vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
XXXX XXXX Bank is inaccurately reporting fraudulent information because I have been making payments monthly to pay this closed account. I have made a total of {$350.00} worth of payments since XXXX of XXXX  to present. My credit limit on this account was only {$450.00} and was closed by your company in XXXX of XXXX. Since then, you have marked my credit with late remarks even though I was unaware the account was closed since I never received notification from XXXX  XXXX because I moved and my mail was delayed. As well as I opened up a new banking account that I updated in XXXX XXXX portal but it didn't reflect. I am requesting that this item be fixed in my credit report, and all negative remarks get removed from XXXX XXXX including the late payment history.

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 2025-08-20 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: CA

Complaint narrative:
XXXX XXXX Bank is inaccurately reporting fraudulent information because I have been making payments monthly to pay this closed account. I have made a total of {$350.00} worth of payments since XXXX of XXXX to present. My credit limit on this account was only {$450.00} and was closed by your company in XXXX of XXXX. Since then, you have marked my credit with late remarks even though I was unaware the account was closed since I never received notification from XXXX  XXXX because I moved and my mail was delayed. As well as I opened up a new banking account that I updated in XXXX XXXX portal but it didn't reflect. I am requesting that this item be fixed in my credit report, and all negative remarks get removed from XXXX XXXX including the late payment history.

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 2025-08-20 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: CA

Complaint narrative:
XXXX XXXX Bank is inaccurately reporting fraudulent information because I have been making payments monthly to pay this closed account. I have made a total of {$350.00} worth of payments since XXXX of XXXX  to present. My credit limit on this account was only {$450.00} and was closed by your company in XXXX of XXXX. Since then, you have marked my credit with late remarks even though I was unaware the account was closed since I never received notification from XXXX  XXXX because I moved and my mail was delayed. As well as I opened up a new banking account that I updated in XXXX XXXX portal but it didn't reflect. I am requesting that this item be fixed in my credit report, and all negative remarks get removed from XXXX XXXX including the late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear, CFPB and all credit bureaus I am writing to formally dispute and demand a detailed investigation into the furnishing and/or access of my consumer report without my knowledge, authorization, or consent. Referring to Closed Account Comenity Bank XXXX # XXXX Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including when the consumer has given written instructions or consent. I have not provided any such written authorization to any individual, entity, or organization to access, obtain, or furnish my consumer report. 

Sincerely, I am requesting the following information. 
The name, address, and permissible purpose of any entity or individual that accessed or or received my credit report without my written consent. 
The date ( s ) and method by which such access was granted.

A copy of any written authorization or documentation you claim permits access to my consumer report.

Immediate removal of any unauthorized inquiries or data that were obtained without my consent.

If you are unable to verify that a permissible purpose existed, I demand removal of all unauthorized inquiries and/or related data from my credit file in accordance with 15 U.S.C. 1681 regarding the reinvestigation of disputed information. Please consider this letter as a formal dispute and reinvestigation request. I expect to receive a response in a 30- day timeframe. Please update me in writing with the outcome of your investigation and any action taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-20 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: MOHELA
State: TX

Complaint narrative:
Received no communication regarding the XX/XX/XXXX breach and account sale. 
Received email on XX/XX/XXXX that my Federal Student Loan Account was past due.

Attempted to login and create a profile to verify the debt and information- received messaging that no account was found utilizing my name, DOB and full SS #. 
I wrote to Mohela XXXX requesting a full verification of the purchase of account, account ledger, and disbursement records. Received no response. This letter was sent certified mail.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened up a capital one business credit card. Before the card came I made 2 purchases on the account using the virtual card. A purchase to progressive commercial auto insurance in the amount of {$1600.00} and a purchase for the XXXX  load board subscription. Both of these purchases are essential for me to operate my business. Once the card arrived I called to activate the physical card and capital one restricted my card saying they had to validate that I opened the account. I have 3 personal accounts with capital one so there should be no problem validating my identity. I was told to upload a picture of my drivers license front and back and a bank statement displaying the business address. I uploaded the documents to the link that they sent me immediately. Now Im being told that they have 10 days to validate my information, Meanwhile I have a driver who needs fuel who is over the road and stranded due to the card being restricted. Ive tried to rectify the problem calling them for 3 days. Ive been hung up on twice and told that they dont have anyone to file a complaint with nor has authority to rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
This complaint concerns various commercial loans that are currently being serviced by Shellpoint Mortgage Servicing. Shellpoint services a total of ( XXXX ) commercial loans consisting of ( XXXX ) scattered site properties that we own across various LLCs. 
There are two issues : our properties are single-family dwellings that are insured under a master insurance policy. Until XX/XX/year>, our insurance broker was XXXX, and our annual policy began on XX/XX/XXXX at XXXX and ended on XX/XX/XXXX at XXXX XXXX  the following year. XXXX was not the best at sending the policies out and I admit there were issues with Shellpoint receiving EOPs and COIs in the past. Knowing that we were changing carriers, I personally oversaw sending of certificates by our new insurance broker/producer, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so that Shellpoint received notice on XXXX XXXX that we had changed insurance companies and XXXX  emailed them property ( EOP ) and General Liability ( COI ) certificates for every loan being serviced by Shellpoint. Naturally, Shellpoint did not process many of these certificates and mailed us individual letters for every property, so I spent months resending insurance certificates for approximately XXXX or so loans for the past 10 months. This has been extremely labor intensive and provides insight as to why I have no energy or patience left to deal with this. 

