vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: PA

Complaint narrative:
To whom it may concern, I requested, and was granted, pandemic/hardship mortgage assistance beginning XXXX of XXXX and ending XXXX XXXX the time of the delayed payments, I received monthly automated calls from XXXX, reminding when the assistance would end, etcMy original request was due to the fact that my home mortgage was a 15 year mortgage so I was paying a lot moreAlthough I was still making both mortgage payments, I was struggling I ultimately refinanced my home in Florida and went back to a 30 yr mortgage lowering my payment ( XXXX of XXXX my home in Florida was severely damaged by XXXX XXXX XXXX I started making my regular monthly payments in XXXX of XXXX on my deceased sons property in XXXX. I received a notice from XXXX mortgage that my loan was in default and if the amount owed wasnt paid in 35 days, the home would be placed in foreclosureI was told by an associate by phone that as long as I made regular payments, that would not happenIt didnt make sense to me that a company would offer deferred payments then expect full payment at the end of the term!! 
On XX/XX/XXXX, tragically I lost my second child .. However I did inform a mortgage associate about my loss.I continued to make regular payments however, I was able to make three payments in XXXX and XXXX payments in XXXX also made XXXX payment, then when I called to make XXXX payment and was shocked to learn the house was in foreclosure!! No explanation, just call this lawyer. I was paying extra payments, showing good faith to catch up on the hardship assistance that was provided I have records dating back probably over 20 years that on time payments, above the amount due, were made monthly .. I have records that I have in good faith attempted to catch up on my delayed payments, from the so called assistance..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I submitted a dispute on Monday XX/XX/year> to XXXX due to the error they were reporting. They did not do a proper investigation and returned an answer today that item meets the requirements of the FCRA. However, I submitted a dispute to them, notifying them of the : In early 2025, a new federal rule went into effect that prohibits medical debt from being included on credit reports. This means that unpaid medical bills, including those sent to collections, will no longer negatively impact an individual 's credit score. The rule, finalized by the CFPB, also prevents lenders from using medical debt information when making credit decisions.

And they IGNORED THIS and continue to report anyway. I was of the understanding this is one of the reasons why XXXX was being audited because of this negligence of properly investigating a report. 

The account is XXXX XXXX XXXX : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 2025-07-10 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
To : [ XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance RE : Dispute of Inaccurate Late Payments Request for Correction Under Federal Law Accounts in Question : [ List All Affected Account Names and Numbers ] To Whom It May Concern : I am writing to formally dispute the reporting of late payments on the above-referenced account ( s ). After reviewing my credit report, I noticed multiple entries showing missed or late payments which are either inaccurate, misleading, or unverifiable. 

EXETER FINANCE/ EXETER OPENED Account Opened : XX/XX/XXXX Account Term : 76 months ( 6 years ) Monthly Payment : {$570.00} Highest Balance : {$21000.00} Disputed Late Payments XXXX : XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are legally obligated to provide only accurate information to the consumer reporting agencies. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

I am asserting that : 1. Payments were made on time, or 2. The reporting lacks sufficient verification or documentation, or 3. The payment delays may have been due to circumstances protected under the Fair Credit Reporting Act or Truth in Lending Act, including potential grace periods under 15 U.S. Code 1666b.

I hereby request : Immediate reinvestigation and correction of all inaccurately reported late payments.

That the payment history be updated to reflect Paid on Time or Never Late.

Documentation verifying the accuracy of each reported late payment, including billing statements, original agreements, and internal payment logs.

If these entries are found to be unverifiable or inaccurate, they must be corrected or removed in compliance with 15 U.S. Code 1681i.

Additionally, if the reporting was due to fraud or identity misuse ( as protected under 15 U.S. Code 1681c-2 [ FCRA 605B ] ), such information must be blocked from my credit file upon written request and supporting documentation.

This letter also serves as a formal Notice of Dispute and a Reservation of Rights under UCC 1-308, without prejudice.

Please respond to this dispute in writing within 30 days as required by law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office, and I may pursue further legal remedies including damages under 15 U.S. Code 1681n & 1681o. 


Respectfully XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, we were the victim of fraud. We received an alert on my computer that unless we called a phone number shown or it would be blocked. We called them and the person who answered the phone was very clever in appearing to representative of XXXX. They then took control of my computer. They alleged that their employee had made a mistake in showing an amount of the payment to be received was {$15000.00}. ( twice totaling $ XXXX ) we were to receive a refund of XXXX which was to be refunded {$150.00} They alleged they were going to be fired for this ( with a supervisor yelling in the background. that they were to be fired for this mistake. Our bank account showed two deposits from them in the amount of $ XXXX into our checking account. The statement we looked up online showed these as well as savings account balance which was slightly over $ XXXX. We were told that the only way to rectify this error and keep the employee terminated would be to refund the $ XXXX twice, minus the {$150.00} refund due from XXXX in cash. We did this under the belief that the amounts were deposited to our checking account. We reported it to the police department and the bank on XX/XX//XXXX  and then went to the bank to change the accounts. We were told that we would have 45 days to continue receiving our direct deposit by phone. When we went to the bank to change our accounts, they gave us a letter showing that we did not meet their standards, and they were terminating our account as of XX/XX//XXXX. We opened an account at a new bank and when we tried to change the direct deposit of our social security, social security stated that the change would not be changed until XX/XX//XXXX. This means that our social security checks for XXXX would be paid to the old bank account and then be returned to the social administration, and we would need to wait until social security reissued the money. This will present a significant challenge to pay our expenses in XXXX. We are both in our XXXX 's and made a very stupid decision. The bank made their decision to close the account for this reason. Please note that the only persons affected were us, the bank was not affected as we had the funds in our account. Please also note that we had never had an overdraft or anything else in our history with the bank since mid XXXX 's when we opened the account. The bank that made this decision was Umpqua Bank. We are only requesting a change to the termination date to allow our social security checks to be received timely. XXXX 's phone number is XXXX ( spoke to XXXX XXXX for corporate and the local branch ( XXXX WA ) is XXXX. Can you please -help us?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Ive had a credit card with Victoria Secret in the total amount of {$150.00}. Ive realized that I was being overcharged on a monthly basis so after my last payment, I called and asked them to close the account. A month later they sent me a bill of {$130.00} and Ive disputed the bill as I wasnt aware of that bill. Every month they keep increasing the balance and keeps sending me a bill. Tried many times to dispute this and they stopped sending me a bill and sent my information to collections. Collections keep calling and harassing me on a daily basis even though Ive informed them that Im not aware of this bill. They keep sending me threats and text messages about taking legal actions then resort to calling my spouses number and I never provided them with my spouses number. They kept calling and harassing him just the same. I then reached out to XXXX XXXX XXXX and requested the reason for such harassment, they told me theyre going to take legal actions against me for {$470.00} and Im not aware of such balance and also they went and did an investigation and collected information on my account hence the reason theyre now calling my spouses number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a company name AssetCare , LLC placed a collection on my credit report stating that I owe the amount of {$940.00}. I have never signed a contract or any other documents stating that I will pay the said amount for any services this company provides. According to the US federal code. This practice is illegal and has caused significant damage to my credit report, history and score 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-10 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: MI

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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