vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an XXXX XXXX XXXX Bank account ( Acct ending * XXXX ) that is currently reported as a " XXXX '' with a balance of {$750.00}. 

The reporting is inaccurate because : - The balance is inconsistent across my credit bureau files. 
- The charge-off date does not align with the actual account activity. 
- No documentation has been provided to substantiate accuracy. 

I have mailed disputes directly to XXXX Bank as well as the credit bureaus. Under FCRA 623, furnishers must ensure accuracy of reporting. Failure to verify with full documentation requires deletion.

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 2025-10-02 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion ( consumer reporting agencies ) and the furnisher JPMCB Card Services ( Chase Bank ) for continued reporting and re-verification of inaccurate information on my credit files. I have disputed these XXXX credit card tradelines with each bureau, including twice with Experian, on the following dates : [ XX/XX/year>, XX/XX/year>, XX/XX/year> ]. Despite notice, the bureaus and furnishers failed to conduct a reasonable reinvestigation and have re-verified the same inaccurate information without providing competent evidence of accuracy. This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681i ( FCRA 611 ) : duty of consumer reporting agencies to conduct a reasonable reinvestigation. - 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ( b ) ) : duty of furnishers to investigate disputes and report accurate results. - 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : duty of consumer reporting agencies to assure maximum accuracy. The continued reporting has harmed my creditworthiness, causing score suppression and difficulty obtaining fairly-priced credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-02 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * XXXX OXXXX 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 2024

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
in XXXX of 2025, I leased a vehicle from XXXX. The vehicle was a XXXX XXXX XXXX. Within XXXX weeks of having the vehicle, I started to experience issues with charging, and with the vehicle losing power while I was driving. I had been in contact with the XXXX dealership where I leased the vehicle from, but due to their frustration with me, they refused me service XXXX different times. Eventually, the vehicle would no longer start. Due to the fact that the dealership refused to even look at the vehicle, on XX/XX/year>, I had the car towed to a local XXXX certified shop that also happens to work on electric vehicles. They diagnosed the problem as battery cell failure, as well as ICCU failure. I then had the vehicle towed back to my house. No repairs were done, as the vehicle was under warranty. Given that I had given the XXXX dealership XXXX different attempts to fix the vehicle all of which they refused me service, I notified XXXX by letter on XX/XX/year>, that in accordance with Tennessee XXXX XXXX, I was terminating the lease. After I sent the letter, I was contacted by XXXX about a month later. I then turned over the diagnostic letter from the local shop, outlining the issue, as well as pictures of the error messages on the dash, outlining the issues with the battery, as well as a report from the XXXX outlining the near fatal accident that had almost happened due to XXXX of the times the vehicle lost all power on the interstate. I was told that I would be contacted after they had time to review everything. I was then contacted on XXXX and was given an offer to repurchase the vehicle, to which I accepted. I then heard nothing else for weeks. During this time, a tow truck showed up to pick the vehicle up. I assumed it was a part of the agreement we made that they would be repurchasing the vehicle. Instead, XXXX weeks later I get a notice from Experian that a repo has been placed on my credit report. Come to find out, instead of following through with the buy back, something happened internally with their communication and it got scheduled for a reposession and now my credit report has taken a hit because of the ineptitude of XXXX. I have all documentation, and unless this is rectified, I will be filing a lawsuit for damages to my credit. You have XXXX last chance to make this right.

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I dispute the presence of unauthorized accounts within my credit file. Please perform a detailed audit and delete them accordingly. Supporting evidence is enclosed.

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 2025-10-02 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: ID

Complaint narrative:
I have called an email several times to Shellpoint Mortgage Servicing to be shown legal documentation that they have legitimacy and servicing my mortgage loan and they continue to not respond to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : FAIRWINDS XXXX XXXX XXXX Acct # XXXX - Balance {$8100.00} XXXX BANK - Acct # XXXX - Balance {$1700.00} XXXX - Acct # XXXX - Balance {$6300.00} CAPITAL XXXX - Acct # XXXX - Balance {$10000.00} XXXX XXXX XXXX XXXX - Acct # XXXX * * * * - Balance {$2400.00} XXXX XXXX XXXX XXXX - Acct # XXXX * * * * - Balance {$2100.00} XXXX XXXX XXXX XXXX - Acct # XXXX * * * * - Balance {$1500.00}

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 2025-10-02 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
On XX/XX/year>, I obtained my Equifax credit report ( Confirmation # XXXX ) and found multiple accounts that I did not open or authorize. These items appear to be the result of identity theft or mixed-file errors. 

The unauthorized/inaccurate accounts include : * XXXX ( acct XXXX ) opened XX/XX/year>, reported charged off within only 6 months, with a balance of {$2100.00} and narrative codes showing Amount in High Credit is Original Charge-Off Amount. I never applied for or authorized this account. 

* XXXX XXXX, XXXX ( acct XXXX ) opened XX/XX/year> as a small charge account. I did not open this account and do not recognize it. 

* Capital XXXX Auto Finance ( acct 1001 ) reporting as a charge-off with ongoing negative history. The Equifax file shows the narrative Account Previously in Dispute Now Resolved by Data Furnisher. I did not authorize this account, and its continued reporting suggests a reinsertion/verification problem. 

* XXXX XXXX Bank ( acct 5774 ) reporting as a charge-off ( {$1100.00} ). The Equifax file shows the high credit equal to the original charge-off amount, which is inconsistent. I did not open this account. 

* XXXX XXXX Bank ( acct 4414 ) a second, separate XXXX XXXX tradeline, also charged off ( {$730.00} ), with the same inconsistency ( high credit equals charge-off amount ). I did not authorize this account, and the duplicate appearance suggests a mixed-file error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Yesterday on XX/XX/XXXX, I completed a refinancing auto loan through XXXX XXXX XXXX XXXX XXXX. I signed the paperwork but after reviewing the documents I decided not to go through with the loan. I contacted the bank within XXXX hours to rescind the loan and was informed XXXX have to contact Ally Bank to have them to send the check back. I contacted Ally Bank and was informed if the check amount was less than the payoff amount then they could send the check back. XXXX XXXX said due to Mississippi law, they couldnt put a stop payment on the check. I just wanted to stay with Ally because I have XXXX payments left but just wanted to see if the bank would give me a lower monthly payment and better XXXX rate. XXXX XXXX will not stop the payment and Ally will not send the check back. Both banks are giving me the runaround just to simply stop the check. It hasnt been a full XXXX hours since I signed the loan. I just want to be treated fairly and stay with Ally so we can own a truck in a year and 8 months instead of doing another 5 years with XXXX XXXX. I feel like Ive been treated unfairly in this matter. We got this loan with Ally in XXXX on a XXXX XXXX XXXX XXXX with over XXXX miles on it was crazy from the start. They rob us. We traded a vehicle and put a down payment on the vehicle and still had to pay {$36000.00} total when it wasnt even worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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