vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: The Savings Group, Inc.
State: OK

Complaint narrative:
On XX/XX/year> I was shown several offers to refinance my auto loan through XXXX XXXX. It showed me amazing rates and told me I was guaranteed to be approved, it also showed me there was no hard inquiry that would be put onto my credit report through XXXX. Well on XX/XX/year> I not only got denied for refinancing, I also got a hard inquiry on my credit report I did not authorize. Then after I got denied XXXX changed my loan offers to a way higher interest rate like it should have been in the first place. XXXX also said I had high approval odds and that there was only a soft credit check. I now have XXXX more hard inquirys I never authorized from XXXX. They were only supposed to do a soft check and I never fully applied for the refinance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: VA

Complaint narrative:
When I reached out to the student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a XXXX XXXX XXXX and my attorney informed me that the XXXX  judges wouldnt sign a reaffirmation agreement for my mortgage and dont as a matter of practice. Nevertheless, I have a mortgage with XXXX XXXX XXXX and have made all mortgage payments on time. The credit reporting agency wont correctly report my on time payments on a mortgage that hasnt been reaffirmed. By not reporting my mortgage, I have been denied credit and have experienced credit limit decreases and higher interest rates. I have around XXXX in equity with no chance of default. Of course all three bureaus are blaming the mortgage company for not providing the information. Since the bureaus have incredible power to cause financial harm and stress the need to report accurately, to knowingly omit positive information should not be acceptable. I hope you can assist in this important matter.

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 2025-06-11 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , blocXXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account LVNV FUNDING XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX  XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc.
State: ME

Complaint narrative:
Purchased " VIP '' service priced at {$990.00} in XX/XX/XXXX from TomoCredit. The service provides a reported positive payment history for a Line of Credit to all XXXX bureaus of up to {$30000.00} and a minimum of {$10000.00}. After XXXX  days from purchase I sent an email to TomoCredit explaining the service has not yet reported to the bureaus and to please investigate and correct. The first response told me to wait XXXX  days. After and additinal XXXX  days, I send another email explaining the issue and that I have waited 90 days and still nothing. I have submitted an email inquiry about why my services have not been delivered and that I have waited the XXXX  days and reaching back out as requested, every XXXX days from XX/XX/XXXX to XX/XX/XXXX. The responses I have gotten all say to wait the XXXX  days but never address that I have waited over the 90 days and to please escalate the issue internally. The last request was asking for a full refund because services were never delivered and an investigation was never done. I have never received more than the initial email to any of the requests I've made. TomoCredit does not have a listed phone number so there online ticket system is all I can use to reach them. If TomoCredit is taking customer money at {$1000.00} a piece and not delivering service or helping customers it is essentially a scam. 

In total I made XXXX attempts in XXXX, XXXX in XXXX, XXXX on XXXX, XXXX in XXXX, and XXXX in XXXX asking for a refund or I would have to report them to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX'I am filing this complaint against Experian Information Solutions, Inc. for reporting inaccurate and unverified late payment data on my credit report in violation of the Fair Credit Reporting Act (FCRA).XXXXI formally disputed the following accountsXXXX XXXX XXXX XXXX XXXX Late PaymentsXXXX. XXXX XXXX XXXX  - Late PaymentsXXXX. CXXXX XXXX XXXX  - Late PaymentsXXXXExperian responded claiming these accounts were "verified," yet failed to provide adequate documentation or an explanation of how the information was verified.\n\nI followed up with a Method of Verification (MOV) request under 15 U.S.C.  1681i(a)(6)(B)(iii). Experian failed to provide a valid response within the 15-business-day requirement, nor did they provide the name of the party contacted or the documentation relied uponXXXXAdditionally, the late payments in question may also violate 15 U.S.C.  1666b (Truth in Lending Act), which requires that I be given a minimum XXXX-day grace period before a payment can be considered late. I have not received any proof that this requirement was met prior to negative reportingXXXXExperian is also in violation of 15 U.S.C.  1681e(b) for failure to maintain maximum possible accuracy, and 15 U.S.C.  1681i(a)(5) for failure to delete unverifiable information.\n\nActions Taken By Me:\n1. Initial Dispute Letter Mailed Certified: XXXX (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delivered: XXXX aXXXX XXXX XXXX (Individual picked up from postal facilityXXXX. Late fees were not removed: XXXX - Received email with results within XXXX  day time limitXXXX MOV (Method of Verification) Mailed Certified: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delivered: XXXX XXXX XXXX XXXX (Individual picked up from postal facilityXXXX. No reply back from MOV request'

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 2025-06-11 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was fraudulently used to open unauthorized accounts, generate illegitimate inquiries, and add inaccurate names, addresses, and tradelines to my credit profile. 

I submitted a formal FCRA 605B identity theft block request to Experian including all supporting documentation : my government ID, proof of address, FTC Identity Theft Report, and a list of fraudulent data.

Under FCRA 605B, the credit bureau is required to block the information within XXXX ( XXXX ) business days. [ Insert Bureau Name ] has failed to comply, failed to respond, or failed to block the disputed data, putting me at risk of further financial harm. 

I am requesting that the CFPB enforce full compliance with 15 U.S.C. 1681c-2 and ensure the fraudulent data is permanently removed.

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 2025-06-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE Credit Card is a business account for a business that's no longer operating. I am a former employee. The owner of the company has addressed the credit card company assuming all liability for the debt. Several attempts have been made to address this. Letters have been mailed asking the credit card company to change the mailing address which they did and address all communication via letters to the new mailing address or a specific email address. This is being ignored. When the company first started calling me, I addressed this, I told them to sent any and all paperwork for the employer to assume liability to the new mailing address. All these requests have been ignored. The company calls me on cell phone every single day. Last week they added this credit card bill to my personal credit report, reporting it as an individual account, ignoring the fact that it is a business account. This card was opened in XXXX, so adding it to my personal account XXXX  years later doesn't add up unless it's done to intimidate and or harass me. 
All the details are outlined in the letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/year> my Coinbase account was hacked. I received email notifications of unauthorized transactions and immediately blocked my account and then called Coinbase. By the time I had instituted the block ( within XXXX minutes of first transaction ) all of my bitcoin had been replaced with different crypto and cash had been transferred out of my account. 

I spent a full day up until this afternoon on XXXX hours of phone calls with XXXX separate people looking for resolution/investigation. 

Every single transaction in my account on XX/XX/year> if fraudulent and resulted from Coinbase allowing the hack of my account The investigation was refused and I have lost over {$80000.00} which Coinbase refuses to investigate or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage loan was sold to Mr. Cooper shortly after closing escrow on my home in XX/XX/XXXX. In XX/XX/XXXX I received a notice that from the XXXX XXXX XXXX XXXX saying that I was delinquent on my property taxes for XXXX and XXXX. After many conversations with Mr Cooper 's customer service representatives I was assured that the issue had been fixed. The loan is for XXXX parcels of land and they had only paid the property taxes on XXXX. The XXXX parcels of land being included in the XXXX loan is clear as day on my account. They told me that everything had been taken care of and then even issued me a refund because they had overcharged me for my escrow account. Upon receiving news of the refund check, I double checked with Mr Cooper that they had paid all property taxes on both parcels. They confirmed that yes, everything was up to date and the refund was truly surplus escrow funds. Now, XXXX year later, I received XXXX notices of delinquency for property taxes for XXXX and XXXX. At least this time I knew not to waste my time explaining the situation to general customer service and filed a ticket with the department that handles property tax issues. I followed the directions to notify Mr Cooper of the issue, I received confirmation that this would be looked into and I would receive a reply in 8 days. Knowing how badly Mr Cooper messed up last year, I still checked in with customer service via chat to make sure that the ticket had been created. They tell me that I have to follow up after submitting my complaint otherwise the ticket won't be created. No where on the website or email does it say that I should follow up after sending my initial request just to make sure they are actually doing what they say they are doing. I just happened to check in with customer service because of how terribly Mr Cooper handled things before. The first time this happened, I gave them the benefit of the doubt, knowing that the XXXX separate parcels might have confused them ( which really is beyond understanding on my part. A professional loan management company should not be confused by this ) .This is extremely frustrating to have happened again. It causes undue stress to receive delinquency notices telling me that the county will sell my house from under me. The last time this happened, I missed out a refinancing opportunity that would have saved me thousands in a year because when I went submit my proof of property taxes being paid to the new company, i found that my taxes were not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} REGIONALAC - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX AUTO Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX PRESTIGE FIN Date : XX/XX/XXXX TD AUTO FIN Date : XX/XX/XXXX TD AUTO FIN Date : XXXX

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 2025-06-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 explanation