vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SKYRIDGE LENDING LLC
State: CO

Complaint narrative:
I am filing this complaint against Skyridge Lending LLC and broker XXXX XXXX ( XXXX ID : XXXX ) for negligent and harmful conduct during a refinance process that began in XX/XX/XXXX for XXXX of my townhomes. I was told these loans would be closed by XX/XX/XXXX, and this expectation was repeated throughout XXXX. 

Instead, only two of the five loans closedfive months later in XX/XX/XXXX. The others were never completed due to long delays, lack of execution, and shifting responses. These delays directly caused financial hardship and reputational harm : Collections accounts appeared on my credit report for insurance policies written in coordination with the refinances. These policies were never paid because the closings never happened. Despite my agent 's efforts, they remain unresolved. 

I had to use credit lines to cover costs I was expecting to pay with refinance proceeds, leading to higher debt and interest.

My credit score was damaged, which is now hurting my ability to secure funding for new businesses. 

I missed multiple investment opportunities and had to withdraw from projects, hurting my business reputation. 

I endured stress and family hardship due to delayed access to capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: DISCOVER BANK
State: NY

Complaint narrative:
I made a purchase on XX/XX/year>XXXX  to XXXX, for {$150.00}. The wrong shipping address was put on the order. Immediately after the order was placed, I sent out an email regarding the shipping address and asking that it be changed so that it was sent to my actual address and i receive the item. 12 hours after the order was placed and i sent the email, they shipped out the item/created the shipping label. I sent out more emails in the upcoming hours after this and in the upcoming days. I have even contacted their social media page on XXXX. I have never gotten a reply to my inquiry on having the shipping changed in order for me to receive this item. The order was then delivered to the wrong address, so seeing that they wasnt going to respond, I filed a dispute on my Discover account on XX/XX/year>. I submitted screenshots of all my emails i sent, showing them that they are not responding to me whatsoever, showing them that this companys page says their response team responds within 24-48 hours, but clearly they dont feel the need to respond. It is now XX/XX/year> and my dispute has been resolved in THEIR favor, despite me clearly showing that i have sent out emails and asked them numerous times to change the shipping address because they are about to send it to the wrong place and i wont receive the item. Til this day i have gotten little to no response at all from this company, they still never replied to my emails and inquiry, I still dont have the item I rightfully purchased. I called Discover to try and continue the dispute but was told it could not be overturned because the company i purchased from ( XXXX ) had provided proof of delivery. I explained again and again the issue of them shipping it out to the wrong address and them not replying to a single email of mine. I expressed to Discover, that it doesnt make sense for the dispute to go in their favor and not mine, when I bought an item that i did not receive due to XXXX not replying to any of the countless emails i sent to try and make sure that they correct the shipping address so it gets to me. I dont see how thats fair to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX'I bought a XXXX  through XXXX XXXX over a decade ago. I disputed this debt when it was sold off to Midland and told the company to produce the original contract I signed with XXXX XXXX and that was not done.  midland credit refuses to produce the doc but lied too credit bureaus that the debt is current. I want this removed from all 3 bureaus.\n\nMIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-01 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
So I had some transactions that were on my account that I went ahead and file with the XXXX, which they indicated to me that I had to file these disputes with my bank and that therefore they were going to cooperate with my bank and accept the chargeback so I can receive my money I have sent screenshots and email correspondence to my bank indicating that the XXXX was supposed to be refunded back to me that XXXX indicated to them that they would approve the charge back. Ive been in contact with my bank every week to see if theres any updates. No updates are provided not even a regional credit on my account even though I have sent over correspondence indicating that the merchant would Approve the chargeback XXXX already refunded me on other charges but with a different bank not sure why they have not refunded me my XXXX with money network

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
Lotane & Associates is threatening to pay me the entire debt of {$2700.00} in 30 days or they'll triple the amount by {$10000.00}. This refers to XXXX XXXX, which has an outside agency to handle that debt, and to the driver, XXXX XXXX. I've been paying this for months, and I missed the month of XXXX. They're threatening me and won't even let me pay what I owed before and this XXXX. How is it possible that a debt of {$3500.00} that is now {$2700.00} is going to be {$10000.00}? It's unbelievable. That happened five years ago. They want me to pay now, and they're treating me like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me. I have repeatedly requested verification and documentation showing that I am the responsible party, including original signed agreements or contracts, but no such documents have ever been provided. 

Under the Fair Credit Reporting Act, the furnisher and credit bureaus are required to provide accurate and verifiable information. Continuing to report this account without providing supporting documentation is a violation of my rights under FCRA. 

I am requesting the complete deletion of this account from my credit report unless verifiable documentation, with my signature and legal responsibility, can be produced. Without that, the account should not be reported in my name.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has furnished inaccurate and inconsistent payment history data across all three major credit bureausExperian, TransUnion, and Equifaxin violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. I formally disputed the tradeline and requested : Full payment history Original loan agreement Verification under my rights pursuant to the FCRA and Fair Debt Collection Practices Act ( FDCPA ) XXXX failed to provide the required documents or correct the discrepancies, causing ongoing damage to my credit profile. 

Violated Laws and Codes : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed information within 30 days FCRA 1681s-2 ( a ) & ( b ) : Furnisher duties to report accurate info and investigate disputes FCRA 1681n & 1681o : Civil liability for willful/negligent noncompliance XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) : Reinforces the obligation of reasonable investigation XXXX actions reflect both willful and negligent violations of the law, warranting deletion of the tradeline if they can not substantiate the reported data with original documentation.

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 2025-08-01 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: CA

Complaint narrative:
XXXX XXXX XXXX has furnished inaccurate and inconsistent payment history data across all three major credit bureausExperian, TransUnion, and Equifaxin violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. I formally disputed the tradeline and requested : Full payment history Original loan agreement Verification under my rights pursuant to the FCRA and Fair Debt Collection Practices Act ( FDCPA ) XXXX failed to provide the required documents or correct the discrepancies, causing ongoing damage to my credit profile. 

Violated Laws and Codes : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed information within 30 days FCRA 1681s-2 ( a ) & ( b ) : Furnisher duties to report accurate info and investigate disputes FCRA 1681n & 1681o : Civil liability for willful/negligent noncompliance XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) : Reinforces the obligation of reasonable investigation XXXX actions reflect both willful and negligent violations of the law, warranting deletion of the tradeline if they can not substantiate the reported data with original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief