vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: OK

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 2025-06-13 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:
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 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 2025-06-13 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Trust Financial LLC
State: ID

Complaint narrative:
I contacted Trust Financial about the account they started reporting after I made XXXX payments on the account. I had previously set up a payment arrangement and was confused by the sudden reporting while I was still following the terms of my agreement. The person I spoke to ( XXXX ) was extremely rude and disrespectful. She refused to tell me my rights and only got annoyed that I requested information regarding my rights and their policy. When I asked her my rights she refused to inform me of them and told me to look them up myself. After I asked repeatedly for my rights or where to find my rights posted online. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclays offers an " XXXX XXXX '' option to pay specific charges off over time at a reduced interest rate from their standard interest on purchases. Basically, in practice, XXXX XXXX charges are converted to a personal loan. When it comes time to pay your bill, if you want to avoid interest on new purchases, you have to pay the amount of your purchases plus the scheduled payment for each of your XXXX XXXX items. The problem is, nothing on the statement indicates the amount you need to pay to avoid interest on standard purchases, so the consumer is left to try and make those calulations on their own. 

Example : You have an {$8000.00} XXXX XXXX balance, of which {$1500.00} is the required payment plus interest ( let 's say {$50.00} ). 
You also make {$5000.00} in purchases. 
To avoid standard interest rates ( which are around 25 % ), you have to pay the {$5000.00} in new purchases, plus {$1500.00} XXXX XXXX payment, plus the {$50.00} XXXX XXXX interest. 
The credit card statement ONLY states, to avoid interest, you have to pay the balance in full, which is {$13000.00}. There is no separation of the XXXX XXXX payment. 

As you can see, the calculation to figure out what to pay to avoid interest, other than XXXX XXXX interest, is confusing and easy to mis-calculate. 

I believe this is intentional, knowing many consumers won't accurately calculate the payment, and then get charged insane interest rates. Unfortunately, that's what happened to me. I have many years of history paying my balance in full every month. When I tried Barclay 's XXXX XXXX for several large purchases, then tried to calculate my payment to avoide the 25 % interest rate, I made a mistake. 

Confused, I asked for an explanation. They pointed out the payment amount I should have paid. When I explained the difficulty of making a correct calculation and asked for a refund of the interest charges, they refused. 

Upon this refusal, I paid off my entire balance in full to avoid any further interest charges.

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 monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: NC

Complaint narrative:
The leave repeated voice mails from Prince Parker & Associates. When I call the XXXX number in the XXXX, it goes directly to XXXX. Its the same with the XXXX or XXXX Its a scam. They don't say why they are calling.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Sunbit, Inc.
State: WI

Complaint narrative:
I have overpaid my sunbit credit card by {$15.00}. As a result the credit card has a negative balance. Sunbit refuses to refund the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Despite my original written communication and multiple follow-up phone calls, Experian has continued to ignore my dispute and failed to provide any meaningful response. Instead of addressing my concerns, they initially sent correspondence falsely claiming I did not properly identify myselfthis is completely untrue, as I provided all necessary personal information and documentation to verify my identity.

Experian has not provided any factual evidence to confirm the validity of the disputed accounts. Specifically, they continue to report the inaccurate and unauthorized account " XXXX XXXX XXXX  '' on my credit report. This has been ongoing since XX/XX/year>, with previous complaints filed. Information deleted and then reinstated by Experian inaccurately. 

Additionally, Experian, Equifax and TransUnion are reporting a derogatory account from " XXXX XXXX, '' which I have also disputed as inaccurate and not belonging to me. 

Experian, Equifax and TransUnion has not conducted a reasonable reinvestigation as required by law. They have not independently verified the disputed information, nor have they taken the necessary steps to ensure that inaccurate or damaging information is removed from my credit report. Their ongoing inaction and failure to respond violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am extremely frustrated and concerned that Experian, Equifax and TransUnion continued negligence is causing ongoing harm to my credit and financial well-being. I am requesting immediate intervention by the CFPB to ensure they fulfill their legal obligations and remove these false and derogatory accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my original written communication and multiple follow-up phone calls, Experian has continued to ignore my dispute and failed to provide any meaningful response. Instead of addressing my concerns, they initially sent correspondence falsely claiming I did not properly identify myselfthis is completely untrue, as I provided all necessary personal information and documentation to verify my identity.

