vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

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 id-entity 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 Federal 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 4 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 complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XXXX I served Shellpoint Mortgage Servicing ( NewRezLLC ) my Defect Packet as a formal XXXX XXXX documenting : Tablefunding of {$200000.00} by XXXX XXXX XXXX instead of the disclosed lender ; Misclassification of a {$25000.00} family advance as a gift ; and Blank XXXX unsigned endorsement on the Note. 

More than five business days have passed without the required written acknowledgment ( 12C.F.R.1024.35 ( a ) ), and Shellpoint has not initiated or communicated any investigationeven though they must complete it within 30 days. They continue to misapply my payments and hold escrow funds on a materially defective loan in blatant disregard of RESPA and TILA.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This account has been closed for almost 2 years and its still negativitly hitting my credit

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 2025-07-15 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: FL

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays is stating I opened a credit card account through them for XXXX XXXXXXXX in which I did not in XXXX oXXXX XXXX This account was opened with fraud and identify theft. Ive called to report the account fraud and to be closed about 10 times and they refuse to. They insist that they conducted an investigation and conclude that I somehow opened the account. They refuse to share the information on the account. The email on file doesnt match up to any of my emails and wont tell me where this account was opened at as far as location. Ive had to put freezes on my credit due to this. I had 2 other accounts opened under my name the same day and had those removed and close but this company refuses to close the account. Ive stated to them my social was stollen a few years back

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 2025-07-14 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: FL

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 2025-07-14 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: IL

Complaint narrative:
While applying for a refinance to to add an addition to our home it was brought to our attention the incorrect information in my credit report. According to the 15 U.S. C 1681 law there should not be any damage on my credit report as this is a defamation of my character.

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 2025-07-15 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: PA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing 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 2025-07-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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: MA

Complaint narrative:
I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).

According to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ insert name of creditor, collector, or entity ] to access or furnish any information regarding my consumer report. 

As such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.

If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days. 

Sincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of Birth : 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 2025-07-14 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: MA

Complaint narrative:
I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).

According to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ insert name of creditor, collector, or entity ] to access or furnish any information regarding my consumer report. 

As such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.

If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days. 

Sincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of Birth : XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: MI

Complaint narrative:
Sunlight Financial financed our solar system through XXXX XXXX on XX/XX/XXXX. The system was never completely installed when XXXX XXXX, then XXXX XXXX, went bankrupt. I attempted to get Sunlight Financial to finish the installation as per contract 's FTC Holder-in-Due Course clause on page 14, Sunlight Financial is liable for all claims and defenses against XXXX XXXX 's failure to deliver a functional solar system, attempts to get Sunlight Financial to correct the system drug on for nearly XXXX XXXXXXXX  before being told to go find our own contractor to finish it in violation of fair lending practices under the XXXX  Consumer Protection Act and federal law. Despite Sunlight itself sending an email stating that the system was non-functional. We have demanded the the immediate suspension of all loan payments at {$560.00} per month, full cancellation of the {$70000.00} loan and refund of all payments made {$18000.00} of which {$18000.00} is interest alone, and a written confirmation of these actions by XX/XX/XXXX. Sunlight Financial has ignored our requests completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I paid my debt to the Army and Air Force Exchange Service ( AAFES ) Military Star Card program in full on XX/XX/year>, in the amount of {$5400.00}. This debt was being collected by XXXX XXXX XXXX XXXX ( XXXX ). However, XXXX retained {$870.00} in fees from my payment before paying off my actual debt, leaving a balance that should have been cleared. 

These fees were never disclosed to me, and according to the Exchange Credit Program Agreement issued by AAFES, no such fees are authorized. The agreement only allows a Returned Payment Fee of up to {$25.00}. There is no authorization to deduct or retain large fees before remitting the payment to the original creditor. 

XXXX then generated a new account number and sent a new bill, despite my full payment this feels like account manipulation or double billing. 

I believe this violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ( 1 ) ), which prohibits collecting any fee not expressly authorized by the original agreement or permitted by law.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase reduced my credit line from {$10000.00} to {$3700.00} without any prior notice after I made a {$7000.00} payment to the account. I was not informed of any account review or adverse credit information, and the payment was accepted and cleared. I was told I must wait until the lending department reopens, which is unacceptable because this credit is needed for business obligations. This reduction has placed my business in a bind and I was not given a proper explanation or legal notice as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My complaint is against Navy Federal Credit Union They are accusing me of fraud for accepting money owed to me by a friend XXXX XXXX that decided to pay me through XXXX. They won't accept for the person, XXXX XXXX XXXX that sent the money to explain the situation to them that I didn't do anything wrong the one that did was his girlfriend. XXXX XXXX. That also admitted to Navy Federal Credit Union in writing that I had nothing to do with it on XX/XX/XXXX XXXX they have closed my account and right to any services with them. On XX/XX/year>, they are now accusing me of disrespect the staff. which I didn't. They hang up on me, they refuse to give me documentation on the matter. they are very rude and disrespect me. 

I have been with Navy Federal Credit Union For XXXX  years. They were very helpful to me in the pass. i don't understand what's going on and the mistreatment. that I've been from them. They refuse to let me speak to upper management about this situation. They have place me under fraud on my record. I can't even get an apartment due this situation. I'm homeless right now. I'm being denied for apartments. I'm XXXX, on XXXX  XXXX and on Social Security not able to get an apartment anywhere. 
I'm XXXX XXXX XXXX and I've never done anything fraudulent in my life. I might end up losing my XXXX  XXXX XXXX because of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX  I stopped at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to refuel my sons XXXX XXXX XXXX, the pump either malfunctioned or it was pre-tampered with because as soon as my son pressed the gas nozzle the amount of {$150.00} appeared on the gas pump screen. He immediately stopped pumping gasoline within XXXX second and we both notified the office staff. We gathered all of the pertinent information and names of staff on duty, subsequently a staff member advised us to use a different gasoline pump and I prepaid cash for that transaction. I immediately called Marcus GM MasterCard ( Goldman Sachs Bank ) on the same date at XXXXXXXX XXXX XXXX and was told that I can dispute the charge but it must post first. Since that date I have made over XXXX calls and placed the charge in dispute multiple times. I sent in via XXXX Mail to the aforementioned credit card company all the receipts including the cash receipt for the payment. Furthermore I provided all the names of the witnesses present and had the district manager of the XXXX review video, he agreed no fuel was dispensed. I also contacted XXXX billing department and provided all of the details to help resolve the dispute. I then relayed all of the phone numbers and email addresses to the credit card company to assist in the resolution. Marcus did not even make an effort to contact the witnesses, because I took it upon myself to follow up with XXXX XXXX, who is the district manager. Furthermore it is physically impossible to put over XXXX gallons of gas into a XXXX XXXX XXXX XXXX. I also purchased gasoline with cash there in under XXXX minutes from the first transaction with the credit card. Time and time again the credit card company refuses to dismiss the erroneous charge. I am being treated beyond unfair. I am being taken as a joke and not a customer. The time that this dispute has taken is ridiculous, and my time dealing with this situation is beyond unfair that it is mind boggling.

Company response to consumer: Closed with monetary relief