vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED, has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States XXXX  XXXX XXXX XXXX XXXX  that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion  lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-06-06 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: TX

Complaint narrative:
The orginal Company owed was XXXX XXXX XXXX  -- I closed account and had been paying remaining balance monthly between $ XXXX. They sold acct to collections in spite of my monthly payments and the company listed below filed this one amount owed to XXXX XXXX  XXXX on my credit report as 5 different collections. This is illegal and unconstitutional. This is what I sent to the company -- -also the amount they submitted to collections 5x is in correct as well. 

Prince Parker & Associates XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX Subject : Request for Immediate Correction of Duplicate Credit Reporting To Whom It May Concern, I am writing to formally dispute and express concern regarding your agencys reporting of multiple entries for the same debt associated with XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. 

After reviewing my credit file, I have identified five or more separate entries listed under your agency, all connected to a single account. This kind of repeated reporting for the same debt is misleading, unfair, and may be a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that you immediately correct this reporting by removing all duplicate accounts and leaving only one accurate and verified entry, if applicable. If this is not resolved promptly, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for deceptive credit reporting practices. 

Please confirm in writing that you have received this letter and are taking appropriate action. I expect this issue to be resolved within 15 business days.

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 2025-06-06 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: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a XXXX XXXX XXXX XXXX, every financial decision I make directly affects my child ( ren ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 
2. The following personal information is incorrect XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach.After reviewing my credit reports Ive noticed some accounts I am unfamiliar with.I have asked the CRAs for validation of debt, however, the information has not been provided.Due to my information being exposed.I have submitted a FTC complaint reporting the info I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-06-06 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and use of my student loan information, which constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). This federal law mandates the protection and confidentiality of student education records, including any personally identifiable information related to my enrollment and financial aid. 

Despite these legal protections, my private student loan data was accessed, shared, or used without my knowledge or consent. This breach of confidentiality has resulted in the compromise of both my personal and financial information, exposing me to potential identity theft, financial loss, and emotional distress. 

As a borrower, I have a reasonable expectation that my sensitive records will be safeguarded. The failure to do so is not only a violation of FERPA, but also a gross neglect of the duty owed to me as a student and citizen. This misuse of my information has had a direct and negative impact on my financial standing and personal wellbeing. 

Given the severity of this breach, I am formally requesting the immediate cancellation and full discharge of my outstanding student loan debt. This action is both necessary and appropriate to rectify the damage caused and to hold the responsible parties accountable for their failure to uphold federal privacy laws. 

Please investigate this matter promptly and provide a written response outlining the steps that will be taken to address this violation, including confirmation of loan discharge.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recovery Solutions, LLC
State: NY

Complaint narrative:
Got a letter from XXXX XXXX XXXX saying they are trying to collect a debt for the XXXX department XXXX XXXX treasury for {$33.00}. I have never heard of this debt. XXXX is dated XX/XX/year>. And if its not fraudulent then my question is why the government using third parties to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized Accounts/information, and late payments reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-06 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized Accounts/information, and late payments reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: DriveTime
State: FL

Complaint narrative:
Dear XXXX, Repossession Notation Removal and Reinstatement I am writing to express my concern and dispute the handling of my credit report regarding the vehicle loan with XXXX, a joint account with my mother. Specifically, I dispute the removal and subsequent reinstatement of the repossession notation.

The facts are as follows : - The vehicle was repossessed and sold at auction.

- I agreed to a payment plan with XXXX, making bi-weekly payments of {$320.00}.

- Without my permission or notification, the repossession notation was removed from my credit report, only to be reinstated later.

I request that you : - Investigate this matter immediately.

- Remove the repossession notation from my credit report immediately.

- Provide written confirmation of the removal.

I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue and would appreciate any documentation or communication related to this account, including correspondence with XXXX. 

Sincerely, XXXX This rewritten version incorporates your request to remove the notation immediately and mentions the CFPB complaint. Keep a record of your correspondence and follow up as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several inquiries and personal information and XXXX collections. 
Please remove the following fraudulent information. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Please remove fraudulent collectons : XXXX XXXX XXXX- XXXX XXXX, XXXX Original Creditor : XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX ) XXXX- XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} Please remove fraudulent inquiries : XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX Please remove the incorrect the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove the following incorrect names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
My parents died in XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX ). They had homeowners insurance that paid for the home upon their deaths. I became the legal executor of their estate. I requested that the company retrieve the insurance documents from the mortgage company that they bought it from. SN Servicing Corporation did not retrieve the insurance documents. 

Despite my request, I have made mortgage payments. Recently my home was three months ( not consecutively ) late in mortgage payments. SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX, purchased the mortgage from another mortgage broker. Each time I would make a payment, the company would not apply the amount, stating that it was a partial payment, which constantly incurred daily interest and late fees. I paid all of the money owed, including extra money to cover any late fees. I spoke directly to XXXX XXXX, an account representative for thecompany, via email, who stated that the extra money was applied to legal and foreclosure fees. I was also being charged insurance, as I did not have homeowners insurance until XX/XX/XXXX. I am still being charged for insurance despite my insurance company submitting proof of insurance to SN Servicing Corporation.

I recently received a bill with my regular mortgage payment of {$230.00} plus {$100.00} for legal, foreclosure, and escrow fees. My outstanding principal has increased, not decreased, regardless of my payments.

I received a statement of incorrect account information, stating that as of XX/XX/XXXX, I am 90 days delinquent. I only missed 2 payments in XX/XX/XXXX and XX/XX/XXXX, in which I sent two payments on XX/XX/XXXX ( {$230.00} and {$300.00} ), one payment on XX/XX/XXXX ( {$230.00} ), and two pending payments scheduled for XX/XX/XXXX ( {$230.00} ) and XX/XX/XXXX ( {$230.00} ). As of XX/XX/XXXX, to XX/XX/XXXX, I have submitted payments totaling {$1000.00}. With the payment scheduled for XX/XX/XXXX, the total payments from XX/XX/XXXX, to XX/XX/XXXX, will amount to {$1200.00}. 

I noticed that the interest charged on the account totals {$130.00} on XX/XX/XXXX ; {$410.00} for XXXX ; and {$130.00} for XX/XX/XXXX. I also noticed that my payments are not being applied as they are considered " partial payments '' ; however, they are not deemed to be partial payments as I pay {$2.00} over with each payment to be applied to the escrow, and the {$300.00} payment on XX/XX/XXXX was to cover the late charge assessment fees of {$9.00} x 2 ( {$19.00} ) for nonpayment in XXXX and XXXX and {$48.00} towards the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This was a credit card with B of A that had two security breaches at the time the card was in use. I feel behind on payment in XXXX and the card was always showing different owed balances. Before the close of the card by B of A charges when form $ XXXX to $ XXXX and B of A is suing be for the charges now. I had made several attempts to remedy the situation and try to work with B of A this account has online statement which now are no longer accessible. I still have a regular B of A checking which I keep gets hit with fraud.

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