vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I demand that you immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify. Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been deleted from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. 


I demand that you DELETE every inaccuracy listed on my PERSONAL INFORMATION CREDIT REPORT : DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX, DELETE INACCURATE EMPLOYERS XXXX XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXXXXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, 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 non-monetary relief
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
To Whom It May Concern, This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) for full disclosure of your method of verification regarding the reinvestigation of the above-referenced account.

You stated that this account was verified as accurate ; however, you failed to provide the details, evidence, or documentation supporting that conclusion. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding the following information : 1. The method of verification you used in your reinvestigation.

2. The name, mailing address, and phone number of the furnisher or creditor who verified the information.

3. All documentation or records you relied upon to determine the accounts accuracy.

4. Proof that a reasonable reinvestigation was conducted as required by 15 U.S.C. 1681i ( a ). 

Failure to provide this information constitutes noncompliance with the FCRA. Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information, and must provide the consumer with a description of the procedure used to determine the accuracy of the information if requested.

Furthermore, under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), no consumer report shall be furnished to any person except for permissible purposes under the law. Any continued reporting or distribution of unverifiable or inaccurate information may constitute willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

If you can not fully verify and substantiate this account, you are required by law to delete it from my credit file immediately. 

Please provide the requested information and documentation within 15 days of receipt of this letter. I expect a written response with complete details as required under federal law. 

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 non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$8700.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$6100.00} Account name XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$440.00} XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-08 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: NY

Complaint narrative:
I am filing this complaint regarding major servicing errors, improper charges, and violations by Shellpoint/NewRez on my first mortgage. My loan originated with XXXX XXXX XXXX, was transferred through XXXX XXXX  XXXX, then XXXX XXXX XXXX XXXX, and is currently serviced by Shellpoint/NewRez. I have experienced continuous servicing violations, improper escrow handling, and illegal account activity while in active bankruptcy. 

1. Improper Charges Added During Active XXXX  XXXX While my XXXX  XXXX case was active, confirmed, and payments were being made through the Trustee every month, Shellpoint/NewRez added principal and interest to my loan in XXXX and increased the payment to over {$6000.00} per month. This is a violation of bankruptcy protections. They also demanded an additional {$10000.00} in XXXX while still receiving Trustee payments. 

2. Escrow Mismanagement Shellpoint/NewRez charged escrow amounts that should have been covered under XXXX XXXX XXXX XXXX. Their miscalculations created artificial shortages and inflated monthly payments. 

3. Chain of Title Confusion and Assignment Issues Court documents show multiple conflicting plaintiff names, including a stricken trust entity. Assignments from XXXX show transfers between XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX, but Shellpoint/NewRez has never provided proof of authority or a complete loan history. 

4. Improper Account Reporting and Failure to Correct Errors I have requested complete loan histories, audit logs, and explanations. Shellpoint/NewRez refuses to provide clear documentation or acknowledge their own errors. 

Requested Resolution : Full loan audit Correction of improper charges Removal of bankruptcy-period additions Correct escrow calculations Written explanation of standing and ownership Updated loan balance reflecting lawful amounts Thank you.

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 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
On XX/XX/year>, I decided to finance " internally '' with XXXX XXXX XXXX through their partnership with Bread Finacial, which is linked, advertised, and a checkout option through the XXXX XXXX purchasing portal for the purchase amount of {$7900.00} at approximately XXXX. 

Prior to finalizing, I confirmed in the " FAQ '' portion on Bread 's page, there is a down payment option at checkout. The prompt was never initiated. My plan was to pay half through my checking account via XXXX XXXX  for a lower monthly payment and starting balance. 

The loan processed the full amount. Out of confusion I called Bread Financial directly at XXXX. The service representative named XXXX stated they do not allow down payments and I would have to cancel my order with XXXX XXXX. After stating this is highly unusual, and I don't want to cancel my order. XXXX then refused to ask where the down payment would come from to verify it wasn't intended from an illegal way like another loan or credit card, I mentioned is from my personal checking. 

I asked to be transferred to a supervisor for an explanation as to why refusing down payments is their " policy '', the representative, XXXX, refused stating he did not have the ability to transfer to a supervisor, and would have one call me by end of day XXXXXXXXXXXX. 

I never received a call. 

I'm confident refusing down payment to buy down initiating principal on a small personal loan isn't on the legal side, forcing the highest balance and payment possible. This is clearly unethical and should be brought to attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I demand that you immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify. Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been deleted from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. 


I demand that you DELETE every inaccuracy listed on my PERSONAL INFORMATION CREDIT REPORT : DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/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 2025-11-08 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-08 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 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 ; 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 the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an unresolved issue with Barclays Bank. Despite my repeated requests to close my accounts, Barclays Bank has not completed the closure process or sent the final check as promised. 

The check was supposed to be mailed to the following address : XXXX  XXXX XXXX, XXXX, TX XXXX. 

To date, I have not received confirmation that my accounts have been closed or that the check has been issued. I have contacted Barclays Bank multiple times but have not received a satisfactory response or resolution. 

Please investigate this matter and assist in ensuring that Barclays Bank fulfills its obligations and closes my accounts properly. 

If you require additional information, I am happy to provide any necessary account details or copies of prior correspondence. 

Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
So I called Bank of America and told them I lost XXXX on my account then they made a claim, and gave me the money back then when the claim was completed they took all my money and have no funds in my account. And I told them someone stole my money.

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 monetary relief