vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
I received a collection notice from Harris & Harris , Ltd, file number XXXX, on behalf of the Florida Department of Transportation for {$38.00}. They listed the plate number as XXXX. XXXX said it was a XXXX, XXXX, XXXX, on XX/XX/year>. We don't have a truck, and were not in Florida in XXXX. The name of the owner was listed as XXXX XXXX, and XXXXXXXX XXXX There are a few businesses in Michigan that share my last name. My address is not the same as XXXX XXXX 's. 
The person I spoke to at Harris, today, said he removed my address and marked it " a bad address. '' He said that Harris ' skip tracers would find the right phone number and address, He claimed that sunpass provided Harris with the registered owner 's address.

It looks like Harris ' skip tracers sometimes look up names and phone numbers and addresses. We received no invoices from surpass and no previous letters from Harris. I think that Harris ' skip tracers needed an address for this debt I was unlucky enough to share a last name with the owner of a XXXX XXXX XXXX. 
I told the person I spoke to that XXXX people in XXXX Michigan share my last name. Did they send collection notices to every one of the XXXX, hoping to get the right one? He thought that was funny. I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: MO

Complaint narrative:
Our mortgage company sent us a letter ( around XXXX, I believe ) to inform us they bought out our mortgage to United Wholesale Mortgage company ( same company, different location ). Since then, we have been sending our payments, but they have not been processing them in a timely manner. XXXX mortgage payment, they stated, didn't go through when they pulled the money, but the time they pulled the money was late. Last month, they stated we owe, $ XXXX to catch up on the mortgage. We asked them where the money from XXXX, XXXX, and XXXX was. They stated the XXXX payment went to their sister company ( the prior mortgage company ), the one for XXXX they received, and they don't have the one for XXXX. We sent them the $ XXXX amount, through money orders, to the address they requested. It arrived there on XXXX XXXX at XXXX XXXX and picked up by XXXX XXXX XXXX. We reached out to them regarding the money orders. They informed us, if they came to them altogether, then they need to be sent back and given back to them INDIVIDUALLY to the address. We have been with them for about 4 months and this company is wrecking our standing with our credit and we do not want to deal with them anymore. We were forced to have this new mortgage company, and we are not satisfied with their service AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by National Credit Systems. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. National Credit Systems can not lawfully continue reporting or collecting without proper validation.

I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to National Credit Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

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.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB/XXXX I am writing to formally complain about Wells Fargos refusal to fairly investigate and resolve a credit card dispute related to a transaction on my Wells Fargo account ( card ending in XXXX XXXX XXXX XXXX XXXXXXXX ). 

1. Transaction & Dispute Background - On XX/XX/year> I purchased an Off Road Racing Motorcycle Helmet from XXXX for {$47.00}. 

- The helmet did not fit, so I requested a return/refund on XXXX ( XXXX ID : XXXX ) on XX/XX/year>. XXXX policy promises free returns within 90 days, but the merchant refused to provide a free return label, violating their own policy. 

- I filed a dispute with Wells Fargo on XX/XX/year> ( Dispute Number : XXXX ). Wells Fargo closed the dispute with the status Closed - Dispute Declined, without conducting a thorough investigation into the merchants policy violation. 

2. Wells Fargos Failure to Fulfill Obligations Wells Fargo failed to : - Investigate whether the merchant violated their free returns policy. 

- Uphold my rights under the Fair Credit Billing Act, which requires credit card issuers to promptly and fairly resolve disputes. 

- Provide a reasonable explanation for declining the dispute, despite clear evidence of the merchants non-compliance.

3. Request for Action I urge you to investigate this matter and require Wells Fargo to : - Reopen the dispute and conduct a proper investigation into the merchants breach of their return policy. 

- Ensure I receive a full refund of {$47.00}, as the merchant failed to honor their free returns obligation. 

Enclosed ( or attached, if submitting digitally ) are supporting documents : - Screenshots of XXXX refusal to process the return ( citing insufficient evidence of the merchants policy violation ). 

- Screenshot of Wells Fargos dispute closure notice. 

- Screenshots of XXXX product page confirming the free returns within 90 days policy. 

Thank you for your attention to this matter. I expect prompt action to hold Wells Fargo accountable and protect my consumer rights. 

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 explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-09 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:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I am filing this complaint under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) to demand that TransUnion block and permanently remove fraudulent and coercion-based information from my credit file. 

The following items were created or used without my knowledge or consent and are directly connected to my victimization : Addresses to Delete : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX Phone Numbers to Delete : ( XXXX ) XXXX ( XXXX ) XXXX Accounts to Block Immediately : Dept of Ed/XXXX  XXXX {$0.00} Dept of EdXXXX XXXX {$0.00} Dept of Ed/XXXX XXXX {$0.00} Dept of EdXXXX XXXX {$0.00} Hard Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mo XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX Under the FCRA , TransUnion must block and remove all information resulting from XXXX XXXX  or identity theft within four business days and provide written confirmation. I have submitted my Certified Victim Determination Documentation, government ID, Social Security verification, and proof of current address.

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 2025-10-09 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: FL

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.

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 2025-10-09 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: FL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
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 INQUIRIES : XXXX CARD - XX/XX/year> XXXX  - XX/XX/year>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 2025-10-09 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-09 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The lawsuit against my former employer and the apartment owners stems from their negligence. They failed to provide a safe living environment, which ultimately led to my XXXX  on a mailman. As a result, I was XXXX  to XXXX months in XXXX  XXXX, a XXXX  XXXX, and a three-year probation. Additionally, I was required to pay restitution. While working as the XXXX XXXX, I was provided with an apartment as part of my work compensation. My regional manager assured me that it was a safe and livable place. She promptly hired me and moved me in. However, after a month, I began experiencing symptoms such as body aches, congestion, fatigue, and difficulty concentrating. The situation worsened when it started raining. I informed my manager, who promptly sent me to the doctor. The doctor issued a note indicating that I may have been exposed to mold. The doctor advised me that I could continue working as long as I was relocated to another apartment. I was found an apartment, but I was not assisted in moving. My family helped me move, but by that time, I was already in a severe mental  state and unable to control my actions. It is important to note that I have never been violent and have no criminal record. I was also told by other tenants that the roof was leaking dirty water for years, and it shouldnt have taken for an incident to occur so that the apartment complex could get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
On XXXX I paid my mortgage to Dollar Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. I normally pay my mortgage at a different Dollar Bank location. I decided to use this location because it's closer to my house and I was running errands in the area that day. The teller processed my payment for {$550.00} and my mortgage is {$750.00} total. The teller didn't say my payment was short. This prompted me to have to file a police report due to missing funds. It was investigated and I ended up borrowing money that I didn't have to pay for missing funds caused by the teller. I'm on a fixed income and I have never missed one payment with my mortgage and I've never been late in the three years since I've moved in my house. This has caused added pain and suffering to my credit reports for late fees that were not caused by any negligence on my behalf. I have made every payment to the mortgage company in a fair and just manner. This needs to be investigated further. Failure to properly apply payments as of the date received, would be in violation of 12 CFR ss 10267.36 ( c ) ( 1 ). I'm asking for the credit bureaus and my mortgage servicer to properly review this situation and correct it. Under 12 CFR ss 1024.35 ( e ) they are required to investigate and respond in writing within 30 business days from receipt of this dispute.

Company response to consumer: Closed with explanation