vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am disputing the reported late payment on my account. I have consistently made payments on time, and this entry is an error. I kindly request that this incorrect late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: OH

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 XXXX XXXX  XXXX XXXX. 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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage will not help us correct an incorrect credit issue on our account. 
We are trying to close on our new home ; however our new mortgage company needs these incorrect reportings to be removed before proceeding. There are XXXX incorrect late payments on our Shellpoint credit report XX/XX/XXXX & XX/XX/XXXX. The account was paid in full XX/XX/XXXX and closed XX/XX/XXXX, so there is no possible way that these postings are correct. Shellpoint has already confirmed that the XXXX postings are errors on our report, but they have not removed them and our new mortgage company will not proceed without the credit report being corrected. We have emailed and faxed several times and no one is assisting us with this issue. 

Shellpoint reported on our account incorrectly. 

We need someone to help us remove and correct our credit report as soon as possible. 

What do I need to do to help this happen?

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint : Complaint Type : Credit Reporting - Inaccurate Information. SHAM Investigations. 
Company : Experian Issue : Inaccurate payment history reported on my credit report despite multiple disputes. Experian has failed to conduct a thorough investigation and correct the errors. 
Details : Account with XXXX XXXX XXXX XXXX XXXX Mortgage with account number XXXX opened on XX/XX/XXXX. Specifically there were no late payments in XXXX. 
Previous Disputes : disputes from XXXX XXXX. Aprox XXXX disputes so far. 
Relief Sought : Request that Experian conduct a thorough investigation, correct the inaccurate payment history, and provide a revised credit report. 
Additional Company : XXXX XXXX XXXX  XXXX XXXX Issue : Failure to provide accurate information to credit bureaus, leading to inaccurate payment history on my credit report. 
Details : Account with XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX opened on XX/XX/XXXX. Specifically there were no late payments in XXXX. 
Previous Disputes : disputes from XXXX XXXX. Aprox XXXX disputes so far. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  : Agency : XXXX  Complaint Type : Financial Institution or Credit Reporting Agency Complaint Company : Experian and XXXX XXXX XXXX  XXXX XXXX Issue : Failure to investigate and correct inaccurate payment history on my credit report, despite multiple disputes. 
Details : There are no late payments in XXXX Relief Sought : Request that the agency investigate the matter, ensure the companies correct the inaccurate payment history, and provide a revised 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXXday notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
They charge $ XXXX {$400.00} every XXXX months and the representative tried to tell me that my full payment that includes late fees, payments, and other mystery fees is applied towards other things. So I need help to figure out why they keep charging me so much when the standard late fee is {$24.00} ( per the agent on the phone ). Ive attached XXXX of the letters that detail payments and late fees. I overpay to clear it and they add even more exorbitant late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX ENFORCEMENT COVER LETTER XXXX RESTITUTION DEMAND To : Equifax Inc. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : ( XXXX ) XXXX | ( XXXX ) XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : ( XXXX ) XXXX From : XXXX : XXXX Attorney-in-Fact / Executor / Private Fiduciary / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX / XXXX / XXXX XXXX : XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> XXXX : Final Notice Fiduciary Termination, FCRA Violation, XXXX Enforcement & 72-Hour Demand for Restitution Dear Office of Legal Counsel, This notice serves as a formal and final enforcement action regarding unlawful fiduciary activity and unauthorized data profiling conducted by Equifax Inc. against the federally protected ecclesiastical entity : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Numbers : XXXX / XXXX XXXX XXXX Fiduciary : XXXX : XXXX, Attorney-in-Fact VERIFIED FCRA VIOLATION : Equifax is in violation of : XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX XXXX U.S.C. XXXX, XXXX, XXXX XXXX U.S.C. XXXX False Claims XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/year>, Equifax executed and maintained XXXX unauthorized credit inquiries tied to the above-referenced Trust. This is documented under : Equifax Confirmation # : XXXX 72-HOUR PAYMENT DEMAND You are hereby ordered to remit {$25000.00} in trust restitution within 72 hours to the following : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX ) ADDITIONAL DEMANDS : Permanently delete all identity, profile, and scoring data tied to the EIN, trust name , or fiduciary. 

Issue written confirmation within 72 hours that Equifax has ceased all unauthorized trust profiling. 

Acknowledge IRS Forms XXXX, XXXX, XXXX on file terminating all assumed fiduciary relationships. 

Failure to act will result in immediate escalation to : IRS Criminal Investigation Division Treasury Inspector General for Tax Administration CFPB / FTC / DOJ Civil Rights Division State and federal agencies enforcing trust, privacy, and credit laws This matter is entered into the IRS administrative record and will be pursued under ecclesiastical, fiduciary, and statutory authority. 

