vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: KS

Complaint narrative:
Everything on their site thay they advertise leads to a dead end. I can't use anything they have offered me. There is no person to talk to, only AI. Even trying to cancel the subscription isn't allowed. Scheduling a call isn't allowed either. They don't report to major credit bureaus. There is a card advertised as well that no one gets anymore. Its just a neverending waitlist lie. The whole site is fake and leads to no where. I'm very upset and I want my {$490.00} returned to me.

Site ToroBoost Bought annual VIP membership Look at reviews on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting Equifax, Experian, and Transunion for omitting payments on my credit file to show 9 months of payments were made to XXXX XXXX XXXX. But, not reported to all XXXX Bureaus. Causing me undue burden and frustration to get loans and kept getting denied because someone was delibetayely going in my petdonal file somehow and tampered with my personal information like my date of birth, email and social security number telephone number. I feel this was intentional and deliberate. I am asking for a thorough investigation as to whom has locked, blocked, closed, knowingly stopped information from being reported to all three credit bureaus, regarding payments with XXXX XXXX XXXX, who also failed to report payments to all XXXX Credit Bureaus and failed to report it in their systems to show payments were paid on time for the last 9 months with no long gaps from payment to payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding multiple inaccuracies on my credit report that are the result of identity theft. These unauthorized accounts and inquiries have caused me financial harm and stress, and I am requesting your assistance in ensuring my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681c-2 ( a ) are upheld.

I have reason to believe my personal information was compromised during the Equifax data breach, and since then, I have seen suspicious activity on my credit reports that I did not authorize. I did not open the following accounts and they should be removed immediately : XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX Balance : {$2400.00} Additionally, there are several unauthorized credit inquiries listed on my reports that I did not initiate. These include : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX My credit report also includes incorrect addresses that I have never lived at or been associated with. The only correct address that should be listed is : XXXX XXXX XXXX, XXXX, Indiana 46320 Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, XXXX am requesting that these fraudulent items and incorrect information be blocked from my credit reports, as they are the result of identity theft. I have attached supporting documentation, including a copy of my ID, a police report, and a formal identity theft affidavit ( if available ), as required by law. 

I appreciate your prompt attention to this matter and your help in protecting consumers like me from the long-term effects of identity theft.

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 2025-06-27 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: DC

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 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 2025-06-27 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: DC

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 2025-06-27 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: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Negative Credit Reporting Due to Unjust Foreclosure Outcome and Servicer Inaction To Whom It May Concern : I am writing to request the Consumer Financial Protection Bureau 's immediate intervention and investigation regarding harmful and inaccurate credit reporting that has resulted in significant financial and personal hardship. This issue concerns a property I previously owned at : Property Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX This property was transferred to a third-party investor through a homeowners association ( HOA ) foreclosure sale. However, the investor took possession of the property without satisfying the existing mortgage, unpaid property taxes, or insurance obligations. Although I no longer have legal possession of the property or receive any benefit from it, I have been left to bear the financial burden. An example is my escrow is being billed over {$25000.00} for taxes for XXXX and XXXX and homeowners insurance over XXXX when I no longer occupy the property. 

Despite being fully aware of these facts, the mortgage company has taken no action or remove the debt from my name. Instead, they continue to report delinquencies and other derogatory information on my credit report. Furthermore the This negative reporting has caused severe damage to my credit profile and has prevented me from securing rental housing and disqualified me from mortgage approval. I have submitted disputes and documentation, but the servicer has failed to respond appropriately or correct the record.

This situation constitutes unjust enrichment for the investor, and I believe the servicers conduct violates the Fair Credit Reporting Act ( FCRA ) and may also run afoul of consumer protection provisions under Regulation X ( RESPA ) and the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Negative Credit Reporting Due to Unjust Foreclosure Outcome and Servicer Inaction To Whom It May Concern : I am writing to request the Consumer Financial Protection Bureau 's immediate intervention and investigation regarding harmful and inaccurate credit reporting that has resulted in significant financial and personal hardship. This issue concerns a property I previously owned at : Property Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This property was transferred to a third-party investor through a homeowners association ( HOA ) foreclosure sale. However, the investor took possession of the property without satisfying the existing mortgage, unpaid property taxes, or insurance obligations. Although I no longer have legal possession of the property or receive any benefit from it, I have been left to bear the financial burden. An example is my escrow is being billed over {$25000.00} for taxes for XXXX and XXXX and homeowners insurance over XXXX when I no longer occupy the property. 

Despite being fully aware of these facts, the mortgage company has taken no action or remove the debt from my name. Instead, they continue to report delinquencies and other derogatory information on my credit report. Furthermore the This negative reporting has caused severe damage to my credit profile and has prevented me from securing rental housing and disqualified me from mortgage approval. I have submitted disputes and documentation, but the servicer has failed to respond appropriately or correct the record.

This situation constitutes unjust enrichment for the investor, and I believe the servicers conduct violates the Fair Credit Reporting Act ( FCRA ) and may also run afoul of consumer protection provisions under Regulation X ( RESPA ) and the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ).

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
To make a long story short they won't give me my XXXX back they closed my account for XXXX reasons I have screenshots of the entire online app to where I was lied to multiple times which constitutes theft Fraud/ Fraulant activity. And so much more I can prove and I want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX minutes ago ) I am reporting multiple serious violations by XXXX  XXXX XXXX and Mr. Cooper related to my mortgage loan ( Loan Number : XXXX, XXXX ). They have engaged in fraudulent mortgage servicing practices, including falsified IRS Form 1098 documents, improper accounting with repeated false payment reversals and suspense adjustments, and abuse of the HAMP program. They have also failed to properly serve legal documents by mail, instead using email as unlawful notice. 
Additionally, these companies altered my bankruptcy case number from XXXX to XXXX and XXXX, a clear attempt to steal my home through fraudulent XXXX  manipulation. They fabricated a fraudulent deed of trust and recorded a false reconveyance ( XXXX XXXX. XXXX ) affecting my property title. 

Despite these actions, they continue illegal collection attempts on loans discharged in XXXX and have manipulated title numbers for profit. 
I demand full investigation, correction of all fraudulent records, and protection of my property rights. I also require receipt of regular monthly statements as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I requested a loan from Affirm for a plane ticket from XXXX XXXX XXXX TX. use XXXX. ( ID : XXXX ) In the amount of {$360.00}, it was adjusted on XXXX for {$340.00} the loan is charged off. Another loan with XXXX ( ID : XXXX ) Processed on XXXX, for {$340.00} and this loan is also charged off because the reservation was cancel case # XXXX. XXXX on XX/XX/XXXX confirmed they cancelled the reservation ticket # XXXX, XXXX indicated my cancellation quality for a refund from these credit Affirm has been posted in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart loan is reporting to the credit bureau that I owe this debt but I did not open this loan or receive any goods for it. The company refuses to remove it from my report and does not send any validation of the debt, history of the debt, I am requesting that upstart block and remove this account from all consumer credit reports associated with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea XXXX, XXXX XXXX you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: UT

Complaint narrative:
I've told them a hundred times I get my SSA check on the third Wednesday of the month. 
They take great pleasure in charging me late fees every month. None of them listen or try to do something about it except call or send notices. I think they are trying to get me to default on the loan that way they can sell the house for what is worth now, get a higher interest loan. I know XXXX XXXX needs more money to build that mansion down there in Florida. I still have not figured out he can go from a real estate sells man to owning a a mortgage company. I've read their reviews online. Nothing good has been said about them, mostly that they are crooks. I got a letter from them today saying my loan is in default, what did I say?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: MN

Complaint narrative:
Well back in XXXXXXXX XXXX I had my Cashapp account linked to my old phone number I was using at the time and My Uncle had sent me {$1500.00} that I never got to spend on my kids because some lady stolen my phone with my Cashapped linked to the phone and that Money was for me and my kids which really bummed me out & now I can't get another card because it's saying my account is closed or temporary closed : / : ( which makes me furious like really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-06-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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