vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
I have Unauthorised inquiries on my report. I have contacted company and request deletion as it affects my report and ability to obtain good standing credit. 
I request this using my consumer right.

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 2025-05-07 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: NY

Complaint narrative:
Everything that Equifax is getting sued for now especially data breach .. I have disputed many times the inaccurate data and incomplete and unverifiable data and Also sent a MOV Letter and they havent done anything .. Im tired of disputing and its been more than 30 days since they received MOV Letter. And They havent done their job and This is causing me To get denied jobs and Credit and housing due to all the Inaccurate Data .. They have violated So many FCRA laws and I have submitted many complaints to The CFPB .. No one is doing their job and I have called.This isnt right and if its not removed in 4 days the next step is to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am writing to dispute a collection account. I have not been properly notified about these collection and they are inaccurate with how they were being reported. I demand that these collection account be investigated 15 U.S.C 1692c ( c ) this law clearly states : If a consumer notified a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ;

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 2025-05-08 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: TX

Complaint narrative:
I am writing to dispute a collection account. I have not been properly notified about these collection and they are inaccurate with how they were being reported. I demand that these collection account be investigated 15 U.S.C 1692c ( c ) this law clearly states : If a consumer notified a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ;

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 2025-05-07 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: VA

Complaint narrative:
My mortgage was sold from XXXX XXXX to Nationstar ( Mr. Cooper ). I attempted to take a home equity loan to purchase an investment property from Mr. Cooper who had hekd my loan for several years at that point. I assumed they would be familiar with my property since they hold my current mortgage. I went through almost the entire process including paying for a several XXXX XXXX  appraisal through them and made it up to XXXX before closing at which time they told me they can not finance the amount in an agricultural area. I would have thought they would have disclosed/known this much earlier in the process. I provided a lot of personal information and rearranged my schedule to meet deadlines during this process with them. I had to open a loan at a higher interest rate elsewhere in order to close on time and was scrambling. On top of this I continuously receive emails up to this day from them about how much equity I have in my home and how I could tap into hundreds of thousands in equity. At this point it feels like taunting and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Subject : Request for Assistance Unfair Repossession and Debt Collection by XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your assistance regarding an unjust and harmful experience Ive had with XXXX XXXX following a natural disaster. 

In XX/XX/XXXX, a wildfire devastated the island of XXXX, where I lived with my daughter. We lost everything in the fire and were forced to evacuate. I relocated to XXXX XXXX and stayed with a friend while trying to rebuild our lives from scratch. Despite having no permanent home, no job, and caring for my daughter alone, I continued making payments to XXXX XXXX while government assistance supported us during the first few months after the disaster. 

Even during the most difficult times, I tried to send partial payments {$300.00} to {$500.00} whenever I could. I never intended to avoid my obligations and made every effort to keep up with payments. 

However, in late XXXX, XXXX XXXX repossessed my car. The payment had been scheduled but didnt go through on time because it was a Friday, and they didnt wait until the next business day ( Monday ). Without notifying me or getting my consent, they repossessed the car over the weekend without my agreement and quickly sold it at auction for nearly half the price I had already arranged to sell it for to a friend. 

Now, XXXX XXXX is demanding that I pay the difference of {$12000.00} {$14000.00} an amount I should never have owed had I been given the chance to sell the car myself. I feel this is deeply unfair, especially considering the extraordinary circumstances I was facing. 

I am still without a job, but I was always willing to pay. I did not hide, I communicated, and I was doing my best. This repossession and forced auction sale have only worsened my financial hardship. I believe the actions taken by XXXX XXXX were unethical and lacked compassion, especially when other companies were doing their best to help wildfire survivors. 

I respectfully ask the CFPB to investigate this case and help me resolve this unjust debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I formally submitted a dispute to TransUnion challenging multiple inaccurate and unverifiable entries listed on my credit report. These entries remain unresolved and uncorrected, despite their evident noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines.

TransUnion failed to respond within the required timeframe with documented proof of accuracy, nor did it remove or update the data in dispute. This is a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 5 ), and 1681e ( b ).

Key Violations Identified : 1. Personal Information Errors : Incorrect names : XXXX XXXX, XXXX XXXX ( I am XXXX XXXX XXXX ) Incorrect DOB : XXXX ( should reflect full legal DOB : XX/XX/XXXX ) Outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identifiers are outdated, incorrect, and create a risk of misidentification and identity fraud. Continued reporting of this data violates 1681e ( b ), which requires maximum possible accuracy.

2. Derogatory Accounts Lacking Verification or Metro 2 Compliance : I challenged the following accounts for having reporting inconsistencies, unresolved disputes, or no proof of ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate - {$1100.00} ) XXXX  XXXX ( Charge-off - {$3700.00} ) These tradelines were not validated with permissible documentation and continue to appear on my credit profile without lawful basis or proper furnisher updates, violating 1681s-2 ( b ) and CDIA/CRRG standards.

3. Inquiries Without Permissible Purpose : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) No consent was granted for this inquiry. TransUnion has failed to provide documentation proving permissible purpose, violating 1681b.

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 2025-05-07 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I recently received a determination from The CFPB that indicated that my former loan servicer was supposed to send change of servicer information to my insurer, XXXX XXXX ( subject to my verification ). I spoke with XXXX at Freedom Mortgage on XX/XX/year>, and she expressed that it is not Freedom Mortgages responsibility to send this information to the insurer. I recognize that, as the CFPBs determination states, I am ultimately responsible for my homeowners insurance policy ; however, I neither initiated, nor was I a party to all communications regarding the transfer of my mortgage. I have only ever receivedHello and Goodbye letters. As a result, I would like to know whether Freedom, XXXX, or XXXX XXXX failed in their due diligence or my trust regarding the transfer of my mortgage. 
Thank you for your attention to this matter, 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 2025-05-08 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: NJ

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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-07 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I reported incorrect information on my report and XXXX told me the incorrect information information on my report will stay on there. And it will not be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: WA

Complaint narrative:
Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which Equifax is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. 

Now on Equifax and XXXX it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. 

I am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: WA

Complaint narrative:
Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the XXXX late payments are an error. They have changed account numbers, which XXXX is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. 

Now on Equifax and Transunion it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. 

I am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help in this 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