vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to request the correction of inaccurate personal information on my credit report. The current errors are causing significant issues with my credit applications, and I need this matter resolved promptly. 

I have attached the necessary documents to verify my correct personal details.

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 2025-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Between XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, my mortgage loan with United Wholesale Mortgage was placed under a partial payment/loan modification program approved by UWM. I complied with the program terms and submitted payments as required.

Despite my compliance, UWM reported my account as 30, 60, and 90 days late during this period. This is factually inaccurate reporting because : HUD and CFPB guidance state that when a borrower is making payments under an approved trial or permanent modification plan, the account must not be reported as delinquent. 
This false reporting is preventing me from obtaining FHA financing, because FHAs TOTAL Scorecard XXXX automatically blocks approval with recent mortgage lates. 
I submitted a formal dispute directly to UWM under FCRA 623 ( a ) ( 8 ) and a Qualified Written Request under RESPA 2605 ( e ), requesting corrections. UWM has not corrected the reporting.

I am requesting the CFPB ensure UWM : 1. Removes all inaccurate late payment marks ( 30/60/90 days ) for XXXX XXXX. 
2. UpdateXXXX XXXX XXXX XXXX XXXX to show Paid as Agreed / Current.

3. Provides written confirmation of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a medical debt reported by XXXX XXXX XXXX that I do not recognize and believe if mine should be covered by my insurance. 
When I spoke with XXXX XXXX XXXX  they confirmed my current insurance number and assured me that they would dispute the debt on my behalf. However, the issue has not been resolved. 
Despite their acknowledgment, I still see the debt reflected on my credit report and have not received any further updates or resolutions. 
I had insurance coverage at the time of the medical visit, and the debt should have been billed to the insurance company. This should not be my responsibility. 
I provided XXXX XXXX XXXX  with the necessary details for them to verify the debt with my insurance provider, but no resolution has been made to remove the debt or clarify the situation. 
I request that XXXX XXXX XXXX provide documentation proving that they followed up with my insurance company and that they correctly processed the claim. 
If the debt should have been covered by insurance, I request that the debt be removed from my credit report immediately. My desired resolution is that I request a full review of this debt and its processing with my insurance provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
upon checking credit report from Transunion i came across some unauthorized inquiries and i would them to be deleted as per FCRA

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I sent a letter asking for verification of a debt that is being reported to all three credit bureaus. The company received the letter and sent a response, however, the response did not include any validating information. Instead, they asked me for my social security number and " more details about the account ''. I do not have additional details about this account, which is why I submitted the letter requesting a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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'm writing to continue my formal dispute as I do not agree with the results of the investigation conducted regarding XXXX XXXX XXXX Account # XXXX. According to XXXX XXXX, Experian, and Transunion this account has been flagged and updated with a new Charge-Off status on XX/XX/year>. XXXX XXXX and the credit bureaus seem to be in violation of FCRA and Metro 2 reporting laws. A proper investigation was not conducted and I'm afraid data points have been manipulated to perhaps improperly Re-Age my account which is further damaging my reputation with furnishers. According to FCRA 623 ( a ) ( 5 ) : Furnishers must report the true Date of First Delinquency ( DOFD ) .Please verify the Date of First Delinquency on this account and provide me with a copy of all results and the transcript of the call conducted to verify this information as it seems that after XXXX investigations the negligence continues and the unverified and inaccurate information continues to purposely be furnished on my credit report and has been damaging my reputation and caused adverse actions to be taken against me. If this can not be provided I urge you to delete/remove this account entirely from my credit report in a timely manner. 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 2025-09-23 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Subject : Formal Complaint Regarding Fraud Claim [ XXXX ] Incomplete Reimbursement and Lack of Due Process Bank : Bank of America Account Number : XXXX Fraud Claim Number : XXXX Claim Amount : {$1400.00} Partial Credit Received : {$800.00} Date Claim Filed : XX/XX/year> Date Claim Closed : XX/XX/year> To the Consumer Financial Protection Bureau : I am submitting this formal complaint against Bank of America for mishandling a fraud investigation and failing to comply with federal protections provided under the Electronic Fund Transfer Act ( EFTA ) and Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I initiated a fraud claim for unauthorized charges totaling {$1400.00} on my checking account ending in XXXX. Bank of America credited only {$800.00} and closed the claim on XX/XX/year>. 

Upon discovering this discrepancy, I contacted the bank and was instructed to submit a written request for reopening the claim. I faxed a formal demand requesting : The basis for the authorization determination ; All evidence used, including any signed receipts, contracts, or documentation allegedly validating the disputed transactions ; A detailed explanation for the reversal of the previous credit ; A re-investigation under the protections of federal law. 

Despite these efforts, Bank of America has failed to respond in compliance with the applicable federal statutes. The disputed charges include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These transactions were unauthorized. I exercised my rights under the EFTA and FCBA, both of which require financial institutions to conduct a reasonable and timely investigation, provide written findings, and restore funds when no valid authorization exists. 

Bank of Americas failure to fully credit the amount in question, provide evidence, or perform a meaningful reinvestigation constitutes a violation of federal consumer protection laws.

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
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received a collections notice from Rent Debt Automated Collections ( RDAC ) for {$170.00} related to XXXX XXXX XXXX ( XXXX XXXX XXXX ). This was the first time I learned of this balance, as no prior notice or itemized bill had been provided by the apartment. 

