vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to report inaccurate information on my TransUnion credit file. 

XXXX. Charged-off accounts : Creditor : XXXX XXXX Account XXXX. : XXXXXX/XX/XXXX Date Opened/Reported : XX/XX/XXXX Issue : Listed as charged off with a {$0.00} balance. I dispute the accuracy and validity of this reporting and request verification under the FCRA. If it can not be verified, please delete it from my TransUnion file. 

Creditor : XXXX Bank Account XXXX. : XXXXXX/XX/XXXX Date Opened/Reported : XX/XX/XXXX Issue : Reported as charged off with a {$0.00} balance. I dispute the accuracy and completeness of this entry and request verification or deletion if unverifiable. 

XXXX. Inquiries : I have reviewed my TransUnion report and found no disputed inquiries at this time. 

I am requesting a full reinvestigation and a written statement of results after completion.

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 2025-11-26 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: FL

Complaint narrative:
I am writing to dispute the following information on my Experian credit report. The accounts listed below have been reported incorrectly : CHARGED OFF No items to dispute under this section for Experian. 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX I believe these inquiries are incorrect or unauthorized. Please investigate and remove any that do not meet the necessary criteria or were not authorized by me.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts are disputed due to inaccuracies. Please investigate and correct or remove these items from my credit report if they can not be verified. 

Charged Off Accounts : XX/XX/XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: PR

Complaint narrative:
XX/XX/XXXXSent final law suit orders without ever properly sending me notice.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Bureau LLC
State: OR

Complaint narrative:
On XX/XX/year> my place of work was contacted by Asset Recovery Bureau XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I informed them that this is a business number and not for personal calls the responded that they dont have to remove the number. They then talked to my supervisor and gave him details about the private matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MO

Complaint narrative:
I am filing a dispute regarding several inaccurate inquiries and a late payment reported by Experian. I am requesting a reinvestigation under my FCRA rights. 

Charged-Off Accounts XXXX charged-off accounts listed for Experian. 

Inquiries in Dispute XXXX XXXX XXXX Bank XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payments in Dispute XXXX Bank Account : 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 2025-11-26 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: UT

Complaint narrative:
Multiple accounts that I never opened or authorized are appearing on my credit report, and I have strong reason to believe this is the result of identity theft. These accounts were reported without my knowledge or consent and are providing an inaccurate and misleading picture of my financial history. This is a serious breach of my consumer rights, has caused significant stress, and undermines the integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX. National Credit Adjusters Account XXXX Date : XX/XX/year> National Credit Adjusters , LLC XXXX : XXXX Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This letter serves as my formal dispute and request for validation of the referenced account. Please provide full verification as required by the FDCPA. 

Cease collection and reporting until this matter is resolved. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest sent me a notice denying my unauthorized transaction claim. Their explanation contains an internal contradiction. They stated : the device used to conduct the disputed transaction has made non-disputed transactionsweve concluded that the device has not been compromised, counterfeited, lost, or stolen. 

However, Arvest deactivated my debit card immediately after I replied NO to their fraud-alert text, which only occurs when a card is believed to be compromised. 

If the device/card was not compromised, there was no reason for Arvest to disable my card. If it was compromised ( which their actions clearly indicate ), then the transaction is unauthorized under Regulation XXXX Arvest can not claim both. 

Additionally, the notice provided does not include any evidence or authentication data showing that I authorized this specific transaction. It does not address my fraud-alert denial and does not meet Regulation XXXX disclosure requirements. 

I am requesting that Arvest provide actual evidence supporting their claim, reconsider the dispute, and reimburse me for the unauthorized charge.

