vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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! 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 2025-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
A payoff statement from Shellpoint Mortgage was generated good through XXXX XXXX XXXX On XXXX XXXX XXXX, the Title Company wired the full payoff amount.

On XXXX XXXX, we received a wire back from Shellpoint stating that there were additional fees that needed to be added.

On XXXX XXXX we were told by the Lender that they would honor the original payoff and to re-send the wire.

On XXXX XXXX, we were again contacted by Shellpoint that they were returning the wire once again for additional fees.

We ask that Shellpoint honor the original payoff quote for the funds that were delivered on XXXX XXXX. 

If not, it sets a precedent that No written payoff has to be honored by any Bank and any figure can change 14 days after a payoff is received.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I am disputing two medical collection accounts listed by Americollect for alleged services from XXXX XXXX XXXX on XX/XX/year>. One is for {$1600.00} ( my daughter ) and the other is for {$990.00} ( my son ). These accounts are tied to an XXXX XXXX visit following a XXXX XXXX. The charges should have been covered by my insurance provider at the time ( XXXX  ) or through a pending legal settlement related to the accident. 

I contacted the hospital, and they have no record of the bills. XXXX XXXX XXXX, the alleged original provider, has no working contact number, and Americollect can not provide one. I requested an itemized bill, date and place of service, and proof of submission to insurance, but Americollect failed to provide any documentation.

This debt is now being reported on my credit file, even though it remains unverified, and the collection agency has not met their legal obligation to validate it under the FDCPA. 

I am requesting that this collection activity be suspended until proper validation is provided, and that these accounts be removed from my credit report if they can not be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a business checking account, and three months later, it was closed. I tried calling them and visiting the branch, but they had no information to give me about why they closed the account. Also, called the corporate office, they had no information on why they closed the account.

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 2025-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
NOT A DUPLICATE REPORT DO YOUR JOB CFPB. This is also being reported to XXXX XXXX XXXX XXXXs and Congresswoman. 

The GM Credit Card by Goldman Sachs and GM Rewards is defrauding costumers by not paying out the rewards promised. For example, {$100.00} for spending {$1500.00} in fuel spend. I completed this in XX/XX/2025 and they have now gone over the 30 business days to pay the {$100.00} bonus. Every time I call Goldman they say talk to GM when I call GM they say talk to Goldman.

GM Rewards has recently looked to move their credit card to XXXX  from Goldman Sachs. In doing so it appears they seem to plan on screwing thousands of customers to not have to pay out the {$100.00} owed to many. When you call in they say its an issue they are working on. THEY HAVE BEEN WORKING TO CORRECT THIS ISSEUE SINCE XXXX....... IT IS NOW XXXX!!!!!!! Clearly, CFPB needs to do its job and investigate this issue. 

MY GM REWARDS ARE SCAMMERS! They won't put you through to a manager or supervisor and they can't provide an update to their own internal issues for months. Refuse to say when issue will be correct. VIOLATE THEIR OWN TERMS OF THEIR OWN CREDIT CARD AND REWARDS PROGRAM THAT SAY BONUSES WILL BE PAID WITHIN 30 BUSINESS DAYS OF MEETING REQUIREMENT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael J Adams PC
State: TX

Complaint narrative:
The debt was collected by XXXX XXXX XXXX ( Receiver ) by court order on XX/XX/year>. 

Now XXXX XXXX XXXX, XXXX. is trying to collect the same debt through a court order and has debited my checking account a second time for the same debt. 

Somehow they were granted a court judgement on the same debt that XXXX XXXX XXXX ( Receiver ) was granted and paid. 

They ( XXXX XXXX XXXX, XXXX. ) has debited from my account. 

The judge issued two judgements on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-07-03 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute a utility account that appears on my credit report from XXXX. 

This account is not mine. I never opened a utility account at the address associated with this debt. During the time this debt was allegedly incurred, I resided at a completely different address : My actual address at that time : XXXX XXXX XXXX XXXX 
XXXX XXXX, IL XXXX Address on the utility debt ( if known ) : I have included supporting documentation to prove my residency during the time in question. These include : Lease agreement Utility bill from my actual address Copy of my ID Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent or incorrect account be investigated and removed from my credit report. 

Please confirm receipt of this dispute and let me know the results of your investigation. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XX/XX/year> 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 explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Unresolved Equifax Dispute Since XX/XX/2023 ( Confirmation # XXXX ) * * Dear CFPB, I am filing this complaint regarding * * Equifax * * and its failure to comply with the dispute investigation timelines established under the * * Fair Credit Reporting Act ( FCRA ) * *. 

On * * XX/XX/2023 * *, I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. My dispute was assigned confirmation number * * XXXXXXXX XXXX XXXX. As of today, * * over 11 months later * *, Equifax still lists the matter as * * Under Investigation * *, with no resolution, response, or update provided.

Under FCRA guidelines ( 15 U.S. Code 1681i ), consumer reporting agencies are required to complete investigations * * within 30 days * *, or * * 45 days * * if the consumer provides additional documentation. Equifax has * * grossly exceeded * * this timeframe, which is not only * * unreasonable * * but also * * unlawful * *. 

I am requesting that : * * * All disputed information be permanently removed * * from my Equifax credit file ; * Equifax be instructed to provide written confirmation of the deletions; * Appropriate enforcement action be taken against Equifax for its failure to comply with federal law.

Equifaxs ongoing inaction has caused damage to my credit reputation, hindered financial opportunities, and caused emotional distress. I am attaching a screenshot of the dispute status as evidence of their failure to respond or resolve the matter. 

Thank you for your attention to this urgent matter. I look forward to a fair and swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I got an alert from XXXX  on XX/XX/year> that there was a hard inquiry on my account for an installment loan. When I logged in it was through Barclays Bank of Delaware, so I called XXXX  to report that this was not me. They said that they do not handle inquiry complaints and I had to call the company. I googled the bank to call them and saw a large number of negative reviews regarding this bank giving out loans and credit cards in other people 's names and not resolving the issue. I froze my credit, but wanted to add a report of this bank since it seems to be something they do often.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint to address a deeply frustrating and unacceptable issue regarding a charge-off account from XXXX XXXX, account ending in XXXX, dated XX/XX/year>, with a reported balance of {$3500.00}. This account had previously been disputed and removed from both my XXXX and Equifax credit reports following a thorough investigation and the acknowledgment that it was either unverifiable or inaccurate. Yet, without notice, this same derogatory account has now been reinsertedcompletely disregarding my rights and the protocols laid out under the Fair Credit Reporting Act ( FCRA ). 

The emotional toll this has taken can not be overstated. Ive worked hard to maintain the accuracy and integrity of my credit reports. To discover that an account I already fought to have removed has suddenly reappeared without warning feels like a betrayalnot just by the bureaus, but by the system thats supposed to protect consumers from exactly this type of error. I was given no notice that this account would be reinserted, nor was I provided any updated or verifiable documentation from the furnisher ( XXXX XXXX ) justifying its return to my file. 

I want to emphasize that this isnt about trying to avoid a legitimate obligationits about accuracy. The account was removed because it could not be verified. If XXXX XXXX now claims otherwise, then they are obligated under law to provide sufficient documentation proving the validity of the charge-off and the debt itself. To date, that has not happened. Ive received no communication, no proof, and no explanation. Just the sudden reappearance of a charge-off that should not be there. 

Its worth noting that these kinds of errors often stem from large-scale data inaccuracies that result from the increasingly common and widespread handling of personal information across systems and platforms. Its possible that my data was compromised or incorrectly recompiled, but regardless of the source, I should not be the one to bear the burden of a system error. Ive taken every reasonable step to correct this and protect my credit, only to see my efforts undone without transparency or accountability. 

The FCRA is very clear on this matter. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information, they must notify the consumer within five business days and provide the name and contact information of the furnisher who verified the item. Neither XXXX  nor Equifax did this. Furthermore, under 15 U.S.C. 1681e ( b ), the agencies are required to maintain procedures to ensure the maximum possible accuracy of consumer information. This kind of unverified reinsertion is in direct violation of that obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I submitted my updated homeowners insurance declaration page to Mr. Cooper to ensure the annual premium would be paid from my escrow account as agreed. Despite providing this well in advance, the premium was not paid on time. 

On XX/XX/year>, XXXX ( my insurance provider ) directly withdrew {$1000.00} from my personal checking accountfunds that should have come from escrow. This created financial hardship for me, and I immediately contacted both Mr. Cooper and XXXX for resolution. 

Mr. Cooper eventually sent payment to XXXX weeks later, but XXXX is still holding my {$1000.00}, and neither company is accepting accountability or issuing a refund. Ive requested documentation, a timeline, and a refund multiple times and have received no clear answers from either party. 

This issue has gone unresolved for over two weeks, despite it being entirely preventable and not my fault. I am requesting your help in getting my funds returned and holding the company accountable for mismanaging my escrow.

Company response to consumer: Closed with explanation