vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
FPB Complaint TransUnion Stall Tactics Company : TransUnion LLC Reference File Number : XXXX Issue Type : Credit reporting company is using stall tactics or failing to properly investigate a dispute. 

What happened : On XX/XX/year>, I mailed a formal dispute to TransUnion regarding inaccurate or incomplete information on my credit report. Along with the dispute, I included personal identifying documentation a copy of my government-issued ID and a utility bill showing my current address sufficient to verify my identity and satisfy the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Despite this, TransUnion responded with a letter dated XX/XX/year>, claiming they need additional personal identifiers to process my dispute. This is the second time they have demanded information that was already provided. Their behavior appears to be a stall tactic designed to delay or avoid reinvestigating my dispute within the 30-day statutory period required by the FCRA. 

The FCRA mandates that once a consumer provides sufficient identifying information, the credit bureau must begin a reasonable reinvestigation. TransUnions refusal to proceed after already receiving valid identifying documents violates 15 U.S.C. 1681i ( a ). This delay is obstructing my right to a fair and timely resolution of the inaccuracies on my report, which are negatively impacting my creditworthiness and ability to obtain employment and housing.

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 2025-11-11 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:
Could you review this entry? Its late and might contain an error.

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

Complaint narrative:
This is not my account, and it appears on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$500.00} by XXXX XXXX. The merchant verbally confirmed on several occasions ( approximately XXXX times between XX/XX/XXXX to XX/XX/XXXX ) that a refund had been processed. However, the refund never posted to my American Express account. 

Following American Expresss guidance, I first attempted to resolve the matter directly with the merchant. When no refund appeared, I contacted American Express to open a dispute. The representative advised that the dispute could not be processed because more than 60 days had passed since the statement date showing the charge information I was not made aware of until XX/XX/XXXX. 

I believe I acted in good faith and within a reasonable timeframe, as I repeatedly followed up with the merchant and relied on their multiple verbal confirmations that a refund was being processed. My actions were consistent with American Expresss own dispute resolution instructions. 

I am requesting that American Express reopen the dispute and investigate the merchants failure to issue the promised refund, or alternatively, provide a credit of {$500.00} to my account. 

I have attached supporting documentation, including statements showing that no refund was ever received, as well as the only email communication from American Express confirming that an investigation was underway. No correspondence was ever received indicating that the dispute was considered untimely or closed.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-11 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-11 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:
I am writing to dispute the following information on my Experian credit report. I believe these entries are inaccurate, and I request that they be corrected or removed from my credit report. 

Charged Off : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : XXXX Inquiries : Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date XXXX XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Date : XX/XX/XXXX Account Name : XXXX-XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : 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
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Angel Oak Mortgage Solutions LLC
State: CA

Complaint narrative:
I would like to formally file a complaint against Angel Oak, named XXXX XXXX, XXXX XXXX and XXXX XXXX whom ultimately declined our application despite showing more than enough evidence we can afford the loan product. 

The issues : XXXX. The loan took so long for XXXX XXXX to approve ( original application in XX/XX/year> ) that the appraisals expired after 180 days. 
XXXX. The second round of appraisals showed an impossible drop in the home 's value, not corroborated by another other public sites ( XXXX, XXXX, XXXX etc. ) Likely a scam to get the loans financial position improved for Angel Oak. 
XXXX. While resolving the appraisal issue, the credit report expired resulting in a need for a second credit report. The second credit report expired just a few days ago requiring a third credit report that we refused as the third credit report expired exclusively due to unreasonable delays on behalf of Angel Oak. 

