vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
XXXX A XXXX, Consumer Social Security Number:XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of a personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiry and fraudulent appearing on my credit report. I've attached a list of the hard inquiry in question XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned inaccurate personal information or hard inquiry as reported. The aforementioned inaccurate personal information and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned ainaccurate personal information, and hard inquiry are the result of 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 inaccurate personal information and hard inquiry are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am submitting this complaint because SHELLPOINT MORTGAGE has repeatedly failed to provide any verification or documentation supporting a late payment they reported on Account No. XXXX. I first disputed this information through the credit bureaus on XX/XX/year>, and sent a direct second notice to SHELLPOINT MORTGAGE on XX/XX/year>. Despite these requests, SHELLPOINT MORTGAGE has not provided a single record, billing statement, payment ledger, or investigation document to substantiate their verification of the alleged delinquency. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s2 ( b ), SHELLPOINT MORTGAGEis required to conduct a reasonable investigation and must not continue furnishing information that is inaccurate or unverifiable. Their continued failure to provide evidence, respond adequately, or correct the inaccurate reporting demonstrates noncompliance with their statutory duties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Amount taken : {$900.00} ( XX/XX/XXXX ) Contact Information - Mya XXXX XXXX Via XXXX message ( XXXX XXXX ) - ( XXXX ) > Original Contact that sent via XXXX {$450.00} checks to me ( Florida area code labeled as XXXX ) XXXX Via email address XXXX - ( XXXX ) XXXX Sent threatening messages after ceasing contact with original contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
To Whom It May Concern I am filing this complaint because multiple inaccurate items remain on my credit file despite prior disputes. These errors violate the Fair Credit Reporting Act and are harming my credit standing. I am requesting the CFPBs assistance to enforce proper verification and correction. 

XXXX XXXX XXXX, XXXX XXXX, NJ XXXX WRONG ADDRESS This address has no connection to me. Under FCRA XXXX ( A ), XXXX ( b ), and XXXX ( a ) ( XXXX ), inaccurate identifying information can not be reported. Since no valid documentation ties me to this address, it must be deleted. 

XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX CHARGE OFF I have no knowledge of this account. Under FCRA 609 ( a ) ( 1 ), 611 ( a ), and 607 ( b ), you must provide original verification documents. Since none have been provided, this account must be deleted. 

XXXX XXXX XXXX OPEN DATE XX/XX/XXXX CHARGE OFF This account is unknown to me. No signed application or proof has been produced. Reporting without verification violates FCRA 609 ( a ) ( 1 ), 611 ( a ), and 607 ( b ). This account must be removed. 

XXXX XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX LATE PAYMENT The late payment is inaccurate as I have never made a late payment on this account. Under FCRA 602 ( A ), 607 ( b ), and 611 ( a ), you must correct the payment history to show on-time payments only. 

XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX CHARGE OFF I do not recognize this account. No proof of ownership has been shown. Under FCRA 609 ( a ) ( 1 ), 607 ( b ), and 611 ( a ), unverifiable information must be deleted. 

I request CFPB intervention to require proper proof, remove unverifiable items, and ensure full FCRA compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-03 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: PA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple inaccuracies that misrepresent my credit history, and I am seeking a fair resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). By law, I am entitled to a credit report that is accurate, complete, and verifiable, as supported by FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), 611, 605 ( a ), 605 ( a ) ( 4 ), 605 ( a ) ( 5 ), 609, 602 ( a ), 604 ( a ), and 15 U.S. Code 1666 and 1666a. 

The first account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeports a {$0.00} balance but shows a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX with a 30-day late reported in XX/XX/XXXX. This inconsistency makes it impossible to verify the account accurately. I request that this account be corrected or updated to reflect accurate and verifiable information. 
There are multiple XXXX/DOFED accounts reporting balances of {$2900.00}, {$4100.00}, {$2300.00}, {$1600.00}, {$2900.00}, {$7100.00}, {$1200.00}, {$3800.00}, {$3300.00}, {$200.00}, {$9400.00}, {$4100.00}, {$3000.00}, {$9100.00}, and {$4700.00}. All of these accounts list a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX, despite having different opening dates between XXXX and XXXX. It is not reasonable or accurate for all accounts to share identical activity and payment dates without verifiable documentation. I am requesting that each account be individually reviewed, corrected, and updated with supporting records to ensure accuracy. 
Additionally, late closed accounts contain inaccurate information. XXXX XXXXXXXX XXXX XXXX XXXX XXXX reports a last payment of XX/XX/XXXX but shows a 30-day late in both XXXX and XX/XX/XXXXXXXX XXXX XXXX  These discrepancies are inconsistent and must be corrected or updated to reflect accurate, verifiable account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA Account XXXX listed a charge-off or delinquency without current validation or evidence of continued liability. Please provide original signed contracts and payment histories or remove immediately per FCRA 611 ( a ) ( 1 ).

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 2025-12-03 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-03 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-03 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: AR

Complaint narrative:
The current reporting misstates my financial behavior and appears incomplete. I request that the matter be reviewed and updated for accuracy.

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 2025-12-03 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent collections appearing on my consumer credit report. I've attached a list of the accounts in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my XXXX credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of 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.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
In XXXX, I was charged a {$30.00} late fee. When I called PayPal Credit, the automated phone system told me the fee would be reversed and to allow up to 30 days for it to appear. Based on that information, I paid the minimum amount due. 

PayPal Credit only provides one method of making a payment on my account paying by phone. There is no option to pay through the PayPal app or online. When their phone system malfunctioned, I had no way to make my payment, and I should not be penalized for a system failure that left me without any alternative payment method. 

The reversal never appeared. Instead, in XXXX a second late fee was added for not paying the first late fee, even though I had been told I did not owe it. Customer service now says there is no record of the promised reversal. 

My minimum payment has now been raised from {$120.00} to {$190.00} because of these incorrect fees. I am disputing both fees and asking that they be removed and my account corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions 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 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 2025-12-03 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 2025-12-03 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: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice / Dispute of Debt Reporting To Whom It May Concern : I am writing to formally notify you that I dispute the validity of the alleged debt you have reported or are attempting to collect under my name. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you immediately : 1. Cease all collection activity, including calls, letters, emails, or any other form of contact ; and 2. Remove any reporting of this alleged debt from all credit bureaus ( XXXX, XXXX, and XXXX  ), unless you can provide full and complete validation. 
As of this date, I have not received sufficient documentation proving that I owe this debt or that your agency has the legal right to collect it. Reporting unverifiable information to credit bureaus is a violation of 15 U.S.C. 1692e and 15 U.S.C. 1681s-2.

Until proper validation is provided, you must stop all collection efforts and delete the account from my credit file. If you fail to comply, I will consider pursuing further action with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and any other appropriate regulatory bodies. 
Please respond in writing only. 
Sincerely, ___________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation