vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase froze {$8100.00} and closed the account, while confirming no court order or external legal restraint exists. Ive asked for the Fed Ref #, whether a wire recall was received, and a written policy basis + timeline for the hold ; Chase refuses to provide a timeline or release despite financial hardship. Regulation E does not apply to wires ; under UCC 4A, wires are final after acceptance. I request release/remittance of the {$8100.00} or a written explanation citing the legal/policy basis and expected resolution date. It has been over a month since they said they would send me the rest of my funds as a cashiers check. I can not pay my bills and am facing so many problems due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my Experian credit report, I noticed that my personal information is being reported inaccurately. My current and only correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX, yet Experian is still listing a previous address, XXXX XXXX, XXXX, TX XXXX, with a date of XX/XX/year>. 

Accurate personal information is critical because it ensures that my credit file is properly matched to my identity. Errors in addresses can lead to misattributed accounts, mistaken inquiries, and potential denials of credit or housing. Misreporting past or current addresses not only undermines my financial integrity but also exposes me to potential fraud or mistaken identity issues. Experians failure to maintain correct personal information constitutes a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in all consumer report data. 

The emotional and practical impact is significant. I am frustrated and anxious knowing that lenders or other institutions could be misled by outdated or incorrect address information. This error is not caused by me, yet it is my responsibility to address and correct it, placing an unnecessary burden on me while exposing my credit file to ongoing inaccuracies. 

15 U.S.C. 1681i also provides me with the right to have this information reinvestigated and corrected promptly. Experian must verify my current residence through credible documentation and update my report to reflect only my accurate and current address. Failure to do so undermines the reliability of my credit report and my ability to manage my financial life responsibly.

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 2025-09-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-09-30 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
To : EXETER FINANCE Attn : Credit Reporting Department Address : Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Dear [ EXETER FINANCE ] Representative, I am contacting you to formally dispute the information your company is reporting to the credit bureaus regarding the following account : o Account Name ( as listed on credit report ) : [ Exeter Fin ] o Reported Address : [ XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXX ] o My Current and Correct Address : [ XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX ] This trade-line is being disputed for XXXX separate and material reasons : The account on file reflects an address that is completely inaccurate and has never been associated with me. I have never resided at, used, or been affiliated with this address in any capacity. Reporting information under an incorrect identity- or using inaccurate personal identifiers - violates the Fair Credit Reporting Act ( FCRA ), which requires all data furnishers to report only complete and accurate information ( 15 U.S.C. 1681s-2 ). 
This inaccuracy calls into serious question whether this debt was ever validly associated with me at all. 
This debt has been sold or transferred to a third-party collection agency, and therefore, you are no longer the owner or servicer of the account. Under credit reporting standards, when a debt is sold, the original creditor is expected to : o Update the account to a {$0.00} balance o Note that the debt was " sold or transferred '' o Cease further derogatory reporting o Or remove the trade-line altogether if the reporting is inaccurate or misleading Continuing to report a derogatory trade-line with an outstanding balance and incorrect personal information - after the account has been sold- is misleading and may constitute willful noncompliance under the FCRA.

I respectfully request that you : 1. Delete this trade-line in its entirety from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) , OR 2. Provide written verification of the address you used to associate this debt with me, including how it was verified, AND 3. Provide documentation showing that the debt is still legitimately yours to report ( despite having been sold ). 
If your company can not substantiate the accuracy and ownership of this account, it must be deleted from all consumer reporting agencies under FCRA 611.

Please respond within 30 days as required by federal law. If I do not receive a response or if the inaccurate information is not removed, l reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have CITI double cash card and have statement balance around {$6500.00}. I have updated the payment to minimum amount but the deduction happened on statement balance and deducted amount from chase around {$6500.00} instead of around {$100.00}. have been asking CITI customer care from XX/XX/year> to return my money back they keep on delaying it by providing different dates and reasons. asking them to provide the exact date with confirmation mail but they are reluctant to sent an email and the money back. even i mentioned violation of regulation Z compliance to give my money back. they still delaying it. I have explained them i have to pay my bills on multiple customer care calls and chats but still not a positive response from them. please help out. have to pay my bills.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
Draft CFPB Complaint What happened? 

This debt being reported by RentDebt Automated Collections , LLC ( RDAC ) is not mine. I have never signed, authorized, or entered into any agreement with RDAC. They continue to contact me and report this account, even though I have disputed it multiple times. 

I filed disputes directly with the credit reporting agencies (XX/XX/XXXX ) as allowed under the Fair Credit Reporting Act ( FCRA ) Section 611. Each time, RDAC verified the account as valid, even though I sent supporting evidence showing clear inconsistencies in the amounts and dates. I also filed a complaint with the XX/XX/XXXX, and RDAC falsely claimed to have attached proof ( a lease and final statement ) but no such attachments were provided to me. 

RDAC has failed to properly validate this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809. Without proper validation, they can not legally continue to collect or report this account. Continuing to report unverifiable and inaccurate information is a direct violation of the FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require furnishers to only report complete and accurate information and to reasonably investigate disputes. 

I also have evidence showing that the amounts and dates reported by RDAC do not match actual records. Despite this, they continue to re-report the debt after my disputes, which is considered re-aging and is prohibited under the FCRA. 

RDACs actions are damaging my credit, violating my consumer rights, and causing ongoing harm. 

Requested Resolution : I request that the CFPB require RDAC to immediately delete this tradeline from all of my credit reports withXX/XX/XXXXdue to failure to provide validation, inconsistent and inaccurate reporting, and violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: FL

Complaint narrative:
Hello and thank you for taking my complaint and assisting in any way possible. This company has caused great turmoil since XXXX, never fully resolved and the WORST mortgage company I have ever dealt with in my adult life. All their reviews online are XXXX star. My original HELOC was transferred to Shellpoint Mortgage for servicing shortly after the loan was processed. On XX/XX/XXXX I made a phone call ( I have 8-10 recorded phone calls saved since the XX/XX/XXXX call which I didn't expect to have to record, wish I had ) The very nice representative informed me that I had {$670.00} to use with " checks '' they sent me. I told her that's not the case, I have a minimum threshold of {$2500.00} and I can't use that. She insisted that I could and said go ahead. I was thankful, needed it as I'm going through a lot of financial issues. I wrote the check, paid XXXX bills, then it was returned to Shellpoint because of what I said. Threshold was {$2500.00}. All my bills were returned unpaid, bank fees on all AND fees with the merchants I owed money to. Fees were well over {$300.00}. The domino effect took over for all other bills that were due now that the account was overdrawn from the return check. I am a single woman, every dollar counts and this threw me into a tailspin. I immediately called, started recording calls. They admitted the mistake and did nothing about it. I sent XXXX emails, they took 6 months to tell me they were wrong but not going to honor allowing the {$670.00} again as an exception. 6 MONTHS to tell me that AND tell me I had to submit bank records for fees. I had to close that checking account with all the issues, could not access anymore. I sent a letter in writing earlier this month ( XXXX ) asking in good faith once and for all for minimum of {$150.00} for fees ( XXXX of what I was charged ) No resolution still. Also, made another plea to reconsider the {$670.00}. NOTHING. This seems small, but the turmoil has been tremendous. Their response times are horrific and never resolving.I was not only going through a potential XXXX XXXX situation, having medical procedures not covered, large repairs in my home taking place, and this company could not resolve less than {$1000.00} for their mistake.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Subject : Dispute of Negative Items Related to Data Breach Request for Immediate Removal Dear [ XXXX ] Dispute Department , I am writing to formally dispute certain negative items listed on my credit report, which I believe are the direct result of a data breach that exposed my personal information without my consent. I request that these items be investigated and permanently removed from my

credit file under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

My personal identifiable information ( PII ) including my name, Social Security number, and other sensitive data was compromised due to a security failure by a third party, making me vulnerable to identity theft and fraudulent credit activity. 
The following accounts are inaccurate and should be removed : Creditor Name : XXXX Creditor Name : XXXX  XXXX XXXX Creditor Name : Target Creditor Name : XXXX XXXX Creditor Name : XXXX XXXX Legal Basis : Under FCRA 605B, consumers have the right to request the blocking and removal of information resulting from identity theft. Additionally, under FCRA 1681i, you are required to conduct a reasonable investigation into any disputed item and respond within 30 days. 
I have taken the necessary steps to report the identity theft and protect myself, including reporting it to the Federal Trade Commission ( FTC ) and placing a fraud alert with credit bureaus. 
Enclosed Documents : A copy of my government-issued photo ID Proof of my current address ( e.g., utility bill or bank statement ) A copy of my credit report with disputed accounts clearly marked [ Optional : FTC Identity Theft Report or police report ] Due to the nature and seriousness of the breach, I am requesting immediate removal of the fraudulent items from my credit report. Please send me written confirmation once the investigation is complete and the accounts have been removed.

If the matter is not resolved within the required timeframe, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 
Thank you for your attention and compliance with federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the week of the XXXX - XXXX of XXXX, XXXX, I cashed in some stocks, and had the total amount sent to my checking account ( Wells Fargo ). As of XXXX Monday morning, the money was pending. When I checked back around XXXX this morning, I had almost nothing. 

I called Wells Fargo to see what had happened to my money, and they said it was never received. I have emails from my brokerage firm detailing the fact that they were going to send sell and send the proceeds to Wells Fargo, and the exact stocks.

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 2025-09-30 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: AZ

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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