vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
The account lists multiple XXXX late notations, yet no documentation or records have been provided showing an actual delinquency or missed payment. I have never received any notice or billing statement from XXXX XXXX showing that I was late, and Experian has refused to produce evidence verifying the accuracy of this negative information. 

I previously disputed this directly with Experian, citing that the account was not verified per FCRA 611 ( a ) and XXXX XXXX compliance standards, but received only a generic form response without proof of investigation. The FCRA requires that any disputed information must be verified as accurate and complete, and Experian has failed to do so. Reporting unverified derogatory data violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ), which require credit bureaus and furnishers to maintain maximum possible accuracy and delete or correct unverifiable data. 

Under XXXX XXXX reporting guidelines, the account status ( XXXX XXXX ) and payment history must be properly documented and supported by verifiable records. Experian has accepted and published unverifiable information without certification or proof of accuracy.

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 2025-10-17 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX Employer - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a promotional deferred-interest plan for a {$5000.00} XXXX  purchase on my XXXX Credit Card XXXX I paid down over 95 % of the balance before the promotion expired ( XX/XX/year> ), leaving about {$230.00} unpaid. Synchrony then charged {$2700.00} in deferred interest. 

The promotional disclosure stated : If you do not pay each plans remaining balance by the expiration date, any remaining plan balance and accrued interest ( if applicable ) will be added to your regular balance. This wording did not clearly disclose that interest would be retroactively applied to the entire {$5000.00} purchase balance from the original purchase date. 

I reasonably believed that interest would apply only to the remaining unpaid amount. I request that Synchrony review this case for a goodwill adjustment or partial interest reversal in light of my timely payments and the unclear disclosure. 

Please attach the attached correspondence and statement for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
According to 15 U.S. Code 1681g, please remove the disputed accounts in a timely fashion.

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 2025-10-17 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: GA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-17 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: UT

Complaint narrative:
I am a licensed mental health XXXX who was misled into enrolling in a program called XXXX XXXX XXXX ( XXXX ), which was financed through Covered Care.

The program promised customized marketing tools, personalized coaching, and measurable private-practice growth. During the sales process, I was told I would receive one-on-one business support, implementation guidance, and a client acquisition system that would directly lead to new referrals and income increases. 

After enrollment, I discovered the program was not individualized, provided only generic group sessions, and did not deliver the outcomes or materials described in the sales pitch. When I attempted to request cancellation or a refund, the company refused and directed me back to Covered Care to continue payments.

The loan carries a 24 % interest rate, which is extremely high, and the company used high-pressure sales tactics, limited-time offer expires today claims, and emotional appeals about professional success to push enrollment. 

This appears to be a predatory lending and deceptive marketing practice targeting licensed therapists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: LA

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 2025-10-17 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Bank holds the proceeds received from my insurance company for water damage to my home and will not release funds to pay construction progress payments unless I submit a specific form from the insurance company they require to support the amount of completed reconstruction. The form they demanded does not exist and will not be developed because the claim went through a formal arbitration process called Appraisal. The Appraisal set an agreed to final value for the cost to be reimbursed for reconstruction. The insurance company paid out the balance due which Wells Fargo now holds in escrow. Construction has started. I submitted a detailed construction contract 's scope of work itemizing the work to be performed by trade including the total amount of cash payments already made by each category. I also submitted the Appraisal 's final report itemizing the work to be performed summarized by major construction categories. Wells Fargo rejected the combination as insufficient to justify releasing funds and continued to demand the report that doesn't exist. The XXXX submissions I made can be easily used to support that the money paid to the contractor was used to reconstruct the damage to the property Wells Fargo holds the mortgage for. With this being their position, they are being unreasonable and will withhold the funds forever that I need causing me to incur damages for the contractor stopping work and late payment penalties.

