vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-04-15 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: Army and Air Force Exchange Service
State: OK

Complaint narrative:
AAFES is the original creditor for my Military Star account, not a third-party debt collector. However, their collections department sent threatening correspondence that mimicked collection agency tactics, including references to Treasury Offset, garnishment, and credit reporting. They did not identify as a debt collector or provide FDCPA disclosures, yet they implied serious consequences if I didnt agree to a voluntary repayment plan. 

I signed that repayment agreement in XX/XX/year>, agreeing to pay the full balance. Since then, I have paid on time and in excess of the required monthly amount. XXXX not in defaultIm catching up per the terms. I am paying the original creditor directly. 

Despite this, AAFES reported the account to Experian as XXXX days delinquent. They omitted my repayment plan, did not show my consistent payments, and excluded all prior positive account history. I disputed this twice : First dispute : I explained the repayment agreement and asked them to show the account as paying as agreed they completely denied the dispute. 

Second dispute : I requested that they include the years of on-time history and acknowledge the repayment activity instead, they added 120+ days late without correcting or restoring any payment history. This feels retaliatory, not corrective.

Their reporting is materially misleading under FCRA 607 ( b ), and Experians continued verification without evidence violates FCRA 611 ( a ). The creditor threatened consequences to get me into a plan, then reported me as delinquent anyway and worse after I disputed.

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 2025-04-16 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:
HI, I AM TRYING TO FIX MY CREDIT REPORT BECAUSE THERE IS A COUPLE OF FAKE AND FRAUD ACCOUNTS ON MY FILE. I HAVE BEEN A VICTIM OF XXXX XXXX XXXX AND THERE ARE FRAUDULENT ACCOUNTS REPORTING ON MY FILE. PLEASE HELP ME REMOVE THOSE, I HAVE REPORTED THEM ALL TO YOU.

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 2025-04-15 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-15 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-16 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: Self Financial Inc.
State: TN

Complaint narrative:
Dear XXXXelf Financial/Lead Bank XXXX This letter is in reference to a late payment with the account number XXXX. Last year due to extreme financial hardship and XXXX XXXX, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing this complaint against Kia Motors Finance for reporting a 60-day delinquency on my credit report while an active dispute regarding unauthorized charges of {$3600.00} for lease turn in amounts was ongoing. This reporting has had a significant negative impact on my credit score and was made without resolution of the underlying issue. 

I have made multiple attempts to resolve this matter directly with Kia. In addition to my own phone calls, two attorneys letters ( dated XX/XX/XXXX and XX/XX/year> ) were sent on my behalf, and Kia has failed to respond to either of them. They have also ignored my direct outreach and made no effort to address or resolve the charges I am disputing. 

Despite the open and unresolved nature of this dispute, Kia reported the account as delinquent to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report an account as in dispute when a consumer is actively challenging its validity. 

I respectfully request that the Consumer Financial Protection Bureau investigate Kias conduct and require them to immediately remove or correct the negative reporting from my credit file until the dispute is fully resolved. I am prepared to submit supporting documentation including the attorney letters, a credit report showing the delinquency, and a record of my attempts to contact Kia.

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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX card with a promotional offer of XXXX bonus points after spending {$5000.00} within 3 months of account opening. I was approved on XX/XX/XXXX, which made XX/XX/XXXX the final day to meet the spending requirement. 

To meet this requirement, I took the following actions : On XX/XX/XXXX, I was charged a prepaid stay for {$2900.00} for a reservation at XXXX XXXX XXXX XXXX. This charge was paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, I booked a prepaid stay at XXXX XXXX in XXXX, with the confirmation clearly stating my card would be charged on XX/XX/XXXX. The total charge was XXXXXXXX XXXX, which posted as {$1700.00} USD on XX/XX/XXXX though it was delayed beyond my control and posted after the XX/XX/XXXX deadline. The rate details & cancellation policy section of the confirmation states " To ensure that you receive this special rate, we will charge your credit card a prepayment of XXXX XXXX  on Sunday, XX/XX/XXXX. If the date presented is a past date, the deposit will be due and processed upon confirmation. 

