vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Experian has repeatedly failed to conduct a proper investigation of my credit report disputes, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

I filed a dispute with Experian regarding inaccurate and/or unverifiable information on my credit report. Despite providing supporting documentation to verify my claim, Experian responded within a very short period with a generic notice stating that the item was verified as accurate, without any explanation or evidence of how that determination was made. 

It is clear that Experian did not perform a reasonable reinvestigation as required by law. They appear to have simply relied on automated verification from the furnisher ( creditor ) through the e-OSCAR system, rather than reviewing the documentation I provided or contacting the furnisher directly for a meaningful review. 

This failure to properly investigate has caused ongoing harm, as the inaccurate information remains on my credit report, affecting my creditworthiness and ability to obtain fair credit terms. I believe Experians handling of my dispute violates my rights under the FCRA and represents a pattern of negligent and unfair practices. 

I am requesting that the CFPB review this matter and require Experian to : Conduct a proper reinvestigation with full documentation review, Provide a detailed explanation of how the item was verified, and Remove or correct any information that can not be substantiated with proper evidence from the furnisher. 

Attached are copies of my dispute correspondence and any related documents showing Experians response. 

Thank you for your 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 2025-10-14 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-14 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance has repeatedly provided inaccurate and inconsistent mortgage statements during and after my active bankruptcy case. Between XX/XX/year> and XX/XX/year>, Selenes records show major fluctuations in my Total Amount Due, increasing from {$16000.00} to over {$93000.00} without any explanation or new activity. 

Although Selenes statements confirm that {$26000.00} was received from my XXXX XXXXXXXX bankruptcy trustee, these payments were never properly applied to reduce my principal, interest, or escrow balances. Instead, the company continues to report inflated past-due amounts and a negative escrow balance of nearly {$20000.00}. 

Selene has also issued multiple acceleration notices while the account is still subject to bankruptcy protection, raising the Accelerated Amount from {$140000.00} in XX/XX/year> to {$160000.00} by XX/XX/year>. In the most recent XX/XX/year> statement, Selene added a {$400.00} Appearance in Court fee an improper charge while bankruptcy protections remain in place. 

I have repeatedly requested accurate accounting of payments, but Selenes statements continue to contradict one another and fail to credit trustee disbursements. I submitted a formal RESPA Notice of Error and Request for Information to Selene Finance asking them to correct these servicing errors and provide a full transactional history. 

I am asking the CFPB to require Selene Finance to : 1. Audit and correct all misapplied payments and escrow balances. 
2. Remove unauthorized legal fees and charges. 
3. Provide accurate documentation of all bankruptcy-related distributions. 
4. Suspend any foreclosure or acceleration actions until the errors are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

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 2025-10-14 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: VA

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
On XX/XX/year> I visited XXXX XXXX XXXX XXXX XXXX  in XXXX, SC to purchase a car. This dealership performed a shady and illegal deal in which they lied about the condition of the vehicle and forged my signature without my knowledge or permission on the loan and terms agreement to move a lemon off the lot. See previous filed complaint on Mid Atlantic Financial. I've attached new documents to review. This company has caused me damages not only to my credit but to my emotional and mental well-being. I'm attempting to uncover this deceptive company and to make a final plea for them to reasonably rectify this situation before filing a lawsuit against them for fraud and malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payments reporting inaccurately on credit report. Remove late payments & update my record with XXXX XXXX XXXX XXXX. Fair Credit Reporting Act, 15 U.S.C. 1681s-2a 1A.Creditors are legally prohibited from reporting information like late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-14 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: TX

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any XXXX  as billing statements or account XXXX  that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-10-14 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: TX

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any XXXX  as billing statements or account XXXX  that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-10-14 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
On or about XX/XX/XXXX we quit a rental property ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV ) and moved to another rental company. They insisted we have a debt about {$3500.00} as a rental move-out bill. They took our deposit of {$1000.00}. Nobody gave us the proof there is a debt. Later in XX/XX/XXXX I found out the matter was transferred to a debt collection agency. 

In XXXX of XXXX I sent a demand letter to IQ DATA to verify the alleged debt. They ignored me completely but kept on their reporting to TransUnion. 

Since XX/XX/XXXX the management was changed and now the apartment complex operates under " XXXX XXXX ''. 

The purpose of this complaint is to ask IQ DATA ( XXXX XXXX XXXX, XXXX, WA XXXX ) to verify the debt according to my letter of XX/XX/XXXX, or to remove the debt from the report! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Summary of the Issue : A collection account from LVNV Funding LLC / Resurgent Capital Services is being inaccurately reported on my credit report byXX/XX/XXXX, despite the fact that the alleged debt was legally resolved in court. I won the case under case number XXXX, and the court judgment clearly shows I am not responsible for this debt. 

Details : I filed a dispute with XX/XX/XXXX regarding this account. 
XX/XX/XXXX completed their investigation and stated that the account was verified as accurate by the furnisher. 
This verification directly contradicts the court ruling. 
Continued reporting of this account is a violation of FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and FDCPA 807 ( 8 ) ( misrepresentation of legal status of a debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
b'On XXXX XXXX XXXX  went to the Western Union service center at XXXX XXXX XXXX California, to pick up the money transfer sent from XXXXnThe transaction was listed as pending, preventing the withdrawal. After three attempts, the system refused to authorize the payment. Later, when I checked online, the transfer appeared as "paid," although I never received the money.\n\nXXXXXXXX  staff issued a receipt confirming that the payment had not been made, while Western Union incorrectly indicated that the amount had been credited. This inconsistency has left a legitimate transfer of XXXX unresolved, financially impacting the complainant.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-14 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
I currently have an account with Sezzle, Inc. I am disputing my credit limit with them. Sezzle has been reporting my limit to equifax for past 10 months at {$2000.00}. I received an email from Sezzle on XX/XX/year> stating that my credit limit increased to {$1300.00}. I received an email from equifax XX/XX/year> that my rank had changed due to my Sezzle account limit dropping from {$2000.00} to {$1800.00}. I called Sezzle to find out why they reduced to {$1800.00}. Sezzle informs me that my limit has never been {$2000.00}. It has always been {$1300.00}. I recall my limit being {$2000.00}. This discrepancy is drastically changing my credit score. I have also requested a call back from a supervisor at Sezzle. Awaiting this call. Sezzle needs to keep my limit at {$2000.00} which is what has been on my credit report with XXXX  for almost 1 year. I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX  was stolen from my account say on paper an my trusted account manager by other companies property mortgage fraudulent XXXXXXXX XXXX  regional banks never received funding or my interest rate as promised never hired any required audit disclosures file revoke license closed all Bank down warrant deed it's my property kept calling Police on me change vault number need phone civil actions law XXXX investments XXXX fraud taxes document

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