vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-06-09 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-09 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-09 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After reviewing my credit report, I discovered that XXXX XXXX XXXX XXXX ( Account # XXXX ) continues to report a balance owed even though this debt was fully discharged in my XXXX  XXXX bankruptcy. This account is also marked closed, which further supports that no payment is due yet it is still being reported as if I owe money. 

This is a clear violation of several consumer protection laws under the Fair Credit Reporting Act ( FCRA ) : FCRA Violations Committed FCRA 623 ( a ) ( 5 ) Credit furnishers must report only accurate and verifiable information. If a creditor can not validate the reporting with the original source, it must be deleted.

The U.S. Bankruptcy Court, the original source of this record, explicitly states that it does not furnish, validate, or verify credit information.

FCRA 1681a ( e ) Credit bureaus may not include investigative consumer report data unless verified through legally acceptable sources. Public records not confirmed directly are inadmissible.

FCRA 1681b ( a ) ( 2 ) No agency has my express consent to report unverifiable public data, making this a violation of permissible purpose requirements.

FCRA 1681c ( a ) Bankruptcy-related data that is unverified or incomplete must be excluded. The law prohibits reporting of discharged debts as collectible.

Evidence of Non-Verification The U.S. Bankruptcy Court has provided written confirmation that they do not validate or report information to credit bureaus. 

XXXX, a third-party data provider, also confirmed they can not validate this bankruptcy record. 

Therefore, XXXX XXXX XXXX XXXX and the credit reporting agencies have no lawful, original-source verification. 

XXXX and XXXX This ongoing false reporting is : Preventing me from accessing credit, loans, and housing. 

Causing financial hardship and emotional stress. 

A form of fraudulent misrepresentation and unjustified defamation under federal consumer protection 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 2025-06-10 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: IL

Complaint narrative:
Several companies have accessed my credit report without my authorization, harming my credit and score. Despite assurances from your representative that these unauthorized inquiries would be removed, they remain. This ongoing presence of potentially fraudulent inquiries is deeply concerning and suggests possible identity theft. This unresolved issue is causing significant anxiety and financial harm. I demand immediate action to investigate and remove all unauthorized inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This is regarding the mortgage company XXXX / Mr Cooper the problem is very simple there was a shortage XXXX years ago of about a XXXX {$600.00} Mr Cooper has magically transferred or increased that shortage to {$24000.00} bye gratuitously refusing a repayment option for the simple {$1600.00} by refusing to apply mortgage payments to the loan no payments have been short or missed in XXXX XXXX they magically increased and XXXX shortage to {$24000.00} somehow they refuse notices sent to them by certified mail that representative XXXX XXXX refuse to provide a mortgage or a loan XXXX or loan person per our phone conversation he refused all subsequent calls from my number, in a last ditch effort the homeowner XXXX assistance through the veterans administration since the VA is a party on the loan they also refuse requests from the veterans representative ... Mr Cooper has been for a long time simply involved in a property/land grab scheme they pretend not to know about payments they refuse to apply payments to the loan so that they XXXX turn a small minimal amount into enough to justify a foreclosure perhaps for many who are elderly here in the state of Florida is XXXX a pretty successful scheme why they're still allowed to operate in light of their many past schemes and ethical violations and legal violations is still a mystery XXXX XXXX and XXXX XXXX XXXX have subpoenas issued to them the license of Mr Cooper should XXXX pulled that should have happened a long time ago ... Their response to this complaint will be the same response that has prefaced every lawsuit that has been settled against them, the past history of Mr Cooper demonstrates and even what is happening right now proves that they can not be trusted in any type of association with the homeowners bank account therefore they were paid by me by money orders with certified return receipt they have been no missed payments sent to them they have been no missed payments to them just a {$1600.00} figure which they magically turned into a debt of {$24000.00} in about a one-year XXXX month time period simple as that... Nowhere else in society can people steal or allow a theft process to themselves while at the same time have it so that if it is discovered the theft scheme can be turned into an 'oops defense ' pull their license and issue warrants for XXXX XXXX and XXXX XXXX XXXX for more complete records of all payments and all proofs send request to XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: 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 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 2025-06-09 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 non-monetary relief
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
I sent them letters to dispute negative errors on my credit report and they sent me an email saying to do it on the web site. I rather send them letters. They refused to process my letters 2 months in a row.

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 2025-06-09 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), and for materially deceptive credit reporting practices. 

XXXX XXXX is reporting a charged-off auto loan that was voluntarily surrendered in XXXX. Despite no payments since XX/XX/XXXX, the balance has grown to {$7100.00} even though the original high credit was only {$5900.00}. This increasing balance appears unjustified and violates FCRA 623 ( a ) ( 1 ) ( A ) and TILA post-repossession guidance. 

Additionally, XXXX continues to report the account as charged off and in collection with activity dated as recently as XX/XX/XXXX, creating a false appearance that the account is newly delinquent. This is illegal re-aging under FCRA 605 ( c ) and misrepresents the age and nature of the debt. 

The language used such as voluntary surrender, unpaid balance reported as loss, and collection/chargeoff mimics foreclosure-level damage and exceeds the accurate status of a repossessed auto loan. This misleads credit scoring models and underwriters. 

When I submitted a dispute in XXXX, XXXX refused to reinvestigate, citing a dispute from XXXX. However, the accounts balance, comments, and reporting dates had all changed since then. Under FCRA 611 ( a ), I am entitled to a reinvestigation for a new dispute with updated facts. Their refusal is noncompliant. 

XXXX also instructed me to contact them through a private email ( XXXX ) instead of responding through the credit bureaus or CFPB. This appears to be an attempt to avoid oversight and formal recordkeeping. 

These actions are deceptive, damaging, and designed to suppress my access to credit. I am requesting the CFPB compel XXXX XXXX to ( 1 ) conduct a proper reinvestigation, ( 2 ) stop inflating the balance, ( 3 ) report accurate delinquency dates, and ( 4 ) remove or correct the tradeline entirely based on these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), and for materially deceptive credit reporting practices. 

XXXX XXXX is reporting a charged-off auto loan that was voluntarily surrendered in XXXX. Despite no payments since XX/XX/XXXX, the balance has grown to {$7100.00} even though the original high credit was only {$5900.00}. This increasing balance appears unjustified and violates FCRA 623 ( a ) ( 1 ) ( A ) and TILA post-repossession guidance. 

Additionally, XXXX continues to report the account as charged off and in collection with activity dated as recently as XX/XX/XXXX, creating a false appearance that the account is newly delinquent. This is illegal re-aging under FCRA 605 ( c ) and misrepresents the age and nature of the debt. 

The language used such as voluntary surrender, unpaid balance reported as loss, and collection/chargeoff mimics foreclosure-level damage and exceeds the accurate status of a repossessed auto loan. This misleads credit scoring models and underwriters. 

When I submitted a dispute in XXXX, XXXX refused to reinvestigate, citing a dispute from XXXX. However, the accounts balance, comments, and reporting dates had all changed since then. Under FCRA 611 ( a ), I am entitled to a reinvestigation for a new dispute with updated facts. Their refusal is noncompliant. 

XXXX also instructed me to contact them through a private email ( XXXX ) instead of responding through the credit bureaus or CFPB. This appears to be an attempt to avoid oversight and formal recordkeeping. 

These actions are deceptive, damaging, and designed to suppress my access to credit. I am requesting the CFPB compel XXXX XXXX to ( 1 ) conduct a proper reinvestigation, ( 2 ) stop inflating the balance, ( 3 ) report accurate delinquency dates, and ( 4 ) remove or correct the tradeline entirely based on these violations.

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