vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My mortgage servicer placed me on multiple XXXX forbearance and/or loan modification plans due to pandemic-related hardship. Under the CARES Act ( Section XXXX ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), mortgage servicers were required to report accounts as current if they were current at the time of forbearance, or to maintain the same status they had when the accommodation started. Despite this, my mortgage company continues to report late payments on my credit report, negatively affecting my credit score. 

The Fair Credit Reporting Act ( FCRA ) also requires that furnishers of credit information report accurate and complete information to credit reporting agencies. By incorrectly reporting my account as delinquent during the forbearance periods, my mortgage company has violated these requirements. 

I have contacted the servicer multiple times requesting correction of these inaccurate late payment entries, but they have failed to resolve the issue. I am requesting that the servicer update my credit report to accurately reflect that no late payments occurred during any of the XXXX forbearance or modification periods, in compliance with the CARES Act and 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 2025-06-06 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-06 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-06 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: ID

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been attempting to receive funds that were deposited into an account I had with Citibank on XX/XX/scrub>/2025. Once I did the mobile deposit of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they decided to close my account. I called for an update and was told that they closed the account XX/XX/year>2025 and I would receive money owed to me. I received a check for {$28.00} in two days after that call. I called several times and filed another complaint because they were saying the check still wasnt verified. Finally after the last complaint and proof I submitted they said they will release my {$580.00}. On XX/XX/scrub>/2025 I received their response which claimed I would receive a check for that amount within 7-10 business days. I called Citibank executive response team on XX/XX/year>2025 which was exactly 10 business days to let them know I have yet to receive my funds. It is now XX/XX/scrub>/2025 and I havent received anything. I am an XXXX XXXXXXXX  on XXXX XXXX and this has put me in hardship. All I want is my money. This has been the most frustrating experience dealing with Citibank. They sent the {$28.00} through UPS within two days. Citibank needs to send the check! Customers should not have to beg for our money that they are holding hostage and getting interest on!

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 2025-06-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has a garnishment in place to collect a very old debt of about {$2400.00}. The first draw processed on XX/XX/XXXX for {$410.00} and I paid in full on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX would not apply credit for the first draw so I could pay only 100 % of the debt. They said they would email documentation of the debt paid in full and that I could ask my employer to return the initial {$410.00} draw. I never received the documentation so I called XXXXXXXX XXXX XXXXXXXX several times. Most calls go unanswered, but when someone does answer they tell me that they can't assist me and that someone else will call me back, no one calls back. 
On XXXX a second draw has been taken from my paycheck. XXXXXXXX XXXX XXXXXXXX has now taken 33 % more in payments than they were entitled to, and by the response from the company I do not expect this to stop. They will end up taking 200 % payment on this debt.

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 2025-06-06 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: GA

Complaint narrative:
Please see attached goodwill letter and other supporting documents, please remove the late payments.

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 2025-06-06 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:
Please see attached goodwill letter and other supporting documents, please remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- that Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
The debt was paid off in the amount of {$290.00} on XX/XX/year>2025. I was told that the account being paid off in full would be communicated to the credit bureaus within the next 30 days ( 45 days max ). We are now well over the 45 day mark and nothing has been paid. 

I have reached out to this company multiple times to ask them to follow through and nothing. 

Thank you

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 2025-06-06 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: IA

Complaint narrative:
Ive just noticed some fraudulent accounts after starting my credit fix journey. I did not consent or provide any of my information to these companies and would appreciate if they were 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I would like to preface this complaint by pointing out that i have had XXXX late payments on any of credit cards with capitol one that was closed and i maintained them at XXXX balance at the end of each month. 
XX/XX/year>. I checked my accounts something that I do everyday. I see that all XXXX of my accounts are closed. With absolutely no communication from capital one that they were going to close them. At XXXX I contacted capital one by phone. I was informed of the reason as to the closure and I was given a solution. The employee informed me that if I paid off the credit card in question in the amount of {$870.00} that capitol one would then review and possibly reopen the accounts. While I did not have the entirety of the funds to spend at the moment I moved somethings around I reluctantly made the payment. I was informed to call back once the funds hit my credit card account. 
XX/XX/year> at XXXX I contacted Capitol one and spoke with a very helpful employee that informed me that unfortunately the previous employee had informed me incorrectly and lied to me in regard to the fact of me paying off my card that it could be reopened. 
This is absolutely ridiculous. I received XXXX warning that my XXXX accounts would be closed due to XXXX returned payment that the first one was my fault but the second my bank flagged as fraudulent. I can not help that they did that. I immediately remedied the situation and they still closed my account and then proceeded to lie to me to get money that I did not have on the premises that the account be reopened and that was never the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am reporting an unresolved identity theft issue. I submitted formal Identity Theft Reports to the Federal Trade Commission ( FTC Report Numbers : XXXX, XXXX, and XXXX ) after discovering multiple fraudulent accounts and/or inquiries appearing on my credit report. 

I noticed these fraudulent accounts in XX/XX/year> and XX/XX/year>. Upon discovery, I submitted the required documentationincluding a copy of my government-issued ID, proof of address, and a written statement detailing the identity theftto the credit reporting agencies and relevant furnishers. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, the credit bureaus and furnishers are required to block fraudulent information from my credit file within four ( 4 ) business days and complete their investigation and permanent update within fifteen ( 15 ) calendar days. 

Despite my timely submission of all required documents, no action has been taken. The fraudulent accounts and inquiries remain on my credit report, which is causing continued harm to my creditworthiness and well-being. 

I am requesting immediate enforcement of my rights under FCRA to have all identity theft-related items permanently blocked and deleted from my credit file, as well as written confirmation of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: SC

Complaint narrative:
On XXXX XXXX  i seen a debt owed and it wasn't done by me i contacted the company total visa credit card, about i amount due of {$170.00}. i called and told them that day of XXXX XXXX XXXX XXXX XXXX Company hasn't sent me not XXXX document. This account was done with identity theft. 

XX/XX/XXXXXXXX XXXX XXXX  i reach out to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  About an account that was in my name i also file a report with the company it is stated that i owe {$700.00}, this was identity fraud, as well this account stated below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounrt shows {$4100.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint has refused to update my credit report for over four months to properly note that I have been paying my mortgage on time and that the loan balance is over {$4000.00} lower than it was in XXXX. 

I have been repeatedly calling and emailing them asking them to update my credit report. Instead they keep sending me endless letters saying they are looking into it. I am concerned that they are maliciously using any CFPB complaints as a basis to stop updating borrower 's credit reports. 

I have attached : ( 1 ) screenshots of my XXXX  credit report as of XX/XX/year> showing that they last reported this loan on XX/XX/scrub> 2025 with a balance of {$370000.00} ; ( 2 ) my last statement dated XX/XX/scrub>, 2025 showing a loan balance of {$370000.00} ; and ( 3 ) a screenshot as of XX/XX/year>2025 showing a balance of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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