vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent my first written request to the credit reporting agencies requesting the update and correction of all personal information in my credit file pursuant to 15 U.S.C. 1681i ( a ), including : Correct Legal Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Last XXXX of XXXX : XXXX I also specifically requested removal of all incorrect or outdated names, addresses, phone numbers, and any other inaccurate identifying information. I included copies of my Florida Drivers License, Social Security card, and a current utility bill. 

When no corrections were made within the required timeframe, I submitted a second written dispute on XX/XX/year>, reiterating the same information and again including proof of identity and residency. 

As of today, none of the required updates have been made, and the credit reporting agencies have provided no written investigation results, no updates, and no acknowledgement of correction despite being legally obligated to do so. 

The credit reporting agencies are in violation of the following FCRA provisions : XXXX. Failure to Investigate and Correct Disputed Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation within XXXX  days of receiving a dispute. 
They have failed to complete any reinvestigation or provide the required written results. 

XXXX. Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. 
Allowing known inaccurate name variations, outdated addresses, disconnected phone numbers, and SSN errors to remain violates this requirement. 

XXXX. Failure to Provide Full and Updated Disclosure Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to a full, updated disclosure of all information in their file after submitting a dispute. 
No such updated file has been provided. 

XXXX. Failure to Provide Reinvestigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ), agencies must provide written notice of the reinvestigation results. 
No such notice has been issued. 

This demonstrates a pattern of neglect, disregard of federal law, and failure to uphold consumer rights.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am filing a dispute with TransUnion regarding the following accounts. The discrepancies listed below need to be investigated and corrected as they are adversely affecting my credit score and report. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : The account is inaccurately reported under bankruptcy status and should be corrected to reflect the true account history. 

XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : This account has an incorrect balance and status. I request that it be updated to accurately reflect the accounts status. 

Inquiries : XXXX  Account Date : XX/XX/XXXX Issue : Unauthorized inquiry. Please investigate and remove it from my credit history if found to be incorrect. 

XXXX  Account Date : XX/XX/XXXX Issue : Duplicate inquiry that should be removed to prevent further damage to my XXXX XXXX. 

XXXX  Account Date : XX/XX/XXXX Issue : Unwarranted inquiry that needs to be corrected and removed. 

XXXX  Account Date : XX/XX/XXXX Issue : This inquiry is unauthorized and should be investigated and removed. 

XXXX  Account Date : XX/XX/XXXX Issue : Duplicate inquiry. I request that it be removed from my report to maintain accuracy. 

XXXX  Account Date : XX/XX/XXXX Issue : XXXX made without my consent. I kindly ask for this to be reviewed and removed. 

XXXX  Account Date : XX/XX/XXXX Issue : Unverified inquiry that must be investigated and removed. 

XXXX  Account Date : XX/XX/XXXX Issue : This inquiry was made without proper authorization and should be removed immediately. 

XXXX XXXX XXXX Account Date : XX/XX/XXXX Late Payments : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I am filing this complaint because [ XXXX ] reported that a disputed repossession account from Credit Acceptance was verified, although the information is inaccurate and the furnisher has not provided any documentation supporting the repossession or the balance claimed. 

I disputed this account under the Fair Credit Reporting Act ( FCRA ) because : -The repossession status is incorrect, -The balance/deficiency amount is inaccurate or not supported, -Proper notices were not sent to me as required by law, -Or the account reporting does not match the actual timeline or contract terms. 

The credit bureau verified the account but did not provide : -Proof of the repossession, -The original contract, -Notices of intent to repossess or sell the vehicle, -Sale information, or -A legitimate itemized deficiency balance. 

This shows the bureau did not perform a reasonable investigation as required by FCRA 611.

I request CFPB assistance to require the credit bureau to : 1. Conduct a full and reasonable investigation, 2. Provide copies of all documents used to verify the repossession, and 3. Correct or delete the account if it can not be fully validated with documentation. 