On XX/XX/year>, RDAC mailed me a validation packet including a partial lease and an itemized bill. I then requested in writing that RDAC confirm the following : ( 1 ) if I pay, the account will be closed in full, and ( 2 ) the debt will not be reported to any credit bureau. RDAC has not responded to this reasonable request, instead insisting on phone-only communication, which does not provide a paper trail. 

Without written assurance, I can not safely resolve this balance without risking long-term credit harm. Being sent to collections can negatively affect a consumers credit for up to seven years, which is disproportionate to the small balance at issue and could have been avoided if proper notice had been given by XXXX XXXX XXXX  ( XXXX XXXX XXXX ) before sending the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? Ive observed inaccurate items on my credit report. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Ive reached out to this company for over a month to try to get some answers on the balance. I believe theres a mixup on this account because the address that was associated with it before Ive never been associated with. When I spoke to someone today, they said that an email was sent out to me I confirm with them that I never received the email. I asked them to put another request in so that I can see where this balance is coming from. At first I was told there was equipment I was being charged for which is not true then I was told it was a month of service for almost {$600.00} which does not make sense.I just need a breakdown so that I can move along and get this off of my credit. Ive been requesting information for over 30 days that I still have not yet received, and this has been detrimental to what Im trying to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the result of identity theft and fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX together with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. TransUnion is currently reporting an unauthorized Child Support account, number beginning XXXX, opened in XX/XX/year> with a reported balance of {$0.00}. I never applied for, opened, or authorized this account, and I request that it be immediately blocked and permanently removed from my TransUnion credit file in accordance with my rights under the FCRA. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a child support account reported by CHILDSUPPORT ( XXXX ), opened on XX/XX/year> with a balance of {$0.00}. This account has resulted in fraudulent hard inquiries and negative information appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection or enforcement activity related to said item cease pursuant to my rights under the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Location Services Holdings, LLC
State: GA

Complaint narrative:
Issue Category : Vehicle Loan / Repossession Vehicle Damages & Missing Personal Property Complaint Narrative ( What happened ) : On XX/XX/XXXX, my vehicle was repossessed by Location Services. When I retrieved my vehicle, I discovered both physical damages front hood, rear bumper, etc. ) and missing personal property sunglasses, necklace, chargers, license plate, etc. ). 

I submitted a complaint to Location Services. Their investigation and response were completed in only a day or XXXX, and my complaint was denied. After receiving this denial, I requested that my complaint be escalated for further review because it involved both vehicle damages and missing property. 

Despite this, the same agent who denied my initial complaint handled the escalation. After several weeks of delay, I received a second denial, again from the same individual. The extended delay compared to the first investigation, combined with the lack of an independent review, raises serious concerns about the fairness and adequacy of Location Services process. 
Location Services denied my complaint stating the agent stated that the damages to my rear bumper was just dirt, that damages on the hood was caused by me going to the car wash after redepemtion and lastly agent also stated that I was giving all my personal property even after I had made a complaint about a specific license plate that was photographed while in agent procession. The agent response to me claiming my license plate was that it was never in my vehicle. There's an attachment of a photo that I received from the agent were if you look closely you can clearly see my license plate that was in my trunk at the time of repossession. 

What I want : A fair and independent reinvestigation of my complaint. 

Reimbursement or compensation for the damages to my vehicle and the value of my missing property. 

Assurance that Location Services follows proper repossession and property handling practices in the future. 


Company Information : Company : Location Services Type : XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am submitting this formal complaint regarding multiple inaccuracies and unlawful entries being reported on my credit file by various furnishers and credit reporting agencies. These accounts and addresses are being misreported and are causing serious harm to my credit standing, financial opportunities, and overall well-being. 

XXXX. Wrong/Erroneous Addresses Reported The following addresses are being inaccurately listed on my credit report, which do not belong to me and should be immediately deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These false addresses create the appearance of fraud or misidentification, violating the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611. 

XXXX. Inaccurate & Unlawfully Reported Accounts The following accounts are either outdated, inaccurate, or being reported in violation of the FCRA, FDCPA, and other applicable consumer protection laws : XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Credit Limit : {$4500.00} | Improper Charge-Off XXXX  XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Credit Limit : {$3700.00} | Improper Charge-Off XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX | Credit Limit : {$6900.00} | Improper Charge-Off XXXX XXXX  ( Original Creditor : XXXX, Date Opened : XX/XX/XXXX XXXX High Credit : {$1400.00} ) Unverified Collection None of the above accounts have been properly validated, nor have I received sufficient documentation proving their accuracy or legal right to report/collect. Continued reporting of unverifiable, inaccurate, or outdated information is a violation of FCRA 623 and FDCPA 809. 

XXXX. Improper Credit Inquiries The following inquiries are unauthorized and damaging to my credit score : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent and must be removed in compliance with FCRA 604. 

Harm Caused Due to these errors and violations, my creditworthiness has been unfairly diminished. I have been denied fair access to credit, faced higher interest rates, and suffered undue stress. 

Requested Resolution I request the CFPB to : Investigate and compel the removal of the inaccurate addresses, accounts, charge-offs, collections, and unauthorized inquiries listed above. 

Require furnishers and CRAs to provide full validation of the accounts they continue to report. 

Ensure strict compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act, holding all parties accountable for violations.

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