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

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} DEPTEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} DEPTEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX CO XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  BANK XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} UNKNOWN - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am disputing the cancellation of my XXXX coverage on account # XXXX with Credit Acceptance and XXXX XXXX XXXX. My vehicle was repossessed in XX/XX/XXXX, but XXXX was canceled just before the sale in XX/XX/XXXX, with no claim filed and only a partial refund. I have disputed twice with Credit Acceptance and submitted this case to the CFPB. Balance inconsistencies and unjustified XXXX  denial persist. This is my first time reaching out directly to XXXX. I request a XXXX claim be applied and full resolution. My vehicle was repossessed in XX/XX/XXXX while my XXXX insurance coverage was active. XXXX was canceled on XX/XX/XXXX, just days before the vehicle was sold on XX/XX/XXXX. No XXXX claim was filed on my behalf, no formal denial of a claim was provided, and the remaining XXXX premium was not fully refunded. Only a partial refund of {$130.00} was issued from a {$740.00} policy. My XX/XX/XXXX disposition notice showed a deficiency balance of {$15000.00}, but in XXXX Credit Acceptance reported a balance of XXXX XXXXan unexplained increase of over {$3600.00}. Payment history also shows unexplained reversals and adjustments. I have disputed this matter twice with Credit Acceptance and once through the CFPB, but this is my first time contacting XXXX XXXX directly. I believe I am entitled to a valid XXXX  claim, proper refund of unused premium, corrected account balance, and updated credit reporting. There is no clear explanation for this increase, and no supporting documentation has been provided to justify these additional charges.

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 2025-08-08 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Bureau of Havre
State: MT

Complaint narrative:
I have proof that I asked numerous times from the havre credit bureau of itemized paperwork showing my bills and a very threatening bill with a threat from a employee name XXXX I received an itemized billing statement and copies of bills. There where so many from XXXX through XXXX I told them that I wouldn't pay on due to being so old. I told them I was Willing to pay the other bills that came to {$1000.00} and I have been paying {$25.00} to {$50.00} maybe {$100.00} every two weeks. I also asked for them to have another employee to communicate w me a cease and desist from XXXX sending stuff due to her threats and attitude and also she has issues w privacy of my acct. I have explained numerous times of my husband 's health issues and I will take control of these bills as I do pay on them I have other bills that have been garnished that the book keeper at my employment had to deal w this place because when I was paid on full they tried to add more money to make me pay and was angry that she comforted this company and individual. I am paying for the bills that are not from the years that are far gone. I have no issues paying the ones that are current. But I refuse to pay bills from the years above cause I never knew about them until they sent them. This company is not only hurting me with all this threats and false pricing after agreeing for me to pay {$1000.00} and not the {$5700.00} they need to back off and quit falsifying and lying to people in the community. I am again paying the agreed {$1000.00} and not the agreed {$5700.00}. Again today XX/XX/XXXX XXXX sent another {$5700.00} bill to us that we agreed of {$1000.00}. I have sent documentation and I am showing that and how much I have been paying. I pay on there website w debit card. harassment needs to come to halt agreements need to be the only part of that bill paid on If you need the paperwork they sent me and all the letters I sent and copies of my statements happy to do it. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been trying to get this escrow issue resolved since XX/XX/XXXX/XXXX. 

I removed both tax and XXXX XXXX escrow on my account and received an escrow surplus check on XX/XX/XXXX in the amount of {$920.00}. I received the notice of escrow removal letter on XX/XX/XXXX, showing my new payment of {$1800.00}. I made an automatic bi-weekly payment of {$900.00} on XX/XX/XXXX. 

I see another escrow statement online from XX/XX/XXXX, showing a revised payment amount of {$2400.00}. I never received this in the mail.. This is a difference of {$590.00} a month. 

My bi-weekly payment of {$1200.00} is scheduled to be paid today XX/XX/XXXX. A difference of {$290.00}. 

My current escrow balance is {$1900.00}. My total for the remaining tax for this year is {$1200.00}. I sent the school tax bill signed by the tax collector, which Ive sent many times to XXXX. 

I called customer service today and submitted another escrow cancelation today. I was told that it should be resolved by XX/XX/XXXX. Reference Number : XXXX. 

This would mean that MR Cooper will incorrectly charge me two payments against my will, on top of several months of incorrectly estimating my escrow. Its also becoming very difficult to trust Mr. Cooper with my money on such a large purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear ALDOUS AND ASSOCIATES, I am writing to formally dispute the validity of a debt you claim I owe, identified by last four of social security number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. Please provide documentation showing that I am responsible for the debt in question. 

If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. 

Thank you for your attention to this matter. I expect your prompt response. 

Sincerely, XXXX XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 2025-08-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
Experian and Equifax are reporting an allege collection account listed as XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  on my credit report that is incorrect. I do not owe this debt and neither credit bureau can provide any information to prove otherwise because I never contracted with this business and the fact they are reporting is beyond my understanding. Federal law also states I have a right to opt out of this information be reported. Every XXXX  days each credit bureau is suppose to provide a disclosure with my right to opt out of my information being shared because this is a right and not a privilege this account should immediately be deleted. Before suing XXXX give you an opportunity to remove the account or provide me with the information you used during the course of your investigation.

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

Complaint narrative:
It is with Transunion that is illegally and violating the fair credit act by continuing to report an account that is not even my account negatively against me on my credit. They continue to knowingly report an account that is not mine, they continue to report that account knowing they are reporting it with incomplete information, they also continue to report it on my account knowingly with inaccurate information, without having all the accurate information on it, or the entire payment history on it, they continue to report it time and time again as a open account in collections, i dispute it and they return it so fast as verified without any verification or proof, so id click another reason and submit that dispute and the exact same thing for each one this was before i found out Transunion was being sued for not verifying disputed accounts. I knew they wasnt even trying to verify them they were responding way to fast as verified yet their verified was still being reported as a open account missing important information and also listing inaccurate information such as the date the account was opened ive contacted them so many times and told them by law they must delete inaccurate, incomplete, and unverifiable information, but all they continue to do is ignore my disputes and requests for proof, and refuse to delete it it is continuing to negatively affect my life, and all they continue to do is update the last reported date and starts the 7 years over again but the information they have about that account is still missing the correct information and they dont care. they have it listed as opened on XX/XX/year>2021 when i know for a fact ive been disputing it for as long as that if not longer. when i ask questions and bring up the law they cut me off and tell me they have done everything they can do to wait the 30 days and i tell them ive been waiting yalls 30 days every 30 days for years with the same results and yall know yall are reporting inaccurate information, thats incomplete and with the wrong date, also yall know yall are listing it as a open account still. id like yall to do something about this Please it is affecting my insurance rates my loan rate my Life. 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid all my overdrafts and then they still charged me a fee overdrafting my account to be 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 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00}

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 2025-08-08 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/ FTC Identity Theft Report ( FTC Report Numbers:XXXX ) as evidence supporting my identity theft claim. 

As stated in 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four ( 4 ) business days.

I am notifying you that I have been a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

My credit report contains fraudulent hard inquiries that are not associated with me. All supporting documentation is included in this packet, and copies have been sent to your agency both via fax and Certified Mail. 

I request the immediate removal and blocking of the following fraudulent hard inquiries from my credit report : Fraudulent Hard Inquiries : XXXX ) XXXX XX/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 2025-08-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ 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 2025-08-08 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 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: CA

Complaint narrative:
Victim of identity theft and other data breach situation, my information was compromised and used! I sent several complaints

Company response to consumer: Closed with non-monetary relief