vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CT

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 2025-12-22 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:
Dear Sir/Madam, I am writing to formally dispute certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. Below are the accounts I am disputing : Inquiries THE XXXXXXXX XXXX  Date : XX/XX/year> Late Payments 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a vehicle from a licensed dealer in XX/XX/year>, with a total loan amount of {$52000.00}, financed through the lender. 

After the purchase, I did not receive registration or title documents. On XX/XX/year>, I contacted the DMV and was informed that the dealer had never submitted a sales report or title transfer, and that there was no record of this vehicle transaction in the DMV system. 

I then contacted the lender, who confirmed that they also had not received the vehicle title. The lender stated that they had already contacted the dealer on XX/XX/year> regarding the missing title, but the dealer did not respond. 

Despite knowing that the title had not been delivered and that the transaction was incomplete, the lender has continued to require monthly payments and has refused to place the loan on administrative hold. 

Due to the dealers failure to deliver title and complete registration within the required timeframe, I formally notified both parties that I was rescinding the purchase. The dealer has not provided a substantive response, and the lender has declined to suspend the loan while this dispute remains unresolved. 

I am concerned that I am being required to continue paying on a vehicle loan of {$52000.00} when the underlying transaction was never properly completed and title was never transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
Equifax has once again dropped my score by almost XXXX points and have no explanation for the decrease in score. They did this a few months ago in XXXX of 2025. They dropped my score by XXXX points and when I called requesting an explanation, they did not have XXXX to give me. The representative told me back then that they could not see a reason for the score drop as there was no new activity and told me to file a complaint because there is nothing they can do. Nothing was corrected. Here we are 5 months later and the same thing happened another XXXX points decrease in credit score with NO Explanation. I have no collections, no public records, no new inquires, No late payments, no new delinquent accounts, No change to my account balances, nothing that would trigger a XXXX points drop in my score. I called and again the representative has no information to give except something about my mortgage account that I do not have as you can see in the attachment. I told the representative that I have no mortgage account as I do not own a home. Additionally, I told the representative that a mortgage account does not show up in none of the other reporting bureaus ONLY EQUIFAX. The representative again says that's what they see, and offered no resolve leaving me to file a complaint again. This can not be right. Equifax should not be allowed to XXXX with people 's lives. I know they have been sued a few times however that made no difference as they continue with their unethical practices. Please investigate this company they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX continued billing and credit reporting of an auto insurance charge that I did not authorize and did not need, which has resulted in ongoing financial harm. 

I was married in XXXX and immediately after my marriage, my husband added me to all of his policies, including auto insurance, banking, and medical coverage. From that point forward, I had continuous auto insurance coverage under my husbands policy, with no lapse at any time. 

Despite this, XXXX XXXX failed to properly terminate or cancel my separate auto insurance policy. Instead of closing the account after non-payment and confirming that I was already insured elsewhere, XXXX XXXX continued to charge me and is now claiming that it paid for auto insurance coverage in XXXX XXXX that I did not authorize, did not request, and did not need because I was already insured under my husbands policy. 

XXXX XXXX is now asserting that I owe {$630.00} for this alleged coverage. This charge was sent to a collection agency and reported to the credit bureaus, which has caused damage to my credit profile and financial standing. 

I have made numerous attempts to resolve this matter directly. I provided the collection agency with verification of my valid auto insurance coverage, which they received, confirming that I was insured elsewhere during the alleged coverage period. I have also had multiple phone conversations with XXXX XXXX, explaining the situation and requesting correction and removal. 

Despite receiving proof and being made fully aware of the error, XXXX XXXX has failed to correct or withdraw the charge, and the account continues to appear on my credit reports with all three credit bureaus. This ongoing failure to act has caused continued financial harm and has interfered with my broader financial portfolio. 

I am requesting that the CFPB require XXXX XXXX to : Immediately remove the {$630.00} charge Recall the account from collections Correct and delete any negative credit reporting associated with this error Confirm in writing that the matter has been resolved This complaint is being filed due to XXXX XXXX failure to correct a documented billing error after verification, resulting in unnecessary and avoidable damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX i had a conference call with my mortgage broker to my mortgage company for an over charging on my escrow they are charging me {$600.00} a month. My taxes are {$3200.00} and XXXX. Is {$1400.00} not the {$7200.00} they are charging me. I should them proof of taxes i paid in full. And from the county that i was the only person that paid taxes. Which they took out and said they paid on XX/XX/XXXX there is no record. The county has receipt that i was the one that paid when i closed on my refinancing on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX, I am writing to formally dispute certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. Below are the accounts I am disputing : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments 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 2025-12-22 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ 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 2025-12-22 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc.
State: SC

Complaint narrative:
I opened an account with the Revolut banking app because I needed to pay an international company in the XXXX called XXXX to transport my IVF specimens to my clinic in the XXXX. XXXX told me using their bank is the easiest way to send payment. So I opened an account, transferred money into the Revolut account from one of my bank accounts. I ended up using my regular bank with XXXX XXXX to send an ACH payment, so all I have been trying to do is send the money back to my regular bank account, then close the account with Revolut. They put a " temporary restriction '' on my account since XXXX. So it has been over XXXX months and they are holding my money XXXX which has caused so many problems. I need my money, like everyone else for medical bills and other matters. This has caused so much financial and emotional stress and it is not right. I have always been willing to provide any documentation necessary but have not been asked. I have contacted customer service over XXXX times and they respond with the same canned response " unfortunately we can't provide any details '' so I am in the dark, not knowing what's going on, or when there will be resolution. I have filed a formal complaint last week, 7 days ago, and the automated response said I will hear back in a few days and if it would be longer, I would be told. But I have not heard back. It is not right to treat people like this. They are holding my money, over $ XXXX XXXX. If they choose not to have me as a customer, fine, I just want to transfer my money out and close my account. In all my 41 years of life I have never had a problem with a bank, or with a company treating me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

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 2025-12-22 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: CO

Complaint narrative:
I am writing to dispute several items that I believe to be incorrect or incomplete on my credit report. These items are inaccurate, and I request that they be thoroughly investigated and removed or corrected as necessary. Below is a breakdown of the accounts in dispute, separated by bureau : Charged Off 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

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 2025-12-22 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: CO

Complaint narrative:
I am writing to dispute several items that I believe to be incorrect or incomplete on my credit report. These items are inaccurate, and I request that they be thoroughly investigated and removed or corrected as necessary. Below is a breakdown of the accounts in dispute, separated by bureau : Charged Off 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

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Im filing a complaint regarding XXXX XXXX XXXX handling of my consumer report. I disputed XXXX XXXX  accounts reported on my Early Warning Services file. As a result of a prior dispute, XXXX XXXX account was determined to be unverifiable and was removed. 

I later learned that XXXX reported multiple accounts, and only XXXX was addressed during the investigation, while other XXXX accounts remained visible to lenders. I was informed that the remaining accounts were not included in the original dispute, resulting in partial and incomplete remediation. 

Continued reporting of additional XXXX accounts after a prior determination of unverifiable information is misleading and inaccurate, and reflects a problem with the companys investigation into an existing issue. I have attempted to resolve this directly with Early Warning Services, but received inconsistent explanations and no confirmation that all disputed XXXX accounts were fully investigated or suppressed from lender view. I have spoke to weird agents who are from maybe out of the country and don't generally understand what's happening as it is; ironic. 

I am requesting full suppression or deletion of all XXXX XXXX  entries from my Early Warning Services consumer report, and confirmation that inaccurate or unverifiable information is no longer visible to banks or credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding the servicing of my XXXX loan. 

My regular monthly payment is approximately {$6300.00}. In XXXX, I contacted Selene XXXX  to make my payment and was advised that XXXX over the phone was not available. I intended to send a wire but did not complete it, resulting in a missed XXXX payment. At the end of XXXX, my wife gave birth, which disrupted my normal routine. During this time, I did not receive written notice stating that my loan was in default or that default interest had been triggered. 

In early XXXX, I realized I had missed the XXXX and XXXX payments and contacted Selene XXXX  to cure the account by paying the XXXX payments plus late fees. I was told for the first time that the amount required to cure was approximately {$51000.00} due to default interest and that my payment would not be accepted unless I paid that amount. 

I emailed customer service and called repeatedly explaining that I believe I am entitled to written notice and a XXXX cure period under my loan documents. Selene refused to address this. Despite this, I acted in good faith and sent a wire payment under protest yesterday for {$13000.00}, representing the XXXX payments plus late fees. Selene acknowledged receipt but is holding the funds as unapplied while continuing to escalate charges. I am requesting the XXXX assistance to prevent further penalties and potential foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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