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 2025-11-26 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: Experian Information Solutions Inc.
State: GA

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 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 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southern Credit LLC
State: LA

Complaint narrative:
I was sued without being notified by the company I gave the auto up voluntarily repo around XXXX the balance was XXXX now about XXXX  months ago I received a lawsuit from a private investigator came to my home threatened and started garnishing my paycheck for a balance of XXXX plus dollars and the vehicle is a XXXX model I tried to work something out but the company refused I am XXXX and I just started working trying to gain some income but unfortunately the company has no remorse please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I used XXXX  to pay a XXXX business account on XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX for physical goods. The items were over the counter devices that can be purchased online. I paid using my XXXX  balance. Payments to business profiles are advertised by XXXX as being automatically covered under XXXX XXXX XXXX XXXX. The seller never sent the items and then deleted their account, leaving me no way to contact them. I filed a XXXX XXXX claim with XXXX  on XX/XX/XXXX, submitting all documentation. XXXX  denied the claim with a generic message stating that the transaction is not covered under the Purchase Protection Policy. They have repeatedly refused to explain why the claim was denied or which policy section supposedly excludes my transaction. 
I asked XXXX XXXXXXXX multiple times for clarification, but they have either ignored the request or repeated the same vague denial without citing any policy. XXXX has never identified any specific exclusion in their policy that would apply to the physical goods purchased from a business profile. This lack of explanation prevents me from understanding or challenging their decision. Venmo advertises that buyers are protected when paying business accounts for goods. I relied on this when making the purchase. XXXX refusal to honor its stated policy or provide a clear reason for denial feels misleading and unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: TX

Complaint narrative:
On XX/XX/year>, I applied for mortgage assistance due to the wildfires in Texas. I was approved and successfully made all required payments through XX/XX/year>. On XX/XX/year>, after making what was supposed to be my final payment, I discovered an unexpected additional charge of {$600.00}. When I contacted a representative, I was informed that this amount was due to an escrow shortage. 

At no point was I made aware that I would owe an additional {$600.00} after already paying {$1300.00} on the XXXX of the month. The representative stated that a notice of escrow changes had been sent in XXXX ; however, the increased payment did not take effect until XXXX, immediately after I completed my repayment plan. This unexpected charge placed me back in financial hardship and forced me to request another payment arrangement. 

Additionally, despite my full compliance with the repayment plan and the timely completion of all required payments, the company reported a negative mark on my credit report. This is both inaccurate and unfair, as I met all the obligations outlined in the assistance plan. 

I do not believe it is appropriate or reasonable for the company to impose additional charges without proper and timely notice. These practices place an undue burden on consumers who are actively trying to keep their accounts current and maintain their homes

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Subject : Dispute of Debt and Request for Resolution To whom it may concern, Consumer Financial Protection Bureau, F.H.Cann & Associates Inc. ( FHC ) I am writing to formally dispute the charge listed under my account related to the alleged debt of {$5800.00} reported by F.H.Cann & Associates Inc. ( FHC ). I believe that this amount has been improperly charged or reported, leading to significant negative implications for my life and credit standing. 

This account is listed as a XXXX XXXX on account on my credit Report and consumer report but I have never received a 1099C for this charged off debt.

Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Under 15 U.S. Code {$1600.00}, it is my understanding that consumers should have clear and accurate information regarding their finances. I am concerned that this write-off does not adhere to the necessary consumer protections afforded in this statute and others like the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair and deceptive practices in the collection of debts. 

By provisions of 15 US section 168li of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Due to this disputed amount, my credit score has been adversely affected, which is causing me severe distress. This situation has hindered my ability to secure a new place to live, as landlords and property management companies heavily rely on credit history to assess the trustworthiness of potential tenants. As a result, I am facing difficulties in finding stable housing, and this has put a significant strain on both my mental and emotional well-being. 

I kindly request that this information is deleted from my credit report, also my consumer report. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt respone to my inquiry. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
UWM is reporting late mortgage payments that are not accurate or verifiable. The dates of last payment and dates of last activity differ across XXXX XXXX XXXX XXXX 

Mortgage servicers are required to provide accurate payment posting data. UWM has failed to provide : Proof of late notices mailed Proof of payment posting times Full payment ledger Accurate last payment dates Validation of modification agreements Under FCRA 607 ( b ) and 611, inconsistent information must be removed. 

I request a full investigation and immediate deletion of all late payments.

Company response to consumer: Closed with explanation