vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
I recently contacted a company that I believe brokers applications for Beyond Finance. During my initial phone call with them, I was told several things that ultimately turned out to be untrue after I enrolled in their service. 

Before signing up, I made it explicitly clear that I had XXXX non-negotiable condition : any settlement offer would need to include specific terms on how the creditors remarks would be reported to the credit bureaus. I explained that I was already enrolled in a hardship program with XXXX creditor, and they had informed me that missing a payment would result in negative reporting in the form of a suspended account status. To avoid that outcome, I stated that any proposed settlement must include conditions regarding credit reporting. 

I was assured on the phone that this would not be an issue and that my condition could be conveyed to the creditor as part of the negotiation process. However, now that Im enrolled, Im getting the runaround. The representatives are speaking in circles and saying things like, We dont determine what is reported to the credit bureaus, sir. They know full well what I am saying, but are just talking in circles. I am starting to think that this company doesn't even verbally talk to the creditors. 

This is completely unacceptable. They are supposed to be the mediator in this process. I am not asking for them to control what is reportedI 'm simply asking them to communicate my condition to the creditor, which I was initially told they would do. 

Whats even more concerning is that they are now telling me this type of discussion happens after an agreement is reached. That is false. The document they are asking me to sign is titled Settlement in Full Agreementa term that can also appear as a negative remark on credit reports.

Ive worked in credit risk and finance since 2006. I know exactly what I asked and what I was told. In my opinion, this situation may qualify as a UDAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation. 

Had they been honest with me from the beginning, I would not have signed up for their servicenor would I have stopped making payments to my creditors, as they instructed me to do. As a result, my credit is now severely damaged. 

At the very least, I would have handled the negotiations myself. Ive done it successfully in the past and know exactly how the process works. I chose to use this service because I believed it would be more convenientI simply dont have the time to send repeated dispute letters to credit agencies and creditors. But had I known I was being misled, I absolutely would have taken the time to do it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding a disputed debt related to a timeshare agreement with XXXX XXXX XXXX XXXX XXXX Experiences. Both XXXX XXXX and a third-party collections agency, Meridian Financial Services , are actively attempting to collect on the same alleged debt, which I do not believe is valid. 

The original timeshare agreement was obtained under highly questionable and unethical circumstances, including : High-pressure sales tactics : I was subjected to prolonged and aggressive pressure that limited my ability to make a rational and informed decision. 

XXXX consumption : XXXX was provided and/or encouraged during the sales presentation, which further impaired my judgment. 

Misrepresentation of terms : The product was presented to me as a real estate investment with deeded ownership. I was told I was purchasing an asset with appreciating value. Only after signing did I learn this was actually a membership-based program with no deed, no equity, and no investment potential. 

Additionally, both XXXX XXXX and Meridian Financial Services are attempting to collect on this disputed account, resulting in duplicate and conflicting collection efforts. I have no relationship with Meridian Financial Services, and they have failed to provide any documentation proving that I owe this debt or that they are legally authorized to collect it. Additionally, Meridian Financial Services backdated a collection date before they notified me, did/do not have a correct legal name listed, and never verified the debt. Finally, they have not responded with documentation to any disputes raised with the credit bureaus. 

These issues raise serious concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The dual collection attempts, lack of clarity, and deceptive practices surrounding the original transaction have caused financial harm and emotional distress.

