vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatme
nt of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-23 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX * * * [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is illegally reporting income on my credit file. It is also starting that i have 100 % left to pay on a charge off that the company already got paid for at the same time it also states that i already paid 64 % that is impossible and also incorrect information being reported.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 am disputing unauthorizied inquiries in my consumer report file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: MI

Complaint narrative:
Use my credit without my permission I was buying a car cash and aggravated ran inquires without me or without mine, knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 


1. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance XXXX NA 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$800.00} 3. XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$5300.00} ADDRESS DONT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX 






Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted. 
3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., Utility Bill ).

FTC. A signed affidavit of identity theft ( if required ) and My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/year> my son was approached for a donation as the couple reported their sister was killed and they were looking for funeral donations. My son reported he had no cash and they said thats okay they cant take cash due to tax purposes. My son offered a {$5.00} donation and as he was bringing up his payment on his phone the fraudster took the phone and tapped it to theirs. When my son got his phone back it was a black screen and he suspected something nefarious had happened. My son stepped back into his work and police were called immediately as was the bank to freeze the card. There were XXXX withdrawals for {$2000.00} made right away and a third attempted though the bank somehow stopped that XXXX. This was also immediately given to the transaction dispute department and in a few days I received an email stating they cant do anything as this was an approved transaction. I then took this to what they said was there highest department and they said they were sorry but there was nothing they could do. I spoke to a dozen other employee who told me they would get this resolved but the bank refuses to support their long time customer. This is ASSOCIATED BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Transworld is calling about a XXXX  payment for over XXXX dollars that I am not aware of. They previously were calling about cox communication that I do not owe. My number is on the Do not call nationwide reTransworld is calling about a sprint payment for over XXXX dollars that I am not aware of. They previously were calling about cox communication that I do not owe. My number is on the Do not call nationwide registration. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint is related to a prior CFPB complaint ( reference : [ XXXX ] ), but it concerns NEW misconduct. After the prior complaint was closed, Shellpoint submitted a CFPB response containing materially inaccurate and misleading statements about the timeline of foreclosure and loss-mitigation events. This complaint addresses those misrepresentations and Shellpoints continued servicing failures. 

Shellpoint Mortgage Servicing submitted a response to my prior CFPB complaint that contains material factual inaccuracies and omissions. While some dates are correct, Shellpoints response misleadingly suggests that foreclosure and loss-mitigation events occurred in XXXX, when the foreclosure activity at issue occurred in XXXX, including a foreclosure hearing scheduled for XX/XX/XXXX. 

Shellpoints response omits critical facts documented in recorded phone calls, timestamped submission emails, and internal reassignment acknowledgments. These include repeated confusion over which borrower was deceased, misidentification of successor-in-interest status, incorrect filing of a standard loan modification instead of a loan-modification assumption, and internal reassignment delays that prevented underwriting review despite a complete application. 

These misstatements conceal the core issue : Shellpoints servicing errors caused delay while foreclosure activity proceeded in XXXX, despite a complete loss-mitigation application ( twice ) and confirmed successor-in-interest status. I am requesting CFPB review of Shellpoints misleading response and continued servicing misconduct.

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 2025-12-23 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported for XXXX by XXXX XXXX XXXX XXXX XXXX XXXX which occurred while my mortgage loan was actively in the process of being refinanced with a different lender. 

At the time the XXXX payment was due, my refinance was scheduled to close prior to the XXXX of the month, and I reasonably believed the existing XXXX loan would be paid off through the refinance. The closing was delayed due to processing and closing timelines outside of my control, not due to unwillingness or inability to pay. 

XXXX had knowledge of the refinance process, including the payoff request, yet I received no notice or warning that a late payment would be reported to the credit bureaus while the refinance was pending. This was an isolated occurrence, not a pattern of late payments, and there was no intent to default. 

The reporting of this XXXX 30-day late payment has caused material harm to my credit profile and is negatively impacting the completion of my refinance, which is now nearing closing. 

I am requesting the following resolution : Removal of the XXXX 30-day late payment from XXXX XXXX XXXX  TransUnion Confirmation that the account is reporting as current / paid as agreed Written confirmation once the correction has been completed Given the circumstances, the late payment reporting does not accurately reflect my creditworthiness and should be removed as a good-faith courtesy adjustment related to a refinance in process. 

Thank you for your prompt attention.

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 2025-12-23 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 am submitting this complaint regarding a 30-day late payment reported for XXXX by XXXX XXXX XXXX XXXX XXXX XXXX which occurred while my mortgage loan was actively in the process of being refinanced with a different lender. 

At the time the XXXX payment was due, my refinance was scheduled to close prior to the XXXX of the month, and I reasonably believed the existing XXXX loan would be paid off through the refinance. The closing was delayed due to processing and closing timelines outside of my control, not due to unwillingness or inability to pay. 

XXXX had knowledge of the refinance process, including the payoff request, yet I received no notice or warning that a late payment would be reported to the credit bureaus while the refinance was pending. This was an isolated occurrence, not a pattern of late payments, and there was no intent to default. 

The reporting of this XXXX 30-day late payment has caused material harm to my credit profile and is negatively impacting the completion of my refinance, which is now nearing closing. 

I am requesting the following resolution : Removal of the XXXX 30-day late payment from XXXX Equifax, and XXXX Confirmation that the account is reporting as current / paid as agreed Written confirmation once the correction has been completed Given the circumstances, the late payment reporting does not accurately reflect my creditworthiness and should be removed as a good-faith courtesy adjustment related to a refinance in process. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
SOFI, has told me that I am not eligible for SCRA benefits because I took a loan out on XXXX XXXX, I understand that. The problem is, is that I am now in XXXX status and have been since XXXX XX/XX/XXXX. I am going back on Orders XXXX XX/XX/XXXX which is a new set of orders and should make me eligible for SCRA benefits. SOFI told me they do not believe i am eligible because i took a loan out on XXXX XXXX and that my break in service is not long enough.

Company response to consumer: Closed with explanation