vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Somehow I was reported as deceased. The cc account was closed without prior inquiry and I received a letter inquiring to my estate handling. This has been addressed but somehow is still negatively affecting my credit background, as I no longer have a FICO?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 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 2025-10-22 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 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 2025-10-22 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: CA

Complaint narrative:
AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX BANK - XXXX, CREDIT CONTROL SERVICE - XXXX, XXXX XXXX BANK 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 2025-10-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-22 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 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 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Our car loan is with Honda Financial. 
Our bank is set up for automatic electronic payments. Bank states that Honda requested payment via check sent US Mail. 

A recent payment was due XX/XX/XXXX. Bank sent payment in time for receipt by due date. Honda stares they rec 'd payment XX/XX/XXXX. Bank shows Honda did not cash check until XX/XX/XXXX. 

Honda assessed a late fee of {$61.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Executive Summary Urgent Complaint Regarding Unverifiable Credit Reporting Dear CFPB Officer, I am submitting this executive summary regarding inaccurate, incomplete, inconsistent, and unverifiable information appearing on my credit reports from TransUnion, Equifax, and Experian. Despite previous disputes, certain furnishers continue reporting derogatory data in direct violation of the Fair Credit Reporting Act ( FCRA ).

Key Issues Cross-Bureau Inconsistencies : Conflicting balances, charge-off dates, and payment histories across the three national bureaus.

Unverifiable Tradelines : Multiple accounts lack original creditor validation, account opening documentation, and signed agreements.

Metro 2 & FCRA Violations : Improper charge-off coding, missing or re-aged Dates of First Delinquency, and inaccurate payment history sequences.

Willful Noncompliance : Furnishers continue reporting unverifiable information, violating FCRA 616 & 617, exposing them to statutory liability. 
Proof of Ownership Requirement Under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ) ( 7 ), I demand certified proof of ownership for all accounts. Failure to provide verification requires immediate deletion under 1681i ( a ) ( 5 ) ( A ).

Sample Accounts Requiring Immediate Deletion Account Balance Reason for Deletion XXXX XXXX XXXX XXXX  {$810.00} Rolling late payments, missing early payments, conflicting bureau reporting XXXX XXXX XXXX {$610.00} Missing/incorrect Date of First Delinquency, unverifiable XXXX XXXX XXXX XXXX {$1100.00} Misrepresented payment history, improper charge-off coding Portfolio Recovery Associates {$1400.00} Rolling late payments, missing delinquency dates, unverifiable Full details, account-specific reasoning, and legal citations are included in the attached comprehensive complaint. 
Requested Resolution Immediate deletion of all unverifiable or inaccurate accounts Certified proof of ownership for remaining tradelines Correction/removal of rolling late payments and missing payment history Enforcement of uniform reporting compliance across all bureaus I do not consent to reinvestigation of unverifiable items ; deletion is required. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Executive Summary Urgent Complaint Regarding Unverifiable Credit Reporting Dear CFPB Officer, I am submitting this executive summary regarding inaccurate, incomplete, inconsistent, and unverifiable information appearing on my credit reports from TransUnion, Equifax, and Experian. Despite previous disputes, certain furnishers continue reporting derogatory data in direct violation of the Fair Credit Reporting Act ( FCRA ).

Key Issues Cross-Bureau Inconsistencies : Conflicting balances, charge-off dates, and payment histories across the three national bureaus.

Unverifiable Tradelines : Multiple accounts lack original creditor validation, account opening documentation, and signed agreements.

Metro 2 & FCRA Violations : Improper charge-off coding, missing or re-aged Dates of First Delinquency, and inaccurate payment history sequences.

Willful Noncompliance : Furnishers continue reporting unverifiable information, violating FCRA 616 & 617, exposing them to statutory liability. 
Proof of Ownership Requirement Under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ) ( 7 ), I demand certified proof of ownership for all accounts. Failure to provide verification requires immediate deletion under 1681i ( a ) ( 5 ) ( A ).

Sample Accounts Requiring Immediate Deletion Account Balance Reason for Deletion XXXX XXXX XXXX XXXX  {$810.00} Rolling late payments, missing early payments, conflicting bureau reporting XXXX XXXX XXXX {$610.00} Missing/incorrect Date of First Delinquency, unverifiable XXXX XXXX XXXX XXXX {$1100.00} Misrepresented payment history, improper charge-off coding Portfolio Recovery Associates {$1400.00} Rolling late payments, missing delinquency dates, unverifiable Full details, account-specific reasoning, and legal citations are included in the attached comprehensive complaint. 
Requested Resolution Immediate deletion of all unverifiable or inaccurate accounts Certified proof of ownership for remaining tradelines Correction/removal of rolling late payments and missing payment history Enforcement of uniform reporting compliance across all bureaus I do not consent to reinvestigation of unverifiable items ; deletion is required. 
Thank you for your immediate attention to this matter.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal is holding {$4800.00} of my money. 
My sister sent me money via PayPal and the company will not release or return the funds. I need my money asap. 

Their number is XXXX ( XXXX ) XXXX. Which I have called many times with no help to get my money. 

My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MA

Complaint narrative:
I want to be clear, this is not an oversight. My credit report contains multiple inaccurate entries that have persisted despite my attempts to resolve them. These recurring errors are causing real, ongoing harm to my finances and wellbeing, creating undue stress and hardship during an already difficult time.

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home in XXXX XXXX was destroyed in the federally declared California wildfires of XXXX, which were covered under XXXX and Governor XXXX state of emergency. I am filing this complaint because Shellpoint Mortgage Servicing ( NewrezLLC ) has repeatedly failed to act in good faith and appears to be violating both federal servicing obligations and California disasterrelief laws ( XXXX XXXX ). 

Details of Violations and Concerns : XXXX. Improper Handling of Forbearance XXXX Shellpoint has only offered me a threemonth forbearance, despite XXXX requiring up to XXXX of temporary relief for disasteraffected borrowers. 
Their written communication also stated I would be responsible for a full lumpsum payment at the end of the forbearance period. 
This requirement defeats the intent of XXXX, which explicitly forbids demanding a lumpsum repayment after a disasterrelated forbearance. 
I have made it clear I am not seeking a loan modificationonly the temporary forbearance protection the law providesbut Shellpoint continues to misrepresent the terms and limit access. 

XXXX. Mishandling of XXXX XXXX XXXX Shellpoint is holding over $ XXXX in insurance funds in escrow from my homeowners claim but has not confirmed they will pay the legally required 2 % annual interest under XXXX. 
They have also made it unreasonably difficult to access these funds for my home rebuild, demanding excessive documentation and slow responses to every request. 
Their own representatives have directed me in circlesbetween customer service and loss draft departmentswith no one able to provide a written answer. 

XXXX. Failure to Provide Timely or Clear Communication It has taken months of repeated calls, emails, and escalations just to get partial information. Including me directly messaging the CEO of the holding company that owns the mortgage servicer. 
Shellpoint representatives rarely provide written responses, offer vague or conflicting explanations, and often fail to follow through on promised updates. 
This lack of transparency has caused significant stress and delay in my recovery, at a time when I am already displaced and trying to rebuild my home. 

Servicer Information : Company : Shellpoint Mortgage Servicing ( NewrezLLC ) Account Type : Mortgage/Disaster Forbearance/InsuranceEscrow Approx. Loan Balance : $ XXXX Property Location : XXXX, CA XXXX

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 2025-10-22 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - XX/XX/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 2025-10-22 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: LA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$840.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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