vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MA

Complaint narrative:
My card expired on XX/XX/year> I went to the website on the card, XX/XX/XXXXand tried to login to my account. I had previously registered on the website and was able to check my balance. This was a couple years ago. 

When I tried to login to the website it refused to accept the card ID. 

I called the company and they told me to login, which again didn't work. 

They then told me to use the " my card doesn't work '' link, which also would not accept the information on the card. They repeatedly told me this was my only option. 

After I tried several times they asked me to send my photo ID and a copy of the card to a fax number. That number, XXXX, is not listed on the card nor on their website. I have no way of verifying that it is safe to fax my drivers license and the full card information to an unknown number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The reported item is not an accurate representation of my financial habits. I respectfully request an update after verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
XXXX is reporting inaccurate information on my credit reports with XX/XX/XXXX Equifax andXX/XX/XXXX. I requested verification and documentation to support the reported balance the date of first delinquency the charge off date and how the information was verified with all three credit bureaus. XXXX did not provide the information I requested and instead repeated the same generic response without supplying any supporting documents. They also marked my prior dispute as frivolous without completing a real reinvestigation which violates the Fair Credit Reporting Act sections 1681e ( b ) and 1681i ( a ).

I do not agree with the information being reported and I believe it is incomplete inaccurate and can not be verified through proper documentation. XXXX failed to provide validation failed to send proof of how they verified anything with the bureaus and failed to respond to my direct request for supporting records. The credit bureaus are continuing to report information that XXXX can not legally verify. 
I am filing this complaint because XXXX did not properly investigate my dispute or provide evidence to support the reporting. I am requesting that this account be removed from XX/XX/XXXXEquifax andXX/XX/XXXX immediately since XXXX can not verify the accuracy of the information. I also request that the correction and deletion be completed within 15 days due to ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management is reporting a debt on my credit report but has failed to provide validation. I requested documentation multiple times under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). They have not sent any proof of the debt, ownership, or itemized statements. Continuing to report without validating is inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that CFPB require NCB to either provide complete validation or stop reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I am filing a complaint against LendingPoint regarding incomplete and misleading credit reporting practices. 

LendingPoint is currently not reporting any of my positive payment history for my personal loan, despite the fact that I have made payments on time. However, LendingPoint has stated to me that they will report late payments after 15 days. 

This selective reporting is misleading and inconsistent with the FCRAs standards for data furnishers, which require information to be accurate, complete, and not create a materially misleading impression of a consumers credit history. 

By choosing to report only negative information while suppressing positive payment data, LendingPoint is damaging the accuracy of my credit profile. 


I am seeking CFPB assistance to ensure compliance with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing a dispute regarding the following accounts. These entries are inaccurately reported, and I request immediate review and correction. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX XXXXX XXXX Date Open XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, our request for hardship assistance was denied by XXXX XXXX, XXXX XXXX, for the reason of : loss mitigation application not received. 

Between XX/XX/year> and XX/XX/year> - I've requested XXXX callbacks for assistance by XXXX XXXX or a XXXX  XXXX. At no point has XXXX XXXX, her supervisor, or any Loss Mitigation personnel reached out to settle this dispute. 

I have documented proof of XXXX XXXX 's negligence in her handling of our assistance case. I have in my possession : - Copies of the entire loss mitigation application - Copies of page XXXX & page XXXX edits ( to the loss mitigation application ) requested by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of 2025 - Copies of all documents submitted for RFA - A notated incident on XX/XX/XXXX of me calling Loss Mitigation because XXXX XXXX didn't know that documents can be submitted via XXXX areas of the portal : the document center AND as replies to Task Requirements RFA Upload Confirmations with ALL REQUESTED DOCUMENTS FOR THE ENTIRE PROCESS including bank statements, income verification, and every other documented needed - RFA Logs showing timely and complete submissions - My Office Scanner job log showing these documents were sent XXXX XXXX, Processing XXXX, has lied on her reason for denying our request and they've ignored XXXX separate requests over 18 days to resolve the issue. A simple review of our submissions would prove that her reason for denial is a lie - and also prove she was not performing her duties efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My issue is with Shellpoint Mortgage. After missing one mortgage payment on a rental property, they immediately filed pre-foreclosure and added more than {$4600.00} in legal fees to my account. I was informed that if I paid both the XXXX and XX/XX/year> payments together by XX/XX/XXXX, the pre-foreclosure status would be removed. I requested and received a reinstatement letter, but it included over {$4600.00} in additional legal fees. This was already the second round of legal fees, as they had charged me more than {$2600.00} in XX/XX/year> as well. 

Now in XXXX, I scheduled and submitted my XXXX payment on XX/XX/XXXX. It was processed successfully. However, on XX/XX/XXXX, XXXXwo new legal fees were added again. My account currently shows a {$0.00} balance, yet Shellpoint continues attempting to place my loan back into pre-foreclosure even though I do not owe any outstanding payments. They added these new fees after receiving the current months payment. 

This pattern of behavior is predatory and unacceptable. Their repeated and unexplained legal fees, wrongful pre-foreclosure actions, and improper handling of payments strongly suggest abusive and unethical servicing practices. This company needs to be formally investigated, and legal actionincluding a potential class-action lawsuitshould be considered to stop these 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint because TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by failing to complete my investigation within the legal 30-day timeframe, as required under 15 U.S.C. 1681i ( a ).

I submitted a valid dispute, provided the necessary documentation, and waited beyond the federal deadline. TransUnion has not provided any response, no investigation results, and no corrections, which is a direct breach of federal law. 

Despite being required to delete or correct unverified information, TransUnion continues to report two inaccurate and damaging accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me, have not been verified, and are causing ongoing financial harm. TransUnions failure to act within the legal timeframe demonstrates negligence, non-compliance, and a disregard for consumer rights under the 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 non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This information inaccurately portrays my financial history. Kindly review and correct the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing a fraudulent account with CRA Equifax and nothing has been done. As a consumer i have the right to dispute account ( s ) with inaccurate information. i have asked Equifax to send proof of reinvestigation for the following account ( s ) with no success. 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPEN DATE XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase for a rebuilt transmission from XXXX XXXX XXXX. I was told that it would take 10 days to build it and then it would be delivered to my house via semi truck. Never received the transmission nor any response from company. Have contacted Capitol 1 multiple times, sent them all the information they asked for. Its still being investigated. I paid them {$1400.00} using my Capitol 1 debit card. Havent been able to reach XXXX XXXX XXXX since making the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
This is not a mistaken dispute my credit report contains a specific account that is inaccurate and not reported with the maximum possible accuracy. The presence of this erroneous entry has caused ongoing stress and tangible harm to my financial standing during a difficult time. I take my credit profile seriously and can not tolerate this inaccuracy remaining on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} This account is being reported inaccurately, and Equifax has failed to provide proper documentation or verification. 

Inquiries ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries are being reported inaccurately. I request their removal unless properly validated. 

Late Payments ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief