vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
Bought my vehicle from XXXX XXXX. When it was time to sign the salesman made sure to get my dad out of the room when time to sign. I didnt want any extra warranty nothing extra at all. I told him that. Also he put in the paperwork that he would fix the miles per hour because it is in km and they would give me a gas cap because the car didnt have one. He never did any of the repairs that he said he would on the bill of sale. He added a ton of warranty i didnt want costing an additional XXXX XXXX dollars to my loan. I had 30 days to cancel the warranty. I made sure to go to XXXX XXXX  in the 30 days. The salesman same one that helped me was busy and when he finally got to me after a very long time I said i wanted to cancel the warranty that i never wanted he would not let me sign anything. I said to him I was told it needed to be signed and in writing to cancel and he said that my verbal was enough and he would personally take care of it and I tried to get him to have us do it in writing but he just kept carrying on being busy walking away and insisting verbal was good enough. I had and probably still have voice mails and texts of me calling many times about this and them not doing the speedometer that was on the bill of sale. I paid my car always on time I have a huge interest rate ended up paying much much more for the vehicle. It also had a break callback. They never removed the warranty and refuse and Im told it had to be in writing which is why I went an hour away in person and the salesman refused. I have contacted XXXX XXXX  many times and get no where i contacted who my loan is through because my car would be paid off now if he removed the warranty like i tried doing and did in my time frame I was supposed to. Reliable credit never does anything about it and says go through the car dealership I said he was the one who fraudulently put it on and fraudulently didnt let me sign to have it removed. I am not getting any help always paid on time until XXXX of XXXX i almost died was in hospital started having a lot of medical issues lost my job now Im having a hard time paying because Im ill and not working. I told them why would I start being late on my last XXXX XXXX I owe after being on time XXXX years. And if the warranty wasnt there Id owe nothing I cant sell the car i dont have title. I owe XXXX left having a tough time paying now so obviously if the only thing i can do is take him to court XXXX cant afford that and he knows it. This has caused me a great deal of stress and XXXX  and XXXX. The Lack of actual help and accountability is unreal. XXXX XXXX  does this to many customers I learned.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate credit reporting by XXXX XXXX on my consumer credit report. 

The account details are as follows : Creditor : XXXX  XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/2023 High Balance : {$420.00} Issue Reported : Late Payment XXXX  XXXX is reporting one or more late payments on this account. This information is incorrect. I have never made a late payment on this account. The reported payment history does not accurately reflect my actual account activity.

I previously disputed this inaccurate reporting with the credit reporting agencies and/or XXXX XXXX. However, the late payment notation continues to be reported, which indicates that the account was not properly investigated or verified as required under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, furnishers of information are required to : Report complete and accurate information Conduct a reasonable investigation when a consumer disputes information Correct or update any information found to be inaccurate or unverifiable XXXX XXXX continued reporting of an inaccurate late payment violates these obligations. 

I am requesting the following resolution : A full reinvestigation of the XXXX  XXXX account Correction of the payment history to reflect that no late payments occurred Written confirmation that the inaccurate late payment reporting has been corrected with all credit reporting agencies I am not requesting deletion of the accountonly that the account history be accurately reported. 

Please provide a timely and complete response through the CFPB portal detailing the results of your investigation and the actions taken to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Main Line Recovery Solutions, Inc.
State: MD

Complaint narrative:
Dear Collection Recovery Services, I am writing in response to your correspondence dated XX/XX/year> regarding the above-referenced account. 

I dispute this alleged debt in its entirety and do not acknowledge any obligation to your company or to XXXX XXXX XXXX. 

At this time, it is unclear whether Collection Recovery Services is legally authorized to collect on this account. Your letter failed to include the mandatory notice required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( a ) ), including notice of my right to dispute the debt and request validation within thirty ( 30 ) days. This omission constitutes a violation of federal law.

Accordingly, this letter serves as a formal demand for debt validation pursuant to 15 U.S.C. 1692g ( b ). Until proper validation is provided, you are required to cease all collection activity, including any credit reporting. 
To establish that you have a lawful basis to collect, please provide competent documentary evidence, including but not limited to : 1. Proof that Collection Recovery Services is legally authorized to collect this debt 2. Documentation of assignment or agency from XXXX XXXX  XXXX 3. A copy of the original contract or agreement bearing my signature 4. A complete, itemized accounting of the alleged balance 5. The date of first delinquency 6. Documentation supporting any claim that this account was reported to a consumer reporting agency Please note that verification is not validation. Internal account notes, database checks, or automated confirmations do not satisfy the requirements of the FDCPA and will be rejected.

Your letter states that this account has been reported to a consumer reporting agency. Because this alleged debt is disputed and unvalidated, any reporting or continued reporting of this account constitutes a false, misleading, and unfair collection practice, in violation of 15 U.S.C. 1692e and 1692f, including the failure to communicate that a disputed debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting an auto loan on my TransUnion credit report. The account reflects repeated monthly charge-off reporting long after the account was charged off, ongoing balance updates, and inconsistent payment history markers. 

