vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
The original FHA loan was with AMERIHOME MTG. The home was sold XX/XX/XXXX. AMERIHOME MTG has this account still showing on my credit report a balance of {$290000.00} with a XXXX  day late payment ( I was never late ) that hasn't been updated by AMERIHOME or the credit bureaus since XX/XX/XXXX. 

This is hurting my ability to purchase a new home, saddling me with a {$290000.00} debt that is not accurate and killing my credit score because of the balance and the status of XXXX  days LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and misleading entries on my credit report, which are negatively impacting my creditworthiness. Despite my attempts to resolve these issues directly with the reporting institutions, these errors persist. 

Incorrect Address Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both addresses listed on my report are incorrect and not associated with my current or prior residence. These inaccuracies can cause significant harm, including misidentification, potential fraud, and denial of credit. I request immediate correction of these addresses.

Incorrect Account Reporting : The following accounts are inaccurately reported as having late payments or being in collections. I have never made late payments on these accounts to my knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payment, {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, {$16000.00} and {$0.00} XXXX  accounts ( XXXXXXXX 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 ) Multiple Late Payments, balances ranging from {$1200.00} to {$10000.00} XXXXXXXX XXXX XXXX XXXX Late Payment, {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection, {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection, {$230.00} These accounts have been erroneously marked, and I demand verification of their accuracy. If the reporting institutions can not substantiate the reported late payments or collections with verifiable documentation, these entries must be deleted immediately from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear inaccurately or without proper authorization and should be reviewed. 

Requested Resolution : Correct all inaccurate addresses. 

Correct or delete all accounts incorrectly reported as late payments or collections. 

Investigate the unauthorized inquiries and remove them if found to be erroneous. 

These errors have caused and continue to cause substantial harm to my credit profile and financial standing. I request that the CFPB intervene to ensure compliance with FCRA regulations and that these inaccuracies are corrected promptly. 

Thank you for your prompt attention to this matter. I expect a formal response detailing the investigation and resolution.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I state that the incorrect late payment notations on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Since XX/XX/year>, Carrington Mortgage has demonstrated a repeated and inexcusable inability to manage my loan accurately, resulting in erroneous late charges, harassing foreclosure threats, and systemic administrative failures. These mistakes are entirely of Carringtons making, yet I have borne the financial and credit consequences each time. 

After being placed on certified funds due to circumstances outside my control, I made every effort to comply in good faith. In XXXX, I paid via XXXX XXXX and even covered an unwarranted late fee. Despite that, Carrington again claimed nonpayment. Upon investigation, I discovered the payment had been applied to the wrong account, not once, but multiple times. This is not mere oversight, this is negligence. 

Each time your institution mishandles my payment, I am forced to spend hours correcting your errors, draining funds from savings to cover late charges that were never my fault. Your representatives consistently display a lack of attention to detail and professional accountability unworthy of a licensed mortgage servicer. 

As of XXXX, I still have no clear record of where my funds have gone or how my account has been reconciled. The absence of transparency and the frequency of these errors suggest a breakdown in basic operational control. My credit has suffered, my finances have been disrupted, and your companys repeated incompetence has caused undue hardship. 

Carrington Mortgage must take immediate corrective action, reverse all erroneous charges, rectify my credit reporting, and provide written assurance that such mismanagement will not occur again and what/how they will do it. Should this matter remain unresolved, I will escalate through the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, sell my home, or seek legal counsel. I've done this before to address the corrupt and illegal action from XXXX XXXX and you did nothing so I hope you can do something with this issue/.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] XX/XX/scrub>XXXX XXXX  [ Address of XXXX  insert if available ] Re : Account No. XXXX Request for Debt Validation To whom it may concern : I am contacting you regarding the account referenced above. I have not received any written notice from your company identifying the alleged debt, the creditor, or the amount claimed, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). 
Accordingly, I formally request that you provide full validation and verification of the alleged debt, including but not limited to : 1. The total amount of the alleged debt, including an itemized breakdown of all interest, fees, and charges ; 2. The name and address of the original creditor, and any prior owners or assignees of the debt ; 3. A copy of the original signed agreement or other document showing I am legally obligated to pay ; 4. Documentation establishing your authority to collect this debt, including the chain of title or assignment ; 5. Proof that the statute of limitations for collection has not expired ; and 6. Proof that you are licensed to collect debts in the District of Columbia.

Until you provide the requested validation, please cease all collection activity, including calls, letters, and any reporting to credit bureaus. If this debt has already been reported, it must be marked as disputed until verification is provided.

Please send all written correspondence to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

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 2025-11-03 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:
Dear Sir/Madam, I am writing to dispute the following items that appear on my Experian credit report. These accounts contain inaccuracies and/or require further investigation. I request that these items be investigated and updated accordingly. 

Charged-Off Accounts : XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} I believe this account is reported inaccurately and request verification of the account details. 

Inquiries : XXXX XXXX, XX/XX/XXXX I request that you verify the legitimacy of this inquiry.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/year>, Citibank froze my checking account and placed it into a closing status after I deposited a legitimate {$1000.00} settlement check from a CFPB-approved case on XX/XX/year>. The check cleared the following week, yet Citibank kept the account frozen for over 38 days. 
During the freeze, Citibank continued accepting direct deposits into the account including my paychecks from XXXX XXXX XXXX but blocked me from accessing any of my own funds. Even though the money was available and mine, Citibank refused to release it or provide any written explanation. 
I called and emailed many times requesting an investigation and account restoration, and was told repeatedly that the account was under review with no updates. 
On XX/XX/year>, I emailed Citibank demanding compensation for the financial harm their delay caused. Citibank did not respond. 
On XX/XX/year>, Citibank finally reviewed the issue and admitted that all they needed to do was call the check issuer something they could have done immediately. Their failure to take this basic step caused significant and escalating financial damage.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX, I paid the minimum balance of {$190.00}. On XX/XX/year>, I made another payment of {$190.00}. On XX/XX/year> I called the credit card customer service number for Capital One to see what my balance in full is. I was told by the rep who's name I do not remember that the balance in full was {$5300.00}. I then contacted my credit union to have them do a balance transfer from the capital one card to a card I just had been approved for with them. They performed the transfer the same day, as a payment for that amount posted on XX/XX/year>. On XX/XX/year>, I was charged interest of {$47.00}. Based on the amount they gave me and a payment posting for that amount on XX/XX/year>, I should not have been charged the interest of {$47.00}. I do not have the full card number, as I have cancelled this card, but the last four are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I held both subsidized and unsubsidized loans from Nelnet from XX/XX/XXXX, until XX/XX/XXXX, when they underwent consolidation. I was unable to obtain detailed loan information from their customer service to verify the correctness of my balances or to ascertain the exact moment of consolidation. I am confident in the accuracy of my loans with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My student loans were forgiven in XX/XX/year>. I was told 90 day for refund. Its been six months now. Every time I call I get the run around that they cant give me any further information. Three times this month Ive been on a hold for over an hour and cant get to speak to anyone who can give me some clear information. It is well beyond 90 days.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I checked my latest credit reports and noticed multiple inaccurate accounts reporting that do not belong to me harming my file. These accounts are not mine and there fir should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : 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 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