On XX/XX/XXXX, I booked another prepaid stay at the XXXX XXXX, with similar terms stating it would be charged on XX/XX/XXXX. The total charge was XXXX XXXX, which posted as {$370.00} USD on XX/XX/XXXX though it was delayed beyond my control and posted after the XX/XX/XXXX deadline. The rate details & cancellation policy section of the confirmation states " To ensure that you receive this special rate, we will charge your credit card a prepayment of XXXX EUR on Sunday, XX/XX/XXXX. If the date presented is a past date, the deposit will be due and processed upon confirmation. '' These XXXX transactions total {$5100.00}, exceeding the {$5000.00} spending requirement. I relied in good faith on Marriotts stated policy that charges would post on XX/XX/XXXX. Due to XXXX delay in processing, the charges were posted nearly a month latersomething entirely beyond my control. 

XXXX has denied awarding the XXXX bonus points, stating the charges posted too late. Ive explained the situation multiple times, but they have refused to reconsider. 

As a result, Ive suffered the following financial losses : Missed XXXX Bonus Points : XXXX XXXX points ~ $ XXXX {$810.00} Missed Chase Sapphire Portal Rewards : Had I used my Chase Sapphire XXXX XXXX XXXX portal, I would have earned XXXX points = ~ {$220.00} value XXXX XXXX Loss : Due to delays in posting the XXXX XXXX  I lost about {$70.00} USD from currency fluctuations. 

Total Estimated Losses : {$1100.00} These losses stem directly from Chases refusal to honor a promotion I fulfilled in both intent and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
Formal Complaint Regarding Mishandling of Escrow Funds and Property Tax Payments To Whom It May Concern, I am writing to formally lodge a complaint against United Wholesale Mortgage ( UWM ) regarding the mishandling of my escrow funds and the failure to fulfill the agreed-upon responsibility to pay my property taxes in a timely manner. 

As per the terms of my agreement with UWM, the company was responsible for paying my annual property taxes using the funds I contributed to my escrow account. Since the initiation of my loan, I have observed regular withdrawals from my escrow account specifically designated for property tax payments. Despite this, I recently discovered that UWM failed to make those tax payments as agreed upon. 

As a result of this negligence, my home was placed at risk of being auctioned due to delinquent taxes, and I incurred unnecessary penalty fees. This issue came to light only when UWM finally made a tax payment approximately three years after I moved into the propertywell past the appropriate deadlines. 

Each time I have attempted to reach out to UWM to resolve this matter amicably, I have encountered confusion and a lack of clarity from representatives. I have not been given any consistent or constructive information regarding the status of my account or the steps being taken to correct this serious error. 

More recently, I was informed that a reimbursement may be issued from the state for the taxes paid. However, due to UWM submitting duplicate payments from the escrow account, a negative balance was created, and I am now being charged for this deficitdespite the fact that the error was entirely caused by UWM 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX Reference Number XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-15 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: CBC Companies, Inc.
State: DC

Complaint narrative:
I have previously disputed with XXXXXXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
SOFI Loans withdrew an auto debit from my bank account for a loan that had already been paid off. When I requested this money be returned to me or applied to the new loans monthly payment for the following month, I was assured on XXXX separate phone calls that the money would be applied towards my next months payment. After waiting a total of a little over a month ( during which time period these XXXX phone calls were made ), I called again and they reported to me that what I had been assured of both did not happen AND the course of action that they did take ( applying the extra payment to the balance of the loan ) could not be reversed. These payments are approximately {$1500.00} each and I ( like many Americans ) certainly dont have this much money just laying around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
In response to my request for validation of debt for Midland credit management account number XXXX, XXXX sent me a letter dated XX/XX/XXXX. They stated in the letter that they purchased the account from XXXXXXXX XXXX on XX/XX/XXXX. Midland also provided a letter from XXXXXXXX XXXX which was addressed to me to prove ownership of the account ending XXXX. That letter stated that XXXX sold the account to Midland on XX/XX/XXXX. Midland Credit Management claim is inconsistent with the official documentation provided by XXXX XXXX and I am requesting the immediate removal of this erroneous account from my credit reports. Please see attached screen shot of the letter from Midland Credit Management and XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief