vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: 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 non-monetary relief
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: PR

Complaint narrative:
This account was charged off the following date XX/XX/year>. Since then the account has repeatedly been updated as charge off every month, as recent as this month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly twice, and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my mortgage loan currently serviced by Mr. Cooper ( Nationstar Mortgage ). I believe I am being wrongfully threatened with foreclosure due to mishandling of my account, lack of communication, and misdirection from Mr. Cooper representatives. 

I am living in the home that previously belonged to my XXXX, XXXX XXXX, who passed away  in XXXX. I have continuously paid the mortgage since XXXX passing. Earlier this year, I contacted Mr. Cooper to be formally recognized as the successor in interest and was also offered the opportunity to apply for a loan modification. 

I submitted all required documents multiple times, including : XXXX XXXX death certificate Proof of residency Legal documentation regarding her estate Successor-in-interest and modification applications I was repeatedly told over the phone that my paperwork was either missing, rejected, or under review. Each time, I re-sent it. Eventually, a supervisor confirmed that all documents were in order and that I would be listed as the successor and reviewed for a modification. I was specifically told not to make any mortgage payments during the process, because missed payments would be added to the back of the loan under the modification. 

However, in XX/XX/XXXX, I received a foreclosure notice. I never received a demand letter, notice of default, or acceleration notice before this, despite actively working with Mr. Cooper for several months and following their instructions. I called immediately and was told that my account was simply delinquent and there were no other answers. I was never informed of any foreclosure risk, despite numerous calls and confirmations that my application was in process. 

Mr. Cooper has been conducting most communication by phone only, refusing to provide documentation in writing, and has denied me access to any phone call recordings. 

I am now at risk of losing my home due to their lack of transparency, mishandling of documents, and misinformation. I am requesting the following : 1. Immediate review of my loan account and reversal of any foreclosure activity. 
2. A written explanation of why my modification was not processed. 
3. Confirmation of my status as the legal successor in interest. 
4. Access to all call transcripts or recordings and a full payment and document history. 
5. That all future communication be conducted in writing ( email and/or mail ) only. 

I am respectfully asking the CFPB to investigate this matter urgently, as this situation is causing me extreme stress and I am in danger of losing my home through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
[ XXXX XXXX ] I [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Subject : Complaint and Request for Removal of Inaccurate Credit Reporting [ LOCKHART MORRIS & MONTGOMERY ] To Whom It May Concern, I am writing to file a formal complaint against [ LOCKHART MORRIS & MONTGOMERY, which has reported inaccurate information to the credit reporting agencies regarding an account associated with my name.

The account in question is : Creditor Name : [ [ LOCKHART MORRIS & MONTGOMERY Account Number : [ XXXX ] Date Opened/ Reported : [ XX/XX/XXXX ] I believe this information is inaccurate/unverified/obsolete, and I have attempted to resolve this issue directly with the company without success. This negative account is having a damaging impact on my credit profile, and I am requesting that the XXXX  help mediate this complaint. 

I am requesting that the company : 1. Cease reporting this account to the credit bureaus, and 2. Remove any negative marks associated with it.

Attached are copies of relevant documents supporting my claim, including [ letters sent to the creditor, proof of payment, credit report entries, etc. ]. 

Please let me know the next steps and if additional information is needed. I appreciate your assistance in resolving this matter fairly and promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX XXXX XXXX XXXX has XXXX transactions on XX/XX/year> and both of them having amount of {$4500.00} which I dont recognize. I report the issue on XX/XX/year> to Wells Fargo and claim those are fraud. At the same time I found I cant found my card so I request the replacement. On XX/XX/year>, Wells Fargo sent a letter to claim the transactions are authorized by me so there is no fraud. On XX/XX/year>, I call them again to ask for detail and they provide an IP address located in XXXX  that used for those transactions. However, they still claim that IP address is as same as the IP address I used to make payment of that cards. I asked them to reopen the investigation, and it is still under process.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The first was a withdrawal from my debit card. The second was a transfer of the money I have left to my checking account they got it before it got to my bank. The bank also charged me a fee for the fraudulent withdrawals.

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 2025-05-14 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I just recently looked at me credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I sent a letter to on XX/XX/XXXX here is my tracking number XXXX and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter. 


XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XX/XX/XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XX/XX/XXXX. 
XXXX XXXXXX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. 
Delete this inquiry dur to violation of 15 USC 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 explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. 

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts. 
2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
Date ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies such as Equifax, Experian, and TransUnion are legally obligated to handle consumer data with fairness, impartiality, and a respect for privacy. As the consumer, I do not consentwritten, verbal, implied, or otherwiseto the furnishing or reporting of my personal information. 

Per 15 U.S.C. 6801 and 6802, financial institutions ( including furnishers of credit data ) must safeguard nonpublic personal information and are required to notify consumers of their right to opt out of such disclosures. I was never provided this notice. I am now formally exercising my right to opt out. 

Under 15 U.S.C. 1681b, no consumer report may be furnished without the consumers written instructions. Further, 15 U.S.C. 1681c prohibits the reporting of adverse information older than XXXX years. These protections have been ignored, and my information is being reported in violation of federal law. 

15 U.S.C. 1681s-2 and 1681e mandate that furnishers of information and reporting agencies implement and maintain procedures to ensure accuracy and lawful reporting. Equifax and Experian have failed to comply with these statutory requirements. 

Additionally, my personal and financial data was compromised in direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student records, and the Privacy Act of 1974 ( 5 U.S.C. 552a ), which restricts unauthorized disclosure of personal information held by federal agencies. The continued use or disclosure of my data under these circumstances constitutes a breach of federal privacy protections. 

Given these multiple legal violations, I demand full cancellation of the alleged student loan debt and the immediate removal and cessation of all related data reporting by Equifax, Experian, TransUnion, and any data furnisher involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
Date ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies such as Equifax, Experian, and TransUnion are legally obligated to handle consumer data with fairness, impartiality, and a respect for privacy. As the consumer, I do not consentwritten, verbal, implied, or otherwiseto the furnishing or reporting of my personal information. 

Per 15 U.S.C. 6801 and 6802, financial institutions ( including furnishers of credit data ) must safeguard nonpublic personal information and are required to notify consumers of their right to opt out of such disclosures. I was never provided this notice. I am now formally exercising my right to opt out. 

Under 15 U.S.C. 1681b, no consumer report may be furnished without the consumers written instructions. Further, 15 U.S.C. 1681c prohibits the reporting of adverse information older than XXXX years. These protections have been ignored, and my information is being reported in violation of federal law. 

15 U.S.C. 1681s-2 and 1681e mandate that furnishers of information and reporting agencies implement and maintain procedures to ensure accuracy and lawful reporting. Equifax and Experian have failed to comply with these statutory requirements. 

Additionally, my personal and financial data was compromised in direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student records, and the Privacy Act of 1974 ( 5 U.S.C. 552a ), which restricts unauthorized disclosure of personal information held by federal agencies. The continued use or disclosure of my data under these circumstances constitutes a breach of federal privacy protections. 

Given these multiple legal violations, I demand full cancellation of the alleged student loan debt and the immediate removal and cessation of all related data reporting by Equifax, Experian, TransUnion, and any data furnisher involved.

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 2025-05-14 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: OR

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief