vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-03-05 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-06 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint against Rushmore Servicing LLC for engaging in unfair mortgage servicing practices that led to the wrongful foreclosure of my home at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The foreclosure sale occurred on XX/XX/year>, through a nonjudicial auction, where the property reverted to Rushmore Servicing after failing to receive third-party bids. However, I was never provided proper notice of default or foreclosure by certified mail, email, or personal service, violating federal and Texas foreclosure laws. 

Furthermore : I have resided in this home for XXXX years and was approved for a {$47000.00} Texas state grant during the XXXX XXXX for mortgage assistance. 

I have documented financial hardship due to a car accident, which should have been considered before foreclosure. 

Upon calling Rushmore Servicing on [ Insert Date ], I discovered they did not even have my correct phone number on file, proving that I was never properly notified of my foreclosure. 


Rushmore Servicings actions violate : 1. The Real Estate Settlement Procedures Act ( RESPA ) XXXX U.S.C. XXXX, which mandates proper loan servicing and borrower notification. 

2. The Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, which prohibits deceptive and unfair mortgage servicing practices. 


I request that the CFPB investigate Rushmore Servicing LLC for predatory foreclosure practices and require them to : 1. Reverse the foreclosure sale and reinstate my mortgage. 

2. Provide a written explanation of why I was not notified properly. 

3. Offer foreclosure alternatives, such as loan modification or repayment plans. 


Enclosed, I have attached : My correspondence with Rushmore Servicing. 

Documentation of my financial hardship. 

Proof of residence and my XXXX Texas government grant assistance in the amount of XXXX paid towards my mortgage before the nonjudicial sale of the home without notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone I know from social media that sports does sports bet had made a big win so I texted him to see what it was all about and how I could get into it. so he told me to send a certain amount of money which was {$200.00} and that if I lost he would reimburse me half the money which was {$100.00}. So I sent him {$100.00}, then when I tried to send another {$100.00} Cashapp would not let me so he told me to send it to another Cashapp, He informed me the next day that I won and it was for {$1300.00}, and it would take a few days for the money to deposit in his bank account from withdrawing it. He told me a few days later that the money would hit his account in 24 hours. Since then he stopped returning my calls and texts. All I want is my {$200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " Absolute Resolutions I, '' and it is reflecting as derogatory, which I believe is inaccurate and unverifiable.

The details of the disputed account are as follows : Creditor Name : Absolute Resolutions I am disputing this account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted.

Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by law.

Please send your findings to my address listed above.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: KY

Complaint narrative:
after receiving a threatening voicemail from the Stafford group claiming to have information on a debt which they didnt disclose the original creditor. they also claimed to have questions in regards to my property ( which i do not own ) insinuating they were looking at taking my home which i rent ... within minutes i return the call only to be sent to voicemail. i am sending debt verification forms via certified mail in the morning ( XX/XX/year> ). there is no debt they should be contacting me about the only active collections are those that i am in active contact with. they are not one

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 2025-03-06 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: WI

Complaint narrative:
Rented a car from XXXX XXXX, XXXX. Returned the car per contract, paid the bill in full. XXXX, XXXX they claim I owe them for a tire. I disputed the debt and asked for an explanation. They did not respond. I disputed the charge on my credit card and won the dispute. 

XXXX, XXXX I receive a collection letter from Viking Client Services out of XXXXXXXX XXXX demanding payment of {$120.00} for an XXXX XXXX XXXX XXXX' for a rental that occurred XX/XX/XXXX. 

Trying to charge me for a tire on a rental car more than 6 months after the rental is absurd. Sending the debt to a collection agency is even worse. I do not owe them anything, they were paid in full and the car was turned in without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 it states I have the right to privacy. 15USC1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 it states I have the right to privacy. 15USC1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I've been working on my credit and finally got approved for capital one secured credit card me wife an kids took a trip missed a week of work so was short on funds had to use the card and we did go over the limit but when making a payment on payday Friday 's by the time they process the payment my account is to low but I have overdraft so not understanding why they return payment and I've missed a few payments because of this and they don't seem to care and now they closed the account out I can't help it takes them to long to process a payment or won't process payment with overdraft this is crazy I worked so hard to get that credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The list of items below is what was done in the data breach. I am not aware of these entities. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX and XXXX Both do not have a bankruptcy on my credit reports. Why won't you investigate my disputes? Why are you ignoring the law? I am set to sue you with proof that you knowingly report inaccurate information on my credit. You Transunion are defaming my financial character by reporting false information. By law you must investigate and you refuse to do so. 


XXXX XXXXXXXXXXXX XXXX XXXX  The credit reporting agencies must only report accurate info. You are bound by law! 
The XXXX of XXXX, XXXX, and XXXX will make you remove this my report, and the glory belongs to his Son, The 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 non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am formally disputing an inaccurate and unverified item on my credit report that violates the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX Issue : The account has inconsistencies and unverifiable reporting that require deletion. 
Legal Arguments for Removal : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct an independent and reasonable investigation beyond automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) When notified of a dispute, credit bureaus must promptly correct or delete inaccurate information. 

15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Any unverified or inaccurate account must be deleted if it fails to meet accuracy standards. 
As this account contains conflicting information, it must be removed. Please send a written response within 30 days as required by the FCRA. 

Enclosures : A copy of my credit report with the disputed item highlighted. 
A copy of my identification for verification.

Company response to consumer: Closed with non-monetary relief