vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I purchased my home in XX/XX/XXXX. At that time I bought down my mortgage rate. My mortgage payment from XXXX XXXX XXXX was {$2400.00} per month. 

In XX/XX/XXXX my mortgage was transferred to United Wholesale Mortgage and my initial payment to them in XX/XX/XXXX was {$3000.00}. Based on my review, the massive increase was due to payment of my homeowners ' insurance. 

However, when I checked my portal in XXXX my rate increased by another {$200.00}. I called on XX/XX/XXXX and they assured me that they were having issues with the buy down rate mortgages. They assured no payments were due and no penalties would be issued. Please keep in mind partial payments are not an option, so I could not simply pay the correct amount. I asked for a letter verifying this information and they said that would not be possible, but should be fixed by XX/XX/XXXX. 

My mortgage payment for XX/XX/XXXX should have been between {$2600.00} and {$2700.00}, as it was to increase by 1 %. 

When I checked my account on XX/XX/XXXX, my account had a late fee. I again called and was told they were still working on it. I asked what to do about my penalty and inquired if they were reporting this to the credit agencies. They could not give me an answer. I had my call escalated and was again told " they're working on it '' and couldn't give me a time frame and once again refused to put in writing that I am not required to make a payment, the late penalty would be removed, and that they will not report this as a late payment. 

This is giving me the impression of fraud, because it bewilders me why they are refusing to put it in writing, if not to avoid liability for potential fraud. It appears they are not adjusting to the correct price, not allowing payments for the correct amount ( because they're deemed partial payments ), applying late fees, and refusing to issue written documentation of phone calls to pressure homeowners to overpay on their mortgages out of fear of drop in credit score and/or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C.
1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have noticed that XXXX XXXX  continues to report a charge-off every month, which is an error under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 

This law requires furnishers to report information accurately and correctly. A charge-off should only be reported once, on the date the account was charged off, and not repeatedly each month. Repeated reporting is inaccurate and damaging to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They are contacting people associated with me and telling them information regarding a debt they allege I owe. Please note that I paid the company directly and have no outstanding debt with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date XXXX XXXX XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX'I am writing to dispute the inaccurate address information being reported on my credit file. \nPursuant to the Fair Credit Reporting Act (FCRA), I request that all incorrect and outdated addresses , Phone number and employers be removed immediately, as they are not accurate or associated with me.\n\nThe following addresses should be removed from my credit file as they are incorrect or outdated:\nAddressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXEnclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address.\n\nPlease conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. \nOnce your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX'I am writing to dispute the inaccurate address information being reported on my credit file. \nPursuant to the Fair Credit Reporting Act (FCRA), I request that all incorrect and outdated addresses , Phone number and employers be removed immediately, as they are not accurate or associated with me.\n\nThe following addresses should be removed from my credit file as they are incorrect or outdated:\nAddressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXEnclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address.\n\nPlease conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. \nOnce your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

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 2025-10-02 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: PA

Complaint narrative:
I have consistently paid this account on time and request that my record be corrected to reflect this accuracy. It is disappointing to encounter such an error given my reliable payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute letter on XXXX XXXX, XXXX by mail, to Experian XXXX. XXXX XXXX XXXX, TX XXXX This dispute was regarding my unverified and incorrect debt information with the company XXXX XXXX XXXX, account number XXXX, and other information inaccurate/inconsistent. 
The 5 business day rule implemented by the FCRA has surpassed since I initially sent this mail out ( its been about 15 business days since ) and I have not received any response from the credit reporting agency about them being aware of my letter or any acknowledgement of this letter, either. I have a receipt of this mail being sent out on XX/XX/XXXX, as well as a receipt of the stamps used at the time. I also have a photo of me sending the mail which has the date and time stamp on it on my XXXX. 
As per the FCRA, under 15 USC 1681i ( a ) ( 2 ) ( A ) it states " Before the expiration of the 5 business day period ... the agency shall provide notification of the dispute to any person who provided any item of information in dispute. '' With this being said, it has been passed the 5 business days and I haven't heard any update from this credit reporting agency.

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 2025-10-02 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 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 explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-02 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: PA

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX and made on time payments 99 % of the time. The vehicle had an issue with the computer control module where the car would randomly shut off while driving and XXXX in XXXX PA XXXX where i purchased the vehicle made XXXX attempts to fix the issue only for it to continue to happen and they refused to fix it further. I notified XXXX XXXX and was compensated to not make payments on the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to compensate for rentals due to the vehicle being inoperable. Later the payments showed up as late instead of them being current and I could not get a representative to fix the issue or verify the offer was verbally extended to me. I made the payments. 

I spoke with a representative named XXXX at XXXX XXXX and verbally secured a deal to pay off my remaining balance way early in exchange for having the XXXX late payments removed from my account. The balance was over XXXX usd and XXXX agreed to removed the missed/late payments in exchange for me paying off my vehicle loan. Needless to say that the car was paid off that day in full by me and the late/missed payments are still on my credit report. I have made attempts to call XXXX XXXX and dispute the late payments bringing up the verbal agreement 's I had with the company only to be told they can not confirm the agreements and/or removed the missed/ late payments. 

I have filed numerous disputes with all XXXX reporting agencies to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am providing additional evidence regarding Experians failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 & 607 ( b ) ). 

In my prior disputes, I specifically stated that the accounts from XXXX and XXXX XXXX XXXX were not mine and requested proof of ownership and validation. Despite this, Experian closed the disputes without obtaining any validation, instead marking the accounts with the remark : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This does not satisfy the requirements of a reasonable reinvestigation when the debt collector can not validate. 

On XX/XX/year>, at XXXXXXXX XXXX, I spoke with an Experian representative named XXXX on a recorded line. She admitted that Experian does not validate debts. Instead, Experian simply sends the dispute to the furnisher, and if the furnisher replies remains, Experian leaves the account reporting even when the consumer has disputed ownership multiple times. This is essentially a rubber-stamp process and not a lawful reinvestigation under the FCRA. Can provide audio clip upon request The furnishers in question have failed to provide debt validation, proof of ownership, or the Date of First Delinquency ( DOFD ), and XXXX  has already closed and deleted these same accounts after my earlier CFPB complaint # XXXX. Experians refusal to delete these unverifiable and re-aged accounts demonstrates willful noncompliance. A new complaint has been filed with the Texas AG, FTC and will now seek statutory damages ( {$1000.00} per violation ) + attorneys fees and damages

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 2025-10-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  # XXXX - Balance {$22000.00} -Date Opened XX/XX/XXXX XXXX # XXXX - Balance {$23000.00} -Date Opened XX/XX/XXXX XXXX # XXXX - Balance {$21000.00} -Date Opened XX/XX/XXXX XXXX # XXXX XXXX Balance {$4200.00} -Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - Balance {$6100.00} -Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Balance {$330.00} -Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief