vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/year>, under the account number XXXX with a balance of {$2500.00}, and another collection account opened at XXXX XXXX XXXX on the same date under the same account number with a balance of {$4400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-25 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: GA

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 2025-06-25 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to dir
ect that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XX/XX/year>, I made a mortgage payment of {$2200.00} to Shellpoint Mortgage Servicing. According to Shellpoint, the payment was reversed on XX/XX/year> at the investors request and sent back to the investor. However, Shellpoint never refunded this payment to me. 

They then instructed me to pay again for XXXX, which I did on XX/XX/year>. That second payment was applied to the XXXX installment. This means I paid twice for XX/XX/year>, but only received credit for XXXX payment. 

I have contacted Shellpoint multiple times over the past XXXX months in calls, letters, and online messages on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year> and the issue has been escalated repeatedly by several managers. Despite this, there has been no resolution. I even spoke directly with Shellpoint representatives on the phone alongside my mortgage broker to urge resolution, but no action has been taken. 

Shellpoint acknowledges the payment was reversed, but they have not returned the funds, applied the payment, or provided a remedy. I have submitted my bank statements showing that the XX/XX/XXXX payment cleared and was never refunded. 

It has now been more than XXXX months, and this unresolved missing payment is materially impacting my financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

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 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 2025-06-25 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: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report that is harming my financial well-being as an American citizen. I am aware of my rights under the Fair Credit Reporting Act and via this formal letter I am requesting you intervene through investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, Include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations are just the very beginning of a long list of systemic issues that directly undermine consumer rights, against credit reporting agencies, and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported below :

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I traveled outside of the country. A few days before leaving, my husband and I entered a branch and spoke in person to a Chase banker who was made are that we were traveling. This representative failed to note our account for international use. 
While outside of the states, I obtained an American phone number through XXXX to receive texts from Chase. I also XXXX  myself {$500.00} from my other bank account and this created a red flag for Chase for some odd reason. I also deposited a check for {$5000.00} from my other bank. I called at least XXXX times between 2 days and spent hours being transferred between several departments. Each time needing to have my identity verified extensively. Tedious, time consuming and to only be transferred again. No one could explain or help. The last time I called I spoke to XXXX different representatives at Chase over the phone. Each requiring long and tedious verifications. On that last call with the XXXX online rep, she hung up on me after being on the phone for XXXX hours again. Shortly after that, within hours, this institution closed my account. 
Next, representative XXXX stated that this was the banks decision with no explantation and said that they will NOT release the funds to me from the check until they can verify with the maker of the check directly via phone call if this check is valid- however, the funds were already debited from the persons account ( I am on this account jointly ) days prior. He said Chase will NOT send me a cashiers check with the funds after account closure either. That Chase will hold the funds indefinitely and later send it to the state! 
This has caused me and my family significant damages and financial loss while being out of the country. It is cruel and negligent. I want my funds immediately to be returned to us!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX special handling department is committing fraud. I received a letter stating that I can not have this blocked and removed from my file because I have previous disputes that is illegal and they are not abiding by the FCRA605 subsection be this is identity theft XXXX XXXX at this point is committing identity theft I demand that the items be removed from my credit report immediately. Theyre saying that this identity theft report is invalid. I contacted the Attorney Generals office the XXXX XXXX XXXX  about this situation. They also have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I have a loan. I've already paid it off. Unfortunately, Santander is ignoring my requests to close the account after I have paid it off XXXX. I have requested the payoff amount and closure XXXX. I called Saturday, very upset because, despite paying XXXX I am still getting charged by this bank. Every time I try to get it closed, they do not and continue to charge me {$70.00}. I need my account closed and I do not owe this institution another cent. I spoke with XXXX XX/XX/year>. I spoke with XXXX XX/XX/year>. I spoke with a female in XXXX. I do not want to call again. I do not owe the bank anymore money. I am upset and the agents do not deserve to have to deal with an upset customer. 

Loan number : XXXX LOAN PAYOFF CONF # XXXX XXXX request for closure Santander

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have used cash app since it started. I have never once had a issue sending or receiving payments. Tonight my friend sent me money for Cuban coffee and a chocolate bar. That was her note. It was pending with note saying it was under review for violating terms or service and would be contacted in XXXX business days. I called customer service to ask why it was under review, it's coffee and chocolate!!!! We have sent money back and forth for years!! I asked what was done for it to get flagged. He said he didn't know, and just repeated what was sent to us. He said he couldn't reach out to the review team, couldn't email them, had no number for that department. I asked for his supervisor. Was told they won't take calls!! They will email me! Within XXXX  days!!! Refused to transfer to anyone in charge. He said there was absolutely nothing I could do or talk to!! I have been in customer service for over XXXX yrs! I have never heard of a supervisor not speaking to customers when requested. Never heard of XXXX department not being able to contact another. To have customer service basically have no ability to actually HELP the customer is insane! For a payment labeled Chocolate bar and Cuban coffee no sugar to get flagged as violation of terms is insane enough but to have someone not be able to answer my question or tell me what I could do or who I could talk to, basically giving me no help at all is kind of a waste of money. Paying employees to tell customers they can't answer their questions, have no way to contact another department, or be able to contact their supervisor is a complete waste of money. You can save tons by having no phone support like XXXX because they just send everyone to email too!! I'm sure this isnt going to be read or get a response but I like to try everything before filing a complaint with the XXXX and FTC. 
Transaction number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b"I am filing this complaint to formally report TransUnions failure to respond to my credit dispute submissions, in clear violation of their obligations under the Fair Credit Reporting Act.\nOn XXXX XXXX 2025, I sent a detailed dispute letter to TransUnion via certified mail XXXX Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX). In this letter, I disputed multiple inaccurate items reflected on my credit report, including incorrect personal information. To facilitate a proper reinvestigation, I enclosed all necessary documents to verify my identity, including:\nA copy of my government-issued photo ID\n\n\nA copy of my Social Security card\n\n\nA recent utility bill reflecting my current address\n\n\nDespite providing all the required documentation and submitting a clear and timely dispute, I received no acknowledgment, response, or investigation results from TransUnion. As a result of this non-response, I followed up with an additional dispute letter dated XXXX XXXX, 2025, reiterating my concerns and again requesting a reinvestigation. To date, I have received no response to either dispute.\nUnder 15 U.S.C.  XXXXi(a)(XXXX)(A) of the FCRA, consumer reporting agencies are legally obligated to conduct a reasonable reinvestigation within XXXX days of receiving a consumer's dispute. TransUnion's failure to respond not only reflects a disregard for this statutory requirement but also infringes upon my consumer rights under federal law.\nEnclosed with this complaint are copies of both dispute letters sent to TransUnion as evidence of my attempts to resolve this matter directly."

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 2025-06-25 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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