vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

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 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 2025-06-04 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: NC

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX State  Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: MO

Complaint narrative:
I am following up on a previous dispute I submitted regarding identity theft affecting my credit profile. This is a resubmission that includes additional identification documents as requested by the credit bureaus for further verification. 

I, XXXX XXXX, am the verified victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC ), Report XXXX XXXX, submitted on XX/XX/XXXX. The fraudulent account in question is : XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$7900.00} I did not authorize or open this account. It was fraudulently opened in my name, and I have no connection or contract with this company. Under FCRA Section 605B [ 15 U.S. Code 1681c2 ], I submitted a valid identity theft report and requested that the account be permanently blocked from my credit report. Despite my original submission, the credit bureaus have delayed action and requested further documentation, which is now provided with this submission. 

I am now using the CFPB complaint process to ensure this matter is resolved quickly and that this fraudulent account is removed from my credit file by all applicable credit bureaus ( Experian, Equifax, TransUnion ).

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 2025-06-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am following up on a previous dispute I submitted regarding identity theft affecting my credit profile. This is a resubmission that includes additional identification documents as requested by the credit bureaus for further verification. 

I, XXXX XXXX, am the verified victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC ), Report XXXX XXXX, submitted on XX/XX/XXXX. The fraudulent account in question is : XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$7900.00} I did not authorize or open this account. It was fraudulently opened in my name, and I have no connection or contract with this company. Under FCRA Section 605B [ 15 U.S. Code 1681c2 ], I submitted a valid identity theft report and requested that the account be permanently blocked from my credit report. Despite my original submission, the credit bureaus have delayed action and requested further documentation, which is now provided with this submission. 

I am now using the CFPB complaint process to ensure this matter is resolved quickly and that this fraudulent account is removed from my credit file by all applicable credit bureaus ( Experian, Equifax, TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Checking my credit report I found some inaccurate information on my credit file, I have no knowledge of these credit inquiries,

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 2025-06-04 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: OH

Complaint narrative:
Checking my credit report I found some inaccurate information on my credit file, I have no knowledge of these credit inquiries,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Subject : Misapplication of Mortgage Payment by Shellpoint Mortgage Servicing Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against my mortgage servicer, Shellpoint Mortgage Servicing, regarding the misapplication of a mortgage payment that I submitted through their online portal. 
On Saturday, XX/XX/2025, I made a payment of {$1500.00} with the intention of applying it directly toward the principal balance of my mortgage. At the time of payment, I clearly selected the option for the payment to be applied to principal only. Their payment portal does not allow a payment to be submitted without specifying how it should be allocated. 
However, despite this, Shellpoint applied the {$1500.00} payment toward a regular monthly payment instead. I contacted Shellpoint immediately to correct the issue, but they refused to make any changes. A representative insisted that I did not select any allocation option, which I know is inaccurate based on my experience using their system. 
I believe this misapplication is intentional and intended to prolong the life of my loan, thereby increasing the interest I will ultimately pay. Their refusal to correct the error seems designed to prevent me from paying down the principal faster. 
Here are the details of my mortgage account and the company in question : Mortgage Servicer : Shellpoint Mortgage Servicing Mailing Address : XXXX XXXX XXXXXXXX, XXXX, TX XXXX Mortgage Account Number : XXXX I am requesting the XXXX assistance in investigating this matter and ensuring that Shellpoint applies my payment appropriately as a principal-only payment, as originally intended. I also ask that they be directed to implement clearer and fairer processes that protect borrowers rights to pay down their loans on schedule or ahead of time. 
Thank you for your time and assistance. Please let me know if you need any further documentation or information from my side to move this forward. 
Sincerely, XXXX 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 2025-06-04 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: OK

Complaint narrative:
TransUnion is specifically refusing to block fraudulent information reporting to my personal credit report. I have responded to TransUnion 's specific requests via its correspondence to me. See attached. I have on 3 occasions supplied TransUnion with valid FTC ID Theft fraud reports. TransUnion refuses to use the valid documents in violation of Sect 605B.

A Supervisor names XXXX XXXX in the Special Handling Department has willfully, and purposely made a material misrepresentations of TransUnion 's role in regard to the Fair Credit Reporting Act during a phone call on XX/XX/XXXX. This is a gross misrepresentation of the processes to block information on consumer report held by TransUnion. 

I urge the CFPB to review XXXX vs. TransUnion XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) in its investigation of TransUnion as that case is nearly a mirror image of what TransUnion is engaging in on the instant complaint. I categorically believe that TransUnion is doing nothing more than refusing to block the flow of fraudulent information reporting to my personal consumer report.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
This is my second formal complaint regarding the XXXX account that have improperly been reported by XXXX- Credence Resource Manage ( XXXX ) XXXX  -Credence Resource Manage ( XXXX ) XXXX- Credence Resource Manage ( XXXX ) My personal information was exposed in a XXXX  data breach. The data compromised included my name, phone number, address, ss #, and possibly additional account or identification information. This breach put me at risk for identity theft and fraud. 
This breach has negatively affecting my credit and financial standing and I request that the fraudulent account are removed from my credit report expeditiously. 

I am requesting that XXXX provide clear details on what data was breached, what steps they are taking to protect affected consumers, and whether they are offering identity theft protection or credit monitoring. 

The credit Bureaus under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) XXXX  XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 
Im requesting that the fraudulent account are removed from my credit report expeditiously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
To Whom It may concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

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 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have a few accounts showing up on my credit report after I was looking to purchase a vehicle a few months ago. I noticed there were multiple accounts opened in my name. I contacted the companies, sent certified mail requesting for verification and how did they obtain my credit information and to also provide proof with an original signature of all accounts. They did not provide any evidence, only purchases that were made. I asked multiple times for them to investigate and see that I never had or used any of these account and they still never provide proof or where the source of the account originated from. 
I asked them to remove it and continue on their investigation to find out who open those accounts fraudulently... The accounts are still on my credit bureaus and have really dragged my score so low that it has costs me opportunities to refinance my house and also obtain certain business credit.

Company response to consumer: Closed with explanation