vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX XXXX and the handling of my secured credit card account. I opened this account with a security deposit and consistently made on-time monthly payments, maintaining a positive payment history with no missed or late payments. 

I was told by XXXX that my secured credit card would be upgraded to an unsecured ( regular ) credit card based on my good standing. However, despite reaching out to XXXX multiple times for updates and clarification about the conversion, I never received a clear response or confirmation. 

Instead of converting the account as promised, XXXX abruptly closed my credit card again, without explanation or any delinquency on my part. I did not miss payments, nor was I ever informed of any problem that would justify the closure of my account.

This closure has negatively affected my credit report and score, even though I upheld my end of the agreement and fulfilled all financial obligations in good faith.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing this account closure and its reporting. I request that the CFPB investigate this issue and ensure that XXXX either : 1. Removes this account entirely from my credit report, or 2. Updates the status to reflect that the account was in good standing and closed by the issuer without consumer fault.

Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent activity on my report please remove these fraudulent accounts.

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 2025-07-25 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 was compromised in data breaches involving XXXX XXXX, XXXX, and Equifax. The following accounts were affected : XXXX XXXX XXXX XXXX : {$630.00} XXXX  : {$890.00} XXXX : {$630.00} XXXX XXXX : {$3100.00} XXXX XXXX XXXX  : {$1100.00} XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX : {$2300.00} XXXX XXXX  XXXX : {$1100.00} XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXXXXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Discover Card and the handling of my secured credit card account. I opened this account with a security deposit and consistently made on-time monthly payments, maintaining a positive payment history with no missed or late payments.

I was told by Discover that my secured credit card would be upgraded to an unsecured ( regular ) credit card based on my good standing. However, despite reaching out to Discover multiple times for updates and clarification about the conversion, I never received a clear response or confirmation.

Instead of converting the account as promised, Discover abruptly closed my credit card again, without explanation or any delinquency on my part. I did not miss payments, nor was I ever informed of any problem that would justify the closure of my account.

This closure has negatively affected my credit report and score, even though I upheld my end of the agreement and fulfilled all financial obligations in good faith.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing this account closure and its reporting. I request that the CFPB investigate this issue and ensure that Discover either : 1. Removes this account entirely from my credit report, or 2. Updates the status to reflect that the account was in good standing and closed by the issuer without consumer fault.

Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this formal complaint to dispute an unauthorized hard inquiry that appeared on my credit report on XX/XX/year>. I did not authorize this inquiry, and I was never informed, nor did I provide written or verbal consent, as required under federal law 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report in connection with a credit transaction with the consumers authorization.

Additionally, 15 U.S. Code 1681b ( f ) prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization from the consumer.

Failure to comply with these laws constitutes a violation of the FCRA, and such unauthorized inquiries must be investigated and removed. 

XXXX XXXX XXXX INQUIRY DATE XX/XX/year> opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX XXXX INQUIRY DATE XX/XX/scrub>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 2025-07-25 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: NY

Complaint narrative:
I am filing this formal complaint to dispute an unauthorized hard inquiry that appeared on my credit report on XX/XX/year>. I did not authorize this inquiry, and I was never informed, nor did I provide written or verbal consent, as required under federal law 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report in connection with a credit transaction with the consumers authorization.

Additionally, 15 U.S. Code 1681b ( f ) prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization from the consumer.

Failure to comply with these laws constitutes a violation of the FCRA, and such unauthorized inquiries must be investigated and removed. 

XXXX XXXX XXXX INQUIRY DATE XX/XX/year> opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX XXXX INQUIRY DATE XX/XX/year>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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to Shellpoint Mortgage Servicing pursuant to RESPA ( 12 U.S.C. 2605 ( e ) ) and Regulation X. I requested full servicing history, assignments, transfers, trust/securitization details, accounting records, insurance activity, and proof of lawful collection authority under the UCC. 

Shellpoint responded on XX/XX/year>, but failed to provide critical documents including servicing records from prior servicers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), endorsements, XXXX  or trust disclosures, amortization schedules, 1099 forms, or insurance claims data. Their response recycled old documents and ignored required disclosures. 

On XX/XX/year>, I issued a XXXX follow-up demand under 12 C.F.R. 1024.35 ( i ). No remedy was provided. 

Despite this active dispute, Shellpoint continued collection efforts and pressured me toward a loan modification violating RESPA, FDCPA, and UCC 3-301, 3-309, and 9-203. I have reason to believe the loan may have been satisfied through securitization or insurance, and that Shellpoint may lack legal standing to collect. 

I am attaching my demand letter, audit findings, and complaint submitted to the Louisiana Attorney General. Shellpoints failure to respond in good faith or validate the debt requires immediate CFPB review and enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
When I reviewed my credit report today, I noticed several discrepancies that werent there before. At first, I thought it might just be a browser glitch, so I refreshed the page, but the inaccurate accounts remained. I kindly request that the documents Ive submitted be carefully reviewed so this issue can be resolved and I wont have to worry about it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-25 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-25 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:
This morning, while going over my credit report like I usually do, I was surprised to find unexpected errors. I attempted to refresh my browser, thinking it could be a temporary issue, but the incorrect accounts were still there. Im now requesting a thorough review of the documents Ive sent to help ensure this problem is resolved for good.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I applied to an apartment complex. The complex denied me so they returned my application fee in the form of a check. Months later a collection agency tells me I owe them money for the complex that I was denied for. I provided proof that I owe them nothing and they still keep verifying it as accurate and constantly calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-25 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: SC

Complaint narrative:
I have never lived in North Carolina, nor have I ever been a tenant at XXXX XXXX. In trying to move I was made aware that XXXX XXXX XXXX XXXX  was on my credit report with an owed balancenof {$240.00}. I never have been to this place nor have I any debt with them. My information was stolen and a debt was left that was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-25 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief