vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 formally disputing the accuracy and integrity of the following accounts listed on my credit report. These accounts are reporting information that is inaccurate, misleading, duplicated, or unverifiable and therefore are in violation of the Fair Credit Reporting Act ( FCRA ). 
Please conduct a full reinvestigation of each account and provide written verification from the original creditors or remove the inaccurate data within 30 days, per FCRA 611 ( 15 U.S.C. 1681i ). 

Accounts in Dispute : XXXX. XXXX XXXX XXXXXXXX XXXX Reporting 120+ day late status on an active mortgage with conflicting history Violation : Inconsistent reporting ( 90-day lates reported differently between bureaus ), misleading derogatory comments, FCRA 1681e ( b ) 2. XXXXXXXX XXXX XXXX Reporting charge-off with late payments, dispute resolved without documentation Violation : Lack of proper reinvestigation under 1681i, failure to verify under 1681s-2 ( b ) 3. XXXX XXXX XXXX XXXXXXXX & XXXX Reporting heavy derogatories, unresolved dispute notes, and past due balances after closure Violation : 1681s-2 ( b ) ( inaccurate furnishings ), 1681c ( reporting beyond statute of limitations if delinquency >7 years ) XXXX. XXXX XXXX XXXX XXXXXXXX Reporting high balance ( $ XXXX ) on a charged-off account no payment history shown Violation : 1681e ( b ) ( incomplete data ), potential misreporting of credit utilization XXXX XXXX XXXX XXXXXXXX XXXX Showing multiple XXXX lates and charged off despite closure at grantors request Violation : Conflicting reporting, potential data suppression 1681s-2 ( b ) and 1681e ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX Dispute resolved but lates and charge-off remain ; inaccurate balance details Violation : Failure to properly update after dispute, FCRA 1681i & 1681s-2 ( b ) XXXX. XXXXXXXX XXXX XXXX Installment and revolving data conflict ; reporting as both account types Violation : Mixed file/duplicate tradelines FCRA 1681e ( b ) 8. XXXX XXXX XXXX XXXX XXXX Charged off account with inconsistent lates and no final verification Violation : XXXXXXXX XXXX XXXX XXXX ( accuracy ), XXXX ( furnisher compliance failure ) XXXX. XXXX XXXX XXXX / XXXX XXXX Showing 9x 90-day lates high severity for recent loan ; dispute history unresolved Violation : 1681s-2 ( b ) no documentation provided to justify derogatories 10. XXXX XXXXXXXX XXXX XXXXXXXX & XXXX Multiple 90-day lates ; one account shows as open but is charged off Violation : Inconsistent status across bureaus, duplicate reporting FCRA 1681e ( b )

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 2025-04-08 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: PA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am writing to formally dispute the accuracy of a CCS collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, CCS would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against my mortgage companies, Rushmore XXXX and my previous mortgage company, Nationstar LLC.

I have recently discovered that Nationstar LLC created a loan modification agreement that I never signed or agreed to, and then transferred the mortgage to Rushmore XXXX. As a result of this unauthorized modification, the maturity of my loan has been extended for an additional 40 years on top of the 16 years that I have already paid.

This situation has caused me significant financial hardship and distress, and I am deeply concerned about the legality and ethics of this practice. I believe that I have been a victim of mortgage fraud and I am requesting a thorough investigation into this matter.

I would appreciate it if you could direct me to the appropriate department or individual who can assist me with this complaint. I am also requesting a copy of the loan modification agreement that was created and signed by Nationstar LLC, as well as any documentation that supports the transfer of my mortgage to Rushmore XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the negative late payment entries reported by XXXX  XXXX XXXX, on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX  XXXX XXXX are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate. 
2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments.

3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed.

4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately.

5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA.

6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. 
I want all inaccurate or unverifiable negative items deleted from my Experian, Equifax and Trans Union report. I also want the credit reporting agencies to fully comply with FCRA 15 USC 1681i and 1681e, and cease reporting any information they can not legally verify.

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 2025-04-08 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: SC

Complaint narrative:
there was a loan taken out in my name that i did not approve with a company call XXXX. i only found out about this acct from my mortgage company doing a credit pull on me, when i go on equifax website i have no collections on my acct but it has the companies name on there and its showing 9 accts with negative information which i have no idea about. ive received numerous data breach paper letting me know my info was leaked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
My credit report shows a derogatory mark that I don't recognize, and I've tried to dispute, but its still showing on my credit report.

National Account Sys O with a balance of {$5.00}, XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX I need this derogatory mark removed immediately or I will have to file legal actions against it. 

Thank you

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 2025-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the accuracy and validity of the account reported by XXXX XXXX XXXX with a balance of {$60.00} and listed as charged off. This account contains multiple inconsistencies and reporting errors across Equifax, TransUnion, and Experian.

Inconsistent Reporting Across Bureaus : TransUnion reflects the account as closed and charged off but fails to provide consistent reporting of payment history and dates of last activity compared to Equifax and Experian.

Equifax reports 120+ days past due and Experian lists " Unpaid balance reported as a loss by credit grantor, '' but none of the bureaus offer sufficient detail or match each other on derogatory timelines. Payment History Discrepancies : The payment history shows varying dates of delinquency
( 30, 60, 90, 120, and 150 days late ) and includes reporting gaps ( marked " NR '' or not reported ) throughout the timeline, calling the data accuracy into question.

TransUnion shows no months marked late despite labeling the account charged off.

Equifax lists five months of escalating delinquencies, which appear duplicated or exaggerated without clear supporting information.

Potential FCRA Violations : The Fair Credit Reporting Act ( FCRA ) requires that furnishers of information provide data that is accurate, complete, and verifiable. This account appears to be reported with multiple inconsistencies and conflicting information, which may constitute a violation of 15 U.S.C. 1681s-2.

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 2025-04-08 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: OH

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XX/XX/XXXX To : - Consumer Financial Protection Subject : Formal Dispute and Request for Student Loan Forgiveness and Removal from Credit Report Dear XXXX XXXX I am writing to formally dispute the student loan accounts reported by the Department of Education ( XXXX  Account ) on my credit report and to request an investigation into these debts. I believe these loans should be forgiven and removed due to servicer misconduct and my eligibility for federal forgiveness programs. 

Loan Details : - Original Disbursement Dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Issues Identified : 1. Interest Accrual and Payment Schedule : Payments that have accrued interest are not due until 2028.

2. Servicer Misconduct : The loan servicer failed to provide proper guidance on available relief options and mishandled the transfer to the Small Business Administration ( SBA ), leading to unnecessary default.

Requested Actions : 1. Investigation : Conduct a thorough investigation into the accuracy, legality, and legitimacy of the student loan debts listed.

2. Credit Report Correction : Remove these accounts from all three credit bureaus ( XXXX XXXX Experian XXXX and XXXX XXXX. 
3. Loan Forgiveness : Consider full or partial discharge and forgiveness under applicable federal or state relief programs.

Supporting Documentation : I have enclosed copies of relevant documents, including correspondence with the loan servicer, payment records, and any communications regarding relief options. 

I appreciate your prompt attention to this matter. Please inform me of the results of your investigation and any additional steps I may need to take. I can be reached at XXXX or XXXX for further information. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XX/XX/XXXX To : - Consumer Financial Protection Subject : Formal Dispute and Request for Student Loan Forgiveness and Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the student loan accounts reported by the Department of Education ( XXXX Account ) on my credit report and to request an investigation into these debts. I believe these loans should be forgiven and removed due to servicer misconduct and my eligibility for federal forgiveness programs.

Loan Details : - Original Disbursement Dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Issues Identified : 1. Interest Accrual and Payment Schedule : Payments that have accrued interest are not due until XXXX. 
2. Servicer Misconduct : The loan servicer failed to provide proper guidance on available relief options and mishandled the transfer to the Small Business Administration ( SBA ), leading to unnecessary default.

Requested Actions : 1. Investigation : Conduct a thorough investigation into the accuracy, legality, and legitimacy of the student loan debts listed.

2. Credit Report Correction : Remove these accounts from all three credit bureaus ( Equifax , XXXX XXXX and XXXX ).

3. Loan Forgiveness : Consider full or partial discharge and forgiveness under applicable federal or state relief programs.

Supporting Documentation : I have enclosed copies of relevant documents, including correspondence with the loan servicer, payment records, and any communications regarding relief options.

I appreciate your prompt attention to this matter. Please inform me of the results of your investigation and any additional steps I may need to take. I can be reached at XXXX or XXXX for further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX To : - Consumer Financial Protection Subject : Formal Dispute and Request for Student Loan Forgiveness and Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the student loan accounts reported by the Department of Education ( XXXX Account ) on my credit report and to request an investigation into these debts. I believe these loans should be forgiven and removed due to servicer misconduct and my eligibility for federal forgiveness programs. 

Loan Details : - Original Disbursement Dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Issues Identified : 1. Interest Accrual and Payment Schedule : Payments that have accrued interest are not due until XXXX. 
2. Servicer Misconduct : The loan servicer failed to provide proper guidance on available relief options and mishandled the transfer to the Small Business Administration ( SBA ), leading to unnecessary default.

Requested Actions : 1. Investigation : Conduct a thorough investigation into the accuracy, legality, and legitimacy of the student loan debts listed.

2. Credit Report Correction : Remove these accounts from all three credit bureaus ( XXXX XXXX XXXX XXXX and TransUnion ). 
3. Loan Forgiveness : Consider full or partial discharge and forgiveness under applicable federal or state relief programs.

Supporting Documentation : I have enclosed copies of relevant documents, including correspondence with the loan servicer, payment records, and any communications regarding relief options.

I appreciate your prompt attention to this matter. Please inform me of the results of your investigation and any additional steps I may need to take. I can be reached at XXXX or XXXX for further information. 

Sincerely, XXXX 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 explanation