This incorrect repossession reporting is causing financial and credit harm. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last XXXX Digits of 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 2025-11-14 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: LA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage denied my FHA loan modification by improperly including non-borrower income in the underwriting calculation. I am the sole borrower on the FHA mortgage. My spouse, XXXX XXXX, is not listed on the mortgage note, yet Freedom Mortgage used his income as part of the qualifying review. This is not allowed under FHA Borrower-Income-Only guidelines, which require the servicer to evaluate only the borrowers income when the spouse is not on the mortgage.

I was also told that I must become two months delinquent before being considered for a loan modification again. This increases my risk of foreclosure, adds fees, and is not consistent with FHA servicing rules. It puts me in a harmful and unnecessary financial position.

Violations : Failure to follow FHA Borrower-Income-Only policy Improper underwriting using non-borrower income Incorrect guidance requiring delinquency before review Denial without proper explanation of guidelines used Increased foreclosure risk due to improper instructions Impact on Me : I am XXXX and currently living on XXXX income. My request for a modification is to avoid foreclosure and maintain a stable home. The incorrect denial and improper instructions have created stress, confusion, and risk. Freedom Mortgage has not provided a clear explanation of the figures used or the guidelines that led to the denial. 

Requested Resolution : A corrected review using my income only, as required by FHA guidelines A written explanation of the original denial, including all income, debt, and guideline calculations Removal of the requirement to become delinquent before eligibility Assurance that future servicing actions follow FHA policy Oversight from CFPB to ensure Freedom Mortgage is compliant

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JNR Adjustment Company, Inc
State: MN

Complaint narrative:
I hit an undground gas line XXXX XX/XX/XXXX. I heard nothing from XXXX XXXX until I received a call on XX/XX/XXXX at XXXX, from JNR saying I HAD to pay XXXX by Friday ( 2 days later ) it sounded extremely scammy. I called XXXX directly immediately after that call, they said I had no outstanding debt from the gas line break. I was then directed from XXXX to their XXXX claims dept, who emailed back on XX/XX/XXXX, stated they are no longer involved with the case, and to only contact XXXX. I then called XXXX on XXXX at XXXX, XXXX at XXXX with no answers. I called on XX/XX/XXXX at XXXX and left a detailed message to call me back, no response. Called XX/XX/XXXX at XXXX, no answer. I called on XX/XX/XXXX and left another detailed message to call me back, no response. I then called on XX/XX/XXXX at XXXX from my Wifes phone and JNR answered on the second ring, to where I was directed to a XXXX XXXX, my case XXXX, and left a message to call me back, I still have not heard back from JNR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
XXXX veteran with a XXXX XXXX XXXX, requiring assistance. This mortgage feels like a scam in the form of systematic usery. I contacted my local police who could provide no assistance. I can not get proper health care from the Department of Veterans Affairs or XXXX XXXX, ( local House Representative, XXXXXXXX XXXX ) regarding this systematic approach that I believe was designed to keep me in heavy debt and fear. I recently spoke to XXXX XXXX at the XXXX  AND THE VA POLICE ON XX/XX/year> about the constant barrage of disparages that I face from the current administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IN

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 explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-14 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: GA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$78.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fair Capital
State: FL

Complaint narrative:
FAIR CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research FAIR CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-14 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-11-14 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/year>XXXX  NAVY FEDERAL CR UNION XXXX. XXXX XXXX XXXX, XXXX XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : NAVY FEDERAL CR UNION, ACCOUNT NUMBER : XXXX BALANCE : {$7600.00XXXX 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : NAVY FEDERAL CR UNION , ACCOUNT NUMBER : XXXX, BALANCE : {$7600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent a payment to a recepient through XXXX and the payment went to XXXX recepients, I've used Cash App for over 6 years and this has never happened. I contacted Cash App immediately and they said they would investigate. They kept the money on hold for XXXX weeks, and during this time they were suppose to investigate and reach out to the recepient, they never contacted the recepient or tried to get the money back. They said this isn't our problem, and we will not reverse charges. I ask what is the difference between a bank accidently putting money in my account that isn't mine. Am able to keep the money because they typed in the wrong account number. Cash App refusal to intervene and investigate shows disregard to customers and the customer money. XXXX never did a investigation because I call back XXXX weeks later and there was record that I even call or there was review underway.

Company response to consumer: Closed with explanation