vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX MI XXXX A student was opened at ( DEPTEDXX/XX/XXXXon XX/XX/year>, Balance {$3500.00} ). 

After checking an updated copy of my consumer FICO credit report, I have found a few accounts listed above that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of this debt, but I am denying that I am the responsible debtor. I am also aware that mistakes happen, I believe these accounts can belong to someone else with a similar name or with my information used without my consent either from the furnisher itself or an individual. In accordance with the Fair Credit Report Act, your agency is required to do a reasonable investigation into the matter of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward, I hereby demand that the accounts listed above legally validated or be removed from my consumer FICO credit report immediately. I understand that you must complete this investigation within 30 days of receiving this letter. Please send all replies to the address above with an updated copy of my consumer FICO credit report, after all investigations are properly done.

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 2025-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
Due to damage to our prior primary residence and rental properties from XXXX XXXX, my being in a horrific car accident in late XX/XX/XXXX and my wife taking unpaid leave to care for her mother in early XXXX, my wife and I failed to pay our XXXX and XX/XX/XXXX mortgage payments. In XX/XX/XXXX I contacted my mortgage company, United Wholesale Mortgage, to request a six month forbearance. It was agreed that I would bring the account current by the end of XX/XX/XXXX. 

In late XXXX my wife and I ran into a bit of additional financial difficulty when we needed to place my mother in-law into assisted living and we had to incur the costs of establishing her residency there. So in XXXX I called the mortgage company again and requested an extension of 3 months on our forbearance. Given the fact that we are still in a XXXX disaster area and our circumstances as well as the fact that the account was almost fully paid up, the mortgage company agreed. My wife and I have paid the account as promised and by late XXXX the account will be fully current. 

In late XXXX our account was transferred internally from one servicing department to another. Because of this transfer the forbearance was not extended as requested and agreed to. Hence the mortgage company reported our account 60 days late to the 3 main credit bureaus which dropped our credit scores by over XXXX points each. 

That drop in credit score has now prevented us from securing short term financing to install a whole home solar system with battery backup, is preventing me from refinancing debt on my rental properties and to reduce the rate on our VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: FL

Complaint narrative:
In 2021 I accepted a plea deal which I had to do felony probation, for an adjudication withheld deal. Now every time I do I apply for a job the credit report its reporting that I have felony charges.I was never convicted of any charges in that case, nor did I do any time for any of those charges. I was never proven guilty and the only reason I took the plea was because the judge told me that if I did the probation and anger management classes that I wouldnt be scrutinized as of if I was a felon. Fast forward to this day four years in the future it still being reported that Im a felon and I have never have a trial or had ever been proven guilty of something I didnt do or cause but was in the middle of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My experian credit report has an arrest on it. I was the victim. The case was dropped and I was never charged. I called the company that reported it to experience, and it was already removed from their system so they couldn't help me. But it's still on my report in Experian. I also have an Eviction on my report. I had a later that was provided by legal Services. It was not an eviction. I chose to leave because the home was unlivable and about to cave in. My lawyer can prove this but legal services won't give me his name. XXXX. I don't remember his name. I am XXXX, XXXX, XXXX, XXXX XXXX XXXX somewhat, and I've been XXXX  for XXXX  years. I can't get an apartment with these untrue reports and I can't afford a lawyer to do it. CT legal services do not provide a lawyer for this.

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 2025-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In several occasions I requested copies of personal Wells Fargo checks number XXXX ( {$530.00} ) and XXXX ( {$1200.00} ) and check from XX/XX/year> ( {$1400.00} )!! All three times I was denied help with no explanation but that check s can not be found!

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 2025-08-13 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: TX

Complaint narrative:
I sent a certified letter to Experian on XX/XX/2025 with tracking # XXXX it shows the delivery date of XX/XX/2025 at XXXX In XXXX TX . The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$30.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$5800.00} ( ACCOUNT # XXXX ) XXXX  XXXX - {$620.00} ( ACCOUNT # XXXX ) XXXX  XXXX - {$31.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/2025 which they failed to respond once again.

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 2025-08-13 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-13 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts and information related to identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through Equifax Data breach, which exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-08-13 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts and information related to identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through Equifax Data breach, which exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-08-13 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:
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. 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 2025-08-13 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: CARS Acquisition, LLC
State: LA

Complaint narrative:
I was contacted by XXXX XXXX XXXX  regarding an alleged debt. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ), the debt collector must send me a written notice within five ( 5 ) days of the initial communication containing the amount of the debt, the name of the creditor, and my rights to dispute the debt.

I have never received this written notice by mail or any other method, even though more than the required timeframe has passed. As a result, I have been deprived of my rights under federal law to timely dispute and request validation of the alleged debt.

This is a violation of the FDCPA and I am requesting that the CFPB take enforcement action, ensure the debt collector provides proper notice, and that any collection activity cease until compliance is achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
JC Penney started charging a {$1.00} to continue to receive their paper credit card statements. I have had JC Penney 's card since XXXX. In order to avoid the fee, I had to move to electronic billing via email. I was hesitant to do this since JCPenney & every other store sends thousands of emails so it makes identify something important like a statement difficult. Against my better judgement, I moved to the electronic statement to avoid the fee. I don't recall seeing anything about a bill or issue from JCPenney or their bank - Synchrony. Because I never saw or received the email I neglected to pay my bill. I had this account for over 40 years. Never late on my payments, EVER. Instead of a phone call or letter, they allowed this to drag on, without any other type of notification and flagged my account as a collection issue, and denied my next transaction at the register. Needless to say I was completely embarrassed. I had to call them to find out what the issue was. I paid the bill immediately. I believe they had an obligation to notify me via phone call or via hard copy of the nonpayment issue. JCPenney/ Synchrony Bank are so pompous and un-customer focused that they think this is the only card/email a consumer receives. Needless to say I will be ending my relationship with JCPenney, but believe this is an issue for other consumers. 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 explanation
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
I am submitting this complaint to report inaccurate information that is appearing on my credit report, which is negatively impacting my creditworthiness. The disputed item ( s ) are either incorrect, outdated, or do not belong to me. I have already contacted the credit reporting agency and the furnisher of the information to request verification and correction, but the errors remain unresolved. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable. I am requesting that the CFPB investigate this matter, ensure the disputed information is properly verified, corrected, or removed, and confirm that my consumer rights are upheld. 

Supporting documentation, including my dispute letters, credit reports highlighting the errors, and any responses from the reporting agency or furnisher, is included for review.

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 2025-08-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint to report inaccurate information that is appearing on my credit report, which is negatively impacting my creditworthiness. The disputed item ( s ) are either incorrect, outdated, or do not belong to me. I have already contacted the credit reporting agency and the furnisher of the information to request verification and correction, but the errors remain unresolved. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable. I am requesting that the CFPB investigate this matter, ensure the disputed information is properly verified, corrected, or removed, and confirm that my consumer rights are upheld. 

Supporting documentation, including my dispute letters, credit reports highlighting the errors, and any responses from the reporting agency or furnisher, is included for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation