vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
In XXXX our mortgage company sold out to Mr. Cooper. I cant even begin to explain the constant chronical issues I have had with this company since they took over. I pay my monthly mortgage in advance when I can. For some reason Mr. Cooper would take my payment and place it in principal accounts only and not apply it as a regular monthly mortgage payment. First, I had to call EVERY other month and tell them to move the money back to the regular monthly payment. I did NOT want to pay extra on my principal. On my statement it clearly states If you want to pay only principal check this box. I have NEVER checked that box, but Mr. Cooper takes it upon themselves to constantly place my payments there and NOT towards my regular monthly payments. I have to say I have called Mr. Cooper at least XXXX to 8 times to ask them to correct these mistakes. The customer service representative would always say they had fixed it. But then when I get my statement, I clearly see it was never fixed. The last XXXX service representatives suggest I complain to XXXX XXXX XXXX. I sent my grievance to them on XX/XX/year> which I was hoping this issue it would be corrected. It was not. Again, I sent another grievance to the XXXX on XX/XX/year> in hopes of getting actual help this time, still no help. I have sent a THIRD grievance request on XX/XX/year> which I have not heard back other to say they received my grievance. On my first grievance I sent a list of checks I wrote, when I wrote them, when they cashed them and the amounts. The second grievance request I sent the actual photo copies of EACH cashed checks. They have suggested to make an account on line, but that requires putting my social security number on their site. I will not do that. I have had my accounts hacked by having account on line. So that will NOT be an option for me. As of today, my next mortgage payment is due on XXXX. The statement I have shows my next payment is due in XXXX. There is XXXX missing payments, even though according to my bank those checks where cashed long ago. I have exhausted ALL avenues in trying to get Mr. Cooper to correct this chronic never-ending error. At this time, I have no other recourse other than to make a formal complaint against Mr. Cooper. 
I was given XXXX different ID numbers for my complaints. XXXX and XXXX XXXX hoping I can actually get this corrected once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX I am a victim f identity theft. these do not belong to me. I beg you to help me restore my good name, and begin the process of rebuilding my credit and life after this terrible ordeal of IDENTITY THEFT. No one should every experience this. 

As I have previously disputed the accuracy f these accounts, that are reporting inaccurately on my Transunion Credit File. I have contacted TRANSUNION on several occasions and has failed to reach a fair resolution to the fraudulent accounts opened under false pretense, without my consent or knowledge. Transunion is failing to accept my plea for help, to stop any further attempt or identity thieves to open more accounts and to have the current thief 's accounts be removed and blocked. 

If a credit bureau refuses to remove fraudulent accounts from your credit report despite your identity theft claim, you have several options. First, formally dispute the fraudulent accounts with each credit bureau, providing evidence like your Identity Theft Report and any other supporting documentation. If the credit bureau still refuses, file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider seeking legal advice The class action lawsuit will bring attention to many consumers the potential misuse of our data and the need for greater control over our personal 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 2025-07-27 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: LEXISNEXIS
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. XXXX XXXX, XXXX, XXXX XXXX : These inquiries has no permissible purpose to be on my report. Delete these inquiries due 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 non-monetary relief
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
i asked for the chain of title debt validation and have not got one yet or answer to request

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 2025-07-27 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: FL

Complaint narrative:
This letter is in response to a correspondence dated XX/XX/XXXX, concerning the referenced account. I appreciate the acknowledgment of my Consumer Financial Protection Bureau complaint and your reaffirmation that XXXX XXXX XXXX acquired the alleged account on XX/XX/XXXX. 

While they state that they have satisfied there obligations under the Fair Debt Collection Practices Act ( FDCPA ), I must reiterate that refusal to provide the purchase and sale agreement leaves a substantial gap in verifying the validity of the alleged debt. While the courts have recognized that for a debt buyer to lawfully collect a debt, proof of ownership of the specific account is both reasonable and relevant particularly when ownership is disputed. 

Therefore, I am formally disputing this debt and requesting the following documentation to ensure full transparency : XXXX. Proof of assignment or chain of title from the original creditor ( XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX, specifically referencing my alleged account. 


2. A copy of the purchase and sale agreement or other documentation that verifies XXXX XXXX XXXX  legal authority to collect this debt. 


3. The complete account history, including all debits, credits, interest, and fees added since the account was allegedly opened.

4. The signed contract or agreement creating the debt between myself and XXXX XXXX XXXX, XXXX. 



Unless and until they provide such documentation, I maintain that this debt remains unverified and disputed. 

Furthermore, I request they stop reporting this account to any credit bureaus until the matter is properly validated. If this account has already been reported, They are required to notify the credit bureaus that the account is in dispute. 

Please note I reserve the right to file a further complaint with the CFPB and explore legal remedies if necessary.

