vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.

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 2025-07-30 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ 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 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, I have been receiving emails from NELNET regarding my loans, NELNET is saying I my student loans are with them but i have confirmed my loans are with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: UT

Complaint narrative:
I paid off my Happy Money personal loan on XX/XX/year>. Today, XX/XX/year>, it is still not reported as paid in full on my credit. 

I called Happy Money and they said there was an error in their system which caused them to not report ANY loans as paid off until XX/XX/XXXX. This exceeds the required timeframe to report to creditors. They also never notified customers that there was an issue reporting to credit bureaus. They made the decision to willfully NOT communicate to consumers whose credit reports were not updated with accurate updates from Happy Money which are required by law as the furnisher of credit. Not only have they failed to report to credit bureaus on time, they have intentionally misguided American consumers and negatively impacted their credit reports. Please penalize them for their illegal management of credit data and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

SELFLEADB - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

SELFLEADB - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have been involved with an ongoing HUD Complaint that I am preparing to file in Federal court for my due process and day in court. In addition to this ongoing complaint I applied and was approved for a loan Modification. I paid for this Loan Modification and met all of the terms required of me. Yet at the end of the day I have not gotten this loan modification approved and there is a breach that I have filed with the Texas Bar association.and the Department of Justice. The inappropriate behavior has harmed my credit profile. I have a detailed PDF file that carefully and accurately lay out my legal assertions. This in appropriate behavior has inaccurately lowered my credit score. I am disputing the credit accuracy of my score. It has dropped from XXXX plus to XXXX due to the numerous attempts to prematurely foreclose on my property that was damaged due to an Act of God and I have a legitimate legal dispute with strong legal merits and protection under the Civil Rights Equal Protection Statutes, the FHA Statutes, the XXXX XXXX XXXX XXXX and Administrative Procedures Act Statutes. even though I have yet to have my day in court to address my legal assertions. reference my claim HUD XXXX Loan Modification XXXX. My claim is not frivolous I have an attorney to review my claims and it is serious not frivolous and with merit. I have recently file with the Department of Justice for this recent breach of my Loan Mofication I have detailed files to support my legal argument and the negative impact of my credit profile should be corrected until I have had a chance to have my due process completed. PDF File with evidence can be provided upon request. 

Sincerely XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

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. 



List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
My monthly mortgage payment has gone up significantly since my mortgage was sold to Roundpoint. There have never been any significant changes to my taxes or insurance. I initially just assumed it was normal, but this year, they did an escrow analysis and are trying to raise my monthly mortgage payment by {$770.00}. There is no way this is correct. I have not missed any payments and my taxes and insurance had minimal changes. 

While I can not figure how they compute their escrow analysis, I believe they doubled up my homeowners insurance after I switched companies this year. 

For actual disbursements of insurance on the XXXX escrow analysis, table 2 shows the following actual disbursements : {$3600.00} ( which was an error to the canceled policy ) and has since been returned to them, {$2700.00} which is the new policy, and then a strange disbursement again for {$3600.00}? There is no way to make any sense of this, but it appears clear that they actually took this money from my escrow account causing a large shortage. 


I contacted them about this error and the people they have answering their phones do not seem to understand anything. I have called multiple times and get transferred multiple times each time I call. 

I did reach one man who said he could redo the escrow analysis after I submitted a form to remove one of the homeowners insurance companies ( I did sent this form back to them ). He also said he would cancel my auto payment until they figured this out and redid my escrow analysis. However, after hanging up with him, it says on the app that I tried to cancel auto pay, however, it is too late to do so. 

I asked that same man to email me the XX/XX/XXXX Escrow analysis, he said I he had the document and would email It. What I received is attached and dated XX/XX/XXXX- I received nothing for XXXX of XXXX. 

A neutral party needs to investigate these payment increases I have received for the last several years. Im trying to understand the attached statements, there are so many discrepancies, it is literally impossible to comprehend how they came up with these escrow shortages/payment increases. 

I have the escrow analysis sheets, but it will not let me attach them here saying the folder is too large. I can try to scan them I individually and send them or perhaps you have an email where I can send them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Servicing Solutions, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter is in response to your correspondence referencing Complaint ID # XXXX, originally submitted to the Consumer Financial Protection Bureau ( CFPB ). While you stated that the matter has already been addressed, I respectfully disagree with your conclusions and reiterate my formal dispute of the debt being reported on my personal credit report.

As I have previously stated : 1. This account is a business credit card issued for commercial purposes only, and I did not sign nor agree to any personal guaranty of the debt.

2. I have not received any valid documentation showing that I agreed to be personally liable or that I authorized the reporting of this account under my personal credit. 
3. Your claim that I am jointly and severally liable is unsupported by a signed guaranty, which you have failed to produce despite multiple requests.

4. I have formally requested validation of this debt, and to date, you have not provided evidence that meets the requirements under the Fair Debt Collection Practices Act ( FDCPA ).

Therefore, I am again requesting that you : Cease reporting this business account on my personal credit file, unless and until you can provide proper and signed documentation proving I am personally liable.

Provide a complete validation of the debt, including the signed agreement showing any personal guaranty and an itemized breakdown of the debt.

Otherwise, please remove this account from all consumer credit reporting agencies immediately. 

Continuing to report this account as a personal obligation without proper substantiation is not only harmful to my credit but may also be a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. If this issue is not resolved promptly, I reserve the right to pursue further action through the CFPB and other appropriate regulatory bodies. 

Please respond in writing within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
I disputed a XXXX XXXX account with TransUnion that was charged off in 2020. They verified it as accurate, but continue to report a balance of {$4200.00} as past due, implying recent delinquency. This is misleading and appears to re-age the account. There is no clear charge-off date or date of first delinquency listed, which violates FCRA 623 ( a ) ( 5 ) and 605 ( c ). I request that the account be deleted or corrected to reflect the 2020 charge-off, and that all XXXX updates and past due reporting be removed.

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 2025-07-30 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 writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-07-30 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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