vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am formally disputing the accuracy and legality of a repossession account being reported on my credit file by [ XXXX XXXX XXXX XXXX XXXX XXXX ], in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and Uniform Commercial Code ( UCC Article 9 ) regarding repossession practices.

Here are the key issues : 1. No Legal Notice Prior to Repossession ( UCC 9-611 and 9-614 ) : I was never provided proper written notice of the intent to repossess the vehicle, nor a post-sale breakdown of the disposition as required by law. This failure makes the repossession unlawful and void.

2. FCRA Violations Inaccurate and Misleading Reporting ( 1681s-2 ( b ) ) : The account includes : An inaccurate balance post-repo No notice of dispute listed Failure to update information in a timely and compliant manner under Metro 2 guidelines.

3. No Proof or Legal Documentation Provided : Ive never received any of the following, despite multiple attempts : Original signed contract Right to cure or default notice Breakdown of vehicle sale and deficiency Assignment/ownership history 4.Possible Breach of Peace ( UCC 9-609 ) : If the repossession was conducted without court order, it must not breach the peace. If it involved private property trespassing or any threats, it is unlawful.

5.No Verification of Deficiency Amount : The remaining balance appears arbitrary and unverified. I demand a full breakdown of how it was calculated, including sale price, vehicle condition, and any fees.

This reporting is harming my ability to obtain credit and does not reflect verified or accurate debt. I am asking the CFPB to investigate this matter and enforce federal protections under the FCRA and FDCPA. If the account can not be verified with legal documentation, I request that it be removed immediately from all credit bureaus.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: MI

Complaint narrative:
XX/XX/scrub>XXXX I sent XXXX XXXX XXXX a Cease and Desist all debt communication. Despite this request they still communicate and report to the credit bureaus and not provide what was asked. I've asked for the licensing and bonding information to collect debt in the state of Michigan prior to this letter and they still haven't been able to provide it. I've also looked this company up in XXXX and no licensing or company information was found in the database during the search. They continue to report on my credit without proper validation. Sending me bills is not a form of debt validation. I have yet to receive evidence to substantiate the debt such as proof of assignment or transfer of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I received two payments through XXXX from a person ( username : XXXX, name XXXX XXXX ) totaling {$210.00} ( {$99.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX ). These payments were for an XXXX booking. The sender used the services but later disputed the charges through his bank, claiming fraud. 

XXXX confirmed they disputed the chargeback on my behalf, but the card issuer sided with the scammer. XXXX then permanently froze my account and applied the negative balance to me, even though I am the victim and did nothing wrong. 

I am a XXXX woman living on XXXX income, and I rely on XXXX to receive help from friends for basic needs, including transportation to medical appointments. On XX/XX/XXXX, a friend sent me {$75.00} to help pay for an XXXX home from a medical appointment. XXXX immediately seized that payment to cover this fraudulent negative balance, leaving me stranded. 

This has been going on for over a year, and XXXX has repeatedly told me there is nothing they can do, despite me being a fraud victim. I should not be financially responsible for another persons chargeback. XXXX is effectively punishing me, a XXXX and medically vulnerable person, for fraud I did not commit. 

I am requesting : 1. Removal of the fraudulent negative balance.

2. Unfreezing of my account.

3. Return of the {$75.00} that was wrongfully taken.

This situation has caused me significant hardship, and XXXX has failed to protect me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I NOTICED ACCOUNT ON MY CREDIT REPORTS THAT I DIDNT OPEN

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 2025-07-16 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MULTIPLE DATA BREACHES MY PERNOAL AND FINANCIAL INFORMATION HAS BEEN COMPRESSED AND VIOLATED F.E.R.P.A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX Date : 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 2025-07-16 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-16 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: HI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, Halsted Financial Services sent a text message to my mother 's phone number, disclosing a debt allegedly owed by me to the XXXX XXXX XXXX The message stated the total amount to be settled ( up to {$250.00} ), included a payment link, and identified the sender as a " debt collector '' licensed in California ( License Number : XXXX ). I did not authorize Halsted Financial to contact or disclose any information about this debt to my mother or any third party. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 805 ( b ), which prohibits disclosure of debt information to third parties without consent. My mother is not a co-signer, account holder, or authorized representative. This disclosure caused unnecessary confusion and distress. 

No prior notice was given that third-party contact would be made, and no follow-up explanation or apology has been received from Halsted Financial. I am requesting that the CFPB investigate this violation and that Halsted Financial cease all third-party communication and acknowledge the violation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : Subject : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under the FCRA I am writing to dispute multiple unauthorized hard inquiries that appear on my credit report. I did not authorize or initiate any credit applications or transactions with the following companies, and these inquiries are being reported in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no person or entity may access my credit report without a permissible purpose and without my explicit authorization. Furthermore, 15 U.S.C. 1681i grants me the right to dispute any inaccurate information on my credit report and to request a thorough investigation and removal within 30 days. 

I demand that the following inquiries be removed immediately : 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 I did not provide authorization, consent, or initiate any application for credit with these entities. Their presence on my report constitutes a violation of my consumer rights under the FCRA.

If these inquiries are not removed within 30 calendar days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action. I will also seek damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Please confirm in writing when these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I had numerous fraudulent charges on my account after reviewing them, I submitted a complaint to my bank Current on XXXX XXXX XXXX I received notice that Current had denied my claim. The complaint was submitted on a Saturday, so in the span of two days Current " Investigated my claim '' and deemed no fraud had taken place. This is egregious, and a way for the bank to get out of the their regulatory responsibilities.

I would like this expedited to their executive mgmt to handle this, and will be pursuing legal matters, if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-07-16 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: IN

Complaint narrative:
My accounts on transunion equifax and experian have all been sold and being used for monetary gain. I want them closed and deleted from my credit report 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My accounts on transunion equifax and experian have all been sold and being used for monetary gain. I want them closed and deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The mortgage was paid off on XXXX. I received a certificate of release. However, I did not receive the " recorded '' certificate of release. I requested it by email on XXXX I received a certificate of release by secure email on XXXX, but I did not receive a " recorded '' lien release. A lady from Mr Cooper called me, and I told her that the lien release was not recorded. She insisted that it was recorded without providing a proof and suggested to call my county government. I called the county government, and they confirmed that no lien release was recorded during last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OR

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: OR

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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 2025-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint regarding a Home Equity Line of Credit ( HELOC ) application I submitted with Bank of America. Before the loan was closed, Bank of America submitted a request to my homeowners insurance provider to modify my existing policy. This change was made without my explicit consent or knowledge. 

When I inquired, the loan officer stated that the request was based on a generic Authorization to Release Information clause I had signed during the application. However, the language of that form only authorized verification of my financial and employment information. It did not authorize executing policy changes or altering third-party contracts. 

This action resulted in changes to my insurance policy that I did not authorize and were made before the loan was closed. I only became aware of the change after the fact. I believe this represents an inappropriate or premature action taken by the lender, and I am requesting the CFPB investigate whether Bank of America 's conduct violated lending standards or consumer rights. 

I am also concerned that the unauthorized policy modification could interfere with escrow payment routing or trigger a lapse in coverage if not corrected promptly. I have reached out to the insurance company, but they have not yet responded. This creates an ongoing risk that I am actively trying to prevent, solely due to the bank 's actions prior to loan closing. 

Bank of America has cited the attached Authorization to Release Information as the basis for their request to modify my homeowners insurance policy before loan closing. However, after reviewing the language, it is clear that the document only authorizes verification of financial, employment, and credit information. 

It does not contain any language explicitly authorizing the bank to initiate changes to third-party insurance policies, submit policyholder modifications, or direct insurance billing changes on my behalf. 

Therefore, I am submitting this document for reference as part of my complaint, to demonstrate that the action taken by the bank exceeded the scope of what was authorized.

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