vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: OH

Complaint narrative:
Credit bureau reporting wrong information on my consumer report. I never gave permission or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
On XX/XX/year>, after receiving collection texts from Shepherd Outsourcing regarding an alleged account ( Ref. XXXX ), I sent a written request for debt validation under 15 U.S.C. 1692g ( b ). I asked for the original creditor, an itemized breakdown ( amount as of an itemization date with interest/fees/credits/payments ), the current balance, supporting account statements, and proof of authority/assignment to collect. No mailed validation was provided. On XX/XX/year>, I sent a written cease-and-desist under 15 U.S.C. 1692c ( c ). Despite that notice and the absence of mailed validation, the company continued sending collection texts/emails to XXXX. I do not recognize or acknowledge the alleged debt. For all purposes related to this file, I designate the following mailing address for validation and all future notices : XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX I withdraw any consent to call, text, or email me ; limit all communications to U.S. Mail sent to that address. I have retained copies of my requests, the companys replies, and screenshots of the continuing messages and can attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am writing to formally dispute several inaccurate and unauthorized items currently appearing on my Equifax credit report. I am a verified victim of identity theft and data breach. Therefore, I am requesting the immediate investigation and removal of all fraudulent and erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ), 615 ( f ), and 623 ( a ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have a {$50.00} Amex gift card in my possession that did not work. When I called they said it was registered to another person. I sent in documentation to prove I had the card in my possession and purchased the card. I have an email from XX/XX/25 that says a replacement gift card was sent out. I never recieved it. They made me wait 30 business days. I called again and they said another card was sent out by XXXX XXXXXXXX and I would get it within 3 business days. I did not recieve it. I called multiple times again. I asked for a tracking number and they said they did not have one which is not true since all XXXX XXXX packages have a tracking. I called today and they gave me some more stories how a 3rd card was mailed out on XX/XX/25. Then when speaking with a " supervisor '' they said no we can not send a replacement because you need to file a new claim that you did not get the replacment. I told them that would be hard to do as I do not have the new card # to put in my claim. 
I have emails from them saying my gift card would be replaced back in XXXX if you want to see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TN

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 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 2025-10-29 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed and current, yet still reports XXXX lates ; violates accurate historical data reporting. FCRA 1681e ( b ) ; 1681s-2 ( b ) ; 15 USC 1666a XXXX XXXXXXXX XXXX  ( XXXX ) ; XXXXXXXX XXXX XXXX  ( XXXX ) The AMEX account can not be both current and delinquent. Please remove late payment history and correct reporting to 'Paid as Agreed OR PAY {$1000.00} VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage is not following VA guidelines for the XXXX  XXXX XXXX process in accordance with VA. I requested that PHH send the XXXX  XXXX XXXX package to myself and the buyer, XXXX XXXX ( XXXX ), on XXXX XX/XX/year>. PHH repeatedly requested the same buyer 's information despite providing it via phone and email. I finally requested to speak with a manager and was put in contact with an escalation manager XXXX XXXX, XXXX option XXXX extension XXXX ) on XXXX XXXX and didn't see resolution with getting the application until XXXX XXXX. By XXXX XX/XX/year>, myself and the buyer submitted all documents via email that PHH requested. PHH provided no secure mean of submitting these highly sensitive documents for the buyer. Another PHH escalation manager, Jay ( ID # XXXX ) provided confirmation to the buyer, XXXX XXXX, that all documents the PHH assumption team requested were received. On XXXX XXXX, PHH claimed that they had not received the Offer to Purchase despite myself providing those documents on XXXX XXXX. We contacted the VA XXXX XXXX XXXX and filed a complaint on XXXX XXXX. XXXX XXXX, XXXX and XXXX ext XXXX, submitted a complaint to PHH who has ignored the complaint to this date. PHH requested the Offer to Purchase a third time on XXXX XXXX, which I previously submitted on XXXX and XXXX XXXX. I spoke with a 5th escalation manager, XXXX ( ID # XXXX extension XXXX ) who was finally able to get PHH XXXX team to access and process this document. We received notification that the loan estimation started XXXX XXXX and the buyer returned the signed loan estimate on XXXX XXXX. On XXXX XXXX, PHH requested my VA certificate of eligibility and a copy of the buyer 's SSN card, closing agent documents and bank statement showing the XXXX money payment, which we provided on XXXX XXXX. This paused the underwriting process. Some of these documents were previously submitted or not part of the original package of requested documents. I have reached out to our 6th primary escalation manager, XXXX XXXX ( ID # XXXX ), but she has not returned any phone calls or emails since XXXX XXXX. The buyer reached out to PHH on XXXX XXXX and another escalation manager told the buyer that PHH has 60 days from when they receive all documents despite the VA requirements and the fact that PHH keeps asking for the same documents multiple times and requesting new documents not required in the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Executed a wire transfer on XXXX from Pentagon FCU to XXXX in the amount of {$2000.00} to deposit into XXXX checking. The purpose of this transfer was to pay my XXXX XXXX bill. I received a confirmation number, was informed the wire transfer would take place on the morning of XXXX. 

Early afternoon on XXXX XXXX EST the transfer had not been executed. I contacted PenFed FCU, was informed the wire was awaiting approval and was advised there was nothing else they required of me to complete the transaction. At XXXX I called to find out why the wire transfer had not been completed. 

