vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
In XX/XX/XXXX, I signed a quitclaim deed legally transferring full ownership of a jointly owned home to my ex-spouse. From that date forward, I no longer had legal, financial, or residential ties to the property or the mortgage. The deed was recorded with the county recorders office and later used by the mortgage servicer to process a loan modification solely under my ex-spouses name. 

Despite this, the servicer continued reporting late payments under my name for nearly eight months. I had no access to the property, received no benefit, and was no longer responsible for the debt. These delinquencies appeared on my credit report and have caused significant harm to my credit standing and personal stability. 

In XX/XX/XXXX, I submitted a formal dispute to both the credit bureau and the servicer, including documentation such as the recorded deed and the signed loan modification. The credit bureau responded with consumer disagrees, and the servicer has not issued any written release or correction of credit reporting.

This situation stems from an internal delay on the servicers part and continues to reflect as misleading and harmful data on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WA

Complaint narrative:
I recently had a friend add there cashapp card to my checking account and transfer {$45.00} to my checking account to pay me for money he owed me. I left town about a week later and was notified he falsely disputed the charge trying to get more money out of it and filing fraudulent disputes against the transaction. I contacted cashapp because my bank account has been frozen and suggested I contact the bank that dispute was initiated with and when doing so the customer service representative basically told me she cant help me to call my bank which I did and they have started to file an appeal, but I also wanted to reach out to cash app and let you know that that dispute filed was completely fraudulent and this person is just trying to get money out of it that he already received he willingly and personally put his debit card information into my account and added the money himself and I deleted the card information right afterwards and have proof of doing so. I have tried to reach out to this person and they blocked me completely and even though its only {$45.00} I am not going to allow this person to scam me out of money that was already given to him so I will be fighting this charge until either cash app or my bank has resolved the issue and taken action against the person that filed the fraudulent disputes in the first place. Its unfortunate I had to go to these lengths in order to even communicate the details of this issue and when I called the customer service representative already and they did not take any action whatsoever in regards to this problem. The dispute case id is XXXX and transaction ID XXXX Thank you and please let me know what I need to do in order to resolve this issue and make sure cashapp is aware that this individual is filing false disputes illegally to get money he is too lazy to get a job and work for like the rest of us have to do instead of scamming people. I have no clue how the dispute was granted on his behalf to begin with but Im sure this wasnt the first time nor the last he had done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally dispute this. XXXX  XXXX XXXX debt collection. Which PORTFOLIO RECOVERY has I believe wrongfully obtained on behalf of my mistaken identity. Account # XXXX I have never provided my signature or consent for this matter. I have reviewed the documentation associated with this item and found that there is no valid signature or authorization from me. I never applied for, agreed to, or signed any documents related to this account/service. This appears to be either a case of mistaken identity, clerical error, or potentially fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I also request that all records related to this account be reviewed for any wet signature or proof of authorization bearing my name which you will not find. I believe my identity may have been lost in a data breach and would like this properly removed and taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$130.00} by XXXX, despite canceling my order due to extended shipping delays. I attempted to reject the package by marking it Return to Sender via XXXX on XX/XX/XXXX. However, due to a mix-up, XXXX  later re-delivered the package to my U.S. address after I had already left the country.

I promptly opened a billing dispute with Capital One. I explained that I had canceled the ord
er, received written confirmation from XXXX granting a refund, and had attempted to return the item. Capital One denied my dispute and said they did not accept my documentation as valid proof of refund. When I asked what kind of documentation would qualify for dispute approval, Capital One said they do not share that information with customers.

Although I opened the dispute within the appropriate timeframe, I could not take further action because I was already outside the country. I will not return to the U.S. until later in XXXX. Capital One told me this delay was too long and permanently closed my case, even though I had acted in good faith and followed the correct steps. 

I have written proof from XXXX confirming they would issue a refund. However, Capital One said a refund is only valid if the amount appears back on the card. That is exactly why I opened the dispute in the first place. XXXX never issued the promised refund, and Capital One refused to honor their own dispute protections.

I am requesting that this complaint be reviewed fairly and thoroughly. I do not believe Capital One handled the dispute resolution process appropriately or treated my documentation with fairness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
{$23000.00} was fraudulently transferred from my discover XXXX  account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: West Coast Servicing, Inc.
State: WA

Complaint narrative:
I am disputing an attempt by West Coast Servicing , Inc. ( XXXX ) to judicially foreclose on a second mortgage that was charged off in XXXX and is now time-barred under Washington law . The loan was never serviced after the charge-offno billing, no interest, and no collection efforts for over 7 yearsuntil XXXX suddenly began demanding full payment in XXXX. 

The trust that supposedly held the loan ( XXXX XXXX ) liquidated it in XXXX. XXXX XXXX  later confirmed a charge-off and XXXXXXXX XXXX issued a paid in full letter in XXXX. XXXX XXXX, a prior debt collector, also repeatedly included disclaimers stating that the loan was time-barred and they would not sue. Despite this, XXXX sued me in XXXX, obtained summary judgment in XXXX, and a Writ of Execution has now been issued, putting my home at risk of forced sale. 

I sent a formal Qualified Written Request ( QWR ) to XXXX in XX/XX/XXXX. Their response was incomplete and failed to provide any accounting, chain of title, or otherswise prove standing. They admit the promissory note is lost, and are trying to enforce on the deed of trust alone without the Note or compliance with the XXXX. I have submitted over 30 exhibits documenting this unlawful collection attempt and am requesting urgent intervention to prevent the loss of my home based on a zombie second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize reporting or release of my personal information to the company listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitute a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter properly and confirm the removal of the dispute entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XXXX XXXX, 2025. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. 
Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under XXXX U.S.C. XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The presence of an eviction record on tenant screening reportsdespite its absence from my credit reportraises serious concerns regarding the accuracy and reliability of the data being reported. The glaring absence of concrete evidence to support the validity of this eviction, combined with the dissemination of unverified information to third-party screening agencies, represents a clear violation of the statutory requirements outlined in 15 U.S. Code 1681i ( 7 ). This lack of compliance with federal law is not only troubling but also deeply frustrating, especially considering the critical importance of adhering to legal obligations that protect consumers from harm caused by inaccurate reporting. 

Therefore, I strongly advocate for the immediate removal of this eviction record in accordance with the specified regulations, unless verifiable, documented evidence is promptly provided to establish its authenticity. Any delay in resolving this issue further compounds the damage and underscores a troubling disregard for the regulatory standards and legal protections designed to ensure fairness, accuracy, and transparency in the handling of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have reached out to the XXXXXXXX XXXX XXXX  and they are incorrect they sent me to someone else i am getting the run around please update correct info or remove

Company response to consumer: Closed with explanation