vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I have called several times throughout XXXX and XXXX for the company to process my IDR. I was told they don't even have a date when they will start processing it. I had one in XX/XX/XXXX that was never processed, then I did it again by sending Mohela a PDF uploaded directly on their website XX/XX/XXXX and still nothing. I even sent some in XXXX. I was placed in the SAVE program without my permission and I was not part of the IDR program that automatically was placed in it. So, I'm not sure how it's fair that I'm stuck in it. Everytime I call I get the same answer that they don't know when it will be processed. I have asked both the federal student aid people both over the phone and in a complaint to be transferred to a different lender, because no matter what I do they will not process it. I have a paper on file that I have had on file for a few years that I want to make payment while in school so I get credit for PLSF because I work for the government, they keep putting me in in school deferrment and say they won't change it because my IDR isn't being processed and they don't know when it will. This isn't fair that student loan customers are treated like this and no one will help us get it fixed.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The name of the so called creditor is Portfolio Recovery out of XXXX VA. They call our phones every day. I have asked them verbally to stop. I have asked them why they think we owe them money and the callers don't seem to know. Mostly callers are foreign nationals using what appears to be local numbers. Apparently my wife and I have judgements against us. Without ever being served?? We are retired senior citizens on fixed income. We are terrified they will garnish our social security. How can this happen? I never borrowed money from them. I did default on a bank loan 10 years ago, when I was still working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

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 2025-09-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX, XXXX  # XXXX, a licensed mortgage loan originator employed with XXXX XXXX XXXX  ( XXXX, IL ). XXXX XXXX, directly or through his associates at XXXX XXXX, has repeatedly pressured me to execute and deliver a Quitclaim Deed in connection with a pending refinance of our marital property located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The issue is not the deed itself, but the timing and handling : I was asked to sign and record the Quitclaim Deed prior to closing and prior to the funding of the refinance loan. 
My attorney responded in writing that this request is unusual, unnecessary, and exposes me to significant risk, since recording the deed before loan funding would remove my ownership interest in the property while I would remain fully liable on the existing mortgage debt. 
Despite this, the request persisted, which I believe constitutes improper and unethical conduct by a licensed mortgage loan originator. 

This conduct, if allowed, would place me in an extremely vulnerable position and directly undermines the fiduciary and professional obligations of a licensed mortgage loan originator to act in compliance with mortgage regulations and consumer protection standards. 

I am requesting that the CFPB investigate this matter to determine whether XXXX XXXX violated any statutes, regulations, or ethical standards by : 1 Requesting the execution/recording of a Quitclaim Deed prior to loan funding ; 2 Placing the consumer ( myself ) at risk of losing ownership rights while remaining obligated on debt ; 3 Failing to follow standard industry practice, which requires that such deeds be held in escrow and recorded only contemporaneously with loan funding. 
Attached are copies of correspondence between my attorney and XXXX XXXX  documenting these requests. 

Thank you for your attention to this matter. Please let me know if you require additional documentation or testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I would like to clean up my credit any remove the one charge off that I have on my account. Along with any late payments

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 2025-09-03 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-03 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: NC

Complaint narrative:
I have informed experian that several information on my credit report is incorrect and have requested removal. To which I have not received any response

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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
The company says they do XXXX $ interest a day and even with that I'm still seeing more interest pop up and every payment has been on time and some extra sometimes. I paid the bill today and was basically told that I must be had a late payment somewhere else is the reason of increasing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because Equifax, Experian, and XXXX are inaccurately reporting derogatory information on my XXXX  XXXX credit card account. 

Account details : Creditor : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Limit : {$370.00} Balance : $ XXXX  Monthly Payment : {$28.00} Issues : Contradictory reporting The account is shown as Open and Current while simultaneously displaying multiple late payments ( XXXX late notations in XXXX, XXXX, and XXXX ). 

Inconsistent balance information Equifax lists a high balance of {$0.00}, while Experian and XXXX  list {$370.00}. 

Different activity dates Last activity dates vary across bureaus ( XX/XX/XXXX vs XX/XX/XXXX ). 

False derogatory marks These late payment notations are not accurate and are damaging my credit profile. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Requires maximum possible accuracy in consumer reports.

605 ( 15 U.S.C. 1681c ) Prohibits the inclusion of false or obsolete derogatory data.

607 ( 15 U.S.C. 1681e ) Bureaus must ensure accuracy through reasonable procedures.

609 ( 15 U.S.C. 1681g ) No supporting documentation has been provided to justify these late payments.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed accounts within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers like XXXX XXXX from reporting false information. 

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I feel that this company is harassing me and family because of some reason. They do not answer our calls and emails and also I had to pay extra mortgage insurance and high rate because they are not able to download a file. They have wasted at least 3 months of our time.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX issued a hard inquiry on my TransUnion credit report but I have never and will never apply for a line of credit with them. I called the number associated with TransUnion that I could find online ( XXXX ) and went through an arduous process of first speaking with an automated machine for XXXX minutes and then a real agent ( XXXX XXXX for another half hour. 

He asked for all of my personal information, SSN/birthdate/residence etc to establish who I was and file a dispute on my behalf. I gave this information, confirmed that he was filing a dispute and how long it would take. I was told I would receive a follow-up email confirming case number and next steps but I have not and I am beginning to worry. I was also told to call back in a week and expect to see movement on my account within a week to a month. 

Admittedly, I moved 2 times this year and I was applying for a new ID when moving from my initial residence. I was told by my apartment complex they turned all the mail back into the mail carrier but I never received my ID and I worry this may be an offset of that.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a Capital One credit card, they terminated my card, I had a {$40.00} dollar balance, ended up being {$160.00} when I paid it, and they have not updated my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX  XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXXXXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized.

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 2025-09-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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