Overall, this institution is not worth working with for a refinance or any other products they sell. We started this refinance in XX/XX/year> and we are here in XXXX where Angel Oak decided to unexpectedly cancel the loan application for a reason not listed. Meanwhile as a consumer, my credit has taken a hit, we've paid thousands of dollars to get the XXXX sets of appraisals and other loan subordination fees settled etc. Given Angel Oak 's executive team did not respond to our informal complaint letter, we are formally filing this complaint to engage them to the matter without needing to find a legal remedy for our damages as a result of the poor service by XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I sent a formal Debt Validation Request to Credit Collection Services regarding an alleged debt originally from XXXX XXXX XXXX. The letter was sent via USPS Certified Mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX  According to USPS tracking, the item arrived at the XXXX MA Distribution Center on XXXX XXXX XXXX, and is currently in transit to the destination.\n\nIn the letter, I formally disputed this debt under 15 U.S.C. 1692g(b) of the Fair Debt Collection Practices Act (FDCPA) and demanded full, specific, and verifiable documentation, including:\n\nOriginal signed contract\n\nComplete chain of title showing assignments, transfers, or sales from the original creditor\n\nProof of holder in due course status under UCC Articles 3 & 9\n\nPooling and Servicing Agreement (PSA) if applicable, including Schedule of Assets identifying this specific debt\n\nComplete debt itemization including principal, interest, fees, penalties, and payments made\n\nProof of legal authority to collect or report this debt under FDCPA, FCRA, TILA, and RESPA\n\nCopies of all previous communications regarding this debt\n\nI also ordered that all collection activity cease immediately and that no reporting to credit bureaus occur until full validation is provided.\n\nAs of now, the company has not provided the requested documentation. Any attempt to continue collection, reporting, or verification of this account without proper validation would be considered a violation of federal law, including FDCPA 1692g(b), FCRA 1681s-2(b), TILA 1641(g), and UCC Articles 3 & 9, which carry civil liability, including statutory, compensatory, and potentially punitive damages.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I lived at via XXXX from XX/XX/XXXX to XX/XX/XXXX. After I moved out they sent me to a debt collector for {$8200.00}. I called the apartment complex and asked what I was charged for and they wouldnt tell me. I never received anything in the mail from via XXXX saying I owed money. I have since sent numerous emails asking for validation of this debt to prove that I owe it. All that they are able to provide is my lease agreement with the apartment complex and a bill. I have asked for validation of the alleged damages that were caused, like pictures, bills to fix the apartment etc. I have not received such information. I have asked for the debt collector to stop reporting to my credit until I receive validation which they have not done.

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

Complaint narrative:
I am disputing the following accounts and inquiries reported under TransUnion. Please investigate these items for accuracy. 

Charged Off Accounts : XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$8700.00} XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX - Account Number : 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 2025-11-11 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: MD

Complaint narrative:
I am writing to formally dispute certain accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts in dispute, organized by credit bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : Equifax ( EQ  ) : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Details of the Complaint : My name is XXXX XXXX XXXX, and my mortgage account number is XXXX. The property associated with this loan is located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I initiated a refinance process while my loan was being serviced by Shellpoint Mortgage Servicing. I formally requested a payoff statement and clearly communicated my intent to refinance. Despite this, my loan was transferred to XXXX XXXX  shortly after the request. 

Upon contacting XXXX, I was informed that although they now hold the loan, the servicing is actually managed by XXXX, my previous lender, and I must work directly with them. This transfer was unexpected and poorly timed, and it has significantly disrupted and delayed my refinance process. 

Shellpoint was fully aware of my refinance plans, and the transfer has created unnecessary complications and financial stress. I believe this action was not in good faith and may have violated consumer protection standards regarding mortgage servicing and loan transfers during active refinancing. 

I am seeking : A formal explanation for the timing and rationale of the loan transfer Any corrective actions to help resolve the delays and complications caused XXXX that my rights as a borrower were not violated Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report as they contain errors that need to be corrected : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$150.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payment : 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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express breached its own agreement by filing suit without completing the required pre-litigation procedures, depriving me of the opportunity to resolve the matter as agreed. They also failed to provide adequate debt validation, offering only monthly statements and no contract. 
Under the FDCPA ( 15 U.S.C. 1692g ) and Regulation F ( 12 C.F.R. 1006.34 ), debt collectors must provide a written notice including the amount owed, creditor details, account information, an itemization of interest and fees, and instructions for disputing or verifying the debt. Providing only statements does not satisfy these requirements. 
Under California Civil Code 1788.52, a debt buyer or collector must, upon request, provide specific documentation within 15 days and cease collection until compliance. American Express failed to meet this obligation.

Throughout this process, I acted in good faith, offering a reasonable structured payment plan contingent upon proper validation. American Express refused to consider this, demanding immediate full payment, which demonstrates a lack of good faith and disregard for my legal rights. Because they failed to follow both contractual procedures and federal and state debt validation laws, this lawsuit was improperly filed and constitutes a material breach of contract and unfair collection practice. The case should be dismissed with prejudice.

Company response to consumer: Closed with explanation