vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE EMPLOYEES CREDIT UNION
State: TX

Complaint narrative:
I have been trying to change the name on my title to my current legal name. I have submitted several POAs and name change documents. I have also requested my ex-husband be removed from the title. He has submitted POAs and name change requests. We reached out to the XXXX and they sent us back to the bank. I am now being told that because I did not legally change my name in North Carolina, I remarried in Texas, that there is nothing they can do and that the XXXX will continue to deny my request to change the name on the title. I was never told this rule never even knew it existed. This phone call took place on XX/XX/2025 at XXXX. I have been fighting this battle for 3 years. I spoke with XXXX XXXX in XXXX and she was handling all the documents. I called today and she is now claiming she has no idea who I am and what i am talking about. I have been transferred from branch to branch from XXXX to XXXX and back and forth. No one is taking accountability or even remotely helping me at all. Just keep hitting walls. My vehicle will be paid off next month and there is nothing I can do apparently. This is utterly ridiculous. What can I do and how can someone help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. for continued violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 611 ( a ). 

Transworld is furnishing a collection account originally from XXXX XXXX with a balance of {$510.00}, but they are : Re-aging the account by reporting an inaccurate Date Opened of XX/XX/XXXX, even though the Date of First Delinquency ( DOFD ) is listed as XX/XX/XXXX. 
Updating the account as recently as XX/XX/XXXX with no consumer activity, creating the false impression of a fresh delinquency. This is deceptive and materially misleading. 
Reporting a Balance Date and Status Date of XX/XX/XXXX on Equifax, further giving the impression that the account is current or recently delinquent when it is in fact years old. 
Failing to correct or respond to a formal FCRA XXXX Direct Dispute that I mailed with evidence over XXXX business days ago, which included documentation of these inaccuracies. 
Previously responded to CFPB Complaint # XXXX, but did not correct the reporting. Instead, they updated the tradeline again, doubling down on re-aging and misleading data. 

This account is causing significant harm to my credit profile. I am currently receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I rely on accurate credit reporting to access essential services and affordable credit. Transworlds behavior is especially damaging and abusive under these circumstances.

I have exhausted my rights under 611 and 623 of the FCRA. Since Transworld has not corrected the violations after formal disputes and a prior CFPB complaint, I am now preparing to initiate binding arbitration under Transworlds contractual terms and applicable law. 

I am requesting the immediate and permanent deletion of this tradeline from all credit reporting agencies ( XXXX XXXX XXXX  ), as this account is being inaccurately furnished and re-aged in violation of federal law. I am also requesting that this matter be escalated within the CFPB due to repeat behavior and harm to a medically XXXX consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: UT

