vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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:
XXXX XXXX has ignored my request for an investigation as is there duty and obligation to as a data furnisher to the credit reporting agencies. On XX/XX/XXXX I entered into an agreement to settled in full my account ending in XXXX, and this was fulfilled on XX/XX/XXXX. I received a letter dated XX/XX/XXXX that indicated they would be reporting my account to the credit bureaus as a XXXX balance. Well for months now, I have been writing to the credit bueraus and to XXXX XXXX to request an investigation into the matter as to why the account still shows a balance. But not just any balance, a balance that is significantly larger than what it was before, almost as if the payments I made were ADDED to the account instead of subtracted from the balance. 

This error was present on my report for more than 6 months, and I have yet to receive any response or correction notice from XXXX XXXX indicating that they have corrected this mistake. At this point, I have sent them XXXX different demand letters dated XXXX, XXXX, and XXXX of XXXX. In addition, credit bureau disputes have been filed with Experian, XXXX XXXX XXXX  and to date XXXX XXXX has not taken any action with respect to the egregious error they are making.

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 2025-05-21 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: CA

Complaint narrative:
XXXX XXXX has ignored my request for an investigation as is there duty and obligation to as a data furnisher to the credit reporting agencies. On XX/XX/XXXX I entered into an agreement to settled in full my account ending in XXXX, and this was fulfilled on XX/XX/XXXX. I received a letter dated XX/XX/XXXX that indicated they would be reporting my account to the credit bureaus as a XXXX balance. Well for months now, I have been writing to the credit bueraus and to XXXX XXXX to request an investigation into the matter as to why the account still shows a balance. But not just any balance, a balance that is significantly larger than what it was before, almost as if the payments I made were ADDED to the account instead of subtracted from the balance. 

This error was present on my report for more than 6 months, and I have yet to receive any response or correction notice from XXXX XXXX indicating that they have corrected this mistake. At this point, I have sent them XXXX different demand letters dated XXXX, XXXX, and XXXX of XXXX. In addition, credit bureau disputes have been filed with XXXX XXXX  and Transunion and to date XXXX XXXX has not taken any action with respect to the egregious error they are making.

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 2025-05-21 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: CA

Complaint narrative:
XXXX XXXX has ignored my request for an investigation as is there duty and obligation to as a data furnisher to the credit reporting agencies. On XX/XX/XXXX I entered into an agreement to settled in full my account ending in XXXX, and this was fulfilled on XX/XX/XXXX. I received a letter dated XX/XX/XXXX that indicated they would be reporting my account to the credit bureaus as a XXXX balance. Well for months now, I have been writing to the credit bueraus and to XXXX XXXX to request an investigation into the matter as to why the account still shows a balance. But not just any balance, a balance that is significantly larger than what it was before, almost as if the payments I made were ADDED to the account instead of subtracted from the balance. 

This error was present on my report for more than 6 months, and I have yet to receive any response or correction notice from XXXX XXXX indicating that they have corrected this mistake. At this point, I have sent them XXXX different demand letters dated XXXX, XXXX, and XXXX of XXXX. In addition, credit bureau disputes have been filed with Experian, Equifax, and Transunion and to date XXXX XXXX has not taken any action with respect to the egregious error they are making.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
My student loans were forgiven under the PSLF program. I checked my credit report today and some of the loans are now appearing. Studentaid.gov is showing my balance as XXXX. I need them removed from my credit report with the balances as XXXX and the accounts closed. There is no reason for them to be showing a balance.

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 2025-05-21 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: CO

Complaint narrative:
My student loans were forgiven under the PSLF program. I checked my credit report today and some of the loans are now appearing. Studentaid.gov is showing my balance as XXXX. I need them removed from my credit report with the balances as XXXX and the accounts closed. There is no reason for them to be showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX sent property tax bill in XXXX, there are XXXX tax bills under the same XXXX details ( Owner name/property address ) someone in servicing overlooked paying my second bill. Since I've been diligent in paying my escrows each month, the penalties should be covered by the mortgage company. The company denied taking any responsibility paying for my tax bill and advised me to pay out of pocket regardless i had adequate balance on my escrow. i tried to escalate this to upper management and the XXXX XXXX XXXX ( case # XXXX ) said this will take XXXX business days after receiving my uploaded document ( the overdue tax bill ) which takes another XXXX business days to respond. after their investigations it would take another XXXX business days for escrow to pay if they choose to do so. XXXX XXXX penalty and fees are piling up every month due to unpaid tax and i believe it is the company 's responsibility to reimburse penalty fees instead of taking out from my escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I filed bankruptcy in XX/XX/year> and Credit Acceptance Corporation XXXX XXXX XXXX XXXXXXXX, Mi, still has it listed as a repossession which is affecting my credit it been dealing with the credit bureau but no one want fix this to say included in bankruptcy I just 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 2025-05-21 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX made it so difficult and hard just to get a {$5000.00} car loan from them then they wanted to charge me an additional {$2000.00} on top of the {$5000.00} and then they said I can be on the title and my dad can be the cosigner so I told them no well then a little time went by I'm still at the car lot magically the company called back to the dealership and said that I can be the only one on the title that it was a mistake from an employee that just started. Well then they lied again because after being on the phone for 45 minutes with a man that was very rude trying to tell me and my dad more covers on the vehicle that we did not want and we kept telling him no we don't want it we don't want it and he kept talking and interrupting us then at the end of the phone call the guy said no the title will be in both of your names and we said we already told you we didn't want to do that and then he started getting rude with my dad and I again because we were on a conference call I am getting an attorney. And then the car lot decides to keep my {$4000.00} down payment on the car even though the sale was voided. They are the worst financial lender I have ever dealt with in my life and the rudest and they are complete liars. And every phone calls recorded I want that recording because I am definitely filing a lawsuit for XXXX and XXXX XXXX for me and my XXXX father and because they are liars. It wasn't only going to charge me 18 % for the {$5000.00} loan that I was going to get from them they were charging us an additional 15 % annually. This lender is a joke and they are scam artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
b'Subject: Formal Dispute of XXXX  Debt  Request for Deletion from Credit Report\nDear Credence Resource Management,\n\nMy name is XXXX XXXX  and I am writing to formally dispute a debt in the amount XXXX XXXX which your agency is reporting on behalf of XXXX This item currently appears on my XXXX credit report and is negatively affecting my financial stability and future opportunities.\n\nThe disputed debt is related to a router account that was canceled due to a move during my divorce proceedings at the time I resided at XXXX XXXX XXXX XXXX. The equipment was no longer in use, and I notified the provider of the cancellation. XXXX  has been unable to verify the validity of this charge and has not provided any documentation proving this debt is owed.\n\nKey Points of Dispute:\nI have not received verification of this XXXX  debt as required under the Fair Debt Collection Practices Act.\n\nThis item is only reporting on XXXX and is causing punitive damage to my credit standing.\n\nI am currently unable to obtain a student loan, apply for bank loans, or access other forms of credit due to this derogatory status.\n\nThe item is affecting my ability to rebuild my life post-divorce and is placing undue financial hardship on me.\n\nResolution Requested:\nI am formally requesting that this item be:\n\nDeleted immediately from my credit file across all credit reporting agencies.\n\nCease all collection activity unless proper documentation validating the debt is provided in compliance with federal law.\n\nThis letter is being sent in good faith and is also being submitted to the Texas State Attorney Generals Office and the Consumer Financial Protection Bureau for official record.\n\nPlease confirm in writing once this matter has been resolved or if you require any further information from me. I appreciate your prompt attention to this dispute.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
* * Subject : * * Unauthorized Transactions Dispute PayPal Account * * My email address ( as the buyer ) : * * XXXX To whom it may concern, I am writing to formally dispute a series of unauthorized transactions that were charged to my PayPal account without my consent. These payments were sent to a seller using the email address : XXXX. 

Despite multiple attempts to report the issue and file disputes directly with PayPal, they rejected all my claims and refused to refund the withdrawn amounts.

I affirm that I did not authorize or initiate any of these transactions, and I believe I am a victim of fraud or unauthorized access. I also possess documents and evidence from several communications with this seller, in which he clearly admitted that he did not provide me with any product or service in return for the payments.

Additionally, I want to point out that PayPal handled the matter in an unprofessional manner. Their customer support lacked honesty and transparency, and their responses were consistently irrelevant to my concerns showing a clear attempt to avoid responsibility through vague and evasive replies.

I request the Consumer Financial Protection Bureaus assistance in investigating this issue and holding PayPal accountable for failing to protect my consumer rights.

Please let me know if any additional documents or evidence are required from my side.

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX  for reporting an inaccurate late payment on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The creditor has reported a late payment for the account dated XX/XX/year> which is not accurate based on my records. I have contacted the company directly and requested proper verification of the alleged delinquency, but they have either failed to respond adequately or could not provide documented proof to support their reporting. 

Under FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are required to report only accurate and complete information to the credit bureaus. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate items and receive timely investigation and correction. 

I believe that this company has violated its obligations by : Reporting unverifiable and inaccurate negative information; Failing to provide documentation or proper validation of the late payment ; Continuing to report the disputed information after being notified of the inaccuracy.

I am requesting the CFPBs assistance in having this unverified and inaccurate late payment removed from my credit file with all credit reporting agencies, as it is negatively impacting my creditworthiness and was not reported in compliance with the FCRA.

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