vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC report, a copy of the XXXX report showing my information being exposed in a national data breach and a debt of validation letter.

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Request for Removal of Late Payments Account # XXXX Dear Aidvantage, I am writing regarding my student loan account referenced above. Upon reviewing my credit report, I noticed that late payments were reported for XXXX to XXXX of 2025. I respectfully request a goodwill adjustment to remove these late payment notations from my credit history. 
At the time, I did not receive notice of the payment due. Had I been properly notified, I would have immediately made the required payment to keep my account current. As soon as I became aware of the issue, I took action to bring the account up to date, and I have since remained current on all future payments. 
I greatly value my relationship with XXXX and appreciate the support provided throughout my repayment journey. I take my financial obligations seriously, and this situation was not a reflection of my commitment to repayment. I kindly ask that you review my history of timely payments and consider removing the late marks as an act of goodwill. 
Thank you for your time and understanding. I sincerely appreciate your consideration of this request, as it will help me maintain a positive credit standing while continuing to responsibly manage my student loan

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 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
Hi, I moved to an apartment ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XX/XX/year>, by paying a month rent and a deposit {$3300.00} ( Please find the attached copy ). 

I had to move out of the apartment on XX/XX/year> due to job change. I had filled the move-out form, and the pre-inspection was done on XX/XX/year>, and no repairs was reported back then ( Please find the attached copy ). I did not collect my deposit either ( Please find the attached copy ). 

I handed over the keys to leasing office on on XX/XX/year> between XXXXXXXX XXXX. I was informed that, " there is no payment pending as of now, we will get back to you via email in case if you owe anything in 1 month ''. 

I did not get any email from apartment, I had guarantor in my application, he did not get any communication either, I have the photo showing that the apartment was in mint condition when I handed over the keys. 

After 2 years, I got a call and mail from collection agency that I owe {$7500.00} for repairs. I requested for a breakdown couple of months ago, I did not get the breakdown instead it was reported to XXXX, my credit score went down more then XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a complaint regarding an account reported by XXXX XXXX that is showing delinquent or late payment statuses despite being paid and in good standing. 

Installment Loan | Acct # : XXXX | Balance : {$2100.00} ( original {$2200.00} ) This account has also been identified in my FTC Identity Theft Report ( # XXXX ) and police report. I am a victim of identity theft, and this account may have been opened or altered fraudulently.

My formal disputes to the credit bureaus have not resolved the issue, and the negative reporting is unjustly harming my credit score and business funding efforts. I am requesting that the CFPB investigate and assist in having the account corrected or removed in accordance with FCRA 611, 623, 605B, and 609.

All supporting documents have been uploaded with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint regarding an account reported by XXXX XXXX that is showing delinquent or late payment statuses despite being paid and in good standing. 

Installment Loan | Acct # : XXXX | Balance : {$2100.00} ( original {$2200.00} ) This account has also been identified in my FTC Identity Theft Report ( # XXXX ) and police report. I am a victim of identity theft, and this account may have been opened or altered fraudulently.

My formal disputes to the credit bureaus have not resolved the issue, and the negative reporting is unjustly harming my credit score and business funding efforts. I am requesting that the CFPB investigate and assist in having the account corrected or removed in accordance with FCRA 611, 623, 605B, and 609.

All supporting documents have been uploaded with this complaint.

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 2025-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my mortgage loan servicing with NewRez ( also known as Shellpoint/XXXX  ). My mortgage account has been mishandled multiple times, resulting in repeated errors, escrow mismanagement, and improper payment increases. 
Most recently, I discovered that my home owners insurance had not been paid for which resulted in no coverage for a year, even though escrow funds were collected for that purpose and I received email confirmation saying the payment was made. The company tried to give me insurance and I had to call to set back up my previous home insurance plan. This was the servicers error, not mine. 

In addition to the insurance issue, there have been repeated problems with how my property taxes are handled. My escrow payment due keeps raising which the lack of payment in insurance should have kept it down. The servicer has made errors in the amounts collected and paid out of escrow, which has contributed to ongoing miscalculations. Because of these combined mistakes, my monthly mortgage payment has been repeatedly increased, most recently by more than {$100.00} per month. These increases are not the result of my actions but of the servicers failure to manage escrow properly. 
I have requested explanations from the servicer, but I have not received a clear or accurate escrow analysis that justifies these increases. I believe my escrow account has been mishandled in violation of RESPA. This situation has caused me financial hardship and stress, as I am being charged higher payments due to the servicers own errors. Additionally, the company keeps sending me a XXXX check. I have already cashed the check but received it several other times and received a call from the company notifying me they are going to send it out again and I need to cash it. 

My escrow going up XXXX times for taxes when my state does tax analysis once yearly ( my taxes went down ), the repetitious sending of the same check, the year without homeowners insurance, and the most recent payment increase lead me to believe my loan is completely mishandled. 

I am requesting a full and accurate escrow history and analysis for the past XXXX years, a correction of any errors in my escrow account, removal of any payment increases that resulted from the servicers mistakes in failing to pay my insurance and mishandling my property tax payments, and written confirmation that this will be handled properly from the company going forward.

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 2025-09-13 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: CL Holdings LLC
State: FL

Complaint narrative:
A collection account from Jefferson Capital Systems was added to my XXXX credit report in XX/XX/year> with a balance of {$5900.00}. This account does not belong to me. I have no knowledge of this debt and never had any account with Jefferson Capital or the original creditor. 
I already disputed this account with XXXX, but it is still being reported. I am requesting that Jefferson Capital provide proper validation of this debt. If they can not provide proof, this inaccurate account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The reported late payments are not accurate. I made my payments on time, and the information being reported does not match my records. The company has not provided proof that these late payments occurred. This reporting is misleading and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I am disputing a Cherry Financing installment loan arranged through XXXX XXXX XXXX. for XXXX  services that were never performed. 

In XXXX of XXXX, I began seeking XXXX  services to have my XXXX  restored after years of neglect I had significant XXXX  loss and wanted a full XXXX XXXX XXXX XXXX XXXX XXXX I had my initial consult with XXXX XXXX. 
XX/XX/XXXX : Intial Consultation XX/XX/XXXX : XXXX XXXX  and XXXX  plan was given that included XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX Applied for Cherry financing in the amount of $ XXXX and payment was made of {$410.00} XX/XX/XXXX XXXX  consult After XXXX  consult at XXXX, I did not continue any further XXXX  with XXXX XXXX and called to cancel all services. I decided that the XXXX  plan XXXX XXXX gave me would not work for me and the plan was way too expensive with too many repeated visits. I did not want XXXX from the begining, I was only there for a consult to see what their plan would cost and to see if I would be approved for financing. However, after my XXXX  consultation I canceled all services. XXXX XXXX claims they already began making the XXXX  and XXXX XXXX. There is no record of XXXX  invoices just billing sheets that were part of my XXXX  plan. 

XX/XX/XXXX : Text conversation confirming I canceled services XX/XX/XXXX : Dispute was submitted to Cherry to cancel plan and issue refund XX/XX/XXXX : billed {$410.00} XX/XX/XXXX : Cherry responded and denied my request stating they were able to verify that full services have been rendered and met a reasonable standard of care. Thus unable to issue a refund or cancel plan. 

As of XXXX XXXX, No work has been performed on my XXXX  by XXXX XXXX. XXXX XXXX is billing me for services that were never performed. XXXX XXXX reached out offering me XXXX $ to continue services and contrinues to send me emails and texts trying to get me to make an appt. 

I would also like to state for the record that the consent form they provided in a printed pdf file was presented on a small touch screen during the process of applying for Cherry financing. I was under the impression everything I was signing was purely to see if I would be approved and for how much. 

I followed Cherrys dispute process. Cherry initially paused payments, but on XX/XX/year>, they denied my refund request and stated that full services were rendered. This statement is false. No XXXX  work was executed on my XXXX  other than a XXXX  and a consult. 

I am requesting that Cherry : -Cancel this invalid debt in full. 
-Refund the payments already withdrawn from my account. 
-Confirm that no adverse credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've been having a reoccurring charge on my PayPal credit card for {$4.00}. It doesn't show in the transactions part of my bill.

I've called PayPal twice about the charge. They can't find who the payee is, because it's not show as a product, service, or subscription.

PayPal gave me the number for their resolution center, XXXX, I called the number and got a VERY human sounding bot that wanted to sell me a medical altert pendent. I never got through to the resolution center. The option to talk to a representative want an option given. 
I called PayPal back and was left on hold for over 30 minutes.

I've called PayPal before about this charge, and got nowhere.

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