vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-02 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: TX

Complaint narrative:
Ive found some suspicious accounts on my credit report that I did not authorize, which may point to identity theft. Ive brought this to your attention before, and XXXX now formally requesting that these accounts be removed right away. The presence of these accounts has caused a lot of stress and doesnt reflect my actual credit history or financial actions. If necessary, XXXX ready to take legal steps to protect my rights. These inaccuracies are major barriers to achieving important goals, like purchasing a home and ensuring my familys financial security. I hope this matter can be settled quickly.

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 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: IL

Complaint narrative:
Failed to disclose details in false Attorney Fees Filed a lawsuit prior to giving me proper notice of being served ( Attorney XXXX accused me Evading Process Server XXXX law firm ignored my cease and desist notice to XXXX office paralegal XXXX XXXX Attorney XXXX has intimidated me to drop this complaint in order to discuss matter with XXXX properly XXXX XXXX XXXX XXXX XXXX failed to communicate lawsuit during email correspondence to resolve matter as cease and desist letter to deal with original creditor I filed complaint XX/XX/2024 against this law firm and now I feel they Violated FCRA Rights Attorney XXXX has claim to provide myself with this unrealistic payment plan that only allows myself to sign but doesnt include XXXX who has been in ICU for XXXX time and Rehabilitation since early XXXX and has not been coherent enough to even sign or attend court Imitating and feeling like bullying well my mindset at time isnt right well thinking of Mother well being All documents and emails included

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I've had a " XXXX/XXXX  '' credit card account that I paid and closed the account as of XX/XX/XXXX. When I look at my credit report is still showing active indicating that I have late payments when, I do not as of XX/XX/XXXX. It also shows that my account was officially closed as of XXXX XXXX. Which initiate derogatory late payments on my credit report, after my account was closed in XXXX of XXXX. I tried to dispute the matter with the credit bureaus who reached out to the company and no results were changed on my credit report. The company indicates that the information was correct, but it is showing a lot of errors in the information that is shown, it was never given to me. It is still showing late payments as the date of XX/XX/XXXX, XXXXwith the status of account closed. 

Here 's a copy of my dispute letter that was sent off in the mail to the Company with no response. 

XXXX XXXX XXXX. XXXX XXXX, OH XXXX Subject : Formal Dispute of Late Payments on XXXX XXXX Credit Account under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my XXXX XXXX  credit account issued by XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, and my address is listed above. Please consider this letter a formal request under the Fair Credit Billing Act ( FCBA ) and 15 U.S. Code 1666b, which governs the time allotted for making credit card payments.

According to 15 U.S. Code 1666b, a credit card issuer must allow a minimum of 21 days from the time the statement is mailed or delivered for the cardholder to make the required payment before it can be considered late or subject to finance charges. I respectfully request that you review whether the timing of my payments and the application of late fees were compliant with this federal regulation. 
I also request : XXXX. A full investigation into the reported late payments. 
XXXX. The removal of any late payment not properly validated under the FCBA and 15 USC 1666b. 
XXXX. Written confirmation of the results of your investigation. 
XXXX. If the information is found to be inaccurate or unverifiable, its deletion from my credit report with all credit reporting agencies to which it was furnished. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well. I expect written confirmation within the timeframe required by law. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
On XXXX I paid XXXX cent to Shellpoint Mortgage, the payment showed due date of previous for XX/XX/year> a total of {$4100.00} due. Shellpoint Mortgage recieved my payment on XXXX but they showed I was behind one month. The Grace period was the XXXX and I paid {$1700.00} on the XXXX. 
Going back to XX/XX/year> was when the delinquient paylent started showing up. NewRez had not allowed me to pay the escrow increase to keep my payments the same. There wasn't a statement for XXXX XXXX which the the sum monthly total came to {$1700.00}. per month without notice .. This month totaled {$3800.00} On XX/XX/year> they callled with the same harassing call the last of every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acccount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX *, XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX *, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified to deleted from the file of the consumer. 
And according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
- Inaccurate information - proof last payment inaccurate - open and closed date - original contract not confirm ir provided to consumer with Original signature I looked at my Experian Credit Report on XX/XX/2025 and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, my Venmo account was suspended. They sent me an email for verification of identity so I sent them everything they asked. They then emailed back and said they needed proof of a bank statement of the card linked to my Venmo. I submitted the bank statement and stated that, it was my grandson 's bank statement since he's my primary caretaker and his debit card is on the account. I've been scammed a lot so I've put my grandson in charge of my finances and he buys me whatever I need under his card. I tried withdrawing the money to his card to go grocery shopping for me and they sent the transfer back and suspended my account. I want that money on his card since he had to pay for the groceries out of his own pocket. Today XX/XX/XXXX, They told me that my account was not going to be unsuspended and the funds would remain under them and not released to me and my grandson.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I contacted Transunion, requesting that they would update my credit report and remove the comments off my report. I waited the XXXX XXXX as I was told it would take that long for it to be removed. It still hasnt been removed and its hindering me from getting a mortgage. I had a collection from fair collections and outsourcing for a little over {$2400.00}. I paid the debt and fair collections and outsourcing and reported it to all three agencies. TransUnion has failed to update the account to show paid in full also I requested for agency to remove any dispute comments off of that account and they still havent done it. I can not get a mortgage because my loan wont go through as long as theres any disputes in there and it has ruined my credit.

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 2025-07-02 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX Balance : {$1900.00}

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-07-02 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: IN

Complaint narrative:
XXXX XXXX XXXX account # XXXX This account is reporting inaccurate late payments to all three credit bureaus .. Ive shown bank statements proving my payments were made on time and they.. This process is stopping me from passing underwriting to own a home .. Ive tried talking to the bank to no avail .. I need to removed TILA ( truth in lending act )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
XXXX XXXX XXXX account # XXXX This account is reporting inaccurate late payments to all three credit bureaus .. Ive shown bank statements proving my payments were made on time and they.. This process is stopping me from passing underwriting to own a home .. Ive tried talking to the bank to no avail .. I need to removed TILA ( truth in lending act )

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX account # XXXX This account is reporting inaccurate late payments to all three credit bureaus .. Ive shown bank statements proving my payments were made on time and they.. This process is stopping me from passing underwriting to own a home .. Ive tried talking to the bank to no avail .. I need to removed TILA ( truth in lending act )

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 2025-07-02 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: WA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance {$94.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
After countless requests detailing how to apply loan payments, the servicer refuses to apply loan payments as requested. As such, this has forced me to repeatedly made double payments each month to keep my account in good standing. 

I am formally requesting that my loan be moved to a different servicer due to an obvious demonstration of profound incompetence that is severely affecting my financial and mental health.

Company response to consumer: Closed with explanation