Reporting a charge-off repeatedly every month after the account has already been charged off is misleading and violates the requirement for accurate and complete reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Furnishers must also correct and update inaccurate information under 1681s-2 ( a ) ( 2 ), which has not occurred.

TransUnion has an obligation under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy and under 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation. The continued reporting of this tradeline despite these inconsistencies demonstrates a failure to meet those obligations.

Because the information being reported can not be verified as accurate or complete, it must be deleted or properly corrected in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I accidentally deposited the same check twice through mobile deposit into two different bank accounts. The check amount was {$1100.00}. 

No funds were released or made available to me by either bank. The deposits were flagged as duplicate, and the check was not successfully negotiated. 

However, the check is now showing as cashed, which has caused confusion and serious issues with my employer, even though I never received the funds. 

I have requested written confirmation from Bank of America stating that the check was rejected or reversed due to duplicate presentment and that no funds were released, but I have not yet received this documentation. 

As a result of the lack of clear written confirmation, my employer is demanding a police report, despite this being an honest banking error with no financial loss and no fraudulent intent. 

I am requesting that Bank of America : Provide written confirmation that the check was rejected or reversed due to duplication Confirm that no funds were released to my account Correct any inaccurate reporting related to this transaction This situation has caused financial and employment hardship due to insufficient investigation and 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 monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These accounts are not tied to me and must be taken off within XXXX days as required by USC 1681g.

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 2025-12-16 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.

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-16 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: TX

Complaint narrative:
I have never authorized these accounts and request they be removed within 15 days per the Fair Credit Reporting Act.

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 2025-12-16 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint against the Equifax for violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) related to the continued reporting of inaccurate and unverified late payment information on my credit report. I formally disputed this account in writing, specifically the late payments being reported on my XXXX XXXX XXXX XXXX account ending in XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my dispute, the credit bureaus have failed to demonstrate that a reasonable investigation was conducted or that the information was verified with competent and legally sufficient evidence from the data furnisher. 

The continued reporting of these disputed late payments is damaging, misleading, and noncompliant with federal law. Under the FCRA, Equifax is required to ensure maximum possible accuracy and to delete or correct information that can not be verified. Simply parroting information from the furnisher without proper validation does not meet the standard of a reasonable investigation. The credit bureaus failure to correct or delete this inaccurate information constitutes willful and negligent noncompliance with the FCRA and has caused ongoing harm to my credit standing and financial opportunities. 

I am requesting CFPB intervention to ensure the credit bureaus comply with federal law and cease reporting inaccurate, unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On my XXXX  credit report, LVNV Funding LLC reported an account that is old and should not be associated with my credit. I did not authorize LVNV Funding LLC to access, report, or collect on this account. This reporting is inaccurate and has negatively affected my credit. I am requesting that this account be removed from my credit report and that any collection attempts on this account cease immediately. 



This appears to be a case of identity theft, as I never opened, authorized, or used this account. I have attached supporting documentation, including my credit report, showing the inaccurate reporting by LVNV Funding LLC. Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) ). This account was improperly re-aged and re-reported, appearing on my credit report again without my authorization or any valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
My mortgage was sold by XXXX XXXX to a company called BSI Financial Services ( address below ). This company never contacted me about needing any info on my insurance and they've been incredibly difficult to work with. They should have gotten this from buying the mortgage from the bank anyway. They then failed to pay my insurance so I had to pay it directly but they still have my escrow money. When I pointed this out to them via their online portal, they sent me a letter stating that they were going to " force '' insurance on me at triple the rate. This appears to be a scam to hold people 's escrow money and make interest while they delay and then sell inflated insurance when people violate the mortgage agreement to keep the property covered. I can about guarantee they get kickbacks on the insurance. A quick XXXX search shows they've been fined previously for shady dealings. 

BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX, XXXX and demand to disclose who received {$130.00} after sale of my property located at XXXX XXXX XXXX XXXX unit XXXX, XXXX IL XXXX, and to return my Original Promissory Note and provide a release of XXXX XXXX signed by an accountant of the Creditor. 

Disclose who appointed and authorized XXXX XXXX XXXX XXXX on XXXX XXXX to demand from me payments after Master Servicer Wells Fargo bank stole my property and laundered money after sale in 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 2025-12-16 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: CA

Complaint narrative:
Hi.I am reporting fraudulent accounts and inquiers found in my credit report XXXX XX/XX/year> XXXX XXXX XX/XX/year>. Pleace remove from my credit report .. 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 2025-12-16 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer who is currently working on improving my credit, and I would like to dispute the following items with your credit reporting agency. Please find the details of the accounts in dispute below, separated by each bureau : INQUIRIES XXXX CARD Date : XX/XX/year> Dispute Reason : Inquiry reported without my authorization. Please investigate and remove if inaccurate. 

XXXX  Date : XX/XX/year> Dispute Reason : Inquiry reported without my authorization. Please investigate and remove if inaccurate. 

LATE PAYMENT XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : Reported late payment on my account which I believe to be incorrect. Please review and update the payment history.

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 2025-12-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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