vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
A Validation Request and Cease & Desist letter was sent more than once. Continuously receiving calls and mail on a debt that I did not sign a contract or agreement binding me to the obligation. The calls are aggressive and back to back. Almost everyday, including throughout the weekend days ( XXXX and XXXX morning, afternoon and evening ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX my PMI dropped and I provided flood insurance from my HOA and it was put into escrow rather than a master condo plan and they ran a new escrow analysis which That made my payment go up nearly {$500.00}. 
After XXXX The insurance issue was finally corrected however they continued to bill me the additional {$500.00} but I only kept paying the expected of me {$1000.00}. The balance keeps rolling over and now they say I am in default. On XX/XX/XXXX I now received a letter that if I dont pay the full amount past due by XX/XX/XXXX that I will be going into foreclosure. I have contacted them numerous times asking for that XXXX escrow analysis to be removed which was the one that wrongfully affected my payment but nothing has been done regarding that. They ran a new escrow which is effective XXXX, so moving forward its ok but that previous balance thats almost {$3500.00} is not my responsibility, its their fault for entering wrong information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Account XXXX XXXXm unaware of this debt and did not get the opportunity to dispute this account.If you believe you sent the proper notification please provide Certified Mail with receipt displaying my signature, If not please delete from my report as soon as possible or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXXXXXX XX/XX/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 2025-05-12 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: FL

Complaint narrative:
I am submitting this complaint because Experian continues to report a derogatory auto account from XXXX XXXX XXXX XXXX ( Account # XXXX ) despite multiple disputes and no valid documentation being provided. 

The account was closed in XX/XX/XXXX after a voluntary repossession and has been reported inconsistently across credit bureaus. XXXX already deleted it after I filed a dispute, while Experian continues to report it as a charge-off without verifying its accuracy, violating FCRA 1681e ( b ) and 1681i ( a ). 

I also contacted the creditor directly on XX/XX/XXXX, requesting proper verification, and I received no response. There has been no proof of a signed contract, no detailed payment history, no verification procedure described, and no IRS Form 1099-C, which should have been issued if the debt was canceled. 

Additionally, Experians own dispute results from XX/XX/XXXX ( Report # XXXX ) simply state the account is verified with no explanation or supporting evidence. 

Under UCC 9-610, any sale of a repossessed vehicle must be commercially reasonable, and I have not received any notification of such sale or accounting breakdown. 

This situation has caused me harm, including denied credit, increased rates, and emotional distress. I believe Experian is acting either negligently or willfully in violation of FCRA 1681n and 1681o.

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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I asked to see the actual verification of debt, they have a second party XXXX XXXX reaching out on their behalf. They should have this readily available and they do not, I just keep getting that its been verified and that is not the Information I asked for. Nor did they have my permission to give XXXX XXXX my information, this debt needs to be deleted immediately as my private information was disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CO

Complaint narrative:
On XX/XX/XXXX, I purchased a new XXXX phone. The new phone was billed to my XXXX credit card managed by XXXX XXXX. The terms of my contract were XXXX MONTHS W/ EQUAL PAYMENTS of {$28.00}. I IMMEDIATELY set the payment to pay on time every month for the requested payment of {$28.00} automatically through my bank XXXX. Everything was fine for a few months and then I started receiving late notices of a few pennies, I called their customer service and was told it is a glitch in their system and my account was current. This happened many times and each time I called for clarification. Each and every time I was told my account is XXXX! In XXXX I started receiving collection calls. I asked for verification of what was owed as my payment is paid automatically with XXXX. They told me they did not have that info, only that I owe it. After approximately XXXX HOURS of phone conversations, asking for supervisors and being told they work in a back office and we can not contact them ( convenient ), I have resorted to filing a complaint about XXXX XXXX 's horrific financial accounting practices, their horrific customer service, their complete lack of customer empathy for reporting a FALSE " XXXX  Days Late '' to the credit reporting companies and their flippant attitude in trying correct XXXX XXXX Errors. Their unresponsiveness almost cost me a real estate transaction as I was applying for a loan and their false reporting dropped dropped my score XXXX points, only because I had an XXXX score before, was I able to close the loan. XXXX XXXX  is a HORRIFIC business!

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Im following up regarding complaint ID XXXX ( and related complaint ID XXXX ) against Ally Bank. 

Despite submitting all requested documentationincluding veterinary records, medical history, and extensive text message proof regarding the disputed transactionAlly continues to delay and deflect. They initially claimed the dispute was resolved, then backtracked and reopened the case. Now they are stating that they must wait up to XXXX days for a merchant response, which feels like an intentional stall tactic. 

This is a bad faith handling of a legitimate dispute. The merchant sold me a sick animal that died less than a month after purchase. I paid Ally via XXXX XXXX using my Ally account, and have provided more than enough evidence to demonstrate the basis for a chargeback and refund. The banks claim that this was simply an authorized transaction fails to consider the deceptive nature of the sale and the condition of the productparticularly as Ally is obligated under consumer protection laws to investigate and act reasonably, which they have not done. 

