vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
My account was close back in XXXX of 2023, recently I was in need of my past bank statement for accounting purpose. I reached out to WesBanco costumer service at XXXX I was then transfer to the department who handle the matter and spoke with a gentleman in the name of XXXX he provides me with his direct number XXXX in case I need something else and ask me what branch I would like to pick up the statements that cost will be {$25.00} per hour for research fees and {$5.00} per statement. I suggested the XXXX Maryland XXXX since I'm in that area every morning 3 days later I went to the branch in XXXX Maryland there were no statements at all I call him he assures me I will get in 3 days again nothing at the branch when I went back there the second time. I have reach out to him again this time he took my email saying I would get by the next business and he is waiving the fees due to the inconvenience unfortunately I have never received anything from him to this day. I have tried several to get in contact with me but the only thing I get is his voicemail it's been almost XXXX plus since my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LA

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 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 2025-10-24 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: ME

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

As more thanXX/XX/XXXX 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, XX/XX/XXXX, 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 2025-10-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \XXXX XXXX XXXX XXXX XXXX XXXX  (account # XXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am reporting a fraudulent account listed by Credit Systems Intl Inc for XXXX XXXX XXXX XXXX in the amount of {$740.00}. This account was opened on or around XX/XX/year>, and reported as a collection. 
I am a victim of identity theft, and I never opened, authorized, or received utility services from XXXX XXXX at any location. This account was opened without my consent or knowledge, and it is not associated with me in any way. I have disputed this account with the credit bureaus, and I continue to request verification of the debt. To date, no documentation bearing my signature or proof of service has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX Shellpoint Mortgage Servicing Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Notice of Error under 12 CFR 1024.35 Escrow Account Miscalculation Dear Shellpoint Mortgage Servicing, I am writing to formally notify you of an error in the servicing of my mortgage loan, pursuant to the Real Estate Settlement Procedures Act ( RESPA ), Regulation X, 12 CFR 1024.35.

Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, TX XXXX Description of the Error : Shellpoint has significantly increased my monthly mortgage payment due to an inflated escrow account balance. This increase appears to be based on property taxes that were paid our of our escrow account when the property taxes are deferred per agreement between the XXXX and the local tax assessor/collector. These taxes should not have been paid by Shellpoint or included in the escrow calculation, as they were not Shellpoints obligation and were not to be paid by Shellpoint. 
As a result, my monthly payment nearly doubled, causing undue financial strain and confusion. This miscalculation undermines the accuracy of my escrow analysis and violates the proper handling of escrow accounts under RESPA.

Requested Action : I request that Shellpoint : 1. Investigate and correct the escrow account calculation.

2. Remove the deferred tax payments that were paid directly from our escrow account by Shellpoint..

3. Recalculate my monthly payment based on accurate escrow needs.

4. Provide a written explanation of the findings and corrective actions taken.

Please acknowledge receipt of this Notice of Error and respond within the timeframe required by 12 CFR 1024.35. I appreciate your prompt attention to this matter. 
Sincerely, XXXX and 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been unable to obtain my consumer and rental reports from this company. I request full file disclosure under FCRA 609 ( a ). Please see attachments.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is very important to me. However, I continue to see inaccurate and false information reported under my name. This issue has been ongoing despite my repeated efforts to have it corrected. It has become extremely stressful and exhausting to deal with, and these persistent inaccuracies are unfairly damaging my credit standing and affecting my life.

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 2025-10-24 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: FL

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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 2025-10-24 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group
State: MI

Complaint narrative:
This debt is not owed. It arises from a disputed and time-barred claim by my former landlord, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relating to a security deposit. I rented from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and vacated the unit on XX/XX/year>, after providing proper notice. The landlord sent only a pending statement of deposit in XX/XX/year>, which was not a final bill and stated that charges were subject to change. I formally disputed the pending charges in writing on XX/XX/year>. 

The landlord did not provide a final itemized bill within the required 30 days after move-out, nor did they initiate court proceedings within the 45 day period as legally required under XXXX XXXX XXXX XXXX ( MCL XXXX ). Under this law, their failure to do so waives their right to retain or collect any portion of the security deposit. 

Despite this, on XX/XX/XXXX, XXXX than XXXX months after I vacatedthe landlord sent a final bill claiming over {$3000.00} and threatening to send it to collections. I immediately disputed it again in writing. On XX/XX/year>, I received a notice from Account XXXX XXXX XXXX, attempting to collect this same time-barred and disputed claim, which was mailed to my old address and forwarded to me via the U.S. Postal Service. 

This debt is legally invalid. I request that the CFPB ensure the collector withdraws this claim and confirms that no information will be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On a charge with XXXX for a very large amount, {$7600.00}, I was scammed. I was sold counterfeit golf clubs when I was promised real authentic XXXX golf clubs I intended to resell. The items were proven to be counterfeit through multiple methods including sharing serial numbers with XXXX support, and using a 3rd party reselling service which tested and rejected my items as counterfeit. Additionally, I returned all of the items back to the seller, but even though I have done this, I have yet to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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

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 2025-10-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, Hello, I am composing this complaint for the second time. I submitted a dispute to your company last month XX/XX/year>, in which I explicitly identified the fraudulent and questionable accounts. However, there are still accounts on my credit report that should not be there. I am experiencing stress and negative effects on my mental health due to the negligence of your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 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 2025-10-24 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX 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 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
When the government shutdown occurred the XXXX banks began attacking my accounts, oddly enough it was the banks whose accounts were linked and as a direct result of their actions I ended up in the hospital and my stay was prolonged making me incapable of assisting a relative who was also in the hospital at the same time and as a result of their inability to provide honest services my relative passed away. The complaint is in Reference to Marcus by Goldman Sachs XXXX Goldman Sachs Bank USA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NY

Complaint narrative:
I have contacted Ed Financial multiple times to get my account out of forbearance. Once it gets out, I try to set up autopay and it wont let me. Because of this or something I dont know about, the account goes back into forbearance and wont allow me to make payments to PSLF. This is delaying the process more and charging me interest, which is completely unfair. I cant continue like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
I am really frustrated that the inaccurate late payments continue to appear on my credit reports even after refreshing the browser. I want this resolved right away and I request that the documents I provided be reviewed properly so I can stop worrying about this over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccurate accounts are reporting to my credit file

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 2025-10-24 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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