vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Third party obtain my info now its affecting my ability to get positive credit because of charges attached to new contract i didnt agree to

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 am filing this complaint against TransUnion due to a recent data breach that exposed and compromised my personal and financial information. As a result of this breach, my sensitive credit data has been placed at risk of identity theft, fraud, and unauthorized use. 
I believe TransUnion failed to protect my personal information and has not taken sufficient steps to notify or assist me as a consumer impacted by the breach. Additionally, I am concerned that inaccurate or fraudulent items may appear on my credit report due to this breach.

I am requesting that the CFPB investigate TransUnions handling of this data breach and require them to : Provide clear disclosure of what personal data was exposed.

Remove any fraudulent or inaccurate items from my credit file. 
Offer credit monitoring, identity theft protection, and additional safeguards at no cost to affected consumers. 
Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and hold TransUnion accountable for failing to secure consumer information. 
This breach has caused me significant stress and put my financial security at risk, and I am seeking immediate resolution and stronger protections.

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 2025-09-25 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: AL

Complaint narrative:
I am writing to formally dispute the fraudulent charged-off account that has been inaccurately reported on my credit file. I have never authorized nor incurred any debt associated with this account, and I do not owe any balance. The continued reporting of this erroneous account is not only false, but it is also a direct violation of the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and integrity of information reported on consumer credit reports.

Despite my previous disputes, this account remains unresolved and continues to appear on my credit file. This failure to correct inaccurate information is a clear violation of FCRA Section 611 ( 15 U.S. Code 1681i ), which mandates that all disputed information be fully investigated and corrected or deleted within 30 days if it is found to be inaccurate or unverifiable.

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 2025-09-25 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-25 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that currently appear on my credit report. I did not initiate, authorize, or consent to any credit applications or account openings with the companies listed below. I am seriously concerned that these inquiries may be the result of fraudulent activity or identity theft.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inquiries and a permanent block/removal under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which provides protections for victims of identity theft. This section requires consumer reporting agencies to block all information resulting from identity theft from appearing in a credit report, upon receiving appropriate proof and a formal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
They offered me loan modification that takes my interest rate from 4.2 % to 8.25 % that raises the payment {$1200.00} more a month. This is not a loan modification. XXXX XXXX is also to blame. 4 years ago our house burned down. It took 2 years to rebuild and a few months after the house was finished, I was in a horrific motorcycle accident that left me permanently XXXX. A few months after the accident XXXX XXXX got wind that my house value was 3 times that I owe on it. They knew they had an opportunity to steal it if they gave the loan to Rushmore servicing knowing that the taxes would sky rocket. And they did and at the same time they gave the loan to Rushmore. Because XXXX XXXX doesn't want to have a Foreclosure on their record. Rushmore tacked on {$2000.00} in late fees and with the taxes our payment went up {$1600.00} dollars a month due to the taxes that XXXX XXXX didn't pay and the new late fees. XXXX XXXX never charged us a late fee and we were never notified or billed for late fees. Rushmore took it upon themselves to add the late fees. We disputed the bill and they basically laughed at us. We went through a service called XXXX XXXX solutions to dispute the charges and request a loan modification. The modification they offered is described above and it is all an attempt to steal the house. They say they can do whatever they want on a conventional loan. This is why they have an F rating at the XXXX. This is how they treat a XXXX XXXX who has gone through 2 catastrophic events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, an unauthorized transfer of {$15000.00} was taken from my XXXX XXXX  account and routed into a Robinhood Securities/crypto account without my authorization. I immediately notified XXXX XXXX  to stop the transaction and filed a police report ( Report No : [ insert report # ] ). XXXX confirmed that Robinhood was the receiving institution.

I attempted to contact Robinhood directly by phone and email. Phone calls only went to voicemail with no live assistance, and emails generated only automatic replies with no case number or substantive response. Robinhood has not provided any information regarding the unauthorized transfer, investigation status, or refund process.

This is a case of unauthorized transaction and financial loss. Robinhood has failed to investigate, communicate, or provide any resolution despite multiple contact attempts. I am seeking immediate regulatory assistance to ensure this issue is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be properly verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
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:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be properly verified, they should be corrected or deleted.

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 2025-09-25 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: GA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX  XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Loan servicer changed from XXXX XXXX XXXX  to Shellpoint Mortgage Servicing effective XX/XX/year>. 
Received letter from XXXX XX/XX/year> instructing me to download their app, create a username and password and link my loan to the username and password. The name on the letter is my name repeated twice and jumbled. 
Link my loan does not work so I'm unable to pay my loan due XX/XX/year> and unable to set up autopay. 
I called and the rep " set up an IT ticket ''. The rep 's name and the IT ticket number were not provided I called a second time and the rep XXXX XXXX set up IT ticket XXXX. 
XXXX XXXX stated that I would hear from the XXXX department by email. I have not heard anything from them and the issue is not resolved. 
XXXX XXXX said my last name is entered in their system as my last name plus the two first letters of my first name. That did not work in " link my loan '' either. All reps stated that no supervisor is available and they are in a call center in XXXX. They also said they can't send me the XXXX ticket number by email or secure message.

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 2025-09-25 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: IL

Complaint narrative:
I'm filing a complaint because Equifax, Experian, & Transunion has failed to properly investigate a disputed charge-off account as required under FCRA & 611. the furnisher, XXXX XXXX, continues to report inaccurate information in violation of FCRA & 623. I also requested verification under FCRA 609, but no documentation was provided. I'm requesting deletion of this unverifiable charge-off account as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm filing a complaint because Equifax, Experian, & Transunion has failed to properly investigate a disputed charge-off account as required under FCRA & 611. the furnisher, XXXX XXXX, continues to report inaccurate information in violation of FCRA & 623. I also requested verification under FCRA 609, but no documentation was provided. I'm requesting deletion of this unverifiable charge-off account as required by 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 explanation
Consumer complaint received 2025-09-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-25 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME

Company response to consumer: Closed with non-monetary relief