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 2025-06-04 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: MS

Complaint narrative:
i sent letter to experian about the inaccurate reporting of information on my credit report and they just updated it as verified when in fact it is inaccurate and a violation of the fcra. i am requesting immediate deletion of these accounts or i will litigate.i even reach out to the creditors and they haven't provided anything as of yet which is a 15 usc 1681s-2 violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-04 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 





NEGATIVE ACCOUNTS : XXXX # XXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$190.00} XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX -- {$850.00} TU UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 





NEGATIVE ACCOUNTS : XXXX # XXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$190.00} XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX -- {$850.00} TU UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-04 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: TX

Complaint narrative:
I am writing to formally dispute the following accounts appearing on my credit report, as I did not open, authorize, or have any knowledge of these accounts. These accounts appear to be fraudulent and have caused me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
This lender is is incorrectly reporting information. My account was paid off less than 20 days ago. I am past due on my last payment and they reported the account as over 30 days delinquent before 3 days. I have also had to previously make 2 full payments when Ive missed a single payment which seems like Im being over charged. They also recently revised the account and said I am missing XXXX payment, I made payments in XXXX and the account was previously marked as paid until XXXX. This is clearly suspicious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
This lender is is incorrectly reporting information. My account was paid off less than 20 days ago. I am past due on my last payment and they reported the account as over 30 days delinquent before 3 days. I have also had to previously make 2 full payments when Ive missed a single payment which seems like Im being over charged. They also recently revised the account and said I am missing XXXX payment, I made payments in XXXX and the account was previously marked as paid until XXXX. This is clearly suspicious behavior.

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 2025-06-04 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: MD

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MD

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX Citizens Bank, XXXX XXXX XXXX, XXXX, MA To Whom It May Concern, I am writing to formally file a complaint regarding the mishandling of my checking account at the Citizens Bank branch located at XXXX XXXX XXXX, XXXX, Massachusetts. 

I opened this account specifically for regular personal transactions. However, a series of serious errors and miscommunications by the bank have led to financial loss, account misrepresentation, and my account being wrongfully placed into collections. 



Incident Summary : On XX/XX/XXXX, I was supposed to receive {$1000.00} via XXXX. 
I made a cash deposit of {$500.00} on XX/XX/XXXX, and another {$500.00} cash deposit on XX/XX/XXXX. 
Instead of accurately recording these deposits as cash, the bank listed them as credit memos, which is incorrect and misleading. These were direct cash deposits made by me in person. 
On XX/XX/XXXX, {$500.00} was randomly withdrawn from my account, with the bank claiming it was related to a credit memo reversal. I never authorized or received a credit memothis was my personal cash that was misclassified by the bank. 
This unauthorized withdrawal resulted in a negative balance, eventually putting my account into collections for {$440.00}. This financial damage was caused by a mistake the bank acknowledged but refused to correct.

I contacted Citizens Bank Corporate, and a supervisor assured me that they would investigate the matter and follow up. I have received no response to date. 



Additional Issue Mishandled XXXX  Transfer : I also received a {$500.00} XXXX payment, which was never credited to my account. 
When I contacted customer service, I was told my account had been locked, and that the representative would release the {$500.00} to my account. 
However, there was no clear explanation, and instead of crediting the money properly, the bank issued another credit memo. 
A month later, Citizens Bank removed the {$500.00} again from my account, claiming it was part of a credit memo. 
I never received the original {$500.00} XXXX transfer, nor did I receive the funds that were allegedly credited to resolve the issue. 



Sincerely, XXXX XXXX XXXX Last 4 account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CT

Complaint narrative:
You are unlawfully reporting an unauthorized inquiry on my credit report dated XX/XX/year>. I did not authorize this inquiry, nor have I initiated any transaction with CAPITAL ONE AUTO FIN. You have no legal basis or permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) to access my credit file.

This unauthorized access also constitutes a violation of federal law under 18 U.S.C. 1028A, Aggravated Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
2. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Unable to deposit XXXX Escrow checks from Specialized Loan Servicing ( Shellpoint Mortgage ) Check XXXX XXXXXXXX For the amount of {$2000.00} Check XXXX XXXXXXXX For the amount of {$4000.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Since this late payment does not fairly represent my payment history, I respectfully request its immediate removal from my account. I have always paid on time, so this inaccurate entry is unjust. Kindly update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing these accounts as fraudulent. I was not informed of their existence and did not consent to their creation. In accordance with 15 U.S.C. 1681g, I demand their deletion within 15 days.

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