vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: IL

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-26 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, I requested a Hardship Forbearance from my FHA mortgage servicer due to loss of SNAP benefits during the government shutdown while on fixed SSDI income ( XXXX, not unemployed ). 

The servicer approved the forbearance but has mishandled it repeatedly : On XX/XX/XXXX, I applied specifically for a Hardship Forbearance effective XX/XX/XXXX, with {$0.00} due for 6 months and Standalone Partial Claim at the end, with follow-up detailed Attestation completed on XX/XX/XXXX. 

On XX/XX/XXXX, a rep confirmed my application was incorrectly routed as a loan modification instead of hardship forbearance, and escalated to correct it. 

The Trial Document ( mailed XX/XX/XXXX, emailed XX/XX/XXXX ) incorrectly labels it Unemployment Forbearance and states {$0.00} due only XX/XX/XXXX XX/XX/XXXX ( not backdated to XXXX as requested and confirmed by reps ). 

The physical copy was never delivered ( XXXX tracking started but stopped ; servicer and XXXX blame each other ). 

The portal has shown no updates since XX/XX/XXXX ( still in underwriting ) and does not reflect active forbearance status. 

XXXX payment remains shown as due, despite reps confirming it should be {$0.00}. 

Multiple reps and managers ( calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) refuse to provide written confirmation of Standalone Partial Claim pre-eligibility, stating it depends on how I answer questions at the end of the forbearance or options could change, and threaten a modification instead. 

I received a delinquency notice ( dated XX/XX/XXXX ) threatening foreclosure if I did not pay balance due by XX/XX/XXXX, while in active forbearance. 

I sent a RESPA Qualified Written Request ( mailed XX/XX/XXXX, delivered XX/XX/XXXX ) requesting corrected documentation, XXXX backdate, and Standalone Partial Claim pre-eligibility confirmation still awaiting response. 

The servicers contradictory information, document errors, lost mail, non-delivery of documentation, threats of losing my home, and refusal to provide clear loss mitigation details have caused significant stress. 

Please require the servicer, LoanCare ( servicing for XXXX XXXX XXXX ), to : Correct the forbearance classification to General Hardship Forbearance. 
Backdate XXXX to {$0.00} due. 
Provide written confirmation of Standalone Partial Claim pre-eligibility. 
Stop sending delinquency/foreclosure threat notices during active forbearance. 

Thank you.

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 2025-12-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS ACCOUNT IS REPORTING FALSE INFORMATION AND I HAVE FILED IDENTITY THEFT FOR REPORTING FALSE 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
You are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX lease, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
Review the attached materials ; these inquiries came in unexpectedly and may be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>. I went to Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I deposited a check at the ATM, the check was for {$19000.00} a gift from a friend who passed away. I mistakenly put in {$1900.00}.. I immediately realized my mistake and went and told the teller. they said they need to wait for the machine to be emptied and then they would help me out. They never did they lost the check said they couldn't copy it didn't know where it was and now I'm out {$19000.00}. I've got an open case with Wells Fargo. The manager is working on solving the problem. But even if they give me the check back or certified copy. The account has been closed due to the fact that the man is dead. Because of the delay I can't cash the check anyway

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
one day, around XX/XX/year>, I went to use my CC form the USAA. I found that it would not work. so I went online and found that they had closed my CC ( 2 ) accounts, and my Checking ( 1 ), and Savings ( 2 ) accounts.

There was a notice stating that they no longer want to do business with me and gave no reason as to why.

I have called and asked for a reason, and a letter describing a reason as to why, but no answer has been given.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am writing to address a concerning issue regarding fraudulent accounts that were recently identified and subsequently removed from my credit file. I have noticed that these accounts have been reinstated, which is not acceptable. I kindly request that you take immediate action to permanently remove these fraudulent accounts and implement measures to block them from being re-added in the future. I would also like some compensation for the stress this is causing. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: WV

Complaint narrative:
Debt Collector : Online Information Services I am writing to formally complain about a debt collection attempt by Online Info Services. The debt in question, amounting to {$970.00}, is not recognized by me, and I believe it to be the result of identity theft or an error. Despite my attempts to request validation of the debt, Online Info Services has failed to provide proper documentation verifying the legitimacy of this debt. This action is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692, which mandates that debt collectors must provide proof of the debt upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rozlin Financial Group, Inc.
State: ID

Complaint narrative:
I was contacted by Rozlin Financial Group, Inc saying that I owed for a loan though XXXX XXXX taken out through XXXX XXXX. But I have never taken out a loan or owed money. I went to XXXX XXXX twice and they could not see anything in there records showing I had taken out a loan. Rozlin Financial Group , Inc. sent me a letter in the mail telling me I owed for the loan that I have never taken out and I called them and told them that this is not my debt and they sent me here to file for fraud.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX  in connection with a retail store card issued for The Childrens Place. 

This account was impacted during the XXXX pandemic and government shutdown period. The last payment on the account was made in XX/XX/XXXX, during a time of widespread financial hardship. The account was subsequently closed and charged off. 

Despite this, the account continues to be reported with ongoing monthly late or derogatory payment statuses through XXXX. Once an account has been charged off, it should not continue to generate new monthly delinquencies. This type of reporting is misleading and appears to constitute improper re-aging. 

In addition, the account reflects 0 % on-time payments despite being open prior to XXXX, reports a 245 % utilization rate on a closed account, and contains incomplete or ambiguous fields such as monthly payment : no info. These issues do not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Given the timing of this account during the COVID-19 national emergency, this reporting also conflicts with CARES Act protections and CFPB guidance regarding accounts affected by pandemic-related hardship. Reporting ongoing delinquency after charge-off unfairly compounds harm and misrepresents the true status of the account. 

I am requesting that the CFPB require XXXX XXXX XXXX  and the credit reporting agencies to : * Conduct a full and good-faith investigation * Correct or delete inaccurate, misleading, or unverifiable information * Cease ongoing monthly delinquency reporting on a charged-off account * Ensure the account is not improperly re-aged and is reported in compliance with federal law The account contains materially inconsistent information that can not all be true at the same time. It is reported as charged off, closed as of XX/XX/XXXX, written off as a profit and loss loss, and simultaneously marked as purchased by another lender, yet no transferee or collection account exists. 

The payment history is internally contradictory, reflecting 6 % on-time payments while marking every month as derogatory. The account also reports ongoing monthly delinquency after closure, despite no remaining payment obligation.

These inconsistencies render the account inaccurate and unverifiable under 15 U.S.C. 1681e ( b ). Because the data can not be reliably substantiated, continued reporting is misleading and deletion is the appropriate remedy.

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 2025-12-26 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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