vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

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 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 2025-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning, even after I refreshed my browser. This issue is stressing me out, and I urgently ask that the documents I submitted be reviewed thoroughly so this can be fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NV

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following accounts, which I do not recognize and/or do not recall authorizing : XXXX XXXXXXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$1000.00}. 
XXXX XXXX XXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$520.00}. 
XXXX XXXX XXXXXXXX XXXX Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$720.00}. 
XXXX XXXX Account opened XXXX XXXX, XXXX, Status : Charged off, {$800.00} written off as of XX/XX/XXXX, Original Balance {$870.00}. 
XXXX XXXX Account opened XX/XX/XXXX, Status : Paid in settlement, Closed XX/XX/XXXX, Original Balance {$240.00}. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 

This is the third time Ive had to say something in regards to these accounts please do a thorough investigation

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I am a victim of identity theft. Multiple accounts have been opened or reported in my name without my knowledge or consent. Fraudulent Department of EducationXXXX XXXX XXXX include : {$6400.00} opened XX/XX/XXXX, {$6200.00} opened XX/XX/XXXX, {$4100.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$1800.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, and {$910.00} opened XX/XX/XXXX, many of which were deferred or previously disputed. Additional unauthorized credit and collection accounts include XXXX XXXX ( {$19000.00} high credit, {$10000.00} balance, repossessed XX/XX/XXXX ) ; XXXX XXXX ( {$960.00} balance, XX/XX/XXXX ) ; XXXX XXXX XXXX  ( {$500.00} high credit, {$930.00} balance, charged-off XX/XX/XXXX ) ; XXXX ( {$290.00} high credit, {$560.00} balance, charged-off XX/XX/XXXX ) ; XXXX XXXX  ( {$520.00} and {$930.00} balances, collections ) ; XXXX XXXX ( {$500.00} and {$500.00} balances, collections ) ; XXXX XXXX ( {$240.00} high credit XXXX {$210.00} balance, delinquent XX/XX/XXXX ) ; XXXX  XXXX  ( {$750.00} high credit, {$55.00} balance, charged-off ) ; XXXX  XXXX ( {$300.00} paid charge-off ) ; XXXX XXXX XXXX XXXX ( {$100.00} balance {$0.00}, collections ) ; and XXXX ( {$700.00} balance {$0.00}, charged-off ). I also have multiple unauthorized hard inquiries from XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and other lenders. I have had active extended fraud alerts with Experian, TransUnion, and Equifax since XX/XX/XXXX. I did not authorize these accounts, debts, or inquiries. I request the removal of all fraudulent accounts and inquiries from my credit file and protection from further misuse of my personal information. will also attach my theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I am a victim of identity theft. Multiple accounts have been opened or reported in my name without my knowledge or consent. Fraudulent Department of EducationXXXX XXXX XXXX include : {$6400.00} opened XX/XX/XXXX, {$6200.00} opened XX/XX/XXXX, {$4100.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$1800.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, {$1100.00} opened XX/XX/XXXX, and {$910.00} opened XX/XX/XXXX, many of which were deferred or previously disputed. Additional unauthorized credit and collection accounts include XXXX XXXX ( {$19000.00} high credit, {$10000.00} balance, repossessed XX/XX/XXXX ) ; XXXX XXXX ( {$960.00} balance, XX/XX/XXXX ) ; XXXX XXXX XXXX  ( {$500.00} high credit, {$930.00} balance, charged-off XX/XX/XXXX ) ; XXXX ( {$290.00} high credit, {$560.00} balance, charged-off XX/XX/XXXX ) ; XXXX XXXX  ( {$520.00} and {$930.00} balances, collections ) ; XXXX XXXX ( {$500.00} and {$500.00} balances, collections ) ; XXXX XXXX ( {$240.00} high credit XXXX {$210.00} balance, delinquent XX/XX/XXXX ) ; XXXX  XXXX  ( {$750.00} high credit, {$55.00} balance, charged-off ) ; XXXX  XXXX ( {$300.00} paid charge-off ) ; XXXX XXXX XXXX XXXX ( {$100.00} balance {$0.00}, collections ) ; and XXXX ( {$700.00} balance {$0.00}, charged-off ). I also have multiple unauthorized hard inquiries from XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and other lenders. I have had active extended fraud alerts with Experian, TransUnion, and Equifax since XX/XX/XXXX. I did not authorize these accounts, debts, or inquiries. I request the removal of all fraudulent accounts and inquiries from my credit file and protection from further misuse of my personal information. will also attach my theft report.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) XXXX [ Todays Date ] To : XXXX XXXX XXXXXXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request Under Section 604 of the Fair Credit Reporting Act Dear Sir or Madam, I am writing pursuant to Section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) to request disclosure of the specific permissible purpose under which my consumer credit report has been accessed.