Experian has not provided any factual evidence to confirm the validity of the disputed accounts. Specifically, they continue to report the inaccurate and unauthorized account " XXXX XXXX XXXX  '' on my credit report. This has been ongoing since XX/XX/year>, with previous complaints filed. Information deleted and then reinstated by Experian inaccurately. 

Additionally, Experian, Equifax and TransUnion are reporting a derogatory account from " XXXX XXXX, '' which I have also disputed as inaccurate and not belonging to me. 

Experian, Equifax and TransUnion has not conducted a reasonable reinvestigation as required by law. They have not independently verified the disputed information, nor have they taken the necessary steps to ensure that inaccurate or damaging information is removed from my credit report. Their ongoing inaction and failure to respond violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am extremely frustrated and concerned that Experian, Equifax and TransUnion continued negligence is causing ongoing harm to my credit and financial well-being. I am requesting immediate intervention by the CFPB to ensure they fulfill their legal obligations and remove these false and derogatory accounts from my credit file.

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 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Escrow Account Error at Closing Resulted in $ XXXX Shortage and Sudden Monthly Payment Increase We purchased our home in XX/XX/2024 and financed it through United Wholesale Mortgage ( UWM ). At the time of closing, property taxes and homeowners insurance were supposed to be included in our escrow and monthly mortgage payment. These figures were available and documented in our closing disclosures.

However, UWM grossly underestimated our escrow needs collecting only {$680.00} for taxes and {$3000.00} for insurance, even though the actual tax and insurance bills totaled {$4000.00} and {$4900.00}, respectively. As a result, we were just informed of an escrow shortage exceeding {$8500.00} and a monthly mortgage payment increase of over {$870.00}.

Ive spoken with UWM and confirmed that there were no increases in taxes or insurance since closing. The drastic shortage is purely the result of an incorrect escrow setup on their part, which they attribute to estimated numbers being used. But the difference is so significant, it suggests either : -- A failure to use the actual figures provided at closing, or -- An internal clerical or system error in calculating the initial escrow account UWM has provided no explanation or accountability for how this error occurred. Their response simply restates the new payment amount and offers no relief, despite the financial hardship it creates. 

We would not have agreed to this loan structure had we been given accurate monthly payment projections. The original escrow numbers were not slightly off, they were thousands of dollars wrong, and now we are being unfairly held responsible for a miscalculation we did not cause. 

I am requesting a formal investigation into UWMs escrow setup process and how this error was allowed to happen. I am also asking for assistance in holding UWM accountable and seeking a resolution that does not place the financial burden of this mistake solely on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> 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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$120.00}

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 2025-06-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I completed a feedback request on XXXX uploading payment history data for loan payments made from XXXX to XXXX stating that these payments were not included in my payment record on the student loan database. This information was forwarded to my current loan servicer, which as the current servicer of all my loans should have this data already. I requested that the student loan database be updated for these payments by my loan servicer. The servicer claimed that I needed to contact the prior loan servicer to do this. After spending XXXX months plus calling every loan servicer that was servicing my loans through various consolidations I was informed that it was the current loan servicer 's responsibility to update the database for payment history. In this last week I contacted my current loan servicer again about this and all they responded was that I needed to contact my prior servicer for loan payment history. I am being passed around in a big circle-jerk. XXXX farms out complaints and requests for updates to the current servicer, who takes no responsibility and tries to pass it on to prior servicers, none of them hold the loans anymore and state the current servicer is responsible and here I sit getting nowhere and missing XXXX  years of payments in my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
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 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 response to consumer: Closed with non-monetary relief