vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES, BECAUSE SOMEONE STOLE MY IDENTITY AND IS OPENING FRAUDULENT ACCOUNTS IN MY NAME IN THE STATE OF FLORIDA. I HAVE NEVER LIVED IN THAT STATE. I HAVE ALWAYS LIVED IN THE STATE OF GEORGIA IN THE XXXX XXXX XXXXXXXX.

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 2025-07-05 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Never had a loan with XXXX  on my current residence. I received multiple collection notices from XXXX XXXX XXXX, CMC Funding, XXXX. Dates and amounts do not add up. I need help resolving this issue. I have supporting documentation. The property address on the letter dated from XXXX  and there are 3 different loan # 's attached to all the notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CBC Companies, Inc.
State: NY

Complaint narrative:
This company is saying I have a balance of {$6600.00} this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Several months ago, I received numerous daily calls from Transworld Systems XXXX Inc. Fearing a phishing scam, I ignored the calls. I finally broke down and spoke with a rep and asked what the name was of the original creditor. I was told " XXXX XXXX XXXX. '' I explained that I have never had any interaction with that entity whatsoever. I asked them not to call me again, as they had the debt associated with the wrong person. I didn't hear from them in many months, but today, I received written notice that Transworld Systems XXXX Inc. is attempting to collect a debt that I supposedly owe to XXXX  XXXX. The amount, as of XX/XX/2024, is {$6200.00}. Again, I have never had any interaction with this entity whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I call SYNCB/PayPal to request for 1099C for a charge off account that is being reported on my credit. I talk with XXXX XXXX on XXXX XXXX XXXX she said it was not one available because account was settled for less than balance. 
I asked if she can mailed or email me a letter stated what she just told me about the 1099C and she said no she doesnt have access to do so.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Portfolio Recovery Associates Misleading Reporting and Failure to Validate Complaint Text : I am filing a complaint against Portfolio Recovery Associates ( PRA ) for reporting charged-off accounts on my credit report as if PRA is the original creditor. They report an " opened date '' that predates their acquisition, misleadingly implying I had an account directly with them, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ). PRA has not provided a bill of sale or chain of title to prove ownership. Under FDCPA 1692g ( b ), debt buyers must validate debt upon request. PRA was fined by the CFPB in 2015 ( CFPB v. Portfolio Recovery Associates, Case No. XXXX ) for similar deceptive practices. I request removal or immediate correction of these inaccurate tradelines and full documentation to validate these accounts. 
This is a formal request for validation of the alleged debts you are reporting on my credit reports. Under 15 USC 1692g ( b ), please provide : The original creditors name and address Full account statements A copy of the bill of sale or assignment demonstrating your ownership Chain of title from the original creditor to PRA Date of debt acquisition Proof of the amount owed IRS Form 1099-C if the debt was canceled or forgiven Please cease reporting these accounts until validation is provided. Reporting an incorrect date opened and implying you are the original creditor is misleading and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : MB FIN SVCS Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. An eviction record reported by [ XXXX XXXX AND XXXX XXXX ] appears on my report, but I was never legally evicted from any property. The record in question appears as : Eviction Record Reported by : XXXX XXXX Date : XX/XX/XXXX Reported by : XXXX XXXX Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. This eviction is inaccurate for the following reasons : [ Choose or explain your situation briefly, XXXX. : ] My Drivers license and Social Security Card were stolen back in XXXX I havent applied for an home since XXXX I request that this eviction record be investigated and either verified with supporting legal documentation or removed from my credit report entirely. If it can not be verified, it must be deleted in accordance with XXXX XXXX. XXXX ( a ). Attached are the following documents to support my claim : Copy of my ID Police Report ( identity theft ) social security card Please complete the investigation within XXXX days, as required by the FCRA, and notify me in writing of the results.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate on my credit report and its reporting XXXX on my credit report

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 2025-07-05 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.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate on my credit report and its reporting XXXX on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and its debt collection agent, XXXX, for multiple federal violations involving the improper assignment and disclosure of my personal and financial information. 

XXXX unlawfully transferred an alleged debt to XXXX without my consent, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). XXXX then contacted me without providing debt validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and attempted to collect a {$15.00} unauthorized fee in violation of 1692f ( 1 ).

No original signed agreement has been provided. No chain of assignment has been disclosed. This is a breach of my federal consumer rights and has created a material risk of harm, fraud, and reputational damage.

I am requesting a full investigation and immediate enforcement action to correct this unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: InDebted Corporation
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and its debt collection agent, InDebted, for multiple federal violations involving the improper assignment and disclosure of my personal and financial information. 

XXXX unlawfully transferred an alleged debt to InDebted without my consent, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). InDebted then contacted me without providing debt validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and attempted to collect a {$15.00} unauthorized fee in violation of 1692f ( 1 ).

No original signed agreement has been provided. No chain of assignment has been disclosed. This is a breach of my federal consumer rights and has created a material risk of harm, fraud, and reputational damage.

I am requesting a full investigation and immediate enforcement action to correct this unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file related to a collection account from XXXX XXXX XXXX, originally associated with XXXX XXXX XXXX XXXX, XXXX. 

This account is currently listed on my credit reports from Experian and TransUnion. After reviewing the entries, I have found multiple discrepancies and violations of the Fair Credit Reporting Act ( FCRA ), which I request be promptly reinvestigated and corrected or removed. 


XXXX XXXX Inaccuracies : XXXX. XXXX Account XXXX XXXX TransUnion reports the account as a XXXX XXXX Account, which is inaccurate. XXXX is a debt buyer/collection agency, not a factoring company. 
This misclassification is misleading and not consistent with accurate and fair reporting as required by FCRA XXXX ( b ). 
XXXX. Inconsistent XXXX Dates Experian reports a last update on XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. 
These conflicting dates raise questions about the accuracy and timeliness of the data. 
XXXX. XXXX XXXX XXXX XXXX Experian reports a XXXX status every month from XXXX through XXXX, despite no payment activity. 
This repetitive negative reporting is potentially misleading and may violate the spirit of the FCRA by amplifying the negative impact without new activity. 
XXXX. Potential Re-Aging of Debt I request verification of the Date of First Delinquency ( DOFD ) on this account. 
If the XXXX is earlier than XX/XX/XXXX, the account should no longer appear on my credit report and must be deleted.

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 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
Unauthorized Account, Improper Reporting, and Unresolved Refund Request for Immediate Deletion and Refund Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXXXXXX regarding a fraudulent and unauthorized account reported on my credit file. I did not create or authorize this account and have never agreed to use XXXXXXXX XXXX XXXX 

After noticing unauthorized charges to my credit card, I immediately contacted XXXX by phone and filed a direct dispute. During this communication, they acknowledged inaccuracies and agreed to cancel the account. Despite this, the account remained open and active on my credit report. Only after my most recent dispute was it finally marked closedbut it should have never existed or been reported in the first place. 

I never consented to the creation of this account, nor did I knowingly sign up for any service or authorize XXXX to charge my card. Their actions are a clear violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) and the Fair Debt Collection Practices Act. It also violates FCRA Section 607 ( b ), which requires furnishers of information to establish and maintain reasonable procedures to assure maximum possible accuracy. 

Additionally, XXXX has prior knowledge of engaging in questionable practices, and despite acknowledging their error, they have not refunded me for the unauthorized charges made to my credit card.

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 2025-07-05 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: NY

Complaint narrative:
Therefore, I am requesting that you provide the following documentation to validate the debt you are reporting : 1. A copy of my government-issued photo ID ( e.g., drivers license ) 2. A copy of my Social Security card 3. A copy of the signed contract bearing my signature as proof that I agreed to this debt If you can not provide full and proper verification that this account belongs to me, and that all the information reported is 100 % accurate, then this collection account must be removed from my credit report immediately as required by law. 

Please respond to this request in writing within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I submitted a dispute to State Employees Credit Union ( NCSECU ) on XX/XX/year> regarding a transaction from my CashPoints Global checking account. While I authorized the original payment, the merchant did not provide the goods/services as expected, which made the transaction disputable under Regulation E. 

Instead of investigating the new dispute, NCSECU responded with a denial letter dated XX/XX/year> which is a full week before my dispute was submitted. The letter was an exact copy of a prior denial I received for a different issue, with no reference to the new claim or evidence. This clearly shows NCSECU did not conduct a new investigation as required by law.

Additionally : They did not issue provisional credit, as required under Regulation E ( 12 CFR 1005.11 ) They provided no investigation findings or documentation They appear to have reused an old denial template to close the dispute prematurely NCSECU is the subject of this complaint, not the original merchant. My issue is with how the credit union handled the dispute process, not with the transaction itself. I'm requesting a proper investigation of the XX/XX/year> dispute, provisional credit, and a written explanation that reflects an actual review not a recycled denial.

Company response to consumer: Closed with explanation