vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-05-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/scrub> 2009, I obtained a loan modification with my current servicer/lender, XXXX XXXX XXXX XXXX XXXX where {$39000.00} was deducted from the principal balance and placed on the back of the loan as a balloon payment with {$0.00} interest. ( see attached ). 

On XX/XX/scrub> 2009, I received a cancellation of debt XXXX from XXXX XXXX XXXX XXXX for the ballon payment ( see attached ). A few years later, my loan was transferred to Select Portfolio Servicing , Inc. ( SPS ), and they received a copy of my loan modification agreement and cancellation of debt XXXX, however they have not only dishonored the modification agreement, but also for approximately over XXXX years SPS continues to make a gross error by showing {$68000.00} as deferred principal on my mortgage statement. 

Over the years, I have requested that SPS comply with the loan modification agreement, but they have ignored my requests. I've made countless verbal requests of SPS Customer Service and written and submitted several letters with supporting documentation ( see attached XXXX of my letters to SPS ), requesting SPS to correct the deferred principal error per the modification agreement and XXXX. In addition, SPS refuses to provide the name, address, phone number, and contact person of who holds the note, and copies with the original wet signature. I believe my loan was included in the bailout and that's why I received the XXXX over XXXX years ago in 2009, which was put in place to prevent mortgage companies/lenders/banks from double dipping on the backs of the borrower. 

This is my XXXX attempt to refinance my mortgage to take advantage of lower interest rates, and SPS is, once again, severely hindering my mortgage refinance application, because their payoff statement includes the gross error of {$68000.00}, as deferred principal. Essentially, SPS is trying to make me pay monies that I do not owe. Their defiant actions have continuously blocked me from taking advantage of refinancing for a lower interest rate and thereby blocking me from receiving better loan terms as well as suppressing my opportunities to save thousands of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Company insinuated that I was a scammer when failing to acknowledge my request to file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
In early XXXXXXXX XXXX XXXX, we noticed a charge on our USAA statement that we did not recognize in the amount of {$4400.00} to a store called XXXX XXXX. As my husband and I did not make this purchase, we immediately called USAA and reported the charge as fraudulent. USAA promised to look into it and removed it from our account. Initially, we felt secure that this would be rectified by USAA based on the superior customer service we have received in the past. 

Several weeks later we received an email that after investigation, the charge was found to be legitimate based on a supposed Fedex delivery/tracking number. However, both of us were working from home that day and we never received any XXXX delivery, nor did we sign for any packages on this date, regardless of what this XXXX tracking shows. The signature given to XXXX shown on the USAA documentation is not mine or my husbands. 

When online orders are placed at any merchant, an email address and phone number are generally required for purchase. Did USAA obtain this information to confirm that the email and phone number were ours? If not, this investigation was clearly not completed in full, as this is important information that should have been checked before declaring that this was a legitimate charge. We did not receive any confirmation emails stating that we made a purchase. 

It goes beyond saying that we are extremely disappointed in USAAs fraud protection the investigation process is obviously flawed as we are now being asked to pay for a charge that we did not incur, for a significant amount of money. In addition to the failure of this investigation, at no time after this transaction was placed did we receive any notification from USAA checking to make sure that it was a charge approved by XXXX, which seems like it should be standard process for a charge of this size, to protect your customers from exactly this type of situation! Instead, we noticed it ourselves when reviewing our account a few days later. In fact, we reported this charge as fraudulent BEFORE the supposed date that we would have received it on the XXXX tracking. Regardless of what the XXXX tracking says, we did not make this purchase, and have no intention of paying for someone elses criminal behavior. Apparently criminals have discovered other ways to make these false transactions look real. 

We have been loyal USAA customers for many, many years and almost always pay our statement in full each and every month. We are requesting that USAA remove this charge from our account and close this investigation.

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 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: NV

Complaint narrative:
I purchased the vehicle in XXXX in and around XXXX or XXXX i was making my payments to the finance company which out of XXXX, Utah the company that financed me was XXXX XXXX XXXX XXXX. When covid hit i was out of work for 6 mo. I called the finance company and they were unwilling to work with so i haf no choice but to voluntarily give up the vehicle. The loan officer or manager let me know the next steps which would they would auction the cat and whatever is left over i woulf be required to pay back to them. Time goes by i recieve no communication from XXXX XXXX XXXX i check my credit i check my credit abd i see a debt of XXXX from north american recovery which was opened XX/XX/XXXX i called they said we own your debt from new start. I let them know that i was not notified by XXXX XXXX that they sold my debt off and i requested a debt validation letter that i still have not recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I took out a {$1000.00} loan from XXXX XXXX VI, XXXX via XXXX. I was not aware that a {$1400.00} XXXX XXXX XXXX ( CAB ) fee would be added, making the total repayment over {$2500.00} for a {$1000.00} loan. This results in a XXXX XXXX APR. 

I was not clearly informed about the fee breakdown or how the repayment structure would work. I now can not afford the {$200.00} biweekly payments, XXXX the lender is authorized XXXX automatically debit my bank account. 

I believe this loan is predatory XXXX  not clearly disclosed. I am requesting an investigation into this practice XXXX help negotiating a fairer repayment or cancellation.

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 2025-05-23 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: NY

Complaint narrative:
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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection company that has failed to provide the correct and complete information I requested to validate an alleged debt.

I submitted a written request for debt validation to Westlake portfolio MGM, as provided for under the Fair Debt Collection Practices Act ( FDCPA ). In that request, I asked the company to provide documentation verifying the debt, including the original creditors name, the amount of the debt, and any contracts or agreements bearing my signature.

To date, the company has not provided the appropriate documentation to validate the debt. Instead, they either failed to respond entirely or sent incomplete or incorrect information that does not satisfy the requirements outlined in my request or the FDCPA.

This lack of proper response has prevented me from being able to determine the legitimacy of the alleged debt and has caused unnecessary stress and concern.

Company response to consumer: Closed with explanation