Now, we are receiving various notices that Shellpoint has put Forced Placed Insurance on many of our properties and deducted the cost from our escrow accounts. Some of these cost {$8000.00} per property. This means I know I have to send the insurance certs for the fourth or fifth time and then I have to make sure we receive the correct credit to our escrow account. We do not have the person power for this, and I do not believe it should be this difficult. Shellpoint is completely incompetent, or they are doing this on purpose because they make money on the FPI (? ). I am at my wits end and I don't know what else to do. This could be a full-time position for someone to just deal with uploading and tracking insurance certificates for commercial loan servicers. 

The second issue is that Shellpoint does not list the Borrower correctly so when the insurance certs are sent they list an LLC, but Shellpoint is showing the Guarantor. I sent them a copy of the signed loan documents to review to prove that our version of the certificates are correct. They ignore my email and supporting documents and put FPI in place. This is specifically in reference to Loan XXXX and the property XXXX XXXX XXXX XXXX, PA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-08-20 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: WA

Complaint narrative:
I am requesting deletion of a vehicle lease account reported by XXXX due to multiple serious and unresolved credit reporting errors. 
XXXX reported a {$20000.00} payment on XX/XX/XXXX, which I did not make. This appears to be a charge-off or internal accounting action misreported as a consumer payment. 
XXXX reported a {$1500.00} balance in XXXX of XXXX, then a {$3200.00} balance in XX/XX/XXXX From XX/XX/XXXX through XX/XX/XXXX, XXXX reported {$0.00} payments repeatedly, falsely implying activity when no payments were made. 
From XXXX XXXX, the account shows {$40.00} balances each month, even though no scheduled payments were due and the account was inactive. 

My last actual lease payment was made on XX/XX/XXXX. After that, the vehicle was returned, and no further payments were made yet XXXX shows the last payment as XX/XX/XXXX ( which is due to their incorrect payment of {$20000.00}. 

These errors are misleading and violate FCRA and Metro 2 standards. I submitted disputes to the credit bureaus, and Equifax corrected the last payment date immediately, suggesting XXXX original reporting was inaccurate. 

However, the account continues to show inaccurate payment data, false activity, and an inflated balance. I am requesting full deletion of this tradeline due to its continued material inaccuracies.

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 2025-08-20 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: WA

Complaint narrative:
I am requesting deletion of a vehicle lease account reported by XXXX due to multiple serious and unresolved credit reporting errors. 
XXXX reported a {$20000.00} payment on XX/XX/XXXX, which I did not make. This appears to be a charge-off or internal accounting action misreported as a consumer payment. 
XXXX reported a {$1500.00} balance in XXXX of XXXX, then a {$3200.00} balance in XX/XX/XXXX From XX/XX/XXXX through XX/XX/XXXX, XXXX reported {$0.00} payments repeatedly, falsely implying activity when no payments were made. 
From XXXX XXXX, the account shows {$40.00} balances each month, even though no scheduled payments were due and the account was inactive. 

My last actual lease payment was made on XX/XX/XXXX. After that, the vehicle was returned, and no further payments were made yet XXXX shows the last payment as XX/XX/XXXX ( which is due to their incorrect payment of {$20000.00}. 

These errors are misleading and violate FCRA and Metro 2 standards. I submitted disputes to the credit bureaus, and Equifax corrected the last payment date immediately, suggesting XXXX original reporting was inaccurate. 

However, the account continues to show inaccurate payment data, false activity, and an inflated balance. I am requesting full deletion of this tradeline due to its continued material inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: WA

Complaint narrative:
I am requesting deletion of a vehicle lease account reported by XXXX due to multiple serious and unresolved credit reporting errors. 
XXXX reported a {$20000.00} payment on XX/XX/XXXX, which I did not make. This appears to be a charge-off or internal accounting action misreported as a consumer payment. 
XXXX reported a {$1500.00} balance in XXXX of XXXX, then a {$3200.00} balance in XX/XX/XXXX From XX/XX/XXXX through XX/XX/XXXX, XXXX reported {$0.00} payments repeatedly, falsely implying activity when no payments were made. 
From XXXX XXXX, the account shows {$40.00} balances each month, even though no scheduled payments were due and the account was inactive. 

My last actual lease payment was made on XX/XX/XXXX. After that, the vehicle was returned, and no further payments were made yet XXXX shows the last payment as XX/XX/XXXX ( which is due to their incorrect payment of {$20000.00}. 

These errors are misleading and violate FCRA and Metro 2 standards. I submitted disputes to the credit bureaus, and XXXX  corrected the last payment date immediately, suggesting XXXX original reporting was inaccurate. 

However, the account continues to show inaccurate payment data, false activity, and an inflated balance. I am requesting full deletion of this tradeline due to its continued material inaccuracies.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I filed a dispute with PayPal regarding a significant transaction of {$5000.00}. The funds were incorrectly transferred to an individual with a similar name as the person that I was sending a payment to but with a different email address than the intended recipient. This error resulted in the failure of a planned XXXX birthday purchase for my wife, causing considerable distress and disappointment. The dispute was denied. My understanding is that PayPal 's internal processes failed to adequately verify the recipient 's information before processing the payment. I was not contacted prior to the transfer, nor was I given any opportunity to confirm the recipient details. The significant sum involved, {$5000.00}, demands a higher level of due diligence than evidently occurred. The lack of verification and subsequent failure to prevent this error constitutes a serious oversight on PayPal 's part. Given the substantial financial impact and the emotional distress caused by this clear error, I respectfully requested a full review of my dispute. I requested that they investigate the circumstances that led to this misdirected transfer and take appropriate steps to rectify the situation. They claim that they tried to contact the individual who received and accepted my money without success. I did a back round check on the individual, got his address, phone numbers etc., and contacted him myself. I told him he needed to contact PayPal to send the money back. He said he would take care of it. he now doesn't return my calls and I've heard nothing from him since. He basically stole the {$5000.00} and PayPal refuses to admit their mistake.

Company response to consumer: Closed with explanation