vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. 

XXXX XXXX XXXX This is completely inaccurate. 

Your continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: WI

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$730.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/25 XXXX XXXX XXXX  Date : XX/XX/25 XXXX XXXX XXXX XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I've been trying to get Shellpoint mortgage to close my escrow account since the middle of XX/XX/year>. I have 25 % equity in the property. They were sent a written request and still have not closed my escrow account, changed my payment amount, or refunded my escrow money from the account. I have been calling them for over a month and I'm always told a supervisor will call me back. Called again today and spoke with XXXX who told me the same exact thing. I asked her why I would think someone would call me back this time since I've already left so many messages with no response. I've received several letters from them with information contradicting itself. This should have been resolved a long time ago. They are transferring my loan to someone else on XXXX and the escrow account should have been closed way before now as well as my payment amount changed, and a refund of over {$2000.00} sent to me. This place should be shut down!

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 2025-09-29 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: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE ACCROSS ALL XXXX XXXX REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE ACCROSS ALL XXXX XXXX REPORTING AGENCIES.

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 2025-09-29 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: MN

Complaint narrative:
I dispute Bankruptcy Case # XXXX. Per FCRA 15 USC 1681i & 1681e ( b ), Equifax must verify accuracy with the court. If unverifiable, delete this record. Provide method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. 
If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Saturday XX/XX/year> received alert congrats on new account at US bank. Called that day, was told call Monday fraud dept. called Monday XX/XX/year> US bank fraud dept at that time XXXX accounts were made. I had XXXX text calls about applications for loan {$55000.00} & {$65000.00} also call about home sale inquiry online received. We dont bank with US Bank , we are not selling our home. We had freezes on my credit report, so how did US bank open these and I dont know what else they have access or can steal. Thank you in 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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am a borrower with Ally Auto. My account has fallen behind due to a documented family hardship. My partner XXXX XXXX  XXXX months ago, which reduced our household income and increased our medical expenses. Because of this, I became XXXX months behind on my auto loan. 

I contacted Ally before the stated XX/XX/XXXX charge-off deadline to request hardship assistance, deferment, or a payment plan. I offered to make at least one payment immediately and a second payment within a short period after XX/XX/XXXX. Ally refused to consider my documented hardship or accept a partial cure. I was told that unless XXXX full payments were made by XX/XX/XXXX, my account would be charged off. 

This treatment is unfair and contrary to industry standards for handling documented hardship cases. Charge-off is not a legal requirement ; it is a discretionary accounting choice. Ally is refusing to consider a good-faith resolution before reporting a damaging charge-off to the credit bureaus. 

I believe Ally is acting in bad faith by : Refusing to offer any hardship accommodation despite documented family hardship. 
Threatening charge-off without honoring my right to cure under Missouri law ( RSMo 408.555 ). 
Refusing to accept partial payments or a promise-to-pay agreement before charge-off. 

I am requesting that the CFPB investigate Allys handling of my case and require Ally to : 1.Delay charge-off while I bring the account current.

2.Accept a partial cure and documented payment plan.

3.Provide written confirmation of my right to cure before reporting or charging off the account. 

I am not refusing payment. I am actively attempting to resolve the delinquency and bring the account current. Allys refusal to consider hardship accommodations or partial cure is an abuse of its discretion and will cause unnecessary and lasting harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for loan assistance and they were unwilling to assist. Each time I was denied, the cost that came up with was unreasonable me to pay. Then I put it in short sale now they dont want to provide the company with necessary information and they dont want to respond to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: KS

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 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: Credit Bureau Services Association
State: TX

Complaint narrative:
This is a formal complaint regarding CBSAs failure to provide proper validation of an alleged debt that continues to appear on my credit report. This complaint is in direct response to CFPB Case # XXXX. 

Recently, CBSA sent me documents claiming to validate this debt. However, these documents are insufficient, misleading, and raise serious concerns of fraudulent activity : The proof sent to me contains a handwritten amount added under the total balance to force it to match what is currently reporting on my credit file. This handwritten change has never been explained, verified, or confirmed by the original creditor. The only documentation provided was a tenant ledger, which is not a legally binding agreement, contract, or proof that I owe this debt. No forward flow agreement, bill of sale, assignment of debt, or original contract bearing my signature has been provided. The original creditor could not confirm that CBSA is authorized to collect on this account, nor could they confirm the accuracy of the alleged balance. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am entitled to receive proper validation of any alleged debt. The documents provided do not meet this requirement and are not sufficient proof of any obligation. This alleged account remains unverified and inaccurate, yet CBSA continues to attempt collection and allows it to report on my credit. This is a violation of both the FDCPA and the FCRA ( 15 U.S.C. 1681i ).

Additionally, please be advised that I have prepared and attached a True Bill for FDCPA violations. Payment is to be remitted to the address listed on the invoice without delay. 

I demand that this account be immediately deleted from my credit reports, all collection activity cease, and that payment in accordance with the True Bill be made. Failure to comply will leave me with no choice but to pursue legal remedies for fraudulent reporting and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a mobile deposit on XXXX for {$3000.00} from my employer. I regularly deposit checks from my employer. My deposit is being held by capitol one- per the details received they feel my check wont clear. I called and explained I deposit checks from this entity weekly and have for years- I spoke with a rep and a XXXX XXXX who would not help release the funds. This is my rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation