vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
I have been getting text messages from hallsted financial claiming I have various accounts and loans in collections. When I called them they said they had an account with my name and wanted to verify my identity with personal information which I was not willing to give them. I have current credit cards with XXXX of the accounts they are saying is in collections which is XXXX  XXXX but I am in good standing with XXXX  XXXX and my accounts are active. I have had fraud issues for years with my business and personally. My credit files are currently locked but I want to make sure I reported these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute of the fraudulent accounts that have been added to my credit report without my authorization. These accounts are entirely false and are misrepresenting my financial identity. Their continued presence is damaging, misleading, and unacceptable.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
This company calls multiple times a day from different numbers about a debt and has also contacted my co-workers and family members telling them I have a debt and they want payment. One coworker said they called her and was very rude and wanted her to contact me to tell me to pay which was very inappropriate and has affected my reputation with that coworker. Asked them to stop calling but they continue to call even more than before. I have already made payments on the bill through the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: VA

Complaint narrative:
I filed a dispute with XXXX on XX/XX/year> under Goods or Services Not as Described on my Western Union Prepaid XXXX account number XXXX. The dispute involved XXXX separate merchants : XXXX ( {$580.00} ) and XXXX XXXX ( {$570.00} ), for a total of {$1100.00}. XXXX improperly lumped both merchants into a single claim ( # XXXX ). 

On XX/XX/year>, I received an email from XXXX stating that my claim had been approved. However, I later discovered that the approval only covered {$670.00} {$100.00} from XXXX and {$570.00} from XXXX XXXX. The remaining {$480.00} from XXXX was denied without explanation. 

Instead of providing a proper denial letter or merchant evidence, XXXX produced an internal document claiming my case was part of a consistent pattern of false disputes. This reasoning is not relevant to my claim type and directly contradicts the fact that they approved a portion of the claim. By approving some charges and denying others under the same claim number without presenting any merchant documentation, XXXX failed to conduct a reasonable investigation as required by the Electronic Fund Transfer Act and Regulation E. 

Additionally, XXXX internal document contains defamatory language, accusing me of deliberately filing false dispute claims. This is a serious and unsupported allegation that damages my reputation as a consumer. It is improper for XXXX to substitute accusations for evidence in place of a lawful 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 2025-09-25 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/year> TO : XXXX XXXX credit card CERTIFIED MAIL / RETURN RECEIPT REQUESTED -- - NOTICE TO CEASE COLLECTIONS / CLAIMS Re : ALL CAPS Legal Entity XXXX XXXX -- - 1. Secured Party Creditor Notice I, XXXX XXXX, a living man, am the XXXX XXXX XXXX over the legal entity XXXX XXXX ( ALL CAPS name ). I have previously issued formal notice asserting my secured party rights under the Uniform Commercial Code ( UCC ), Articles 1 and 9, and all applicable federal and state laws, including 28 U.S.C. 1746.

-- - 2. Demand to Cease Any and all collection efforts, claims, or adverse actions by : XXXX XXXX, against the ALL CAPS entity XXXX XXXX or me, the living man, are hereby demanded to stop immediately. 

This includes, but is not limited to, debt collection, reporting to credit bureaus, liens, garnishments, or legal filings. 

All communications regarding any alleged obligations or claims must be directed to me, XXXX XXXX, Secured Party Creditor, in writing. 



-- - 3. Legal Authority This demand is made pursuant to : Uniform Commercial Code ( UCC ) Articles 1 & 9 UCC 1-308 / 1-103 ( Reservation of Rights ) 28 U.S.C. 1746 ( Declaration under Penalty of Perjury ) -- - 4. Effect of Noncompliance Failure to comply with this notice may result in legal action to enforce my Secured Party Creditor rights, including claims for damages for unlawful collection or interference with my secured interest.

-- - 5. Effective Immediately This notice is effective as of the date above and remains in effect until explicitly revoked in writing by me, XXXX XXXX, XXXX XXXX XXXX. 


-- - Signed Declaration : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Executed this XXXX day of XXXX, XXXX, at XXXX, PA. 