As I was authenticating through the phone prompts multiple calls from " Potential Spam '' rang my device. The phone prompts asked me for my full SSN and that has never happenned before. I was eventually connected to XXXX XXXX who said he was a Member Service Representative from the XXXX Oregon Center. He advised me that the wire transfer was cancelled due to the funds not being available ( funds were available in my account when I executed the wire transfer and they were still available today as he's telling me they were not available ) and he further advised funds will now be held until XX/XX/year> instead of being released on XXXX. He issued a Case # XXXX I mentioned that I did not receive any notification from PenFed FCU regarding the cancellation of the wire transfer or change in the funds availability. He stated that I would receive emails by tomorrow. 

XXXX XXXX then called me back from a number listed as XXXX. He sent a code to my phone to allegedly verify me and asked for the code. The code had a warning from PENFED saying they will never ask for the code. I terminated the call, and called PenFed again. I called PenFed two more times. The last representative I spoke with was " XXXX '' and she informed me that PENFed has a policy regarding domestic wire transfers. The policy states no wire can take place unless the funds have been in the account for five business days. That has not been the case over the last several months when i've previously wired my mortgage payment. She explained that my recollection was inaccurate. However funds were available in both my checking and savings account to cover a wire transfer at this time. 

In my opinion this was a sign of weak customer service or attempted fraud.

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 2025-10-29 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: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXX XXXX  account referenced above. 
My credit report currently reflects a 30-day late payment on this account during XXXX, noted as Consumer disputes after resolution. I have reviewed my records and verified that payments were made on time. Therefore, I believe this reporting is inaccurate and misleading, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ). 
XXXX XXXX, as the data furnisher, also has duties under 1681s-2 ( a ) ( 1 ) ( A ) to report only accurate, verifiable information.

Requested Action : 1. Reinvestigate and verify the true payment history with original posting records ; or 2. Delete the late-payment notation if full verification can not be supplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute letter to Credit Control after receiving a notice dated XX/XX/XXXX. I explained that I have never had a XXXX account with the listed number ( XXXX ) and have never lived at the address associated with the alleged debt ( XXXX XXXX XXXX XXXX, XXXX  XXXX, PA XXXX ). I stated that I did have a XXXX account in North Carolina years ago, but this account number and information do not match. I requested full validation of the debt, including documentation proving I was the account holder, account statements, and the original contract. I also asked that all collection activity cease until proper validation was provided. 

On XX/XX/XXXX, Credit Control replied with a message stating, Thank you for contacting us and sharing your concern. Please see the attached documents that Credit Control has received from our client as verification of the account. The attachment included a cover letter dated XX/XX/XXXX, addressed to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, and multiple XXXX invoices from XX/XX/XXXX through XX/XX/XXXX. These clearly belong to another individual with my same name but a different state of residence. 

That same day ( XX/XX/XXXX ), I responded by email under the subject Continued Dispute Ref # XXXX, stating the following : The account number does not match any XXXX account I have ever had. The Pennsylvania address is not and has never been my address. I have a XXXX XXXX account in North Carolina owned by my employer XXXX XXXX XXXX XXXX XXXX ), which is unrelated. I reiterated that the alleged account is not mine, requested correction of their records, and warned that further collection or reporting activity would lead to a complaint with the CFPB and FTC. 

Despite this clear evidence and communication, on XX/XX/XXXX I received another unsolicited email from [ XXXX ] ( XXXX : XXXX ) with the subject Sad to say goodbye. It encouraged me to take the first step toward being debt free and offered payment options for the same reference number ( XXXX ). 

This indicates that Credit Control , LLC has continued collection activity on a debt that has been formally disputed and clearly shown not to belong to me, in violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-29 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: MD

Complaint narrative:
My credit profile should only have two things on it. A current build card I opened a month ago with {$85.00} balance. And an XXXX credit card with {$6000.00} limit my mom got me when I was XXXX. Everything else is identity theft and I have filed with the police to address it. The fraudulent information is reporting on my TransUnion, Experian, and EquiFax credit profiles. The first one I will dispute is TransUnion but I am officially filing complaints for all three this is ridiculous.

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 2025-10-29 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: MD

Complaint narrative:
My credit profile should only have two things on it. A current build card I opened a month ago with {$85.00} balance. And an XXXX credit card with {$6000.00} limit my mom got me when I was XXXX. Everything else is identity theft and I have filed with the police to address it. The fraudulent information is reporting on my TransUnion, Experian, and EquiFax credit profiles. The first one I will dispute is TransUnion but I am officially filing complaints for all three this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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: NY

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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing this complaint because my credit report continues to show outdated personal information even though Ive been disputing it for quite some time. Ive submitted multiple documents and a recent Proof of Address to verify my current information during the time Im disputing it, yet the incorrect details are still being reported. 
The outdated information still showing on my credit report includes : Outdated address : XXXX XXXX XXXX, FL XXXX This information is no longer valid and does not reflect my current situation. Despite several disputes and document submissions, the credit bureau has not updated my report to reflect the most recent and accurate data.

Im requesting that my credit report display only my verified and current personal information, and that any outdated or incorrect addresses or employment details be removed immediately.

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 2025-10-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-10-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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