vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
b'I am disputing the inaccurate reporting of a XXXX XXXX XXXX account on my Experian credit report.\n\nOn XXXX XXXX XXXX I settled this account in full for XXXX under a written settlement agreement with XXXX XXXX XXXX. I have attached the settlement agreement and proof of payment.\n\nDespite this, Experian continues to report:\n\nA charge-off dated XXXX XXXX  after the account was already settled.\n\nA status of Paid in settlement. XXXX  written off, which misrepresents the actual terms of the settlement.\n\nThis information is false, misleading, and damaging to my credit file.\n\nI have disputed this account with Experian on the following dates:XXXXnEach time, Experian returned the account as verified accurate despite my submission of proof showing otherwise, most recently on 09/03/2025.\n\nViolations of the FCRA:\n\nExperian has failed to conduct a reasonable reinvestigation as required under FCRA 611 (15 U.S.C. 1681i), given the repeated pattern of ignoring evidence.\n\nWells Fargo, as the furnisher, has failed its duty under FCRA 623 (15 U.S.C. 1681s-2) to report accurately and to investigate disputes forwarded by 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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
My loan was sold to United Wholesale Mortgage and it has been XXXX on earth. I am a XXXX veteran and I have been trying to get my taxes fixed. This company has a wait time of over an hour, every single time when I call. Multiple XXXX reviews say the same thing. Their chat is always down, and it is nearly impossible to get to anyone. Myself, and many others Im assuming do not have over an hour to be waiting on hold to speak to someone. 

The XXXX times I have gotten ahold of someone they were rude and unpleasant. 

This company is shady and they are trying to operate in a shady ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am formally disputing the account reported as XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports, as it contains multiple errors and inconsistencies among the three bureaus ( TransUnion, Experian, and Equifax ). 

According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), you are required to report information that is complete, accurate, and verifiable. However, this account reflects contradictory data that has unfairly damaged my credit history. Below are the errors : 1. Reported Balance : TransUnion reports a high balance of {$4100.00}, while Experian and Equifax report {$0.00}. 
This discrepancy is unacceptable and shows a lack of accuracy.

2. Dates of Activity and Closure : TransUnion lists the last payment as XX/XX/XXXX, while Equifax reports the last payment as XX/XX/XXXX. 
The account closure date also differs, with TransUnion showing XX/XX/XXXX, while the others report no closure date.

3. Account Status : TransUnion and Equifax report the account as XXXX, while Experian lists it as XXXX Legally paid in full for less than full balance. 
These contradictions affect the interpretation of my financial standing.

4. Rating and Remarks : Equifax marks the account as Derogatory, while TransUnion and Experian report it as Paid.

Additionally, the creditor remarks differ between bureaus, reflecting mishandling of a prior dispute. 

Because this information is contradictory, incomplete, and harmful, I demand under Sections 609 and 611 of the FCRA that you : Conduct a complete investigation of this account.

Immediately delete all inaccurate information. 
Permanently delete the account if you can not verify it with valid, signed, and verifiable documentation. 
Provide me with an updated and corrected credit report within the 30 days required by law. 

Maintaining inaccurate information has caused significant harm to my credit and constitutes a direct violation of the FCRA. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for negligence in your duty to report fair and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Multiple XXXX XXXX XXXX are being reported on my credit reports with Equifax, XXXX XXXX XXXX. The reporting is inaccurate, incomplete, and misleading for the following reasons : XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. The case shows {$0.00} assets, {$0.00} liabilities, and no discharge of debt. Despite dismissal, the account continues to be reported as a XXXX, negatively affecting my credit profile. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. Again, the case lists {$0.00} in assets, liabilities, or exempt amounts. Reporting a dismissed XXXX that resulted in no debt relief is misleading under the FCRAs accuracy standard. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX, dismissed on XX/XX/XXXX. The record shows {$0.00} in all categories, yet it continues to be reported. This dismissal means no repayment plan was completed and no debts were XXXX. 
XX/XX/XXXX Filing ( Ref # XXXX ) Filed XX/XX/XXXX and currently showing as Filed. I dispute the accuracy of this reporting and request verification directly from the XXXXXXXX XXXX XXXXXXXX. To date, no signed court documentation has been provided. 

Actions Taken I submitted written disputes to all three bureaus requesting removal of dismissed XXXX  and verification of the most recent filing. 
Each dismissed case continues to be reported despite showing {$0.00} balances and no discharge of debt, which creates an inaccurate picture of my creditworthiness. 
The credit bureaus have failed to correct or properly verify these entries within the 30-day window required under the Fair Credit Reporting Act ( FCRA ). 

Why This Is a Problem The continued reporting of dismissed bankruptcies with no debt relief or balances is inaccurate and misleading. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. Maintaining dismissed cases with {$0.00} values violates this requirement and causes ongoing harm to my credit standing. 

Requested Resolution I request that the CFPB require Equifax, XXXX XXXX XXXX  to : 1. Delete all dismissed bankruptcies from my credit reports.

2. Provide proper verification from the XXXXXXXX XXXX  XXXX for the XX/XX/XXXX filing ( Ref # XXXX ). If no verification exists, the entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: HI

Complaint narrative:
I found inquiries on my credit report that are not mine.

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 2025-09-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Synchrony case number is XXXX. There has been a restriction on my XXXX XXXX XXXX Account for around a month now due to external transfers I've made. I have spoken with XXXX customer service representatives throughout this period to find a resolution. When I asked for a timeline until resolution, they varied with XXXX representative saying XXXX day to other representatives saying a week. XXXX representative got me on a conference call with the external bank I was transferring money to/from to verify the account was in my name. Even upon verification, there still has been no resolution. This information is not acceptable. 
On my most recent call ( XX/XX/year> ), the representative said this case was still being reviewed and to " Check in here and there. '' I don't understand how it takes a month to review this account when it has already been verified that I am responsible for the transfers. This account contains emergency funds I can not access, and Synchrony has provided no clear explanation or timeline.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your message dated XX/XX/year> regarding my request for a copy of my Equifax credit report. 

I have already provided sufficient documentation to verify my identity, including : A copy of my passport A copy of my bank statement Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j, 1681i, 1681n, 1681o, I am entitled to a free copy of my credit report. Your refusal to provide it without a valid reason constitutes willful noncompliance. 

Your request for additional documentation beyond what I have already submitted is unreasonable and not required by law, particularly since you already have sufficient identification. Directing me to annualcreditreport.com does not absolve Equifax of its legal duty to provide my credit report upon request. 

I hereby demand that Equifax provide my full credit report immediately, and I expect written confirmation of compliance within 10 calendar days of this notice. Failure to comply will leave me no choice but to pursue all legal remedies available under FCRA, including : Filing a lawsuit for statutory damages of up to {$1000.00} per violation. 

Seeking injunctive relief to compel Equifax to provide my report. 

Filing a complaint with the XXXX  Attorney General and the Federal Trade Commission. 

This notice serves as a formal pre-litigation demand, and a copy of this correspondence will be used as evidence in any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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. 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 explanation
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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. 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 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
Several months ago I received a notification from XXXX to her cellular telephone that my personal information had been used to fraudulently obtain a account with XXXXXXXX XXXX XXXX  The past due amount for XXXX was {$2400.00} dollars and that another unknown account for an unknown business or debt was in the amount of {$420.00} dollars. 
I did not open any accounts with XXXX or anyone else and believe my personal information was used by someone to open these fraudulent accounts. 
The first alert with XXXX  with an alert date of XX/XX/year> with a balance due of {$420.00} dollars and an account open date of XX/XX/year>. The second screen shot was also from XXXX  with an alert date of XX/XX/year> with a balance due of {$2400.00} dollars. This account was opened on XX/XX/year> and I found XXXX fraudulent accounts XXXX for XXXX XXXX for {$420.00} dollars and another fraudulent account in the amount of {$2400.00} dollars for a XXXX XXXX account. I found a couple address and telephone numbers on my credit report which i disputed with the credit bureau 's. 
I filed a identity theft complaint with the XXXX  Attorney General 's website and with the Federal Trade Commission. 
I discovered XXXX address 's that were not mine that were listed on her credit report. The address were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A telephone number of XXXX that was not mine was also listed on my credit report. The police ran the telephone number with the XXXX  application and learned that the Service Provider was XXXXXXXX  and that the account name was XXXX XXXX XXXX XXXX addresses of a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. All of this was originally taken on my credit, but the XXXX  account was sold to another collection agency, source receivables management, and now it is back on my credit again. I filed a dispute with XXXX  and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
am experiencing serious issues with Nissan Motor Acceptance Company ( NMAC ). I enrolled in their auto-pay system, which failed to process payments properly. Their online portal and mobile app frequently crash or lock me out, preventing me from accessing my account or making timely payments manually. 
Despite following all their instructions and contacting customer support multiple times, the system issues persist. I was told to " try again later '' or was disconnected while waiting for assistance. 
This has led to insert : late fees, payment confusion, credit report damage, even though I had the funds available and took reasonable steps to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An item
ized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-03 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:
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 rea
sonable 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