______________________________ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

______________________________ 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 2025-09-25 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:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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 explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : CPXXXX 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 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 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} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Formal Complaint Against Truist Bank for Failure to Validate Debt and Prove Standing to Collect To the Consumer Financial Protection Bureau, I am filing this complaint against Truist Bank for engaging in unfair, deceptive, and abusive practices by attempting to collect a debt while refusing to provide lawful validation and proof of their standing to collect.

1. The Dispute and Lawful Demand : On XX/XX/XXXX, I sent a formal demand to Truist Bank via certified mail disputing the alleged debt and requesting validation. My demand was based on my rights under the Fair Debt Collection Practices Act ( FDCPA ) principles and the Uniform Commercial Code ( UCC ), which governs negotiable instruments like the Promissory Note for this auto loan. 

Specifically, I demanded Truist provide : Proof of Standing : A certified copy of the original, wet-ink signature Promissory Note and the complete chain of title/assignments proving Truist is the current " Holder in Due Course '' or " Person Entitled to Enforce '' the instrument under UCC 3-301.

Complete Accounting : A full, itemized transaction history from account origination to present, justifying the principal, interest, and every fee claimed, as is my right under common law and truth-in-lending principles.

2. Truist Bank 's Failure to Respond Adequately / Their Inadequate Response : ( They Sent a Generic Statement ) : In response, Truist Bank provided only a generic computer-generated summary or account statement. This is wholly insufficient as it does not address my demand for the original instrument, proof of chain of title, or a verified transaction-level accounting. A ledger entry is not proof of ownership of the debt. 
3. Legal Basis for the Demand and Truist 's Violation : The core legal issue is standing. Under the UCC, the Promissory Note is the asset. The right to collect can not be separated from the physical instrument without a valid chain of transfer ( UCC 3-203 ). By refusing to produce the original Note and

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I am resubmitting a complaint regarding Shellpoint Mortgage Servicings handling of my mortgage assistance application. Despite multiple document submissions and a formal response to Shellpoints findings, I have not received confirmation that my application is under active review. 

Since XX/XX/2025, I have submitted all required documentation, including : - Mortgage Assistance Application - Hardship Letter - Updated Monthly Budget - Pay stubs, bank statements, and offer letter - XXXX and Taxpayer Consent Form - XXXX XXXX I also provided a detailed escalation timeline and responded to Shellpoints courtesy email dated XX/XX/2025, which requested documents already submitted. My formal response was sent on XX/XX/2025. 

Despite these efforts, Shellpoint has failed to : - Acknowledge receipt of my complete application - Provide a review status or decision - Respond in good faith or within reasonable timeframes I previously filed a complaint with the CFPB on XX/XX/2025, which was closed without resolution. I am now submitting this new complaint with updated documentation and a formal escalation timeline ( attached as PDF ). 
Requested Resolution I respectfully request that Shellpoint : - Confirm receipt and completeness of my application - Provide a timely review and decision - Comply with federal servicing standards under RESPA and CFPB guidelines I also request continued CFPB oversight to ensure Shellpoint acts in good faith and resolves this matter without further delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/year> Spoke with customer service about my account balancing showing I had a late fee charge. This was the first statement I had received. Requested full credit of late fee, explained I planned to pay balance in full. I was given a partial late fee credit of XXXX and was told my balance was XXXX. I then scheduled the XXXX through my banks bill pay. On XX/XX/year> I spoke with customer service again, told them I was receiving calls that my account was past due AGAIN. Explained to them that I paid my account balance of XXXX in full on XX/XX/year>. They informed me they did not receive my payment on time. I assured them I checked with my bank that issued the payment and it was sent on XX/XX/year> and was delivered to them on XX/XX/year>. That it took my bank XXXX business day electronically. My due date was XX/XX/year>. They informed me they were not responsible for XXXX party processing and now my account is past due at XXXX, which this is all LATE FEES. 
Again I explained to them that my bank records show my payment was posted on XX/XX/year> and was delivered to them XXXX business day later which was XX/XX/year> And I was unsure why my payment shows late on their end. They informed me they would not credit any late fees and the amount due will continue to acquire late fees until it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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