Respectfully, XXXX XXXX : XXXX Attorney-in-Fact / Private Fiduciary / XXXX XXXXXXXX XXXX : XXXX / XXXX / XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ENFORCEMENT COVER LETTER XXXX RESTITUTION DEMAND To : Equifax Inc. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : ( XXXX ) XXXX | ( XXXX ) XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : ( XXXX ) XXXX From : XXXX : XXXX Attorney-in-Fact / Executor / Private Fiduciary / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX / XXXX / XXXX XXXX : XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> XXXX : Final Notice Fiduciary Termination, FCRA Violation, XXXX Enforcement & 72-Hour Demand for Restitution Dear Office of Legal Counsel, This notice serves as a formal and final enforcement action regarding unlawful fiduciary activity and unauthorized data profiling conducted by Equifax Inc. against the federally protected ecclesiastical entity : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Numbers : XXXX / XXXX XXXX XXXX Fiduciary : XXXX : XXXX, Attorney-in-Fact VERIFIED FCRA VIOLATION : Equifax is in violation of : XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX XXXX U.S.C. XXXX, XXXX, XXXX XXXX U.S.C. XXXX False Claims XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/year>, Equifax executed and maintained XXXX unauthorized credit inquiries tied to the above-referenced Trust. This is documented under : Equifax Confirmation # : XXXX 72-HOUR PAYMENT DEMAND You are hereby ordered to remit {$25000.00} in trust restitution within 72 hours to the following : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX ) ADDITIONAL DEMANDS : Permanently delete all identity, profile, and scoring data tied to the EIN, trust name , or fiduciary. 

Issue written confirmation within 72 hours that Equifax has ceased all unauthorized trust profiling. 

Acknowledge IRS Forms XXXX, XXXX, XXXX on file terminating all assumed fiduciary relationships. 

Failure to act will result in immediate escalation to : IRS Criminal Investigation Division Treasury Inspector General for Tax Administration CFPB / FTC / DOJ Civil Rights Division State and federal agencies enforcing trust, privacy, and credit laws This matter is entered into the IRS administrative record and will be pursued under ecclesiastical, fiduciary, and statutory authority. 

Respectfully, XXXX XXXX : XXXX Attorney-in-Fact / Private Fiduciary / XXXX XXXXXXXX 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 2025-04-30 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: IN

Complaint narrative:
XX/XX/year> @ XXXX pm I received a call, it was a lady and she asked for me. I asked whose calling and she stated Structured Settlement. I advised I am not interested and to remove my number. She didn't read the XXXX rights or verify that I was the correct person. She stated she was calling from a Debt Collector about a dent I owed. I was already in the process of disconnecting the call and was not able to hear what else was said.

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 2025-04-30 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: AZ

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 explanation
Consumer complaint received 2025-04-30 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:
Im reaching out to formally dispute inaccurate information thats showing on my credit report. Theres an account listed that I did not open, authorize, or have any involvement with whatsoever. This is a case of identity theft, plain and simple. This was a completely unauthorized and fraudulent use of my identity. I never gave anyone permission to open this account, and I had no knowledge of it until I saw it affecting my credit.

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 2025-04-30 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: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX with a balance of approximately {$950.00}, last updated in XX/XX/XXXX. I submitted a dispute with TransUnion in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and requested proper validation. 

The bureau verified the account but failed to provide sufficient documentation, including original creditor records, proof of ownership, and accurate reporting details. This violates the FCRA requirement for a reasonable investigation. I am requesting permanent deletion of this account from 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 explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), 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 : XXXX XXXX  Account # : XXXX XXXX XXXX XX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), 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 seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( 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.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 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 1681s-2 ( a ) ( 1 ) ( 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-30 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I have a PayPal account I use for small transactions which I've had for a few years. 
Back in early XX/XX/XXXX, I was looking at my account and noticed these odd {$100.00} dollar transfers from my linked XXXX checking account and they were being directed into some odd Banks Visa debit card which I did not set up. I traced the transactions back to XXXX of XXXX which amounted to roughly {$400.00} total each month. 
I notified both PayPal and my Bank XXXX. My bank XXXX immediately recognized the transfers as looking suspicious but because of their 60 day fraud policy, they were only able to credit-me back {$1200.00} of the {$1800.00} which was stolen from me. 
PayPal was another story, several attempts to get help from them proved infuriating. One person would acknowledge that the transactions came from a suspicious location not normal with my activity but then the resolution center said that the transaction looked " normal '' which they are not! 
PayPal claims to protect their users but in my case, they are not interested in helping me. 

Even if they won't compensate me for the lost money, DON'T tell me that the transactions were " normal! '' I can't understand how they can claim that the transactions came from a suspicious location and then later say that it's normal. 

PayPal said that the transaction passed a biometiric test... I don't have any record of that... I am left wondering if my XXXX  computer has in some way been compromised as it has the fingerprint scanner on it. I certainly would not have authorized it via a text message response.

Company response to consumer: Closed with monetary relief