vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
Attached are the complaints that have gone unanswered, causing undue stress both on me, my job and chances of losing my job over these Mortgage services. Mutiple complaints will be filed against NEWREZ/ ShellPoint/ XXXX to bring justice

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
In XXXX, I took out a loan with United Auto Credit Corporation ( UACC ) for a XXXX XXXX XXXX. The vehicle was repossessed and sold at auction on XX/XX/XXXX, for {$2800.00}. UACC sent me a letter stating that I still owed a deficiency balance of {$5400.00} after fees like repossession, storage, and sale preparation costs. 

In XX/XX/XXXX, UACC emailed me offering to settle the account for {$2900.00} and said they would remove the tradeline from my credit report. Shortly after, they offered to lower the settlement to {$2300.00}. I agreed to this lower amount and asked them for a formal settlement letter and a detailed breakdown of the fees included. 

Despite several follow-ups, UACC has not provided the itemized receipts I requested or sent me a written settlement agreement confirming the settlement terms and credit reporting updates. This has caused me stress and financial hardship, and I want to resolve this matter properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this complaint to dispute a collection/charge-off entry being reported by Experian that is both inaccurate and unverifiable, and its continued presence violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed as XXXX XXXX XXXX, account number ending in XXXX, with a charge-off date of XX/XX/year>, and a reported balance of {$10000.00}. 

I have reviewed my records extensively and have never received sufficient documentation from either Experian or XXXX XXXX XXXX validating this charge-off. No billing statements, contract agreements, payment history, or proof of delinquency have ever been provided to confirm the legitimacy of this entry. Without proper and verifiable documentation, this account can not legally remain on my report. Its continued reporting is damaging to my credit profile and financial reputation, especially when it is unproven and outdated. 

As someone who monitors their credit closely and takes their financial history seriously, I find this type of unsubstantiated derogatory reporting unacceptable. The FCRA, under 15 U.S.C. 1681e ( b ), requires Experian to report only information that is maintained with maximum possible accuracy. Furthermore, 15 U.S.C. 1681i grants me the right to dispute and request removal of any item that can not be fully verified within a reasonable time frame.

Experian has failed to meet both of these obligations. If Experian can not furnish the original documentation from XXXX XXXX XXXX showing exactly how this debt originated, when it became delinquent, how the balance was determined, and proof that it is lawfully associated with me, then this entry is by definition unverifiable under the FCRA and must be removed.

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 2025-07-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-07-01 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: AZ

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received and activated my XXXX credit card on XX/XX/year>. Upon activation, I discovered the account already showed a balance of {$210.00}, despite never having had physical possession of the card or the ability to make payments prior to that date. The balance included a {$170.00} annual fee, a {$25.00} late fee, {$5.00} in interest, and fees for credit protection for the months of XXXX and XXXX, even though I had never enrolled in that program and had not had the card or account available to me at that time. I called XXXX customer service on XX/XX/year>, and spoke with XXXX different agents over XXXX minutes, including a representative named XXXX ( ID XXXX XXXXXXXX ). They agreed to waive the {$25.00} late fee, but only as a 'one-time courtesy, ' which I challenged since I had not been in possession of the card before XX/XX/XXXX and could not have paid anything beforehand. They refused to remove the {$5.00} interest charge, and they also refused to remove the note about the courtesy waiver, which I believe is deceptive and inaccurate. I am very concerned about being charged for months when I had no card in my possession and never enrolled in credit protection. I consider these practices unfair and possibly predatory.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
In XXXX I received an email from Mohela to login to portal for correspondence. I logged in to discover my PSLF had been paid and I needed to update my information to process the refund. I immediately updated the information and was notified it would be 90 days to receive refund. In XXXX I called with long holds hang ups with no return calls. I finally reach them in XXXX to be told the would file a complaint on.my behalf and excelate the payment. Same thing in XXXX, and XXXX. I have called regularly to be told it's in accounting and that once at accounting i should receive a payment in XXXX to XXXX days. Since then I have called weekly to be told it's still in accounting and accounting is " a little behind ''. It had been XXXX  months and I still have not received my refund of {$1500.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 explanation
Consumer complaint received 2025-07-01 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am dispute several accounts that have been fraudulently opened in my name due to identity theft. I recently received a data breach notification from XXXX XXXX XXXX, which has led me to believe my personal information was compromised and used without my knowledge or authorization. 

I am invoking my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), which gives me the right to request full disclosure of all information contained in my consumer credit file, including the sources of the information and the procedures used to verify the accuracy and validity of the reported accounts. 

The following accounts have been fraudulently reported under my name : An account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts are not mine. I did not authorize, open, or use them. I have submitted formal disputes regarding each of these accounts and am now requesting the following under my rights in accordance with FCRA : A detailed description of the procedures used to verify the identity of the person who opened each account. 
The name and contact information of the party who furnished the information to the credit reporting agency. 
All records related to the application and approval process for these accounts, including IP addresses, device information, and any signatures used for authorization.

Immediate removal of these accounts from my credit report if verification can not be substantiated. 
Please consider this a formal demand for investigation and correction under the FCRA. I am also requesting that all collection activity and negative reporting related to these fraudulent accounts cease immediately during the course of the investigation. 

Thank you for your attention to this serious matter. I expect a response within the time frame mandated by the 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 2025-07-01 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: CL Holdings LLC
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXDebt Final Rule 1002. 142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the listed of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was in the process of applying for rental housing on XXXX, which required a credit report. I noticed on the credit report that my credit score was significantly lower than what I had thought it to be ( XXXX as of XXXX ). I then recieved a credit statement in the mail from Capital One regarding the account I was unaware of and saw that there was a Capital One credit card with a balance of {$430.00} ; a minimum payment due on XX/XX/XXXX of {$180.00} ; that the card had been created on XX/XX/XXXX ; and that the card itself was a Platinum Card, ending in XXXX ( I do not know the full XXXX account number ). I have never banked with Capital One, and I have been using a XXXX card as my sole credit card since XX/XX/XXXX. XXXX also disclosed that there was a history of late payments for the Capital One card, which has severely and negatively impacted my credit score, which is detrimental to me, as I am in the process of moving. 

I have since contacted Capital One ( case no. XXXX ), XXXX ( case no. XXXX ), XXXX  ( case no. XXXX ), and XXXX  to dispute and report fraud.

Company response to consumer: Closed with explanation