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 2025-07-27 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: CA

Complaint narrative:
i requested the chain of title, debt validation, and asked all inaccuracies be deleted

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 2025-07-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LOBEL FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would to dispute some on credit report. I just fell behind on them payments had a hard during XXXX  XXXX trying to recover from it. I make payments on my open accounts monthly but somehow my credit score isnt where I need it to be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am reporting a pattern of financial fraud conducted through peer-to-peer payment platforms ( XXXX and Cash App ). The main actor, XXXX XXXX XXXX, uses Cash App ( XXXX XXXXXXXX ) and XXXX to collect payments for supposed bill-paying services. The service is never rendered, and chargebacks are common. This is a widespread issue affecting multiple victims. 

Cash App : Account reported and case opened ( # XXXX ). 
XXXX : No resolution from XXXX XXXX, despite submitted screenshots. 

Supporting information includes screenshots, aliases used, and linked accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-28 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
INCORRECT BALANCE ON VEHICLE THAT WAS SURRENDER TO XXXX THAT IS REPORTING PAST DUE WITH BALANCE AND HAD GAP INSURANCE THAT PAID THE VEHICLE OFF DUE TO BEING A LOSS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
INCORRECT BALANCE ON VEHICLE THAT WAS SURRENDER TO XXXX THAT IS REPORTING PAST DUE WITH BALANCE AND HAD GAP INSURANCE THAT PAID THE VEHICLE OFF DUE TO BEING A LOSS

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am filing this complaint regarding repetitive text messages from a debt collection agency called Jefferson Capital Systems. I recently called them to verify information they reported on my credit reports sometime in XX/XX/year>. After this matter occurred, I have been getting harassed with repeated text messages. I have not given Jefferson Capital Systems permission to electronically text me, and responding to the text message may cost me extra money on my phone bill. I strongly believe this company is violating my rights and boundaries regarding communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
XXXX XXXX stated I had " outstanding '' odds for approval for a Avant credit card. I applied for the card. They stated I was " preapproved '' and my card was " on the way ''. I was then advised of a hard hit on my credit report. I never heard from Avant until today and was advised of " adverse action ''. Before this I was unable to contact Avant on their website. I believe XXXX XXXX had enough information on me to tell if I truly had " outstanding '' odds of being approved. Also Avant had enough information with a soft pull on my credit to see if I was approved. This is very unfair that my credit now has a bad mark when I am trying to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Identity Theft Dispute Against TransUnion Request for Removal of Fraudulent Accounts and Inquiries Complainant : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date of Complaint : XX/XX/XXXX FTC Identity Theft Report Number : XXXX Statement : I, XXXX XXXX. XXXX, am submitting this complaint regarding TransUnions failure to promptly and adequately respond to my documented identity theft dispute, in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted an official Identity Theft Report to the FTC under report number XXXX, which included sworn statements and supporting documentation detailing multiple accounts and inquiries fraudulently opened using my identity while I was hospitalized. Despite formally disputing this with TransUnion, they have continued to report these accounts and inquiries, damaging my credit and violating federal law. 

Fraudulent Accounts Identified : XXXX XXXX XXXX {$2000.00} ( collection, joint account ) XXXX XXXX {$160.00} ( charged off utility account ) XXXX XXXX XXXX XXXX  {$2000.00} ( revolving credit, charged off ) Unauthorized Hard Inquiries on My Credit Report : XXXX XX/XX/XXXX ( TransUnion, XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX ( TransUnion  ) 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  XX/XX/XXXX ( XXXX  ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXXXXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( TransUnion ) I submitted these details to TransUnion, supported by my FTC report and XXXX verification. Under FCRA 1681c-2, 1681i, and 1681e ( b ), TransUnion is required to block fraudulent data and conduct timely reinvestigations. They have failed to do so. 

I am requesting the CFPB to investigate this matter and compel TransUnion to : Delete the above fraudulent accounts and unauthorized inquiries from my credit report Confirm in writing that the items have been permanently removed Prevent any future re-insertion of these items unless fully verified under 1681i ( a ) ( 5 ) ( B ) Thank you for your assistance in this urgent matter. 

Sincerely, 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 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX. As a result, I have become a victim of identity theft. After reviewing my credit reports, I discovered several unauthorized and fraudulent accounts that I did not open or authorize. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I do not recognize any of these companies or accounts, nor did I receive any goods or services from them. These accounts were fraudulently opened by someone else using my stolen identity. 

Actions Taken : I am formally disputing these accounts and requesting their immediate investigation and removal from my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of inaccurate and fraudulent information.

Applicable FCRA Laws Supporting My Dispute : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate the dispute within 30 days and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable.

FCRA 605B ( 15 U.S. Code 1681c-2 ) Block of information resulting from identity theft Upon providing proof of identity theft ( e.g., a police report or FTC Identity Theft Affidavit ), the consumer reporting agency must block the fraudulent information from appearing on the credit report within XXXX business days. 

FCRA 602 ( A ) Right to fair and accurate credit reporting The FCRA emphasizes that consumer reporting agencies must maintain accurate and fair credit files. Reporting fraudulent accounts caused by identity theft violates this standard.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Responsibilities of furnishers of information The companies that supplied this false information to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) have a legal duty to investigate the accuracy of the data and must correct or delete it if it is found to be inaccurate or the result of 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 non-monetary relief