vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 1681i, and for not blocking fraudulent tradelines despite receiving proper documentation under 1681c-2. 

I previously disputed several accounts, including one associated with XXXX XXXX which I reported as a result of identity theft. Despite submitting appropriate documentation, including a written dispute and supporting materials, [ CRA name ] failed to delete or adequately verify the tradeline. The dispute was closed with the generic claim that the item was " verified as accurate, '' without explanation of the verification method, in direct violation of 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Additionally, the account appears to have been reported inconsistently across credit bureaus, and may involve duplicate or incorrect formatting violating Metro 2 compliance standards. These continued inaccuracies are damaging my credit and were not resolved despite repeated requests.

I am attaching the following : My original dispute letter Investigation results from the credit bureau Screenshots of how the tradeline appears on my credit reports My identity theft statement in original dispute letter I respectfully request that the Consumer Financial Protection Bureau enforce immediate correction or deletion of the inaccurate tradeline ( s ) and require full FCRA compliance from the company.

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 2025-07-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NATIONS LENDING CORPORATION
State: TX

Complaint narrative:
our home is finance with nations lending and has been since XXXX.we have even refinanced with them a couple of times with no issue but this time we wanted to refinance with a cash out option we were working with a agent by the name of XXXX XXXX.he treated us fairly did everthing we ask we were conditionally approved and 2 times at the day before we were suppose to close the lady in underwriting. kept coming up with reason not to close i truly believ it was because of mine and my wifes age i am XXXX and she is XXXX i even emailed the company and talked to them about this issue they didnt even have the courtesy to respond .we even had to pay for the apprassial on the home cost us XXXX dollars.even XXXX said that this is not right should have been a easy refinance.

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 2025-07-12 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
XX/XX/year> : Issue with purchases in card, couldnt resolve with company, filed a dispute using https : //balance.vanillagift.com/manageCard. Submitted all needed information and documents and was told its being investigated XX/XX/year> : noticed that card manager changed to card on hold, and while the balance remained {$0.00}, there are {$300.00} in credits on the account but arent usable XX/XX/year> : after checking everyday waiting for this to finish, I finally called vanilla using the phone number provided and was given no information or actions I can take. Completely unhelpful and basically told me to go away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I was in bankruptcy, and during that time, I did not receive regular communications from any servicer. After my bankruptcy was dismissed, I was contacted by XXXX, who informed me they were now servicing my federal student loans. I immediately set up a deferment with XXXX and believed that all of my federal loans had been consolidated or transferred to them. 

I only became aware of the XXXX account after the damage was already done to my credit. Which is 28 accounts.

Once I discovered the issue, I promptly contacted XXXX and placed my account into deferment. I also submitted a goodwill letter explaining the situation and requesting that the late payments be removed due to the lack of proper notice and the confusion caused by the servicer transition and my bankruptcy status.

These late payments have severely impacted my credit scoredropping it by more than XXXX pointsand were not the result of willful neglect. They were caused by a breakdown in communication during the loan servicing transition following my bankruptcy. I have always made every effort to stay on top of my student loan obligations.

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 2025-07-12 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: TX

Complaint narrative:
I was in bankruptcy, and during that time, I did not receive regular communications from any servicer. After my bankruptcy was dismissed, I was contacted by XXXX, who informed me they were now servicing my federal student loans. I immediately set up a deferment with XXXX and believed that all of my federal loans had been consolidated or transferred to them.

I only became aware of the XXXX account after the damage was already done to my credit. Which is 28 accounts.

Once I discovered the issue, I promptly contacted XXXX and placed my account into deferment. I also submitted a goodwill letter explaining the situation and requesting that the late payments be removed due to the lack of proper notice and the confusion caused by the servicer transition and my bankruptcy status.