I am requesting CFPB oversight to compel Ally to resolve this matter promptly and fairly. Their delays are excessive, and their responses lack transparency and accountability. 

Thank you for your continued attention.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
Beginning on XX/XX/XXXX of XXXX I started making payments on my account to Wakefield and associates which is now XXXX XXXX in the amount of {$20.00} towards my bill to XXXX XXXX for {$4.00}, XXXX I have been harassed when calling to make my payment aggressive verbally abusive tones taken towards me the questions that are not related to my debt I asked to speak to a supervisor and she as well was asking these questions and having a really aggressive attitude towards me. Then I made a complaint to another person that's supposed to send it to the administrative office to be reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This will be the third attempt sending in documents to have unverified and unauthorized inquiries removed from my credit report due to identity theft.

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 2025-05-12 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: NY

Complaint narrative:
Date : [ XXXX ] To : [ XXXX  ] [ Credit Bureau XXXX ] [ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ] Subject : Formal Dispute of Inaccurate Information on Credit ReportRe : XXXX XXXXXXXX Account Unverifiable Late Payments Dear [ XXXX  ], I am writing to formally dispute inaccurate information that appears on my credit report under the XXXX  XXXX account. The report reflects late payment ( s ) which I believe to be incorrect and, upon investigation, unverifiable as required under the Fair Credit Reporting Act ( FCRA ).

According to Section 611 of the FCRA, consumer reporting agencies are required to verify the accuracy of any disputed information. I am requesting that you investigate this matter and provide documentation from XXXX XXXX that substantiates the reported late payment ( s ). If the creditor is unable to provide proper verification, these entries must be removed from my credit report immediately. 
Below are the details of the disputed account : * Creditor Name : XXXX XXXX XXXX Account Number ( last 4 digits ) : * Nature of Dispute : Reported late payments on [ 180 days ], which are inaccurate and unverifiable. 
Please reinvestigate this matter and delete any unverifiable or inaccurate information from my credit profile as required by law. Enclosed are copies of my credit report highlighting the disputed entries and a copy of my identification for verification purposes.

I respectfully request a response and resolution to this matter within the 30-day time frame stipulated by the FCRA. Please inform me of the results of your investigation in writing. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
Date : [ XXXX ] To : [ XXXX ] [ Credit Bureau Address ] [ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ] Subject : Formal Dispute of Inaccurate Information on Credit ReportRe : XXXX XXXXXXXX Account Unverifiable Late Payments Dear [ XXXX XXXX, I am writing to formally dispute inaccurate information that appears on my credit report under the XXXX XXXX account. The report reflects late payment ( s ) which I believe to be incorrect and, upon investigation, unverifiable as required under the Fair Credit Reporting Act ( FCRA ).

According to Section 611 of the FCRA, consumer reporting agencies are required to verify the accuracy of any disputed information. I am requesting that you investigate this matter and provide documentation from XXXX XXXX that substantiates the reported late payment ( s ). If the creditor is unable to provide proper verification, these entries must be removed from my credit report immediately.

Below are the details of the disputed account : * Creditor Name : XXXX XXXX XXXX Account Number ( last 4 digits ) : * Nature of Dispute : Reported late payments on [ 180 days ], which are inaccurate and unverifiable. 
Please reinvestigate this matter and delete any unverifiable or inaccurate information from my credit profile as required by law. Enclosed are copies of my credit report highlighting the disputed entries and a copy of my identification for verification purposes.

I respectfully request a response and resolution to this matter within the 30-day time frame stipulated by the FCRA. Please inform me of the results of your investigation in writing. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-05-12 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:
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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1600.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$16000.00} XXXX : XXXX XX/XX/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 2025-05-12 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been paying my Citi AAdvantage card through the XXXX  XXXX XXXX Billpay system for years and I pay off my statement balance every month. On XX/XX/XXXX, I received the following message : Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Payments to Citi Cards are typically sent electronically, but this payment was sent as a check. Since we can't predict the exact date that a check will be presented to us for payment, please make sure you have sufficient funds in your account beginning a few days before your scheduled Deliver By Date, and keep such funds available until the payment is deducted from your account. 


Recipient : Citi Cards Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$4600.00} Deliver By Date : XX/XX/XXXX Evidently the Check didn't get there on time so I was charged interest and late fees. I called Citi and they waive those. The same thing happened for my XXXX payment. When I asked why it was happening, I received the standard scripted language that it was a temporary issue. So for my XXXX payment, I mailed a check for the full amount on XX/XX/XXXX because I was going on vacation. When I returned on XX/XX/XXXX, I saw the check wasn't cashed so I sent another check for the balance through bill pay. When I called this time, they said the checks weren't processed until after the due date so I incurred additional interest charges, and because they moved them previously, they weren't going to do it again

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 monetary relief