vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant XXXX  and distress.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I financed a XXXX XXXX timeshare purchased in XXXX XXXX and later attended an ownership update in XXXX XXXX. I was told maintenance fees would not begin until a later date, yet fees began immediately. 

I was also assigned XXXX representatives who were supposed to assist me step-by-step in setting up my vacation and benefits. They failed to follow through despite repeated calls and texts. Promised benefits, including a party package, were never provided. 

I made my most recent payment in good faith, but I am disputing this contract due to misrepresentation, improper billing, and lack of promised support. Multiple attempts to resolve this directly have failed.

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 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted XXXX pieces documents to Planet home Lending, XXXX showing that my husband is now 100 % XXXX exemption for the tax year XXXX payable in XXXX. The XXXX  paper showed our updated taxes information showing he was exempt. On XX/XX/XXXX, I contacted them and the rep told me they were making a decision and letting me know within 7 business days. I emailed them yesterday demanding an update before the 60 day mark. Today I called Planet Home lending and spoke to a foreign gentlemen who told me that he cant update our taxes to reflect a XXXX escrow for next year. I told him that our taxes starting XXXX should change, an analysis should be done to reflect this change, he told me the taxes don't change which is a lie. We pay our Insurance and property taxes out of escrow due to having a XXXX  XXXX. The gentlemen refused to tell me why they wouldn't change it. My mortgage payment should drop by a few XXXX dollars and my escrow account has quite a bit of funds in it right now to pay insurance for next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am formally disputing the auto repossession account reported on my credit file by XXXX XXXX XXXX, Account XXXX : XXXX, as inaccurate, incomplete, and misleading. The information currently being furnished appears to contain material inaccuracies, including but not limited to incorrect reporting of dates, balances, payment history, account status, and/or repossession details. These inaccuracies are causing ongoing and unwarranted harm to my credit profile. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally obligated to conduct a reasonable and good-faith investigation of this dispute and verify the accuracy of the information directly with the furnisher. If this account can not be fully verified with competent evidence, or if any portion of the information is inaccurate or incomplete, the FCRA requires immediate correction or deletion of the account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

In accordance with FCRA 609 ( a ) ( 1 ), I hereby request full disclosure of all information in your possession related to this account. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are explicitly prohibited from reporting information that they knowor should reasonably knowto be inaccurate or unverifiable. The continued reporting of such information constitutes negligent or willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-16 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Balance should show {$0.00} and account in good standing based on settlement agreement with furnisher. Obligation is fulfilled. Requesting for correction.

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 2025-12-16 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is beyond frustrating that inaccurate late payments continue to show on my credit report this morning. Even after refreshing my browser, nothing changed, and I urgently need the documents I submitted to be examined in detail so this problem can be fixed right away and put an end to this stress.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
THE REPORTING OF LATES ON THE FOLLOWING ACCOUNTS NEED TO BE VERIFIED AS LATE AND THE XXXX  DAY NOTICE NEEDS TO BE PROVIDED AS WELL AS THE CONSENT TO SHARE MY PERSONAL INFORMATION XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE IN VIOLATION OF XXXX XXXX XXXX INACCURATE REPORTING, XXXX XXXX XXXX FAILURE TO PROVIDE XXXX  DAY NOTICE, XXXX VERIFICATION OF LATE WITH XXXX  DAY NOTICE,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I just recently looked at my credit report on Experian and XXXX XXXX XX/XX/XXXX, XXXX i saw some XXXX  inquiries that did not have permissible purpose. I also attached evidence 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I NOTICED THIS COLLECTION ON MY CREDIT REPORT ON XXXX  FROM CREDENCE RESOURCE. FOR LIKE {$480.00} AND THEY DON'T EVEN STATE FROM XXXX THIS IS UNKNOWN TO ME AND I NEED THIS DELETED FOR ITS INACCURACY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.W

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is inaccurately reporting my auto loan as closed and in repossession, which is false. 

While my vehicle was temporarily repossessed, I paid the required amount, reinstated the loan, and recovered the vehicle. The account remains open and active and is billing normally. 

I have documentation confirming this, including : A Wells Fargo auto loan statement dated XX/XX/XXXX showing an active account, an outstanding principal balance, and a future payment due date A screenshot from my Wells Fargo online account showing the loan is active and that the next payment is due XX/XX/XXXX Despite this, Wells Fargo continues to furnish inaccurate information to the consumer reporting agencies, which does not reflect the true status of my account and has negatively impacted my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
I have had Goodleap servicing a solar loan. They have received payment through autopay. We sold the home this solar system was on through an REC. The escrow company performing the servicing of the loan has provided checks to goodleap in addition to our auto pay. They have processed one ( 1 ) check from the escrow company, the remaining three ( 3 ) checks have not been credited to the account. After multiple phone calls, they are unable to locate these funds. When questioned why they were able to process and credit the first check and not the remaining three they could not provide an adequate answer. The burden of proof has now been placed on me to provide copies of these checks. This is not an issue, but there are costs associated with providing this information. Additionally, these checks, were they processed in a timely fashion would have reduced the interest and principal balance on the loan. I have repeatedly requested how goodleap will make good on this lost money, and how they intend to reimburse me both for the time and costs I have incurred due to their ineptitude as a financial institution to properly handle payments and money. The outsourced call center staff has limited knowledge and ability to work in their system and can not provide appropriate answers or resolution to this issue. While I can understand that mistakes happen and things will get overlooked, the misappropriation of three checks that have been cashed is very concerning and would seem to constitute a serious look at their infrastructure and handling of money paid by consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
Around XX/XX/year>, my identity was stolen a loan was taken out without my knowledge or approval which has caused my perfect credit to drop.

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 2025-12-16 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-16 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My wife and I planned our anniversary trip to XXXX XXXX for XXXX XX/XX/XXXX back on XX/XX/XXXX with final travel arrangements being paid on XX/XX/XXXX. We booked XXXX XXXX  to fly into XXXX XXXX. While we were already monitoring XXXX XXXX to see if we needed to replan our trip, there was a death in the family on XX/XX/XXXX. Causing us to change plans anyway due to the funeral service date of XX/XX/XXXX. By this time we knew that XXXX was not going to happen due to catastrophic damage being predicted for the island. I requested refunds from all companies paid in our travel arrangements and had no problems with receiving my money back excpet frrom XXXX XXXX. The puzzling thing is that XXXX XXXX  sent an email on XX/XX/XXXX giving the option of a refund or credit. A refund was requested from the airline and the airline has not honored the request. When I did not receive a refund per request from XXXX XXXX  I immediately put in a claim through BOA that is till not resolved to date. All documentation was given to BOA that is black and white for my credit/deposit to be refunded. With XXXX XXXX giving me an option I shouldn't have to disclose personal family circumstances. And to top it off, all of this occurring to myself as an excpeted employee of the federal government not being paid during the shutdown. This is now causing me and my house a financial hardship during XXXX. I just want this resolved asap, this process has been ongoing on since XX/XX/XXXX because XXXX XXXX  refuses to honor the choice per their email and disclaimer that " if you do not board the plane/use the tickets that a full refund will be issue to the original form of paymen used ''.

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