Please provide the following information for each inquiry on my credit file : 1. The name of the party or entity that accessed my credit report.

2. The specific permissible purpose for which my credit report was obtained.

3. The date and time the inquiry occurred.

4. Any supporting documentation that establishes the legitimacy of the inquiry.

This request is being made to verify whether each inquiry was properly authorized and compliant with the FCRA.

Please mail all responses and documentation to my address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( Signature ) 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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
My Prepaid Center 's virtual Mastercard is not working online or in my XXXX XXXX digital wallet, and I am unable to speak with a customer support representative. My card balance of {$16.00} exceeds the online XXXXXXXX XXXX XXXX  order of {$16.00}, which I have attempted to submit online using my XXXX XXXX  account several times over a period of approximately 30 minutes. Still, I continue to receive a message regarding technical issues. When trying to get the problem resolved via My Prepaid Center customer support, there are no options for the consumer to select regarding technical issues, and no live person to speak with. The transaction date is XX/XX/year>. I have had issues previously with two of the other My Prepaid Center virtual Mastercards and was finally able to get them resolved with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello, I called twice, but you did not provide a release or sign off on the lien. Please note that under Texas law, judgment liens generally expire after 10 years following the date the abstract is recorded and indexedunless they are revived or extended through legal action. 

Because this lien has been in place for over a decade, it's no longer legally enforceable. Please proceed with releasing the lien as required under state law.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
A new XXXX Card was sent to me and shortly after I got it I was texted that my card might have fraud charges. XXXX alerts me so I call them and dispute it. That was around XX/XX/year>. So today they reached out to me that my account was delinquent for the {$30.00} fraud charge and they added late fee and interest. After 3 more times being transferred and another hour wasted on this I decided to hang up and dispute it. Nobody can figure it out.

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
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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 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 XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX XXXX Account Number : XXXX 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 2025-08-27 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: NJ

Complaint narrative:
Equifax is reporting a child support account with multiple late payments that I never authorized or received proof for. No signed contract, billing statement, or legal document has been provided to validate this reporting. This is not a traditional credit or loan account, and Equifax has no legal basis to report it as delinquent. The information being reported is inaccurate and damaging to my credit. Equifax has failed to investigate this properly under my previous complaint ( CFPB XXXX # XXXX ), and continues to report this account with late payments while other bureaus reflect the account as current and accurate. I am demanding that all late payments be corrected to show on-time status or the account be deleted entirely. This situation violates FCRA 1681i, 1681b, and GLBA. Full legal document attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Pursant to XXXX and XXXX Shellpoint Mortgage Servicing Subject : Escrow mismanagement, Late fee Accumulation, and Forclosure Despite Mitigation Application Summary Of Issue : Shellpoint Mortgage Serving has signicanly incresed my monthly ecsrow payment by {$460.00} without adquate justifcation, reasing my total mortgage payment from XXXX to {$1700.00}. This sudden and unexlpained placed me under finacial Duress and pushed my account into delinquecy, despite my consistent efforts to remain within in XXXX payment of current. 
On XX/XX/year> Shellpoint sent me a letter offering a loan assistance application, which I competed and submitted the same day. Under 12 CFR section 1024.41, Shellpoint is required to pause foreclosure activity while a complete loss mitigation allpication is ubder review. However they continue to issue foreclosure theats and apply late Fees, whichi are artificiually inflating my deinquent status. 

Key Issue : Escrow increase lacks tranparacy and justication Late Fees Foreclosure threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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