vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX loan This joint auto account is being reported as charged off with an unpaid balance of {$10000.00}. I dispute the balance amount, the way the charge-off is being reported, and the dates of delinquency. The reporting does not accurately reflect my payment history, the timing of the default, and/or any amounts that have already been paid or recovered. My dispute to the bureaus did not result in a meaningful change or a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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.

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 2025-11-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
Re : Formal Qualified Written Request for Mortgage Loan Account number XXXX and any accounts known and unknown related to this above Account number or Mortgage Attached is a formal Qualified Written Request for XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had manually scheduled a payment a few days prior to the due date for XX/XX/year>. I made a full payment for my XXXX XXXX XXXX Mastercard on the due date. The system still processed an automatic payment on the same date, resulting in a duplicate withdrawal. 
I reached out to customer service online, and they confirmed the error and provided case ID XXXX, but said the only refund option is a mailed check, which is unreasonable for a system-caused electronic withdrawal. 
I subsequently called customer service on XX/XX/year> and spoke with XXXX, a customer service XXXX, who reiterated that the refund could only be sent by check and may take XXXX weeks. She also stated the duplicate amount would be credited to my account in the meantime, which could create a new balance due on XX/XX/year> before the refund arrives. 
This is an unfair and impractical resolution since the duplicate withdrawal was caused by Synchronys system, not customer error. The same way they withdraw funds electronically, they should be able to issue refunds electronically. I am requesting that the refund be issued to my payment source without delay and that Synchrony review and correct its refund policy for system-caused duplicate withdrawals. This delay is creating cash flow issues and represents an unfair practice that allows the bank to hold consumers funds.

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 2025-11-11 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: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-11 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-11 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: SC

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 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 2025-11-11 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: NJ

Complaint narrative:
Dear Sir/Madam, I am disputing the following items on my TransUnion credit report. The information provided is either incomplete or contains errors, and I would appreciate your assistance in investigating these accounts for accuracy and correction. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX Account Status : Late Payment Balance : {$0.00} XXXX  XXXX Account Number : XXXX Account Status : Late Payment Balance : [ Insert Balance ] XXXX  XXXX XXXX Account Number : XXXX Account Status : Late Payment Balance : [ Insert Balance ] XXXX Account Number : XXXX Account Status : Late Payment Balance : [ Insert Balance ]

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Columbia Debt Recovery Genesis through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Columbia Debt Recovery Genesis receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : XXXX. ) The Date of First Delinquency ; XXXX. ) The date the account was charged off ; and XXXX. ) The date the account was acquired by or assigned to Columbia Debt Recovery Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
In XXXX, United Wholesale Mortgage ( UWM ) failed to remit my homeowners insurance renewal payment from my escrow account. Because of this, my policy with XXXX XXXX XXXX XXXX was terminated effective XX/XX/XXXX. 

The insurers official letter clearly states : Your Home Insurance policy was terminated due to renewal not accepted, meaning we did not obtain a payment for renewal from yourself or the XXXX XXXX XXXX XXXX XXXX 

This confirms that the termination was caused by UWMs or its servicing agents failure to make the required payment. However, UWM continues to deny responsibility and claims the lapse was unrelated to any missed payment. 

Despite multiple XXXX  complaints since XXXX, UWM has repeatedly refused to refund the {$310.00} they wrongfully deducted from my escrow account to cover the gap they themselves created. Each time, they claim they can not provide a refund, yet also fail to provide any documentation proving that the insurer declined renewal for any reason other than nonpayment. 

I have repeatedly requested that UWM produce the alleged letter or notice from the insurer, but they have never provided it. I have attached the insurers letter as evidence that this explanation is false. 

UWMs mishandling of my escrow account caused an unnecessary lapse in coverage, financial loss, and years of delay without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My car was repossessed almost XXXX XXXX XXXX. The car was only worth about XXXX. I had a car note of XXXX which I payed for over XXXX XXXX. At that rate that is XXXX the car was in great condition so of it was to get sold at auction my balance should be far less than XXXX. They never provided details on how much car was sold for or anything. Just came up with some random number which is literally way more than I should owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
I am writing to formally dispute certain accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts in dispute, organized by credit bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Inquiries : Experian ( XXXX ) : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Experian ( XXXX ) : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX/XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number : 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 2025-11-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I rented a car through XXXX with debit card. The rental was {$310.00} per week. On XX/XX/XXXX I authorized XXXX in person to take {$310.00} for the rental week XXXX. On XX/XX/XXXX I called and authorized XXXX to renew record and to take a payment of {$310.00} for the week of XXXX. On XX/XX/XXXX I called and authorized XXXX to renew rental record for {$310.00} for the week XXXX. On XX/XX/XXXX I called and authorized XXXX to take a payment of {$310.00} for the week of XXXX. However on XX/XX/XXXX when the payment posted. XXXX had taken {$930.00} from account instead of the {$310.00} that was authorized via phone call each time. I saw the {$310.00} pend and post on my end from the weeks of XX/XX/XXXX XXXX. But when I went to file a claim and get funds back there was no record of XXXX taking payment on XX/XX/XXXX, XXXX and XXXX of {$310.00} only showing record that {$930.00} was taken from account on XX/XX/XXXX. I have since then opened numerous claims with screen shots from bank account but no help from Chase, and XXXX customer service representatives have told me that they dont have phone records or rental records after 6 months and no records. I can not prove on my end that I didnt authorize that amount without having the records and transcripts from XXXX that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NM

Complaint narrative:
I am writing to formally dispute the following information on my TransUnion credit report, which I obtained on XX/XX/year>. I believe that some of the items listed are inaccurate or outdated and require immediate attention. 
1. Delinquent Accounts : Account number : XXXX XXXX XXXX o This account is listed as delinquent, but I believe this is inaccurate. I kindly request that you verify this entry and provide supporting documentation or remove it if incorrect. 
2. Derogatory Accounts : Account number : XXXX XXXX XXXX ( 2 instances ) o The account is marked as derogatory. I request that you review the account and provide evidence of the negative mark or remove it if there are no valid grounds. 
3. Collection Accounts : Account number : XXXX XXXX XXXX  o This account is listed as being in collections. Please verify the accuracy of this information and remove it if it does not belong to me or if it is outdated. 
4. High Credit Utilization : Account number : XXXX XXXX XXXX o The report indicates that I am utilizing 102 % of my credit limit. This high utilization is not indicative of my typical usage. Please update the status and reflect any changes if possible.

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