vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: VA

Complaint narrative:
This XXXX is now under shellpoint and was discharged under XXXX  several years ago. I know when I sell my home the XXXX would have to be paid which will happen however they have continuously been harassing me with payment requests and the XXXX orginial balance was XXXX and many payments were made back in the begining but somehow its now over XXXX. Shellpoint is unable to find any original documentation which I have asked for. As well I have tried to work with them on allowing me to resume making payments and have sent paperwork into them well over XXXX different times but each time I send it in their pre paid postage return envelope they covienently don't receive something. And now I am back to receiving nasty calls and statements saying they will put me into foreclosure. They just denied any modification for 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On numerous recent occasions ( conversations with Citibank Credit Card Customer Service between XX/XX/year> and XX/XX/year> ), I have spoken with representatives located in the XXXX. My conversations were intended to include Payment Card Industry ( PCI ) and Personal Identifiable Information ( PII ) which I do not want to be referenced outside of my Host Country ( United States ). When I requested my call to be transferred to a representative located in the United States, I was told that my request was impossible and could not be fulfilled and then my call was promptly terminated by the offshore Citibank representative. Several of these conversations involved a Citibank Supervisor. I am formally submitting a grievance and complaint for the refusal of Citibank Credit Card Customer Service to transfer my call to a representative located in the Unit States.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
My personal information has been exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXXXXXX - XXXX, {$290.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX, {$690.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$600.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$8200.00}, opened : XX/XX/XXXXXXXX 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX of 2025 the Kentucky Department of Revenue. Mailed out a letter to me explaining to me that there was a suspicious income tax return that was trying to be filed in 2025 bearing my name and social security number. They explained on that they did not process the fraudulent tax return turn. Which I have not worked in several years do to medical reasons. I filed complaint against capital one due to my concerns about I was afraid of my identity being stolen due to a capital one data breach which I was an account holder of capital one. When they replied to my concern on the CFPB website in a letter to me. The expressed how I could contact them about any concerns I had about my complaint which I did. Several times which I was told my case would be escalated to highest department that handles the types of complaints. Its been several weeks and I have not had my issue resolved. This severe issue because this is concerning my name and social security number. I would like capital one resolve my complaint and concerns as soon as possible and I want to be compensated for everything I am going through at this moment due to this identity theft and harsh crime that I am suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Thanks, 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
In XX/XX/XXXX, I noticed several accounts and credit inquiries on my report that I did not authorize. These entries are the result of identity theft, and I had no involvement in opening or applying for any of them. 

The accounts in question are : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX The following unauthorized credit inquiries were also made and should be eliminated from my credit report : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXXXXXX XXXX Account Number XXXX XXXX Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXXXXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXX & XXXX Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-07 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Immediate Deletion of Unauthorized Hard Inquiries Under FCRA Dear Experian Dispute Department, I am writing to formally dispute the following unauthorized hard inquiries listed on my Experian credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), no inquiry should appear on a consumers credit report unless it was explicitly authorized or initiated by a consumers written instruction or credit application.

The following inquiries were not authorized by me, and I have not applied for credit or given permission for these entities to access my credit report : XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX Hard Inquiry on XX/XX/XXXX ( Additional ) XXXX XXXX Hard Inquiry on XX/XX/XXXX Under the FCRA 604 ( a ) ( 3 ), credit reporting agencies are only allowed to release a credit report when there is a permissible purpose, such as a credit application initiated by the consumer. Since no such application was made or authorized by me, these inquiries violate my rights as a consumer.

Additionally, the FCRA 611 ( a ) grants me the right to dispute any inaccurate or unverifiable information on my credit report, and you are legally required to investigate and delete unverifiable inquiries within 30 days of receipt of this letter.

This is a formal demand that Experian immediately delete these unauthorized hard inquiries from my credit file. Please send written confirmation that the inquiries have been removed.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for willful noncompliance under FCRA 616 and FCRA 617, which allow for actual and statutory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Capital One on a charged-off credit card account. The account number is partially listed as XXXX and is being reported to XXXX, XXXX, and XXXX. 

There are several inaccuracies with how this account is being reported : 1. Status Inaccuracy : The account is listed as charged off but is still marked as open. A charged-off account should not be reported as open, which is misleading and inaccurate.

2. Inconsistent Dates : While the open date is consistent across all three bureaus, the Date of Last Activity varies between them. This inconsistency violates the FCRA requirement for uniform and accurate data reporting.

3. Contradictory Payment History : The payment history reflects no data, then a charge-off, followed by three months of paid on time reporting, and then back to charge-off. This is internally inconsistent and misleading, as a charged-off account should not show paid-on-time statuses without clarification or supporting information.

These errors are causing ongoing damage to my credit profile and appear to violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I am writing to formally follow up on my previous complaint regarding the failure of Equifax XXXX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), Equifax XXXX has claimed that the disputed accounts have been " verified The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2400.00}

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 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation