vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$360.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, the servicing of my Mortgage was transferred from XXXX XXXX XXXX XXXX to XXXX  XXXX XXXX. On XX/XX/XXXX, the servicing of my Mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services , LLC . On XX/XX/XXXX, the servicing of my Mortgage was transferred from Carrington Mortgage Services , LLC to XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted written requests for information to Carrington Mortgage Services , LLC, requesting the following : Payment history, Servicing Notes, Call Logs, Modification ( s ), Welcome Letter, and Good-Bye Letter. As of this date, I have not received the requested documents from Carrington Mortgage Services , LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
I am disputing my XXXX XXXX account # XXXX. It is reported as a charge-off, but the balance is already {$0.00}. 
If the balance is {$0.00}, the account should not continue to be reported in derogatory status. This entry is misleading and continues to harm my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

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 2025-10-01 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: CA

Complaint narrative:
My credit report does not reflect my correct personal information, which has resulted in the appearance of unknown and inaccurate accounts. I have been a victim of identity theft, and my personal information was fraudulently used to open accounts with which I have never been associated. I filed an FTC Identity Theft Report as instructed by Experian and submitted it as required. Despite this, the fraudulent items remain on my credit report. This failure to act continues to cause harm to my financial standing and personal security.

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 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Subject : Mortgage Complaint Improper Handling of Payments, Lack of Foreclosure Notice, and Restricted Account Access Summary of Complaint : I am submitting this complaint regarding my mortgage companys handling of my account, which I believe reflects unethical practices and violations of consumer rights. 

Due to financial hardship, I previously entered into an agreed-upon payment arrangement with my mortgage company. I complied fully with the arrangement and made each payment as scheduled. Once that arrangement concluded, I contacted the company to resume regular payments. However, when I attempted to access the companys website to make a full payment, I discovered that my online account access had been cut off. 

When I contacted the company directly, they informed me that my account was in foreclosure and that legal fees had been assessed. However, upon checking court records, there is no filing or foreclosure case on record. Despite my repeated attempts, the company has refused to provide written foreclosure notification, a tentative foreclosure date, or any means for me to make payments to bring the account current. 

This situation has effectively denied me the ability to pay down my balance, apply payments toward principal, and prevent unnecessary interest from accruing. I believe the companys refusal to accept payments, failure to provide foreclosure documentation, and restriction of access to my account are highly improper and may violate consumer protection laws. 

Request for CFPB Assistance : I respectfully request that the CFPB investigate this matter to ensure that : I am provided with proper foreclosure notice and documentation, if foreclosure is in fact proceeding. 

My rights as a consumer to make payments toward my account are protected. 

The mortgage company ceases any improper practices that prevent me from resolving my account in good faith. 

I believe these actions by the mortgage company are unethical and have created unnecessary financial and legal harm. I ask the CFPB to review my case and hold the company accountable for these practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
XXXX is furnishing a tradeline that is false, misleading, and not representative of an actual extension of credit. This reporting lowers my credit score, misrepresents my creditworthiness, and prevents me from obtaining fair access to credit. 


I am revoking all prior authorization and consent XXXX had to report my information. 
I am opting out of data sharing and demand they delete the account and all tradeline reporting. 
i am rescinding any implied or express agency relationship POA etc FCRA, 15 U.S.C. 1681b ( a ) Credit reporting must be permissible and authorized. Revocation removes that authority.

FCRA, 15 U.S.C. 1681e ( b ) They must ensure accuracy. If you revoke consent, continued reporting becomes inaccurate/unlawful. 
EFTA, 15 U.S.C. 1693e Written authorization is required for transfers/agreements ; withdrawal cancels ongoing authority.

UDAAP ( CFPB authority ) Continuing after revocation = unfair/deceptive. 

XXXX is also furnishing unnecessary and outdated personal identifiers ( addresses, DOB, etc. ), creating further risk of harm and violating the FCRAs accuracy and completeness requirements ( 15 U.S.C. 1681e ( b ), 1681s-2 ). 

XXXX business model does not meet the definition of a bona fide credit account under EFTA ( 15 U.S.C. 1693 et seq. ), and continuing to furnish this information constitutes unfair and deceptive reporting, as defined under CFPB UDAAP standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting for Account # XXXX Dear Credit Reporting Department , I am writing to formally dispute an inaccurate entry on my credit report regarding my account with XXXX XXXX, account number ending in XXXX. According to my credit report, a 30-day late payment was reported for XX/XX/year>. 
This reporting is incorrect. My records indicate that payments were made on time in both XXXX and XX/XX/year>, and there was no payment that was more than 30 days late. I respectfully request a full investigation into this matter and ask that the inaccurate late payment notation be removed from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX XXXX : Conduct a reasonable investigation into the accuracy of the reported late payment. 
Provide written documentation that justifies the 30-day late status for XX/XX/year>. 
If you are unable to verify the delinquency, please update my account status with all credit bureaus to reflect accurate and timely payments and remove the XX/XX/year> 30-day late mark. 
I appreciate your prompt attention to this matter. Please provide written confirmation of the results of your investigation. 
Sincerely, 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've spent multiple days trying to talk to a person at the company. I've been hung up on over a dozen times, and am regularly told that I'm being transferred, only to get transferred toa dead end line that repeats a message that it's outside of normal business hours when it is not. 

I have been attempting to make a payment to settle the debt, but every person I've spoken to simply disconnects or sends me into the dead end line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I've spent multiple days trying to talk to a person at the company. I've been hung up on over a dozen times, and am regularly told that I'm being transferred, only to get transferred toa dead end line that repeats a message that it's outside of normal business hours when it is not. 

I have been attempting to make a payment to settle the debt, but every person I've spoken to simply disconnects or sends me into the dead end line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

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. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This incorrect account should be eliminated promptly. I never authorized or approved it. Verification is attached.

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 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a Synchrony Financial Credit Card. On XX/XX/year> through XX/XX/year> someone took my credit card and charged over {$4500.00} on my credit card online and bought furniture at XXXX XXXX XXXX. 

XX/XX/XXXX {$430.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$120.00} all in XXXX. 

They made all of these charges online to my account. I did not make any of these charges. 

I called to dispute the charges and they will not take them off of my account. 

They said they did an investigation and the items were delivered to my address. I called XXXX XXXX to confirm none of these items were delivered to my address. 

I have also filed a report with the local XXXX Police Department, The Illinois Attorney General. Sychrony Financial and XXXX XXXX will not return my phone call and said that sometimes these things happen.

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 2025-10-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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