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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: MI

Complaint narrative:
Upon obtaining loan everything was agreed to under the false contractual clarification of if I couldnt pay the loan or opted to allow the payments taken from my Bank account in the amount of ( {$41.00} ) that the ( {$41.00} ) would actually pay the loan off regardless and that I had nothing to worry about. Well after allowing them to take out the loan amount of ( {$300.00} ) they never ceased in closing the account and then continued to take illegal funds. Then they refused to resolve the loan and breached the contract that they say they offer to resolve situations like this and as they openly advertise. They got aggressive in every phone call and refused to allow resolution. I payed loan off after having to put ( 2 ) stop payments after clearly notifying them and my Credit Union as to why I had to on the account stopping the ( {$41.00} ) excessive charges after giving them nearly ( {$450.00} ) extra. They closed the account and said payed in full. They waited nearly ( 2wks ) then once I went to re-borrow decided to start illegally charging my account again. And refused to stop charging me until I payed the ransom of ( {$150.00} ) just now or else they were going to illegally continue to take my money after blatantly deceiving me about how the loan and deductions should go while we both verbally were clarifying the terms of the contract signed. I want my money back as the illegal loan interest was built over ( 2 ) ( {$41.00} ) payments that they continued to add interest on totaling ( {$150.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am vehemently contesting any information within my credit report that lacks authenticity or proper documentation, in strict adherence to the FCRA and the recognized Metro 2 data field reporting standard. The unsubstantiated allegations of delinquency and derogatoriness can not be accepted without concrete documentation, which is mandated by federal and state law for accurate reporting.

It is imperative that all claims within my credit report align with the Metro 2 reporting standard and are supported by physical, verifiable evidence to validate the account 's existence and its legitimate use for authorized purposes. Failing this, I demand the immediate removal of the contested account. I hereby authorize the physical mailing of documentation detailing your actions and any subsequent updates to my credit report JEFFCAPSYS - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: FL

Complaint narrative:
I never asked XXXX to send me any debt validation request continuing to collect a debt. I sent your company a refusal to pay and your company is still contacting me by email and phone. Following my initial cfpb complaint XXXX has continued to violate me by sending debt collection notices. 

XXXX has blatantly ignored my request to resolve this matter amicably. I will be proceeding to XXXX  court requesting a jury trial. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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 2025-10-17 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: FL

Complaint narrative:
I noticed that unauthorized inquiries are still appearing on my credit report today, and I have no explanation for why. Even after refreshing my browser, the unauthorized inquiries were not removed. I am extremely frustrated and insist that the documents I have sent be reviewed carefully so that I never have to deal with this worry again.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
This reporting appears inconsistent and misleading for the following reasons : XXXX. The account is reported as charged off, yet also states transferred to another lender. Once an account is transferred, the original creditor should no longer report it as a charge-off. 
XXXX. The balance shows {$0.00}, confirming no money is owed to XXXX. 
XXXX. The entry lacks payment history, making it impossible to validate the charge-off status. 
XXXX. The account dates appear recent and possibly incorrect, as it was reportedly opened and charged off within only a few months. 

Given these discrepancies, I request that you verify this accounts accuracy with the furnisher. If verification can not be fully substantiated with proper documentation, I demand that the account be removed entirely from my credit report as unverified or incorrect. 

Please complete your investigation within XXXX  days as required by law and provide written confirmation of the results. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I am requesting that these accounts be reviewed, and if they can not be properly verified, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
I am requesting validation of the alleged debt referenced by your company. Do not contact me by phone. All communication must be in writing. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), further phone calls will be considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had got an alert on my phone from my Chase app, saying that there was a hard inquiry from XXXX  XXXX made today without my consent or my knowledge at all and Im over here trying to dispute it before the situation gets worse to the point where I cant fix it so I just wan na make sure I dispute this for all companies and make sure I dont have surprises of any inquiries that I havent opened my knowledge so I would just like some help from you guys if you could send the proper documents so I can dispute this for the other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
Inaccurate accounts are reporting to my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation