vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. Under 15 USC XXXXB this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  I was never late on this account. Please remove inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX OF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete at once XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please delete at once XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete at once XXXX. This account is unknown and I did not authorize this account. It's unauthorized account and it appears to be fraud XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete at once. 
XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Employers XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXXXXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation

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 2025-08-29 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: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I paid a settlement amount of {$300.00} to XXXX as part of an agreement in which they offered to remove the negative item from my credit report upon payment. I completed the payment in full, as agreed. 

Following the payment, I noticed that the negative account remained on my credit report. I disputed the item with the credit bureaus and attempted to contact XXXX to address the issue. Despite my efforts, I received no response or resolution from the company. 

This situation has caused a noticeable drop in my credit score and has led to unnecessary stress and frustration. I upheld my end of the agreement by paying the settlement in full, and I believe XXXX has failed to honor the terms of our agreement.

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 2025-08-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After I purchased a finance agreement through XXXX XXXX XXXX. From a dealership in Colorado for a XXXX XXXX that was used I made payments until the vehicle could no longer be used for driving due to a ABS issue. I hade all account information received during purchase and gave the vehicle and paperwork to a Used car auto sales lot for a requested pay off and removal from my credit for financial responsibility to be transferred for resale the vehicle loan was replaced on my credit after a third party credit financial institution service JPMCB Auto Finance Llc. They have no information at the local branch of write of status and are following up with branch managers to find out why it is still on my credit after XXXX years even with additional pay off from the third party credit report through the collections department. The Used Vehicle also has a XXXX installed in it with my account information attached to the key and vehicle internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-02 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: PA

Complaint narrative:
I am disputing the XXXX XXXX auto loan tradeline that is being reported by all three credit bureaus. This account is inaccurate, incomplete, and legally unverifiable. I am requesting deletion of this tradeline in compliance with the Fair Credit Reporting Act ( FCRA ). 

1. Predatory Contract Terms ( TILA/Regulation Z ) My Retail Installment Sale Contract with XXXX  contains a deceptive clause : Unearned finance charges will not be rebated.

This means that even though the contract advertised no prepayment penalty, XXXX treated all interest as fully earned even after early payoff. 
This is a predatory and misleading disclosure under the Truth in Lending Act ( TILA ) and Regulation Z.

2. Improper Repossession Reporting ( UCC Violations ) XXXX  has never provided documentation of the repossession, including : Date, time, and manner of the repossession.

Name and license of the repossession company. 
Compliance with UCC Article 9 ( Sections 9-611 & 9-616 ) requiring a Notice of Repossession and Deficiency Balance Statement.

Without this documentation, the account is unverifiable and should not be reported. 

3. Incomplete Verification ( FCRA 607 ( b ) & 609 ) The bureaus are required to maintain complete and accurate records.

I am entitled to the exact sources of verification, including the original signed contract and full account history ledger not just monthly summaries or recycled PDFs. 
No such evidence has been produced. 

4. Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) ) I demand disclosure of the method used to verify this account, including the name, title, and employer of the verifier, and the documents relied upon.

Absent this, the account is unverifiable. 

5. Legal Liability Continued reporting of this unverifiable account constitutes : Willful noncompliance under FCRA 616 & 617.

False communication of debt under the FDCPA ( 15 U.S.C. 1692e ( 8 ) ).


Deceptive loan disclosure under TILA/Reg Z .

Unlawful repossession practices under UCC Article 9.

Demand for Relief Given XXXX  failure to provide legally required documents, this tradeline is unverifiable and must be immediately deleted from all credit reports. If not removed, I reserve the right to pursue damages in federal court. 

Supporting Evidence : Copy of the signed XXXX XXXX  Retail Installment Sale Contract ( showing predatory no rebate clause ). 
Evidence of early payoff with no rebate of interest. 
Lack of repossession notices or UCC-compliant disclosures.

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 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a recast request to Shellpoint Mortgage Servicing exactly as their representatives instructed. I mailed : - A {$90000.00} principal reduction check - A {$250.00} recast fee check - A signed recast authorization form - A cover letter making my request clear Shellpoint deposited both checks ( totaling {$90000.00} ) but misapplied the {$250.00} fee to principal rather than recording it as the fee. Because of this error, my recast has not been finalized nearly four months later. 

Since then, I have received contradictory and misleading information : - XX/XX/scrub>XXXX XXXX  : I was told the recast was complete. 
- XX/XX/scrub>XXXX XXXX XXXX  : I was told it was not complete, but that an internal request would be submitted. 
- XX/XX/year> : I was told the same again, with no proof of action. 

To this day, Shellpoint has not provided a written recast confirmation or an updated monthly payment schedule. My funds remain misapplied and my loan is in limbo. 

This issue is part of a larger pattern. Since XX/XX/year>, when I first inquired about a recast, Shellpoint has : - Given me incorrect information on numerous calls, often contradicting earlier statements- Refused to allow escalation beyond frontline reps- Claimed applications or internal requests were submitted when they were not - Failed to document calls in a way visible to me- Ignored written requests unless I involved the CFPB It has now been over seven months since I first asked about a recast, and Shellpoints delays and errors have cost me thousands of dollars in additional interest payments that should have been avoided once the recast was processed. It is not hyperbole to say this has been the worst customer service experience of my life in any industry.

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 2025-08-29 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-29 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company : Wells Fargo Bank Product : Credit card ( balance transfer ) Issue : Account closure / billing disputes/ inability to pay online I transferred approximately {$6600.00} to my Wells Fargo checking account through a balance transfer offer. Immediately after the transfer was processed, Wells Fargo closed the account due to inactivity, which they later acknowledged over the phone multiple times was a system glitch. 

This closure has caused multiple problems : XXXX. Unreasonable payment restrictions : Because the account is closed, it does not appear in my online Wells Fargo account. In order to make timely payments, I have been forced to call each month to make a payments. I have been spending approximately XXXX XXXX  each month on the phone trying to make paments and resolve the issue. This has been burdensome and unnecessary. Wells Fargo has refused to provide me with normal online payment access. 
XXXX Credit score damage : By closing the account, Wells Fargo reduced my available credit limit, which has artificially raised my credit utilization ratio and lowered my credit score. I had no control over this action and was not given proper notice or opportunity to prevent it. 
XXXX. Unfair treatment : Wells Fargo benefited from collecting a fee from my {$6600.00} transfer but simultaneously created unnecessary obstacles for repayment. I consider this unfair and potentially deceptive, as the balance transfer was marketed as a helpful financial tool but instead harmed my credit profile and created extra burdens. 

Desired Resolution : - Immediate restoration of online payment access for this account, or a simple method of repayment that does not require phone calls each month. 
- Correction of negative impact on my credit report, including restoration of the credit limit or other remedy to offset the damage caused by Wells Fargos unilateral closure. 
- Written explanation of why the account was closed and the balance transfer was granted as well as assurance that this will not happen again. 
- Compensation or other relief if applicable, for the harm and inconvenience caused. 

Upon requet, I can provide any necessary supporting evidence, including but not limited to : - Dates/times of monthly calls to make payments. 
- Balance transfer records showing the {$6600.00} transaction. 
- Proof of credit score decline after Wells Fargo reduced available credit. 

Respectfully, XXXX XXXX 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 monetary relief
Consumer complaint received 2025-08-29 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: DC

Complaint narrative:
I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. CFPB REPORT # XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. cXXXXe XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

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 XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX 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
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
They randomly said I violated terms and suspended my account. For no reason didnt give me an actual answer. Honestly I dont care to use the account anymore I just want my money they still have sitting in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation