vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am writing to formally dispute certain items listed on my credit report, which I believe are inaccurate and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611.

After reviewing my records, I believe that the information reported is inaccurate and/or unverifiable. I respectfully request that your office investigate and verify the accuracy of these accounts. If the information can not be fully verified, I request that the accounts be deleted from my credit report immediately as required by law. 

Please provide me with written confirmation of the results of your investigation and the updated status of my credit file. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
THE LATE PAYMENT REPORT IS UNJUSTIFIED AND INCORRECT.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: NY

Complaint narrative:
I am submitting this complaint because SEQUOIA FINANCIAL SVCS is reporting an account under my name that I do not recognize. I have no knowledge of this account and did not authorize anyone to use my personal information to open or create it. I have never received any services, funds, or benefits of any kind related to this account, nor have I had any financial or personal connection to it. It appears that this may be a result of identity theft or a reporting error. I request that SEQUOIA FINANCIAL SVCS provide full validation of this alleged account and immediately remove any inaccurate or fraudulent information from my credit report. I have already taken steps to protect my identity and filed an identity theft report with the appropriate authorities. Please investigate this matter and ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance LP, my former mortgage servicer, has failed to refund my escrow overage of {$7900.00} despite multiple promises, inconsistent communications, and over 2 months of delaysin clear violation of RESPA ( 12 CFR 1024.17 ), which requires timely escrow refunds or transfers upon servicing transfer. This has caused me financial hardship with my escrow balance at my current servicer, wasted dozens of hours on hold, and forced me to escalate to the CFPB. 

- XX/XX/year> : Filed dispute for refund + full escrow accounting. Sent an email to customer service, as advised by them. 
- XX/XX/year> : Selene " confirmed '' reissuance of check within 15 business days ( ~Oct 3 ). 
- XXXX XXXX  : 10+ callsreps gave INCONSISTENT LIES : " Direct to you '' / " Wired to XXXX XX/XX/XXXX. '' XXXX CONFIRMS no receipt. 
- XX/XX/year> : Final demand email ( attached ) NO RESPONSE. 
Today ( XX/XX/XXXX ) : STILL NO FUNDS. XXXX claims {$980.00} " deposited back, '' but XXXXXXXX XXXX XXXX  history ( attached ) shows XXXX evidence. 

RESPA Violations : 1024.17 ( i ) : No surplus refund within 30 days.

1024.17 ( k ) : Failed to transfer escrow promptly.

1024.35 : No proper dispute resolution/accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Mechoopda Indian Tribe of Chico Rancheria
State: GA

Complaint narrative:
Boost credit tried to charge me 600 % interest on XXXX. Payments would be over XXXX a month. That is predatory lending

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 2025-10-29 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:
Review the enclosed documents ; the inquiries appeared out of nowhere and could be invalid.

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 2025-10-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: OR

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unverifiable information and has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX account ending in XXXX. 

I disputed this account with Experian over 30 days ago. Experian marked the account as verified without providing any evidence to support the verification. 

Following the dispute, I mailed a Method of Verification ( MOV ) request pursuant to FCRA 611 ( a ) ( 7 ), requesting the description of the procedure used to verify this account, including the name, address, and telephone number of the furnisher contacted, and the records relied upon to confirm the accuracy of the account.

Experian did not provide a Method of Verification. Instead, when I called to follow up, the Experian representative stated : That Experian does not have to provide a full explanation for a Method of Verification, That my MOV was treated as a dispute, and That if the furnisher sends a name that is not exactly the same, that is fine if the name doesnt match exactly These statements are incorrect and demonstrate willful non-compliance with the FCRA XXXX FCRA 611 ( a ) ( 7 ) requires Experian to provide the actual procedure used to determine accuracy, not simply restate a verified result. MOV can not legally be converted into a dispute to avoid providing required information. 

This account is also being reported under the incorrect name. The account is reported as XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX XXXX 

XXXX ( the furnisher ) has confirmed that they can not update or locate my account under my full legal name because their system can not process the full name length. This means the furnisher can not accurately verify the account and Experian can not accurately match it to my identity, which violates : FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher may not report information known to be inaccurate ). 

Additionally, the late payment history is inconsistent across the credit bureaus, showing that the reporting is not accurate or reliable : Experian reports a 30-day late in XX/XX/scrub>XXXX XXXX XXXX reports a 30-day late in XX/XX/scrub> XXXX XXXX reports no late payment at all until you click into the account where it then states a 60 day late XX/XX/year>. 

This proves the data is not accurate, not consistent, and not verifiable.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Account XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

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 INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-29 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: TX

Complaint narrative:
THE INFORMATION PROVIDED IS OUTDATED AND MISREPRESENTS MY HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 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: MA

Complaint narrative:
I am writing to dispute the inclusion of the following inquiries, which appear on my report without permissible purpose and are not tied to any active or positive accounts : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These violate FCRA 604 ( a ) ( 3 ), as I did not initiate any transaction justifying a hard inquiry by these entities. Please provide documentation proving that each had a valid business need or authorization. 
Additionally, I have been affected by the XXXX  XXXX and XXXX  XXXX breaches, and my sensitive data may have been used without my consent.

ACTION REQUESTED : Delete the above inquiries Provide documentation of permissible purpose Place all available fraud protections on my file

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used XXXX to pay for a service from a contractor. They have an option to use purchase protect for goods or services, which I used. When I disputed the charges after the contractor quit in the middle of the project on XX/XX/year>, and then promised to finish. By XX/XX/year> completely stopped responding and I told him I would dispute the charges. XXXX  did not honor their own policy claiming that my case did not qualify for the policy. I submitted multiple pieces of evidence from conversations to photos of the incomplete project. In this instance the purchase protection option did protect the purchaser. The disputed amounts are 2 payments of {$1700.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am writing to formally dispute the presence of fraudulent and inaccurate information on my credit report and to address Equifaxs violation of the Fair Credit Reporting Act ( FCRA ) Section 605B. I am a victim of identity theft and despite my efforts to correct this matter. I am attaching a letter that itemizes the accounts and information I am disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed the XXXX XXXX account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) because the closed date, creditor type, and date of last activity are inconsistent and conflicting across the XXXX nationwide credit reporting agencies ( XXXX XXXX TransUnion ). I have disputed this item multiple times. Neither XXXX XXXX  and TransUnion have corrected or deleted the inaccurate information. I have requested reinvestigation and documentation from all three bureaus and notified the furnisher to investigate under 1681s-2 ( b ). I request the CFPB investigate whether the bureaus and furnisher complied with the FCRA and order deletion of any information that can not be verified, and provide remedies for FCRA violations.

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 2025-10-29 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: Wolf River Development Company
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a {$1400.00} loan from XXXX XXXX XXXX XXXX, an online company that claims to operate under tribal law. The contract includes an interest rate ( APR ) of approximately 758 % and weekly payments of {$210.00} for XXXX weeks, totaling more than {$11000.00}. 

The agreement denies the application of Florida and U.S. consumer protection laws and requires mandatory arbitration under tribal jurisdiction. It also authorizes automatic withdrawals ( ACH ) from my bank account and includes a clause waiving my right to a jury trial. 

I live in XXXX XXXXXXXX XXXX and believe these terms are predatory and illegal under Florida lending standards. I request the CFPB to investigate this lender for potential violations of federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: NY

Complaint narrative:
Car is not paid off however it needs to be registered in new state of residence. I put in a request verbally on XX/XX/XXXX at which time they inform me I needed to put in an email request I put in the email request on XX/XX/XXXX and called back a week later to confirm they had received the request at that time they inform me that the request was received and I should receive the title in 10 to 15 days. I called back on XX/XX/XXXX to get an update on the status of the title at which time they stated that my email domain was rejected and I had to put in a new request for a title. Once I spoke with a supervisor the supervisor informed me that they had in fact sent out my title to New York State DMV.. When I asked what DMV they sent it to. I was then told that they mailed it to my home address the supervisor then proceeded to tell me I needed to put in a new request for the title. I am violating New York State law by not registering my vehicle in the state. Im also paying a higher insurance on my vehicle for it being registered in a state that I do not reside in.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute the XXXX XXXX account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) because the closed date, creditor type, and date of last activity are inconsistent and conflicting across the three nationwide credit reporting agencies ( XXXX, Equifax, XXXX  ). I have disputed this item multiple times. Equifax has responded that the dispute is frivolous and refused further reinvestigation ; XXXX and XXXX have not corrected or deleted the inaccurate information. I have requested reinvestigation and documentation from all three bureaus and notified the furnisher to investigate under 1681s-2 ( b ). I request the CFPB investigate whether the bureaus and furnisher complied with the FCRA and order deletion of any information that can not be verified, and provide remedies for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Dear Equifax 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

Company response to consumer: Closed with explanation