vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Auto ( Acct # XXXX ) : XXXX  : charge-off {$31000.00} with Voluntarily Surrendered markers. 
XXXX : Profit and Loss Writeoff for the same balance, but minimal supporting data. 
Conflicting statuses and lack of substantiation violate 607 ( b ) ; verify or delete under 611 ( a ) ( 5 ). 

XXXX XXXX XXXX ( Acct # XXXX ) : XXXX : charge-off {$5800.00} ( past due {$5800.00} ). 
XXXX : profit and loss writeoff {$5800.00} with original balance {$5000.00}. 
Conflicting balances violate 623 ( a ) ( 1 ) ( A ) ; verify or delete under 611 ( a ) ( 5 ). 
3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( Acct # XXXX ) : XXXX : {$1700.00} collection with original creditor listed; updated XX/XX/year>. 
XXXX : {$1700.00} but missing original creditor details. 
XXXX : XXXX {$1700.00} with no payment history grid. 
Missing and inconsistent creditor information violates 609 ( e ) and 611 ( a ) ( 1 ) ( A ). Verify ownership/assignment and the underlying contract, or delete under 611 ( a ) ( 5 ).

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 2025-11-15 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage servicer added an incorrect Escrow Advance of {$57000.00} into my loan modification decision. This amount is not valid because I already paid my property taxes directly to the county before any escrow disbursement was made. The servicer never paid the taxes, yet they added this amount to my deferred principal balance. 

I contacted the servicer and provided proof, but they told me they can only review after the modification decision was issued. I am requesting the servicer to correct the escrow calculation and issue a revised modification agreement without the incorrect escrow advance. 

I am attaching : - Proof of property tax payment ( county record ) - Loan Modification Decision letter showing the incorrect escrow advance I called them cause they never paid any of my property tax bills. Why they still add around {$57000.00} for escrow advance, the lady who answered the phone says that is their policy and they will take over the property tax which I already paid by myself without using any of the escrow advance. She is forcing me to choose between signing an inaccurate loan modification or paying around {$14000.00} pass due immediately. This is not acceptable. The escrow advance calculation is incorrect, and I have already provided proof that I paid the property taxes myself. 
I will not sign any documents until UWM corrects the errors. I applied for a loan modification because I can not pay the {$14000.00} past-due amount at once. But the modification includes an incorrect escrow advance. I already paid the taxes myself. UWM must fix the numbers before I can sign anything.

I request CFPB assistance in having the servicer correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
CFPBP RE : Debt Validation Request/ Account No. : To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt that you claim I owe.

This letter is not a refusal to pay, but a notice that your claim is disputed. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

Verification that I am legally obligated to pay this debt, including a copy of the original contract or agreement with my signature.

Proof that Debt is authorised and legally licensed to collect debt in my state.

A complete payment history, showing how the amount you claim was calculated.

Copies of any judgments, if applicable.

Until you provide all requested validation, you must cease all collection activities, including reporting the debt to credit bureaus. If the debt has already been reported, please notify all credit bureaus that the account is disputed.

Per the FDCPA, you are required to suspend all collection efforts until validation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
ALDOUSis falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUSis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint against Self Lead Services regarding account number XXXX. I believe that the reporting of this account may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692.

Details of the Complaint : Account Number : XXXX Status : Reported as closed with a XXXX balance Nature of the Complaint : I have never used the services provided by Self Lead Services, yet I am finding this account reported on my credit report as closed with a XXXX balance. 

I am concerned that this entry may lead to inaccuracies on my credit report and could affect my creditworthiness. It is my belief that this account was reported erroneously, as I have no record of engaging with Self Lead Services. 

I have attempted to resolve this matter by reaching out to Self Lead Services, but I have not received satisfactory clarification regarding this account 's existence or its reporting on my credit file. 

Attached to this complaint are relevant documents, including my credit report showing the account in question, that support my claims. 

I respectfully request that your office investigates this matter thoroughly and takes appropriate action to address this potentially deceptive practice. 

Please confirm receipt of this complaint and keep me informed about the progress of your investigation. Thank you for your attention to this matter and for your assistance in ensuring the accuracy of consumer reporting. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my Equifaxaccount and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit file contains multiple incorrect personal-identifying entries that do not belong to me and must be removed. These errors violate the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ). 

The following information appearing on my credit reports is incorrect and does not belong to me : Incorrect Names Being Reported : XXXX XXXX XXXX XXXX XXXX All variations other than XXXX XXXX XXXX XXXX Addresses Being Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employment Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Any employer listed on my file I have never used these names, never lived at these addresses, and never worked for these employers. These items are harming the accuracy of my credit profile and increasing the risk of a mixed file. 

I contacted the bureaus to correct this information, but they failed to delete the inaccurate entries, violating 15 U.S.C. 1681i ( a ) regarding reinvestigations.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
They written the account off but didnt provide me a 1099-C form

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 2025-11-15 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Accounts FCRA 609, 611, and 623 I am contacting you to dispute and request deletion of several inaccurate and unverified items listed on my Experian credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623.

The following accounts are reported inaccurately or without proper verification : 1. XXXX XXXX XXXX XXXX XXXX XXXX reported as charged off. 
2. XXXX XXXX, XXXX. Auto loan reported as charge-off. 
3. XXXX XXXX XXXX XXXX account not properly validated. 
4. XXXX XXXX XXXX XXXX Two collection accounts with conflicting data. 
5. XXXX XXXX XXXX XXXX account reporting unresolved dispute and inaccurate details. 
I request the full method of verification as required by FCRA 611 ( a ) ( 7 ), including documentation obtained from the original creditors. If verification can not be substantiated, please delete these accounts immediately in compliance with federal law.

Please send me written confirmation of your investigation results along with an updated copy of my credit report. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Accounts FCRA 609, 611, and 623 I am contacting you to dispute and request deletion of several inaccurate and unverified items listed on my Experian credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623.

The following accounts are reported inaccurately or without proper verification : 1. XXXX XXXX XXXX XXXX XXXX XXXX reported as charged off. 
2. XXXX XXXX, XXXX. Auto loan reported as charge-off. 
3. XXXX XXXX XXXX XXXX account not properly validated. 
4. XXXX XXXX XXXX XXXX Two collection accounts with conflicting data. 
5. XXXX XXXX XXXX XXXX account reporting unresolved dispute and inaccurate details. 
I request the full method of verification as required by FCRA 611 ( a ) ( 7 ), including documentation obtained from the original creditors. If verification can not be substantiated, please delete these accounts immediately in compliance with federal law.

Please send me written confirmation of your investigation results along with an updated copy of my credit report. 
Sincerely,

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 2025-11-15 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: WA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding an unauthorized credit inquiry that is appearing on my consumer report. I did not apply for credit, authorize, consent to, or otherwise permit this company to access my credit file. The inquiry is being reported without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. And I respectfully asking that these hard inquires are removed from my file. 

Companies : XXXX ) , Date of Inquiry : XX/XX/XXXX CAPITAL ONE Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Credit Bureau ( s ) : [ XXXX ] I never provided written or verbal authorization.

I had no existing account, no application for credit, no business transaction, and no reason that would legally justify access to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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

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 2025-11-15 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
This complaint concerns multiple high-cost loans I received from Uprova over time. The interest charged on each loan was extremely high and appears to be far above New Jerseys legal limit of approximately 30 % APR. Across several loans ( approximately XXXX total ), the effective interest rate I paid exceeded 200 % XXXX % per loan. 

A large portion of every payment went only toward interest. Despite paying significant amounts over time, the balances barely decreased because of the high-interest structure. When I questioned the legality of the interest rates and mentioned that I might need to file a complaint, Uprova closed my account and waived the remaining balance on the final loan instead of reviewing the large amount of interest I had already paid on all prior loans. This only happened after I raised concerns ( ; before that, I had already paid the full principal plus extremely high interest on the earlier loans. 

During the time I had these loans, I was earning around {$2000.00} per month and struggling financially. The interest payments made it difficult to keep up with basic living expenses. After my account was closed, I attempted to contact the company multiple times regarding the excessive interest I had paid, but I received no response. I am requesting that this matter be reviewed and that I be refunded any interest paid above New Jerseys legal limits.

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