These late payments have severely impacted my credit scoredropping it by more than XXXX pointsand were not the result of willful neglect. They were caused by a breakdown in communication during the loan servicing transition following my bankruptcy. I have always made every effort to stay on top of my student loan obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : Equifax- 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 00:00:00
Product: Mortgage — Conventional home 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
For the last month I was told that I needed to pay by the XXXX of the month which a late fee will be assessed. My husband was told that the mortgage needed to be paid within the month. I don't know what to believe but because of deaths n the family we can fall behind sometime.We are in a place where there is no family and If we could even ask my family for the mortgage. We will just try to do it ourself Take the back lash. We pay the mortgage but sometimes we can be behind because the property that they put the manufactured home only gives a three day grace period and that little land that they provide to park the cars on is XXXX not worth XXXX We are always late and have to pay a late fees which is XXXX a day but it can add up. The mortgage is 21st Mortgage and the name of the Park is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-12 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: DC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DC

Complaint narrative:
I filed a complaint against trans Union Equifax and Experian Ive have at least three already telling them that this isnt me and they are selling this information around the country without my consent to do so I will continue to repost them until my issue is fixed XXXX XXXXXXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX {$55.00} XXXX XXXX XXXX XXXX XXXXXXXX Ive also went an filed a class act lawsuit that I will be following through with because they have yet to provide to evidence that it was me instead they are trying to keep it on my credit I will continue to contact my lawyer everytime and also file a complaint also transUnion And Equifax has yet to resolve any of my issues or change anything dealing with my credit I also have a class act lawsuit against them as well I will be forwarding a copy of my complaint today to my lawyer they didnt abide by code 15USC1681c-2 15 U.S. Code 1681i and also 15 U.S. Code 1681i ( a ) ( 5 ) ( B this goes against my rights and I wont stop until everything is taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DC

Complaint narrative:
I filed a complaint against trans Union Equifax and Experian Ive have at least three already telling them that this isnt me and they are selling this information around the country without my consent to do so I will continue to repost them until my issue is fixed XXXX XXXXXXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX {$55.00} XXXX XXXX XXXX XXXX XXXXXXXX Ive also went an filed a class act lawsuit that I will be following through with because they have yet to provide to evidence that it was me instead they are trying to keep it on my credit I will continue to contact my lawyer everytime and also file a complaint also transUnion And Equifax has yet to resolve any of my issues or change anything dealing with my credit I also have a class act lawsuit against them as well I will be forwarding a copy of my complaint today to my lawyer they didnt abide by code 15USC1681c-2 15 U.S. Code 1681i and also 15 U.S. Code 1681i ( a ) ( 5 ) ( B this goes against my rights and I wont stop until everything is taken off

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 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I contacted National Credit Systems ( NCS ) regarding a collection account related to XXXX XXXX XXXX in the amount of {$3100.00}. I spoke with a representative named XXXX, and we reached a settlement agreement for {$1800.00}. I was sent a written confirmation stating that the debt was satisfied. 

Immediately following that call, I was transferred ( or directed ) to XXXX XXXX XXXX XXXX, which uses the same phone number as NCS. I believe this may be a tactic used to intimidate or pressure consumers, but I proceeded in good faith to resolve the issue. This second collection was related to XXXX XXXX  in the amount of {$950.00}. I spoke with a representative named XXXX and agreed to a settlement of {$760.00} with the same pay-for-delete agreement. 

Despite paying both collection accounts and receiving documentation that they were satisfied, both collection items are still being reported on my credit report. As a result, I have been denied housing on two separate occasions, which has caused me significant distress and hardship. 

On XX/XX/year>, I followed up again with XXXX, who identified herself as a supervisor. I explained that the collections had not been removed and that I was being denied housing because of them. She confirmed that they should have been deleted and stated she would take care of it. However, as of today, these accounts remain on my credit report. 

I have retained all documentation showing that both debts were paid and settled as agreed, including confirmation letters and payment receipts. I am requesting immediate intervention to ensure that both collection items are removed from all three credit bureaus ( XXXX XXXX XXXX XXXX ) in accordance with the agreed-upon pay-for-delete terms. 

This situation has directly impacted my ability to secure housing and is a clear violation of the agreement made by the collection agencies. I respectfully request that the CFPB take appropriate action to resolve this matter and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
Well I have not been able to pay back my loan for years and have tried everything to apply for a deferment asked my employer about the public service forgiveness I also asked my primary care doctor about the XXXX XXXX XXXX XXXXXXXX application Ive called numbers to see what action to take and how to bring up a strong argument against them I even applied for a deferment with my relatives and nothing worked 2025

Company response to consumer: Untimely response