vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am filing a formal complaint to dispute and demand the immediate deletion of the inaccurate and fraudulent information appearing on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct and update information that is incomplete or inaccurate, and 605B 15 U.S.C. 1681c-2, which requires credit reporting agencies to block information resulting from identity theft upon receipt of a proper identity theft reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-12 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: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
Summary : My bank, Current Bank or XXXX XXXX has refused to properly investigate unauthorized transactions on my account, despite my timely dispute under the Electronic Fund Transfer Act ( Regulation E ). They also obstructed my ability to follow up on the dispute. 

Details : On XXXX XXXX I discovered unauthorized transactions on my account Amount ( s ) : {$730.00} {$60.00} {$3.00} {$15.00} Merchant ( s ) : [ Name ( s ) as shown on statement ] XXXX XXXX XXXX XXXX XXXX XXXX I reported the transactions to the bank immediately via appand was assigned dispute case number. The bank denied my claim without a full investigation and has refused to provisionally credit my account as required by 15 U.S.C. 1693 and 12 C.F.R. Part 1005.

I have provided new supporting evidence and sent a formal written dispute to their Dispute Resolution Department, but the bank continues to deny or delay review. 

On XXXX XXXX at XXXX, I called the bank to follow up on my dispute. The representative refused to give their name or employee ID, refused to escalate the call to a supervisor, and then disconnected the call. This conduct obstructs my ability to resolve the dispute in good faith.

Violations : Failure to provisionally credit my account within 10 business days.

Failure to properly investigate in good faith.

Refusal to re-investigate upon receipt of new evidence. 

Refusal to identify representatives handling my dispute and premature call disconnection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
XXXX XXXX XXXX. Account number XXXX. {$120.00}. Dispute Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am exercising my right to dispute inaccurate or unverifiable information. I am requesting the removal of the following account from my report.

This account is being reported inaccurately. I have not been provided with verifiable proof that this debt exists or that it is being reported accurately. Under the FCRA, you are required to conduct a reasonable investigation within 30 days. If you can not verify the account with competent evidence, you must delete it from my credit file. 

Furthermore, I am invoking the principle from Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719 under the doctrine of estoppel by silence, your failure to provide proof is taken as evidence that no such debt exists. Therefore, continued reporting of this account would be a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
XXXX XXXX XXXX. Account number XXXX. {$120.00}. Dispute Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am exercising my right to dispute inaccurate or unverifiable information. I am requesting the removal of the following account from my report.

This account is being reported inaccurately. I have not been provided with verifiable proof that this debt exists or that it is being reported accurately. Under the FCRA, you are required to conduct a reasonable investigation within 30 days. If you can not verify the account with competent evidence, you must delete it from my credit file. 

Furthermore, I am invoking the principle from Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719 under the doctrine of estoppel by silence, your failure to provide proof is taken as evidence that no such debt exists. Therefore, continued reporting of this account would be a violation of federal 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 2025-08-13 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: TX

Complaint narrative:
I contacted XXXX XXXX due to someone using my credit card for fraudulent transactions. 
I was never informed they would report a new account number to my credit not only did they report a new account number they reported a new balance after already reporting my ending statement balances. When I contacted them to correct my balance to what my ending statement balances were they stated they would initiate a case to correct it back to the original statement balances that the only thing that should have been updated was my new credit card account number. Instead they reported AGAIN my current balance that increased a week later. They submitted three different balances to all credit bureaus within a three week span causing my credit score to drop XXXX points. Balances only should be reported once each cycle. I requested after being bounced around and no help to be transferred to their presidents office to file a complaint at which point no one would take my complaint. I would like each call to be reviewed and determined why XXXX XXXXXXXX reported two credit cards three times in one cycle I would like my credit score to be adjusted to where it was and a contact call from their presidents office or I will be getting any attorney.

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 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I reached out to the company via phone and spoke with a representative on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I paid Sequium Asset Solutions {$1400.00} to bring the account current and close it out. I was informed that I would receive a notice via email in XXXX hours and have not received any documentation to verify the account has been terminated so that they can relinquish any wage garnishment from my employer moving forward and remove any and all XXXX XXXX  from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I contacted the company on the following dates to request documentation to verify the debt has been paid in full and a termination request be sent to my current employer to stop the wage garnishments in addition to stop reporting any and all trade lines on my credit reports : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> The company that acquired the debt CBE Group has failed several times to provide documentation verifying that the debt has been paid in full and has not sent the termination notice to stop the wage garnishment to my current employer. Every time I call and speak with a representative they have a bad attitude and give me the run around by not completing the request. My employer contacted me 2 days ago and stated the company was supposed to fax and/or email the termination notice but it was never received!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-08-12 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
My account was set up to receive XXXX payouts and when the amounts reached around {$520.00} I needed to transfer the XXXX money to a different bank account. The transfer was to start the first of XXXX. ( I do have a print out of my account and payouts and the dates which I can get ). Still after today I have not seen the transaction completed, and they are trying to find my money and now they are saying my account is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
XXXX of XXXX we asked United Wholesale Mortgage if we could skip a payment. They told us yes and to turn auto pay off so the money doesn't withdrawal. We thought with that skipped payment it would be added onto the end of the loan. It was not! They wanted us to pay everything up front in XX/XX/XXXX. I didn't turn autopay back on because we are on a fixed income. I am a XXXX and a XXXX XXXX XXXX XXXX veteran husband. I made monthly payments of {$2500.00} every month since then. 

Just over two maybe three months ago we found out that our mortgage was sent to some sister company called united wholesale mortgage administration. UWMA kept calling and harassing us about getting the payment current. I told them we need help with payment options and they said they would send a packet of options that would work for me. Packet never came! Trying to reach anyone there is damn near impossible. 

Please, please, please look into this. I have found many, many bad reviews on XXXX. This company is XXXX  people over by making them late on their payments. Many people complained about their payment system not working and then later people find out that they are behind on their mortgage because of their system. Tomorrow I plan on calling them again asking them what can they do to help me out. The answer I know I am gon na get is, " You are XXXX out of luck! ". This company needs to be shutdown!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-12 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 do not recognize these inquiries or the creditors involved. Kindly delete them from my credit history at once.

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 2025-08-13 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. 
I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
XXXX XXXX. The company pulls my credit report without authorization on XX/XX/year> this inquiry does not attach to an account and will never attach to an account, therefore i am asking XXXX XXXX for a clear and convincing evidence that I XXXX XXXX entered their physical location on XX/XX/year> and asked for a loan. if XXXX failed to provide physical evidence please remove the inquiry 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 2025-08-13 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: 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 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