vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-18 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: PA

Complaint narrative:
I am seeking your help to remove unauthorized accounts listed on my credit report. I never opened or authorized them, and I was not notified of their inclusion. Pursuant to USC 1681g, I request they be removed within 15 days. Enclosed are supporting 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 2025-08-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
Sentry Credit Inc has collected {$250.00} every 2 weeks, starting XX/XX/XXXX to XX/XX/XXXX, from me and my husband due to a car that was repossessed in XXXX. 

I have asked for a breakdown of how much goes to principal and how much goes to interest. I believe they are denying me this report because they know they are not posting payments to the right places. 

This company is currently garnishing my wages but refuses to give me a breakdown of how much money they are charging me in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX  XXXX - XX/XX/year> - VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: PA

Complaint narrative:
Company reach us via phone call claimed they was a debt collection company. Said who they was collecting for. However I was never notified this account was even going to collections. We moved from one state to another changed the forward address days before moving too. They claim they sent letters etc and we never received one peice of paper from the usps. During this we reached out to file a complaint with the rental company property management team who supposedly all resigned during the same time. The debt collection employees that I spoke to was the rudest most un professional company employees I have ever delt with. Said I was lieing kept insisting I go to family and friends for money sells things etc to pay this debt immediately. I continued to ask if i can have the paperwork mailed to us so we could review everything and they wouldn't even consider the idea. Now I have over XXXX dollars of debt on my credit report that I didn't even have a fair chance to try and pay or make payment arrangements which they also refused when I asked during the one call. We have since changed our numbers to prevent conflict and also to update numbers to the area we live. However after months we still have never received paperwork stating anything they claim to have. Just because they have my information dose n't prove who they are or that they legally can collect debt. We feel it could be a scam. We also feel very attacked with how they communicate on the phone with people it was such a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to an account allegedly held by Portfolio Recovery Associates. 

This account it was filed in small claims court. However, the case was voluntarily dismissed by Portfolio Recovery Associates on XX/XX/year>, prior to the scheduled pre-trial date. 

Given that the case was dismissed and no judgment was entered, this account of {$2700.00} should not be reported as a negative item or collection account on my credit report. The continued reporting of this account is misleading and damaging to my credit profile. 

I sent a demand letter and never go a response from them I respectfully request that this account be removed from my credit report and that the credit reporting agencies be notified of the dismissal. I have attached supporting documentation including the court dismissal notice, for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX TRANSUNION : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} 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 2025-08-18 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX TRANSUNION : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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
State: CA

Complaint narrative:
On XX/XX/year>, three fraudulent charges labeled XXXX CC were withdrawn directly from my Venmo balance : {$490.00}, {$420.00}, and {$490.00} ( total {$1400.00} ). I did not authorize these transactions. 

After researching the merchant name, I confirmed XXXX is a XXXX inside City Centre XXXX XXXX XXXX, XXXX. I was physically in California, XXXX on XX/XX/XXXX and can document my location. My Venmo account was compromised. 

I use Venmo sparingly ( mainly during fantasy sports season ), so I did not notice the charges until Sunday, XX/XX/year>. I reported them immediately. After I notified Venmo, Venmo suspended my account, and it remains suspended. 

Venmo denied all three disputes as not unauthorized under Case XXXX XXXX, XXXX, and XXXX. This is incorrect. These were unauthorized electronic fund transfers covered by the Electronic Fund Transfer Act ( Regulation E, 15 U.S.C. 1693 ). 

I am requesting : ( 1 ) Re-investigation ; ( 2 ) Refund of {$1400.00} ; ( 3 ) Documentation showing how Venmo concluded these international charges were not unauthorized ; and ( 4 ) Lifting the account suspension upon resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I am formally disputing multiple inaccurate or unverifiable items listed on my XXXX credit report dated XXXX XXXX. This account may contain violations of the Fair Credit Reporting Act ( FCRA ) and or the Fair Debt Collection Practices Act ( FDCPA ). I request a reinvestigation in accordance with 15 U.S.C.1681i, and removal of any item that can not be fully verified within 30 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
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing multiple inaccurate or unverifiable items listed on my Equifax credit report dated XXXX XXXX. This account may contain violations of the Fair Credit Reporting Act ( FCRA ) and or the Fair Debt Collection Practices Act ( FDCPA ). I request a reinvestigation in accordance with 15 U.S.C.1681i, and removal of any item that can not be fully verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: MI

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 2025-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: IA

Complaint narrative:
My mortgage is escrowed for taxes and insurance. In XX/XX/year>, I received notice that my loan was being transferred from United Wholesale Mortgage ( UWM ) to UWM, with the official transfer on XX/XX/year>. Beginning in XXXX, my homeowners insurance company ( XXXX ) stopped receiving escrow payments and began drafting the premium directly from my bank account. 

Since then, escrow continues to collect money for insurance while I am also paying the insurer directly. This means I am being double charged. UWM has acknowledged in writing that my escrow is active and funded, but that they are not paying the insurance premium. They suggested I pay out of pocket or re-establish the mortgagee clause, which should have been handled during the servicing transfer as I understand it.

I have asked UWM multiple times to correct this. They have not paid the premium from escrow, nor corrected the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T purchased our mortgage from XXXX in XX/XX/2025 and it has not reported on my credit reports since. I have XXXX voice recordings between either myself and M & T, my husband and M & T, and all 3 of us. They have told us every time that it would show up by next month and nothing has happened since. 

We have never been late with our mortgage. They had an issue in their system with the autopay.

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 2025-08-18 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA & undefined ; 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA & ; 1681c-2 ( a ) :

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 2025-08-18 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX I ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
I am a victim of XXXX XXXX, the items listed on my XXXX credit bureas dnt belong to me. Ive never gace anyone permission or authorization to open these accounts in my name. Inquiries are XXXX XXXX XXXX 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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CFPB COMPLAINT INACCURATE CREDIT REPORTING ( SYNCB/PPC XXXX ) I am filing this complaint regarding inaccurate and outdated credit reporting by Experian involving a Synchrony Bank PayPal Credit account ( ending in XXXX ). 

On XX/XX/XXXX, Synchrony Bank approved a formal settlement plan for this account, which originally had a balance of {$3500.00}. Payments were structured through XXXX XXXX XXXX ( XXXX ), and I consistently met every installment. On XX/XX/XXXX, I completed the payment plan early by paying the remaining balance in full.

Despite this, Experian continues to report an outstanding balance on this account, which is factually incorrect and harmful to my credit profile. I submitted multiple disputes with Experian, providing : - Synchrony Banks official settlement offer - A detailed transaction report from XXXX XXXX XXXX showing all payments cleared - Evidence that the final balance was paid in full on XX/XX/XXXX The account should be reported as Paid Settled for Less than Full Balance with a {$0.00} balance. Experian has failed to update or correct the record despite full documentation. This violates my rights under 15 U.S.C. 1681i of the FCRA.

I respectfully request the CFPB to : - Require Experian to conduct a proper reinvestigation with Synchrony Bank - Ensure the inaccurate balance and status are corrected - Provide written confirmation of the updated account report This error is negatively impacting my ability to qualify for an FHA mortgage and must be resolved immediately.

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 2025-08-18 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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