vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: CA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Supreme Lending
State: MI

Complaint narrative:
back in 2021 i did a refi and the covid money that was moved to the end of the loan aka mortgage, was supposed to be paid off in the refi process, but never was so now the federal government is garnishing my wages to the tune of {$1000.00} a month till they get {$14000.00}. garnishment has just started so now im forced to refi my other property to cover the {$14000.00}, and now my interest rate goes up 2 % for the next 15 years this should have never happend to me, someone is repsonsable for this mistake, i feel im due damages for the 2 % interest for the next 15 years and mental stress of loseing everything via garnishment. Is their anyway to hold someone accountable for their actions? when i tried to investigate i was given people to contact that didnt exist so i gave up trying. Supreme lending is the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a Platinum Savings account with Wells Fargo and met all the requirements to receive a {$520.00} savings bonus. Subsequently, I added a separate promotional interest rate of 4 % to the account. While I have been receiving the 4 % interest rate, I have not received the {$520.00} bonus. 

When I inquired about the missing bonus, the bank informed me that the 4 % promotional rate code " overrode '' the {$520.00} bonus code, and that I could not receive both offers on the same account. However, this limitation is not stated in the terms of either offer. I was never advised that adding the 4 % promotional rate would forfeit my eligibility for the {$520.00} bonus. In fact, the terms of the 4 % offer only state that if I already had a promotional rate, then the new promotional code would override the previous promotional rate codenot a cash bonus code. 

According to a banker I spoke with, the bonus codes and promotional rate codes are entered in separate systems, and there is no clear policy stating they are mutually exclusive. These are two separate offers : one is a cash bonus for opening and funding a Platinum Savings account, and the other is a separate interest rate promotion that was added after the account was opened. I met all the eligibility requirements for both offers, including not having a Wells Fargo savings account or having received a related bonus or promotional rate in the previous 12 months.

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 2025-05-21 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: TN

Complaint narrative:
A couple of months ago upon checking my bank statement I realized that they had not debited my account for the month of XXXX XXXX even though all my payments since the inception of the account which is over 10 years has been registered and continuously paid through auto-pay. I then called and made a payment and the representative informed me that from the subsequent months the payment will resume on autopay as scheduled and they have no idea as to why my auto-pay was dropped and then re-initiated the following month. 

Again in XXXX of XXXX I realized that they had not deduced my account for the month of XX/XX/XXXX on auto pay. I then called and spoke to XXXX XXXX XXXX the customer service supervisor and she was able to update the autopay process and take the payment to bring the account up to date. I also explained to her that I am in process of obtaining a construction loan for my main residency and the lender is questioning the reason for this XXXX time late payment. She advised me to write a letter of explanation for the permanent removal of the XXXX time late payment for the month in question. I sent that letter which part of it I am copying here XXXX months ago to no avail. 

I told them that since the inception of the account I have been on an auto pay and have never been late. I then requested the removal of the XXXX erroneous report immediately and permanently.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I've never received a notification to pay off this debt from the collection agency. I only received notification of the debt being applied to my credit report. I don't know where the debt is from, and I don't know why I never got the chance to pay the debt off before it appeared on my credit report. I'm being asked to pay {$3700.00} from Midland Credit Management for a debt I was never informed of. It was opened on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
On XX/XX/scrub> 2025, I disputed XXXX XXXX XXXXXXXX XXXX accounts on my Experian report due to inaccurate reportingspecifically the open date and several incorrect reporting dates. By XX/XX/XXXX, less then one day later, Experian marked the dispute as resolved with no changes and provided no documentation verifying the accuracy. And that it will remain on my credit report Both XXXX  and XXXX have already removed these accounts, yet Experian continues to report it inaccurately without offering proper validation. Im concerned that Experians reinvestigation was not thorough or compliant with FCRA requirements.

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 2025-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Palmar, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the following inaccurate information that appears on my XXXX  credit report. I am requesting that this collection account be investigated and removed from my credit file, as I believe it to be inaccurate, outdated, unverifiable or paid off. 
Account Name/Collection Agency : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX  Reported Balance : NA This item is negatively affecting my credit score, and I respectfully request that XXXX  conduct a prompt investigation of this matter in accordance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, please delete it from my credit file. I have also attached a copy of my government-issued ID and a utility bill as proof of identity and residence. 
Please complete the investigation within the 30-day time frame as required by the FCRA, and notify me in writing of the outcome.

Thank you for your time and attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
According to FCRA section 605b it is illegal to report anything on my credit report without my permission Please remove this negative item Thank 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 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: OH

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 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 2025-05-21 00:00:00
Product: Mortgage — Manufactured home loan
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: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I am late by only 1month of my mortgage payment and Vanderbuilt keeps calling asking for a payment very rudely I should add too. " XXXX '' is her name! I try to explain to her why I'm late and she tells me that she can't see why I'm late because I have enough money to cover the payment.she has no idea what my expenses are in life.VERY UNPROFESSIONAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXXK # XXXX XX/XX/XXXX -- {$2200.00} XXXX UNAUTHORIZED INQUIRIES : XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXXExperianXXXXTransUnionN XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXTransUnionXXXXTransUnionXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXEquifaxXXXXTransUnionXXXXTransUnionXXXXEquifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: FL

Complaint narrative:
I am filing a complaint against Checkr , Inc. for failing to correct inaccurate information in my background report. Despite submitting a dispute on XXXX, the erroneous information remains uncorrected, leading to significant financial and emotional distress. I request that the CFPB investigate this matter and ensure that Checkr complies with FCRA requirements since the 30 day period is clearly unacceptable in my case, since my employer requires the problem to be resolved within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv funding llc fail to provide complete debt validation more than 30 days ago. Fail to cease and desist communication, fail to update all three credit bureau as consumer disputed for both credit one accounts in the amount of XXXX and XXXX.i demmand this collection agency remove both account from all 3 bureaus. Collection agency fail to provide their license to collect a debt in NY state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Not a complaint, just a question regarding PMI. I have PMI on my existing loan and I want to remove it. I'm hoping to clarify the PMI Cancellation Act specifics as I'm not sure my lender and I have the same understanding. Question - can I remove PMI if my current mortgage balance is : 80 % LTV - of original property value or current market value?

Below 78 % LTV - of original property value or current market value And do I need to have the property reassessed for either of these scenarios or can the PMI be removed once I reach the LTV % I want to pay down my balance to one of the LTV %, but because of the current Florida real estate market, the current value may be less than the original property value. 

Thanks, 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 2025-05-21 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
* * Subject : * * Illegal Credit Reporting & FDCPA Violations ( Volvo/XXXX  ) * * Complaint Details : * * 1. * * Volvo 's Fraud * * : - Charged off my account on XX/XX/year> * * while litigation was pending * * ( XXXX ). 
- Violated FDCPA ( XX/XX/year> collection call during lawsuit ). 
- Attached : Court filings proving fraud.

2. * * XXXX  's FCRA Violations * * : - Reporting Volvos fraudulent charge-off despite pending court ruling.

- Refused to investigate disputes ( FCRA 1681i ).

* * Demand : * * - Delete all Volvo tradelines immediately. 
- Compensate {$9900.00} for credit damage. 
- Provide written confirmation of corrections. 

* * Attachments : * * - XXXX XXXX Proposed Default Judgment - FDCPA Call Log - XXXX  Credit Report Showing Error

Company response to consumer: Closed with explanation