Complaint narrative:
I had a lease with XXXX XXXX XXXX and I intended to purchase the vehicle at the end of the lease. I extended the lease multiple times while finalizing my plans. Occasionally I would be unable to make payments online and would call them on the phone to make payments and they always accepted it over the phone. On XX/XX/XXXX and XXXX of XXXX I called to make a payment and the representative was unable to process it. XXXX advised to pay off the remaining balance and then emailed me the required documents, which I then completed and sent via mail attached with a cashiers check. Fast forward to XXXX they contact me stating I am late on a payment of {$55.00} and I then call them and am able to pay that off. During this call, the rep originally told me there was no prior record of the cashiers check I had sent in XXXX, upon further checking he verified that the cashiers check had gone through. Although a repossession order had already been placed and he said he would attempt to cancel that. The lates that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were not my fault as I made those payments on time and contacted XXXX the entire time throughout this process, This was an error on XXXX 's part and I demand these lates be removed as they are harming my credit significantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I had a lease with XXXX XXXX XXXX and I intended to purchase the vehicle at the end of the lease. I extended the lease multiple times while finalizing my plans. Occasionally I would be unable to make payments online and would call them on the phone to make payments and they always accepted it over the phone. On XX/XX/XXXX and XXXX of XXXX I called to make a payment and the representative was unable to process it. XXXX advised to pay off the remaining balance and then emailed me the required documents, which I then completed and sent via mail attached with a cashiers check. Fast forward to XXXX they contact me stating I am late on a payment of {$55.00} and I then call them and am able to pay that off. During this call, the rep originally told me there was no prior record of the cashiers check I had sent in XXXX, upon further checking he verified that the cashiers check had gone through. Although a repossession order had already been placed and he said he would attempt to cancel that. The lates that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were not my fault as I made those payments on time and contacted XXXX the entire time throughout this process, This was an error on XXXX 's part and I demand these lates be removed as they are harming my credit significantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 2025-05-09 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:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my report like I normally do, but unexpected errors appeared. I refreshed the page thinking it might be a temporary issue, but the inaccurate information remained. Given this problem, I kindly request a detailed review of the documents I provided to help put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
b'Wells Fargo placed me in a forbearance plan in XXXX XXXX XXXX XXXX XXXX XXXX, then forced me into a permanent modification in XXXX XXXX without ever verifying my incomea violation of CFPB rules.\n\n    My original payment: XXXX\n\n    After forbearance: XXXX (with escrow)\n\n    New modification: XXXX (unaffordable on my current income)\n\nI submitted a formal dispute via fax (confirmation attached) and certified mail (tracking XXXX XXXX XXXX XXXX XXXX XXXX) on XXXX, but Wells Fargo ignored it. I demand proof of income review and a reversal of this illegal modification'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I purchased car on XX/XX/XXXX | originally owed {$11000.00} l did a voluntary repossession and the car was sold by the finance company plus monthly payments I made. This account was charged off XX/XX/XXXX with {$5400.00} debt owed that I could not afford to pay due to being unemployed. 
This collection agency is reporting incorrect information to the credit bureaus stating this account was opened XX/XX/XXXX which is was not this account was charged off by the auto finance company on XX/XX/XXXX. The collection agency is fraudulently increasing my balance due every month based of my interest rate My balanced is now {$9300.00} due to the collection agency increasing which is having a highly negative impact on my credit. Which is keeping me from being approved for auto loans, credit applications etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX XXXX @ XXXX I called Best Buy customer service because the day before I was at a store trying to get a TV with my store credit card and I found out that my credit was only {$360.00} and that my balance was {$2900.00}. I was very surprise because I always pay on time and way more than my minimum payment. On the XXXX of XXXX I spoke to XXXX. She explained that on XX/XX/XXXX I had to pay the promotional balance of {$760.00} in full to avoid paying the deferred interest charge which ended up being {$2600.00}. I explained that I was very surprised about the change because I never got a call, a email or a written notification about the end of my promotion. I requested a total or partial reduction of the interest and I explained that I always pay on time and more of my minimum payment and that since XX/XX/XXXX I had payed {$200.00} in XXXX, {$200.00} in XXXX, {$200.00} in XXXX, {$200.00} XXXX for a total of {$800.00}. The issue was not paying the {$760.00} promotional balance. The issue is that I was no made aware of it. She said that it was on the statement. Which is in very small letters and between XXXX promotions. The promotions of XXXX month financing on store wide are in big letters and yellow but the info of the my promotional balance expiration is in small letters and in between the XXXX promotions. An email, call, text would of been of help too. She said that there was nothing she can do because the XXXX days for dispute had past. I ask to speak to a supervisor after explaining everything again she said there is nothing we can do. The next day I called again spoke to XXXX @ XXXX on XX/XX/XXXX he said that the XXXX days to dispute charges ware over. He spoke to a supervisor and returned with no solution but ask me to compromise to pay. I said to him that I was calling for a solution and he was not giving me one. He then transferred me to the XXXX XXXX XXXX with XXXX. She was confused when I explained that I was looking for a solution to my situation ( I explained everything to XXXX XXXX and I was not getting help but that XXXX ask me to transfer me to her like if it was a solution. She was surprised and got XXXX which is a XXXX XXXXXXXX on the line. I explained the situation and ask XXXX for a total or partial reduction of interest. Like I did to everyone I spoke before. And I got the same response I got before. The XXXX days of dispute are over. No one gave me a solution. I do not want my credit to be affected by this situation because I always payed on time and way more than my minimum payment and I am now being charged additional interest on the account. I expect some type of solution. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXXy XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX ; XXXX ; XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Hunter Warfield Dear CFPB Complaint Division, I am writing to formally file a complaint against Hunter Warfield XXXX XXXX XXXX XXXX their handling of an alleged debt associated with account number XXXX. Their actions have negatively impacted my credit report and financial standing, and I believe they have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, my concerns include the following : Failure to Provide Debt Validation : Despite my request for verification, Hunter Warfield has failed to provide proper documentation proving the legitimacy of this debt between myself and their agency ( Hunter Warfield ). 
Inaccurate Credit Reporting : The company has reported incorrect information to credit bureaus, which is damaging my credit profile. 
Harassment and Continued Collection Efforts : Despite my formal request for them to cease collection activities, they continue to contact me unlawfully. In their emails, they state they have my permission to contact me via email ; I have never given them permission to contact me. Furthermore, I have never verbally spoken with this company. 
According to 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As previously stated, I have never spoken with this organization nor have I had any business with them. 
Furthermore, I was XXXX to another country from XX/XX/XXXX until XX/XX/XXXX and never received a notification of this dept to allow me to dispute it within the 30 days allowed under 15 U.S.C 1692c. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure Hunter Warfield complies with federal regulations. Additionally, I ask that my credit report be corrected to reflect accurate and fair information. 
Thank you for reviewing my complaint. I appreciate your assistance in resolving this matter and ensuring fair treatment for consumers like me. Please inform me of any next steps or further information required. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: DC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief