vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute an inaccuracy concerning the recent reporting of my credit score. As of my last review, my credit score was XXXX, reflecting XXXX positive changes to my credit file, including decreased collection balances and the removal of inquiries. 

However, XXXX days ago, following XXXX additional positive changes, my XXXX XXXX dropped XXXX pointsgoing from XXXX to XXXX. This decrease is not only unexpected but directly contradicts the nature of the positive updates reported. According to your own representatives, including a supervisor I spoke with, when positive information such as reduced balances and removed inquiries is reported, a credit score should increase, not decrease.

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. A 55-point drop in my score, despite verified positive activity, is neither reasonable nor accurate and may indicate a flaw in your automated scoring system.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any item in my file that I believe is inaccurate or incomplete. You are legally obligated to conduct a reasonable reinvestigation within 30 days of receiving this notice and correct or delete any inaccurate, incomplete, or unverifiable information.

I am formally requesting that you : 1. Conduct a reinvestigation of my credit report and the recent score changes, 2. Provide a detailed explanation of the scoring impact tied to the specific updates made to my file, 3. Correct the scoring error and raise my credit score to reflect the true, positive nature of my recent updates ( from 651 to approximately 706 ), 4. Provide a written response and updated credit report following completion of your reinvestigation.

Please consider this a formal dispute under FCRA guidelines. I expect a prompt resolution as required by 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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I attempted to dispute this false and fraudulent that collection directly with the company XXXX XXXX XXXX upon answering the phone and agent misled me he told me that this was not XXXX XXXX in XXXX that this was a third party that would assist me in removing this debt collection from my reports he then proceeded after collecting information from me to request money to request that I pay for the removal of these services so now I have moved on directly to the cfpb and the credit card bureaus to remove this as my score as went down drastically due to this false collections on my credit report. I have done all I could within one week. However, there seems to be no care or concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Access to My Credit Report Re : Violation of 15 U.S.C. 1681b - Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized furnishing and/or access of my consumer credit report, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

According to this federal law, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, and in many cases, only with the consumer 's written authorization. I hereby state that I did not provide written consent or authorization to any individual, company, or third party to obtain or access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

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 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have been having an issue with transferring money overdraft fees and XXXX issues mostly money not going thru being sent back when the money is there false balance amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CORELOGIC INC
State: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases. 
Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion both XXXX has not reported correct credit card usage since XXXX & XXXX on my XXXXXXXX XXXX XXXX. Can we get these companies that are required to update monthly do there job. This is showing Incorrect usage. Thank you in advance for your assistance

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$450.00} XXXXXXXX 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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Also during the time they saying this account was open it couldnt have been legally seeing how I did not have an valid ID to open any account

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 2025-04-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Was not able to use my money at certain places so it left me stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Each credit bureau has the wrong personal information and I sent in the correct information ; they still refused to change the personal information.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Each credit bureau has the wrong personal information and I sent in the correct information ; they still refused to change the personal information.

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My phone, ID, credit cards, and debit card got stolen at a bar. The person who stole my stuff got into my phone and transferred money from my SoFi checkings account into XXXX and sent it to themselves. This was {$7400.00} worth of money. I filed a police report and everything too. I called SoFi and submitted a dispute and they denied it because they said everything was authorized even though I didn't agree to any of these transactions. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was recently working with a company that co signs for apartment rental leasing and was made aware of collections I had from apartment complexes I never resided at. All the collection dates I obtained from the collection companies from these properties were in the same time frame. When I reached out to the original debtors I was informed that there were apartments applied to under my name and that the fees for the applications were returned resulting in balances on my credit. The properties on my listed on my report are XXXX XXXX, XXXX at XXXX side, XXXX at XXXX XXXX and Phoenician apartments. 
I have been contacting the following collections agencies for over a year to dispute these balances. 
XXXX aka Columbia debt recovery inc, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo branches continue to attempt to frame a narrative that I am involved in the XXXX  trade, which I am not. We are engineers trying to start a business after being terminated from our jobs. WF has denied a business account, traced bills, continually asking intrusive questions with no basis for these allegations, none. It is patently obvious what they are doing and I would like to know why they believe there is XXXX  activity on these accounts or if they have ANY reason to believe that we are in any illicit trade. 

I have dealt with three seperate Wells Fargo branches this year ( 2025 ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) and the XXXX XXXX XXXX. The worst offender is this XXXX charecter in the XXXX XXXX XXXX. He continually harrasses me when I go in for a simple transaction. On XXXX XX/XX/year> I went to to the branch to receive XXXX dollars in small bills, he makes me sign forms, wait a long stretch of time, texts me verifcation codes etc. I feel harrassed, uncomfortable, and my privacy is being violated -- and I would like to know why Wells Fargo feels my accounts with less than {$7000.00} at any given time for the past 6 years are being used to launder money. Especially since Wells Fargo has been caught laundering money for the " XXXX XXXX  XXXX  '' : https : //www.justice.gov/usao-sdca/pr/wells-fargo-personal-banker-sentenced-money-laundering-and-bank-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 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This is a complaint against Newrez LLC / Shellpoint Mortgage Servicing. Newrez LLC XXXX Shellpoint reroutes envelopes containing payments to different mailboxes in different zipcodes ( other than the ones printed on detach and return with payment statements ) causing delays and generating exuberant and unfair late fees for timely payments. ( {$61.00} late fee ). 

Shellpoint directs consumers to send payments to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Attached ) Shellpoints claims that it does not charge late fees for payments received before the XXXX of the month for payments due on the XXXX of the month. 

( Attached ). 

Shellpoint has consistently delayed the receipt of payments by marking payments as received days later generating exuberant late fees in the amount of {$61.00}. In fact, it appears from the tracking information by USPS, that Shellpoint reroutes its mail to different mailboxes ( not the mailboxes printed on the invoice ) and causes intentional delays to generate fees including late fees. 

Attached is the detach and return with payment statement for XXXX payment which shows zip code XXXX. 

Attached is the properly addressed label for a payment envelope to be delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached is the USPS tracking information for tracking number XXXX XXXX XXXX XXXX XXXX XXXX showing Available for pick up on XX/XX/year> but then rerouted to XXXX XXXX ( not the zipcode printed on the invoice/statement ) the next day with a subsequent generation of {XXXX} in late fees. 

Shellpoint must mark the payments as received on the day the envelope reaches the mailbox as printed on the invoice and/or on the day the envelope with payment was available for Shellpoint for pick up. ( In my case on XX/XX/XXXX as per USPS tracking XXXX - no late fees to be generated ). 

Shellpoint must indicate the correct address for payments on its statements/correspondence and must not reroute envelopes containing payments to different mailboxes in different zipcodes causing delays/non receipts and enriching themselves with unfair fees. 

Please see attached and investigate.

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 2025-04-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Transunion both XXXX has not reported correct credit card usage since XXXX & XXXX on my XXXXXXXX XXXX XXXX. Can we get these companies that are required to update monthly do there job. This is showing Incorrect usage. Thank you in advance for your assistance

Company response to consumer: Closed with non-monetary relief