vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: PA

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. 
DPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX ( XXXX accounts ), DPTED/XXXX # XXXX, DPTED/AIDV # XXXX, DPTED/XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX  ) # XXXX, XXXX ( XXXX XXXX  ) # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 general, 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.

15 U.S.C. 1681B ( 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 2025-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
All three credit bureausXXXX, Experian, and XXXX inaccurately reporting a late payment on a closed XXXX XXXX  account ( XXXX ), which shows a balance of {$4200.00}. Despite the account being closed, the reporting still reflects derogatory payment history and a balance, which is not only misleading but also in violation of 15 USC 1681e ( b ) and 15 USC 1666b, which governs how billing statements and account statuses must be maintained and reflected once resolved. No legitimate creditor should report an account as both closed and past due unless there is compelling and validated evidence of nonpaymentnone of which has been provided to me. This incorrect reporting may stem from outdated or misreported data tied to a data breach or systemic credit file error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
TransUnion is inaccurately reporting multiple late payments on my XXXX student loan accounts, each listed under the same loan identifier ( XXXX ), with balances including {$2600.00}, {$4900.00}, {$3300.00}, {$3700.00}, {$2500.00}, and {$740.00}. These accounts are federally backed and subject to extremely specific protections and servicing standards. The reported delinquencies are not only unsubstantiated but directly conflict with my payment history and communications with XXXX. TransUnions failure to properly verify these derogatory marks violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in all consumer reporting. These late payment entries do not reflect any official notice of missed payments from XXXX, nor were any Fair Credit Billing Act disclosures provided to allow dispute prior to negative reporting. This further violates 15 USC 1666b, as the payments may have been misapplied or misallocated without sufficient notice. Given that this false data spans several accounts and originated from a single source, it is highly probable the inaccuracies resulted from a data breach or improper batch 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 2025-05-01 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: INTERCONTINENTAL EXCHANGE, INC.
State: NY

Complaint narrative:
Complaint Summary : This complaint is being submitted in response to XXXX XX/XX/XXXX explanation in CFPB Complaint # XXXX and the recent XX/XX/XXXX response by XXXX XXXX XXXX XXXX  in CFPB Complaint # XXXX. 

In its own CFPB response, XXXX  admitted the following : XXXX  remains the mortgagee of the mortgage as nominee for each of the successors and assigns of XXXX until XXXX  assigns its legal interest as the mortgagee in the mortgage. 

XXXX  has not assigned its legal interest in the mortgage. 

However, in its CFPB response, XXXX has stated : XXXX XXXX is not the current owner of the mortgage, is not affiliated with XXXX XXXX, and therefore, is unable to address this matter further. 

These statements create an irreconcilable contradiction : XXXX  admits it has never assigned the mortgage ; XXXX admits it is no longer the owner and has no affiliation with the current servicer, XXXX XXXX ; Therefore, no successor or assign has been properly established or recorded contradicting XXXX claim that it remains nominee for successors and assigns of XXXX. XXXX XXXX XXXX DBA XXXX XXXX is the same operating company and XXXX XXXX is acting as a debt collector on a security not a note. The note was converted to a undisclosed and unregistered XXXX. 

Legal Conflict and Concern : Under New York Real Property Law 291 and 321, a mortgage must be publicly assigned to be enforceable. XXXX admits it has not assigned the mortgage, meaning no legal enforcement authority has transferred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) ... because XXXX was never the lawful holder or assignee of the underlying notes, the purported assignment of the mortgages by XXXX was a nullity. The foreclosure action could not proceed because XXXX, as nominee, never had authority to assign the note. 

XXXX  can not claim it is a nominee for successors and assigns without naming or recording those successors. This results in : An enforcement gap ; An unauthorized servicer ( XXXX XXXXXXXX ) making foreclosure threats; Misreporting to credit bureaus by parties not lawfully assigned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Smart choice auto my XXXX  XXXX was recalled and the computer system was not working I was told by XXXX the vehicle would be picked up worked on and then I can make monthly payments payments where always one time she stated no one was checked the car out and put it on my credit then communication ended

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 2025-05-01 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: TX

Complaint narrative:
Smart choice auto my XXXX  XXXX was recalled and the computer system was not working I was told by XXXX the vehicle would be picked up worked on and then I can make monthly payments payments where always one time she stated no one was checked the car out and put it on my credit then communication ended

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Smart choice auto my XXXX  XXXX was recalled and the computer system was not working I was told by XXXX the vehicle would be picked up worked on and then I can make monthly payments payments where always one time she stated no one was checked the car out and put it on my credit then communication ended

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to provide an update regarding the outstanding debt under the account referenced above. As of XX/XX/XXXX, the current balance on the account is {$0.00}. Up to date, payments totaling paid in full of {$56000.00} have been made, with the most recent payment of {$7200.00} submitted on XXXX XXXX. There is no remaining balance that need to be repaid according to the agreed terms outlined in our arrangement Dated XX/XX/XXXX, with monthly payments of {$940.00} due on the XXXX of each month PLEASE UPDATE ACCOUNT ON CREDIT REPORT ASAP 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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/XXXX. I had cancelled Auto pay on XX/XX/XXXX. 

US Bank withdrew the cancelled Auto payment anyway, creating an overdraft fee for me and now a " double payment ''. The Auto-Payment was posted TODAY XXXXNowhere in my account was this even visible and that's why I then initiated the manual payment. 
I contacted USBank chat and the Agent told me it couldn't be reversed at it is still " processing ''. The payment posted today and should have been reversible. I was told that I cancelled auto payment but not the scheduled payment. It is my understanding and was my intend that If I revoke any authorization to withdraw payments from my bank account, that this has the intend to cancel all further payments. I now have the auto payment that posted PLUS a manual payment I can not cancel and don't have the funds for in my bank account. The chat agent was unhelpful and tried to just get rid of me when I called it out as a scam. It is obvious that I was lied to as the payment HAD posted today.

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 2025-05-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX as reported on my Equifax credit report ( Confirmation # : XXXX ). This account was charged off and closed in XX/XX/XXXX with a balance of {$1400.00} and a past due amount of {$1100.00}. Despite the charge-off, Equifax continues to publish monthly updates through XX/XX/XXXX with charge-off status and unpaid balances. My payment history shows repeated charge-off notations post-closure. XXXX XXXX has not issued IRS Form 1099-C, despite classifying the loss as a Profit and Loss Write-Off. This violates IRS Code 6050P, which requires that debts over {$600.00} written off be reported as canceled. Continued reporting of the balance and past due amount under charge-off status is misleading, damaging to my credit, and violates FCRA 1681e ( b ). I have previously disputed this tradeline and received no validation or certified reinsertion documentation, which further violates FCRA 1681i ( a ) ( 5 ). I respectfully request the CFPB to require deletion of this tradeline from my Equifax report due to its unverifiability, misleading charge-off balance reporting, and failure to comply with IRS and FCRA obligations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MO

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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 seven 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 XXXX XXXX Rushmore changed hands to become Rushmore Loan Servicing, and all customers were required to set up a new online account. Upon attempting to set up new account, we were locked out, and our autopayments were stopped. We had to hire an attorney, and it took almost a year for Rushmore to admit they made an error by erroneously labelling our mortgage as foreclosed/ Real Estate Owned. During this time, I had to pay the home owners insurance directly. 

Once Rushmore corrected their mistake, I was required to bring mortgage current, including escrow amounts despite the fact that I paid the escrow. 

I'm currently paying escrow each month to cover property taxes ( which they paid ) and home owners insurance, which I assumed Rushmore was paying as well. I just received notice Rushmore did NOT pay the insurance, and my policy was cancelled.

Upon calling Rushmore, they could not explain why I am paying escrow, nor why they are not paying the insurance. At present, there is over {$4000.00} in escrow, and it's only XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
TransUnion is reporting a collection account from XXXX XXXX XXXX under account number XXXX with a balance of {$3000.00}. This account is inaccurate and appears to be the result of either flawed internal reporting or a data breach that led to erroneous third-party debt information being added to my profile. I have not received any prior billing, notice of default, or legal validation of this alleged debt directly from XXXX XXXX XXXX. The absence of this critical information, along with no opportunity to dispute or validate the account before it was reported, reflects a clear violation of my rights under 15 USC 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 15 USC 1681i, which mandates proper reinvestigation of disputed items. This account has significantly harmed my credit reputation and is being reported without substantiation or fairness.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Loan Science, LLC
State: AZ

Complaint narrative:
I have been harassed by Loan Science calling me. They never say why they are calling and asking for anyone by name. Which is weird. I have requested formal correspondence to find out what this is about. Maybe they have the wrong number. Because my student loans are in a payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

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 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