vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed a cashier 's check to United Wholesale Mortgage. It was mailed to their address on file that I have previously emailed checks to with no issues. On XX/XX/XXXX the check was verified as cleared. The following week ( XXXX ) I noticed the payment was not applied ( they typically apply within XXXX days of clearing ). When I called they stated it had not been received. I verified the address I shipped to, was never told it was incorrect. I waited a few more days. 

Called on XX/XX/XXXX as it was still not posted to the account. Was told to get a proof of the check payment from my bank and to fax it to their research dept. Which I did on XXXX.. 

I did not hear anything back after this.. 

Every time I called I sat on hold for XXXX minutes just to talk to someone and had to re-explain my issue. 

I then called on XX/XX/XXXX and was told to fax it again to the research team. So I did, twice. 

Did not hear anything. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX .. was told the research department was looking into it. On XX/XX/XXXX I sent yet a third fax as they said they still did not have anything in my file. 

But the call on XX/XX/XXXX, the rep tells me " we got your info, and the research department stated your check was cashed by XXXX XXXX '' then he proceeds to tell me they changed their payment address to a XXXX XXXX XXXX All my research shows XXXX services their payments. Which is who cashed it and sent to XXXX XXXX, apparently. XXXX is stamped on back. They gentleman says he is with XXXX ( as I called the payment center with United Wholesale this time ). And the next step is to submit a message on the portal. 

I do as told, not happy as it took then XXXX weeks to tell me this. 

XX/XX/XXXX - I get a message back stating to contact XXXX XXXX cause the check was cashed by them and there is nothing XXXX can do. 

This is unfair. I sent to their service provider, who if was no longer the provider, should not have cashed the check. Since they are still their provider according to the XXXX site, then they should be able to help. 

I am at a loss on how to recover this {$3000.00}. Next step I have filed a fraudulent endorsement claim with my bank whom provided the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-21 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: SC

Complaint narrative:
I am following up on my previous complaint regarding inaccurate information and unauthorized inquiries on my credit report. My report still lists an incorrect address ( XXXX XXXX, XXXX, SC XXXX ) which I have never used or resided at. Additionally, the following inquiries were made without my consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inaccuracies and unauthorized inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) requires that a consumer report may only be furnished for a permissible purpose. 
607 ( b ) mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
609 ( a ) ( 1 ) entitles me to full disclosure of information in my credit file to verify accuracy. 
611 ( a ) allows me to request reinvestigation and correction of incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
I am following up on my previous complaint regarding inaccurate information and unauthorized inquiries on my credit report. My report still lists an incorrect address ( XXXX XXXX, XXXX, SC XXXX ) which I have never used or resided at. Additionally, the following inquiries were made without my consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inaccuracies and unauthorized inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) requires that a consumer report may only be furnished for a permissible purpose. 
607 ( b ) mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
609 ( a ) ( 1 ) entitles me to full disclosure of information in my credit file to verify accuracy. 
611 ( a ) allows me to request reinvestigation and correction of incomplete or inaccurate information.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Resurgent Capital Services sent a collection letter for XXXX accounts that were charged off. I wrote them a Cease and Desist letter on XX/XX/XXXX and asked for a specific list of verification items. They did not provide the items I requested. On XX/XX/XXXX I sent them a notice of dishonor and invoice for breach of the Cease and Desist, which they ignored. I sent them a sworn affidavit on XX/XX/XXXX, stating that I had not received the requested items verifying the debt. I informed them they were unlawfully using a trademarked name and that future collection attempts would incur a fee. They continued to attempt to collect on the alleged debt without proper verification. Finally on XX/XX/XXXX I sent a second Notice of Dishonor and final Invoice for damages, unlawful use of XXXX XXXX and continued attempts to collect a debt without proper verification. I sent a copy of the letters to the reporting agencies and requested the collections be investigated and removed from my report. The agencies did not provide any evidence of investigation nor did they remove the collection from the report. Resurgent Capital has failed to dispute the sworn affidavit, remove the collection from my credit report and continues to attempt collecting on the alleged account. I opened disputes with XXXX XXXX and XXXX and both agencies have failed to act on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading information being reported on my credit file by certain furnishers and/or credit reporting agencies. These errors are directly damaging my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Wrong Address Reporting The following address is being inaccurately listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX I have never lived at or been associated with this address in any capacity. This is a serious reporting error that constitutes a violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in consumer files. 

This misinformation can lead to confusion, potential identity mix-ups, and the risk of being linked to accounts or obligations that do not belong to me. I request that CFPB investigate this error immediately and ensure that this incorrect address is permanently removed from my credit file. 

2. Inaccurate Charge-Off Account The following account is being reported inaccurately : XXXX XXXX Account # XXXX * High Balance : {$420.00} Date Opened : XX/XX/year> Status : Charge-Off I dispute this reporting as false, incomplete, and unverifiable. To my knowledge, I do not have an active or previous credit account with XXXX XXXX, and no valid debt validation or original documentation has ever been provided to substantiate this account. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request reinvestigation of any inaccurate or unverifiable information on my credit report. Additionally, if the furnisher can not provide concrete evidence validating the account, it must be deleted immediately. 

I am requesting CFPB to enforce full compliance and ensure that the reporting agency and furnisher conduct a lawful reinvestigation. 

Requested Action I respectfully request that the CFPB : XXXX a full investigation into these inaccuracies. 

Ensure the immediate removal of the wrong address from my credit report. 

Require deletion or verified validation of the alleged XXXX XXXX account. 

Provide me with written confirmation once corrective action has been completed.

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 2025-10-21 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurate, incomplete, or unverifiable items appearing on my credit report maintained by your agency. These items are negatively affecting my credit profile and do not reflect accurate, up-to-date, or fully substantiated information. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information that I believe to be incorrect or unverifiable, and under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from unfair or misleading debt collection and reporting practices. Accordingly, I am requesting a full and thorough investigation into the items listed below, which may include accounts that were closed or charged off without proper verification, collections reported without validation of debt ownership or liability, and credit inquiries that were made without my knowledge or consent. I request that you verify the accuracy, completeness, and legality of each item, and delete or correct any information that can not be fully substantiated. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-21 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 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: FL

Complaint narrative:
Dear Credit Bureau Dispute Department, This correspondence is a formal and immediate request to investigate and remove the following account from my consumer credit report, as the information being reported is inaccurate, unverifiable, and incomplete. 
creditor name 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 non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear Credit Bureau Dispute Department, This correspondence is a formal and immediate request to investigate and remove the following account from my consumer credit report, as the information being reported is inaccurate, unverifiable, and incomplete. 
creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reason to believe that TransUnion, XXXX XXXX XXXX have unlawfully disclosed or sold my personal information to third-party companies without my consent for monetary gain. Such actions constitute a violation of my privacy rights and XXXX be in breach of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX phone was stolen at XXXX XXXX  at XXXX gas station. Went home and went to bed as I had worked on moving things to my storage all night. Later that night woke up and my account has XXXX balance had XXXX that am.XXXX XXXXXXXX and XXXX XXXX gas stop XXXX and XXXX XXXX XXXX XXXX style pizza XXXX XXXX XXXX XXXX  XXXX XXXX disputed transactions twice and was told by Wells Fargo that they were not paying. Said l had to get refunded from merchants myself. I am a senior citizen and disabled. Went and changed my email and phone several times and they are still getting into my account as of XXXX  XX/XX/XXXX changed user name and password. XX/XX/XXXX had been in bank XXXX hours the day before to make sure they wouldn't get into my XXXX check.XXXX  XXXX XXXX SSDI deposit and XXXX taken by the time I get to the bank.take my XXXX out and leave XXXX XXXX. Approximately XXXX  days later get the XXXX back after I call and tell them I talked to consumer fraud protection bureau. XXXX days later I have XXXX balance and they take another XXXX I dispute. XXXX later I receive XXXX and they get another XXXX and I dispute 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 2025-10-21 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 am submitting this statement pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to document recent instances where I was denied credit due to information contained in my consumer credit report. 

Specifically, I have been : Denied approval for a credit card application, Denied approval for a mortgage loan, and Denied or offered a vehicle loan only at a higher interest rate than advertised or qualified applicants typically receive. 

These adverse credit decisions were based, in whole or in part, on information obtained from XXXX or more consumer reporting agencies. Pursuant to FCRA 615 ( a ) [ 15 U.S.C. 1681m ( a ) ], I was entitled to be notified of the source of the credit information used in each decision and to receive a free copy of my credit report to verify its accuracy.

Under the FCRA 611 ( 15 U.S.C. 1681i ), I am asserting my right to request that all information contained in my consumer file be investigated, verified, and corrected or deleted if found to be inaccurate, incomplete, or unverifiable. Any unverifiable or outdated data contributing to my credit denials must be removed immediately in compliance with federal law. 

These repeated credit denials have caused measurable harm, including financial loss and damage to my credit reputation. Therefore, I request a full reinvestigation and written confirmation of the actions taken to ensure that my consumer file accurately reflects verifiable and current information only. 

Thank you for your prompt attention to this matter.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I have an active vehicle loan with Prestige Financial, opened in XX/XX/XXXX. At the time of financing, I was enrolled in the Rate Reduction Rewards Program, which promises a 0.25 % 0.5 % APR reduction every three months for customers who make on-time payments, maintain vehicle insurance, and stay enrolled in autopay and paperless billing until the rate reaches a minimum of 14 % APR.

I have never missed or been late on a payment. All requirements have continuously been met since the start of the loan, including autopay, verified contact information, and insurance coverage. My payments have been made biweekly ( {$340.00} every two weeks ) since early XXXX without interruption. 

Despite this, my APR remains at 15.25 %, and my statements show no evidence of any rate reduction since I enrolled in the program. I also emailed Prestige Financial on XX/XX/XXXX, to request an explanation and confirmation of my rate-reduction history. As of XX/XX/XXXX, no one has responded. 

This appears to be a failure to honor a contractual program and a lack of communication or accountability from the company. I believe I have lost money in excess interest charges because my rate was not lowered as stated in their policy. I am asking for CFPBs assistance in having Prestige Financial review my account, apply the rate reductions retroactively, and provide documentation of my correct rate history and current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
I am experiencing ongoing distress due to this accounts presence. Ive attached the necessary evidence and respectfully request its immediate deletion.

Company response to consumer: Closed with non-monetary relief