vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to address a serious issue regarding my escrow account and recent payments made to my new insurance company. My mortgage is serviced by NewRez, which is also known as Shellpoint Mortgage Servicing. 

On XX/XX/year>, a payment of {$9000.00} was sent to my new insurance company in error. The following day, XX/XX/year>, Shellpoint issued another check in the amount of {$4700.00}. I spoke with XXXX at that time and explained that the wrong amount of funds had been released. I was informed that if the stop payment on the incorrect check was approved, a new check would be mailed to me. If it was not approved, another check in the correct amount of {$4700.00} would be reissued the same day. 

On XX/XX/year>, I called again and spoke with XXXX to confirm whether the {$9000.00} had been returned. However, my escrow account still has not been updated, and it is now showing a negative balance of {$14000.00}. 

Please review and resolve this matter as soon as possible. I would appreciate written confirmation once my escrow account has been corrected and the proper funds have been applied. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
There are discrepancies in my TransUnion credit report. The items listed below require immediate investigation for accuracy. 

Inquiries XXXX Date : XX/XX/year>

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 2025-11-12 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: SC

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 non-monetary relief
Consumer complaint received 2025-11-12 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 am writing to formally dispute the following items on my credit report with the respective credit bureaus, as they contain inaccuracies that I believe need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details for each bureau where these discrepancies have been noted : Inquiries : XXXX XXXX XXXXXX/XX/year> Positive Accounts : No positive accounts are being disputed at this time. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my Student Loan account ending in XXXXXXXX XXXX XXXX XXXX XXXX on my Transunion credit report. 
XXXX  lists this account as 90 days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. TransUnion and XXXX  show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then 90 days late in XXXX of XXXX. A XXXX late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be deleted.

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 2025-11-12 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Account number XXXX I am submitting this complaint against Bloomingdales/Citibank for continuing to report inaccurate and fraudulent information on my credit report after being formally notified of identity theft. I filed an official police report for identity theft with the XXXX XXXX XXXX XXXX on XX/XX/year>, handled by XXXX XXXX, under Police Report # XXXX. Despite being warned and provided with proof of the report, Bloomingdales continues to furnish false data to the credit bureaus. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reason to believe is inaccurate, and 1681s-2 ( b ), which requires proper investigation and correction once a consumer dispute or identity theft claim has been submitted.

I am requesting that the CFPB investigate this matter and require Bloomingdales to immediately cease and correct all inaccurate and fraudulent reporting associated with my identity.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Inaccurate reporting on my credit report.I will consider all remedies available under the fair credit reporting act ( FCRA ), including filing formal complaints with the consumer financial protection bureau ( CFPB ) and other relevant authorities. Please send me written confirmation once the correction has been made. Ive attached copy of my ID, proof of address, and copy of page from my credit report showing the inaccurate entry for your reference. Thank you for your prompt attention to this matter. Sincerely. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$1300.00} Inquiry Disputes : XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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 2025-11-12 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items that I believe are inaccurately reported on my credit report with TransUnion. Please find the details below : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Inquiries XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : 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 2025-11-12 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: CA

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In XX/XX/year>, I opened a new credit card with the bank which was a PayPal XXXX. About 14 days later, the card was unexpectedly closed. I'm still being charged interest, despite the fact that the account was closed not by my choosing.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regardingAmerican Expressand their recent decision to cancel XXXX XXXX XXXX XXXX credit and charge cards ending XXXX myself, XXXX XXXX. 

Our company has maintainedexcellent payment historysince opening the accounts XXXX 2025, with significant legitimate business spending and timely payments. However, beginning XXXX 2025, we encountered serious technical issues with theAmerican Express website and mobile app, which resulted in payments beingscheduled from the wrong linked accounts. Around the same time, it appears our account wascompromised, and anunauthorized third-party accountwas added and used to make afraudulent payment, seemingly with malicious intent to harm our companys standing. 

When we contacted American Express, we were met withconflicting information from multiple representatives. One agent confirmed our accounts were closed, while another said they were in good standing. Furthermore, an American Expresschat representative explicitly advised us to place a stop paymenton an erroneous transaction that they claimedcould not be canceled internally. We followed their advice in good faith only to later be informed by another representative thatthis very stop payment was the reason for closing our accounts. 

Instead ofinvestigating the clear fraudandacknowledging the mishandlingcaused by their own representatives guidance, American Express has taken punitive action against our business. We have now received an official notice that our accounts are being closed, withno proper explanation or investigationinto the compromised activity or the conflicting instructions we received. 

This situation hasunfairly damaged our companys credit and reputation, despite our consistent record of responsible use and good payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am formally disputing the accuracy of late payments reported on my credit file for the following account : Creditor : XXXX The late payments reported on XXXX and XX/XX/year> are inaccurate/inconsistent across bureaus and unverifiable under FCRA 623 . 
I request that you conduct a full investigation and remove any unverified or inaccurate late payment marks from my credit report. 
In compliance with FCRA 611, please provide the method of verification, including the records you used, or delete the information if it can not be substantiated

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 2025-11-12 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 am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX XXXX XXXXXXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$2500.00} FIRST XXXX XXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX  XXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX XXXX  XXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX, Acct # : XXXX Opened XX/XX/XXXX, Balance : {$0.00} Issue : These items appear to include duplicates, unverifiable charge-offs, and inconsistent reporting between bureaus. Please investigate thoroughly and remove any unverifiable or incorrect entries. 

Inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( listed twice ) Issue : Multiple inquiries appear duplicated or possibly unauthorized. Please confirm whether they were made with my permission and remove any unverified or duplicate entries. 

Late Payments XXXX XXXX XXXX XXXX, Acct # : XXXX XXXX XXXX, Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX, Acct # : XXXX Issue : Late payment reporting is inconsistent across bureaus. I request a full reinvestigation and removal of any inaccurate or unverifiable information.

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 2025-11-12 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 am submitting this dispute to bring attention to several inaccuracies I have identified on my credit report. These discrepancies are affecting my credit score and financial wellbeing. I respectfully request that these issues be investigated and resolved promptly. 

Inquiries : XXXX, XX/XX/year>

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used my Capital One debit card through XXXX XXXX to purchase merchandise on XXXX, XXXX the amount of {$98.00}. I never received the item. The seller later said a replacement would be shipped but provided no tracking number, and no item was received. 

I filed a dispute with XXXX XXXX ; it was denied on the basis that the payment was authorized, with no delivery evidence supplied. I then filed a dispute with Capital One, which denied my claim stating the transaction was verified. That decision appears to confirm only authorization, not fulfillment. 

Under Regulation E ( 12 CFR 1005.11 ), non-receipt of goods is an error, and the issuing bank must conduct a reasonable investigation. No documentation shows delivery of either the original or replacement merchandise to me. 

I request that Capital One reopen the dispute, obtain proof of delivery if any, and credit the {$98.00} to my account if none exists. Supporting documents : transaction record, XXXX XXXX and Capital One denial letters, seller communications showing no shipment.

Company response to consumer: Closed with explanation