vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXXXXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose thousands of dollars in XXXX money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within XXXX ( XXXX ) business days You did neither. 
This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm I am demanding the following, effective IMMEDIATELY : 1. Permanent deletion of the reinserted account 2. A written explanation of why this account was reinserted without proper certification and without notice to me 3. Certified proof of compliance with FCRA 1681i ( a ) ( 5 ) ( B )

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Accounts are being reported, then you must produce legally valid, original documentation that confirms its accuracy and legitimacy. If theres No contract? No wet-ink signature? Therefore no verified debt? Please Remove immediately.

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 2025-06-18 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: CA

Complaint narrative:
This is a formal demand for immediate action. The inaccuracies on my credit report are unacceptable and violate the standard of maximum possible accuracy required by law. These errors are causing significant and ongoing harm to my personal and financial well-being. I am demanding a prompt and thorough re-investigation. Any information that can not be fully verified must be corrected or permanently removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint against my mortgage company regarding the mishandling and withholding of insurance funds following a house fire at my residence in XX/XX/year>. Despite receiving the full insurance payout of approximately {$98000.00}, the mortgage company has only released {$79000.00} to date. Of that amount, over {$40000.00} has already been paid to licensed contractors for work completed. 

The mortgage company has imposed unreasonable disbursement restrictions, claiming that 95 % of the repair work must be completed before they will release the remaining funds. This logic is flawed and obstructivehow can we possibly complete 95 % of the work if 95 % of the funds have not been released? We have followed all required steps, including providing contractor documentation, photo evidence, and passing multiple inspections.

Our temporary housing arrangement ends on XX/XX/XXXX, XXXXjust two days from the date of this complaint. If the mortgage company does not release the remaining funds, my family will be displaced and forced to live in our vehicle. This is not only a failure of policy, it is a direct threat to our health, safety, and financial stability. 

We believe this is a clear case of bad faith disbursement, deliberate delay, and systemic abuse of disaster relief protocols. This mortgage servicer is using the draw process not to assist homeowners, but to control and restrict access to funds we are fully entitled to. 

I am requesting that the CFPB intervene immediately to : - Reopen my original complaint - Demand a timeline and explanation from the mortgage company - Require immediate release of the remaining insurance proceeds- Review their escrow disbursement policies in light of disaster recovery laws and homeowner protection rights We are out of time, and this situation is urgent. Please assist in holding this company accountable so my family can return home.

Also, I have attached pictures that show the work being done. We just need to finish. 

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I used XXXX to send a payment from my Capital One debit card to an international vendor who agreed to create custom wedding dresses. The vendor sent incomplete progress photos of dresses that did not match what was agreed upon. I asked her to stop working and requested a refund. She refused and then stopped responding entirely. I never received the completed product. 

I submitted XXXX separate disputes to Capital One : My initial dispute was denied on XX/XX/year>. 
I submitted a reopened dispute with additional supporting documentation denied again on XX/XX/year>. 
I then spoke with a Capital One supervisor, who connected me to a XXXX who helped me file a third dispute, this time properly categorized as non-receipt of goods since the vendor went silent which was also denied on XX/XX/year>. 

Despite filing it under a new category with a clearer explanation of the situation, the third dispute was denied for the exact same reason as the first XXXX that the payment was processed as requested. This makes no sense to me, as the third dispute was framed differently, and included evidence that I never received the service I paid for. 

I also asked Capital One for documentation explaining how my dispute was reviewed and denied, including what evidence was used. I was told that the reasoning was already included in the denial emails I received, but those emails only gave vague explanations with no real details. Even after working with a supervisor to properly refile the dispute, it was still denied without proper justification. 

The total amount I paid for this service was {$2000.00}, which was sent through XXXX from my Capital One debit card. 

I provided extensive documentation, including screenshots of conversations, photos of what was sent versus what was promised, and proof of refund requests being ignored. Despite that, Capital One failed to address the core issue : this was a case of non-receipt of services and vendor misrepresentation. 

I am now requesting CFPB assistance to investigate this issue and help me recover the funds that were wrongfully withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All of my existing passwords to log into my Experian account have stopped working. I tried every single way to get back into my account to no avail. Then I decided to create a new password and when I tried to login with a new password, it gave an error sign. I tried calling Experian XXXX XXXX XXXX XXXX different numbers and not a single time they could direct me to a human representative that could fix this issue for me. The robot that was answering the call refused to listen to my issue and help me with it.

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 2025-06-18 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I Am a Member of XXXX for XXXX XXXX, and they Informed me it was there Mistake that they Sent {$730.00} to a Collection Agency that they thought i owed the XXXX XXXX of 2024, but would not Send me a XXXX mail to Correct this with the Angency to Remove from my Credit, this was Car Insurance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Riverview Law Office, PLLC
State: IL

Complaint narrative:
Ive had a medical bill that I have been paying for the last 3 years with river view law office I have paid XXXX  of the XXXX  dollar balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
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 explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I have XXXX XXXX  XXXX XXXX accounts that I have taken to court for and I need them removed off of my credit. I am in discovery with both accounts and they need to be removed off of my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I have XXXX XXXX  XXXX XXXX accounts that I have taken to court for and I need them removed off of my credit. I am in discovery with both accounts and they need to be removed off of my credit immediately.

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 2025-06-18 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: IN

Complaint narrative:
I have been a victim of identity theft. I have submitted disputes and these bureaus have failed to provide how the accounts were verified as accurate. I have requested the descriptions of investigation procedures. According to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines. 
Experian Transunion and Equifax have failed to do so. 
I have submitted documentation of fraud. Along with my Drivers License which has my correct address. Along with current utility bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Regional Management Corporation
State: TX

Complaint narrative:
I discovered that was opened in my name without my authorization. I did not apply for this account, and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief