vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Saba Commercial Services Corp dba Saba & Associates
State: WA

Complaint narrative:
XXXX. XX/XX/year> XXXX XXXX performs appraisal on damaged vehicle. XXXX is accepted by XXXX XXXX. 
XXXX. XX/XX/XXXX, XXXX informs claimant of revised Actual Cash Value figures ( in claimant 's favor resulting in new money payment of {$1900.00} from XXXX. XXXX asks if claimant will be retaining vehicle or turning vehicle over to XXXX. 
XXXX. XX/XX/year> Claimant ( CFPB complaintant ) requests XXXX XXXX to send XXXX in order to assess keeping vehicle. At present, XXXX XX/XX/year>, neither XXXX XXXX or SABA & ASSOCIATES have sent complainant an appraisal report. 
XXXX. XX/XX/year> XXXX XXXX invoices their customer ( XXXX XXXX XXXX damages Claimant ) for Flat Fee described on invoice as Total Loss Settlement Fee Customer disputes {$1100.00} charge as a public adjuster fee not an appraisal fee. 
XXXX. XX/XX/year> complainant sends XXXX XXXX payment of {$990.00} for XXXX fee. And customer still does not receive a report from XXXX XXXX. 
XXXX. XX/XX/year> XXXX XXXX assigns Total Loss Settlement Fee Invoice to SABA & ASSOCIATES for collection of {$1100.00}. 
XXXX. XX/XX/year> XXXX reports to XXXX that account is paid in full and in dispute. Complainant asks XXXX to validate debt, send appraisal report, XXXX XXXX invoice, service contract and copy of check paid to XXXX XXXX in the amount of {$990.00}. 
XXXX. XX/XX/year> complainant submits payment of {$990.00} to SABA & ASSOCIATES. 
Complainant has attempted payment of appraisal fee twice at this point. 
XXXX. XX/XX/year> SABA & ASSOCIATES serves complaintant with lawsuit to collect {$1100.00} debt, court costs and attorney fees. 
XXXX. XX/XX/year> Complainant requests XXXX XXXX and SABA & ASSOCIATES to send complainant the appraisal report. 
XXXX. XX/XX/year> Complainant requests XXXX XXXX and SABA & ASSOCIATES to send the appraisal report. 
XXXX. To date, complainant has not received appraisal report. Complainant did receive {$1900.00} from XXXX in new money indicating that some influence was created by XXXX XXXX to revise Actual Cash Value. But appraisal customer never received the appraisal in time to make informed decision on retaining damaged vehicle. 

In summary this consumer believes the appraiser has deceitfully misrepresented charges and the debt collector has failed to provide proof of claim to any debt. There is no appraisal report.There is no Total Loss report. There's just XXXX individuals, harassing retirees with XXXX XXXX  scores, into paying a warrantless claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I have consistently maintained a strong credit history over the years, with no prior late payments until this recent and unexpected entry. I reviewed the reported account and confirmed that the payment in question was not delinquent.

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 2025-06-26 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: LEXISNEXIS
State: VA

Complaint narrative:
I ordered a Lexis Nexis report about a month ago and just reordered it last night. I just got denied credit due to their not having my address updated or correct, see attached. 

Also, they have a claim from XXXX  where I was driving on the interstate and a truck full of logs and branches had the straps break loose and at XXXX mph the large branches were hitting my car making a huge hazard on the road. 

I reported this to XXXX and sent them photos of the truck license plate my grand daughter was albe to take using my cell phone. It was a no fault of mine incident. That resulted in having the pain, scratches touched up which covered the car, but it was not fully repainted only touched up. 

When I was give exceedinlgy much higher car isurance rates a few years ago changing companies, I was told it was due to this claim on Lexis Nexis. 

And this company holds my data but will not let me go on line to see it????? I am extremely upset as now I know why I have repeatedly been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: VA

Complaint narrative:
XXXX and I have resolved the account balance. 

Equifax is refusing to update and remove the collections account after several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle didnt properly disclose information to users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-26 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the XXXX credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  : XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX 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 2025-06-26 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:
I was a victim of identity theft and did not open the fraudulent accounts that appeared on my credit reports. I submitted a police report and identity theft affidavit to all three credit bureaus and requested that the fraudulent accounts and inquiries be removed under the FCRA Section 605B.

I am asking that these items be permanently removed from my credit reports and blocked from reappearing. I also want to ensure that the credit bureaus update my credit file to reflect these removals correctly.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I'm purchasing a new home. My closing date is coming up and I transferred money from my XXXX account to my XXXX  XXXX XXXX account. 2 hours later I get an email stating to give them a call. I call them, they say they denied the transaction. The reason was although I can transfer my money anytime I want, the account is built for high returns ... whatever the heck that means. So, they blocked the transfer yet the money does not show up in my account and they are telling me I have to wait 1-3 business days to see it and then request another transfer. My closing is Monday. I needed the money back in my account by Friday. It's now Wednesday after hours. So, they make a mistake blocking my transfer, my money is now who knows where for the next 1-3 days and my closing is supposed to take place in 3 business days ( from tomorrow ), and it takes at least 1 business day to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Bank reporting and billing errors are actively damaging my credit profile. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to accurately report payments and credits. However, my accounts show multiple violations of this statute : payments I made were either misapplied or not recorded at all, and there are evident miscalculations in the reported balances. Furthermore, I was not provided the mandatory 21-day advance notice prior to a payment due daterendering any associated late payment marks invalid and unlawful. 
These reporting failures not only breach federal law but also unjustly impact my creditworthiness.

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 2025-06-26 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:
These accounts have been reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is completely unacceptable. They misrepresent my financial history and compromise the accuracy of my credit profile, which I take very seriously. The appearance of these unauthorized accounts is deeply concerning and demands immediate explanationspecifically, how they were reported and who is responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: IL

Complaint narrative:
Checkr has been reporting and sharing my personal informationincluding criminal records, driving records, and other background datawithout my consent and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act.

I never authorized Checkr to access or distribute my sensitive consumer information to third-party companies such as XXXX and XXXX, XXXX of which have received reports labeled Consider, damaging my employment opportunities. 

The report contains : A criminal conviction for Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX XXXX open warrant from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX vehicle violations and discretionary suspensions dated between XXXX and XXXX Under 15 U.S.C. 1681b, consumer reporting agencies may only provide consumer reports for specific permissible purposes and with the consumers knowledge and written consent, especially for employment. I have no recollection of giving direct consent to Checkr or these companies in recent years.

Under 15 U.S.C. 6802, Checkr is also prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing a clear opt-out mechanism, which was never made available to me.

I have contacted Checkr and formally demanded deletion of all information they hold on me. I am requesting that the CFPB require Checkr to : 1. Cease all further reporting or sharing of my consumer data 2. Remove my records entirely from their database 3. Provide written confirmation of deletion This unapproved disclosure has negatively affected my ability to obtain work and has violated my privacy and consumer rights. I am requesting immediate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Eviction record is showing up but it was discharged in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OK

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: MN

Complaint narrative:
Tried to initiate a second mortgage debt consolidation and lender made misleading statements about appraisals being required by state counties. See attached text from XXXX at new American funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-26 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: AZ

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation