vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The original loan servicer, XXXX XXXX XXXX XXXX XXXX  ) did not send me a good bye letter. They returned payments made to the HELOC. Since they no longer held the loan, they did not have a loan number on record, as such, contacting the original loan servicer was impossible by phone and by their website. 
The new loan company did not send a welcome letter. Instead, they reported me as delinquent to all XXXX  credit bureaus. Once reported, I discovered that the loan company could be Shell Point Mortgage XXXX. The credit bureau confirmed the address associated with the loan property was not the mailing address. I contacted XXXX and was met with resources that seemed to want to find me at fault to justify their response. 
XXXX was aware of the following : They received returned mail from the initial welcome letter. Instead of trying to contact me by other means, they reported derogatory credit to all XXXX  bureaus. They showed a careless disregard for the damages that the reporting action would create. 
Now that they have been made aware, they have not been eager to solve the problem or stop reporting adverse credit.

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 2025-10-14 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: MS

Complaint narrative:
Pursuant to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. The information being reported in this case is factually inaccurate and misleading, and therefore in violation of federal law.

Basis of Dispute 1. 2. 3. 4. The account is being reported as a charge-off that was allegedly sold or transferred to another lender.

I have not received a Form 1099-C from your company as required by the Internal Revenue Service ( IRS ) when a debt is canceled, forgiven, or transferred. 
If this account has indeed been sold, your company no longer owns or services the debt and therefore has no legal right to continue reporting it on my consumer report. 
Continuing to report an account after the rights to collect have been sold or transferred constitutes inaccurate and unverifiable reporting, in direct violation of FCRA 1681e ( b ) and FCRA 1681i ( a ) ( duty to reinvestigate disputed information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IN

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 FRAUDULENT INQUIRIES 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 2025-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear TransUnion, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted. 
XXXX. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including Experian, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation. 
Reinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner. 
Given this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.

XXXX. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account. 
Provide all documentation that substantiates any verified information. 
Delete or correct all unverifiable or inaccurate information immediately. 
Provide written confirmation of each action taken within the statutory XXXX window. 
XXXX. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies. 
XXXX. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report. 
I expect prompt and full compliance within the XXXX timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio
State: FL

Complaint narrative:
Dear XXXX  XXXX Department, I am writing to formally dispute the completeness and accuracy of an item reported on my consumer credit file, pursuant to 15 U.S.C. 1681i ( Section 611 of the FCRA ). 
The item I dispute is a XXXX  Account listed under the XXXX XXXX XXXX XXXX ( as shown in my credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Complaint Regarding Predatory Auto Collateral Loan from XXXX XXXX To Whom It May Concern, I am filing this complaint to report what I believe to be a predatory auto collateral loan issued by XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
In late XXXX, I sought financial assistance to consolidate credit card debt and reduce my monthly payments. I was offered a loan by XXXX XXXX, which used my vehiclevalued at approximately $ XXXX collateral. I was told they would pay off my credit cards and provide manageable monthly payments. However, they only paid {$700.00} toward my credit cards and structured the loan in a way that has caused me significant financial harm. 
I have now made XXXX consecutive monthly payments totaling nearly {$15000.00}, yet my XX/XX/XXXX statement shows an outstanding balance of {$21000.00}. Even more troubling, the monthly statements show a {$0.00} unpaid balance, which is misleading and inconsistent with the actual loan balance. The loan appears to be heavily front-loaded with interest, and I was not adequately informed of the true cost or structure of the loan at the time of signing. 
I believe this loan was issued under deceptive and unfair terms, taking advantage of my financial vulnerability and state of mind. I am requesting that the CFPB investigate this matter and determine whether XXXX XXXX has violated consumer protection laws. 
I am prepared to provide : - The original loan agreement - Monthly statements - Payment history - Any other documentation needed Thank you for your attention to this matter. I look forward to your response and any

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE XXXX  ALL XXXX XXXX REPORTING AGENCIES.

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 2025-10-14 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:
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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX  XXXX - XX/XX/year> 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 2025-10-14 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: IL

Complaint narrative:
Dear Equifax 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

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 XXXX  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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
My student loan account on Mohela has been placed into forbearance XXXX after my XXXX application was approved. I was told that the XXXX XXXX XXXX is automatically placing my account in forbearance.

Company response to consumer: In progress
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
On XX/XX/year>, I received a phone call from a number ( XXXX ) that displayed as Huntington Bank. The caller claimed to be from XXXX fraud department and told me there were pending fraudulent charges. He coached me to approve the charges so he could file them as fraudulent. 

I later learned this was a spoofing scam. On XX/XX/XXXX, I contacted XXXX to follow up. The representative saw the charges but said my card had never been closed. She closed it and said she would refile the claim. When I called again, I was told the claim was declined because I approved the charges. 

Eventually, a representative named XXXX confirmed that I was a victim of impersonation fraud, but XXXX still refuses to refund the {$4400.00} that was stolen. 

I am requesting that the CFPB investigate this mishandling. This is a clear violation of Regulation XXXX ( XXXX CFR XXXX ( m ) ), which protects consumers deceived into authorizing transfers through fraud or coercion. I have been a XXXX customer for over XXXX  years and am deeply disappointed by the banks unwillingness to protect me from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 challenge the accuracy of entries reflecting accounts never authorized by me. Please perform a comprehensive audit and expunge them. Relevant records are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

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 INQUIRIES : XXXXXXXX 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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am filing a complaint against Bridgecrest Credit Company , LLC regarding a potentially predatory and abusive auto loan I received in XXXX. 

I financed a XXXX XXXX XXXX for approximately {$15000.00} through a loan serviced by Bridgecrest. At the time, the car was XXXX XXXX XXXX, and the loan was structured with an XXXX of 27.9 %, just under the 29 % limit under North Carolinas Retail Installment Sales Act. 

As of XX/XX/XXXX, despite making payments for over XXXX  years, Bridgecrest states I still owe around {$10000.00}. This suggests either misapplication of payments or extremely unfavorable amortization, possibly structured to trap me in negative equity. 

Bridgecrest has not provided a full amortization or payment breakdown upon request. I also searched the North Carolina XXXX of the Commissioner of Banks ( XXXX ) and found no record that Bridgecrest is licensed to service loans in North Carolina under the Consumer Finance Act, which may be required after recent changes in state law. 

I believe this may constitute a violation of federal consumer protections against unfair, deceptive, or abusive acts or practices ( XXXX ) under the XXXX XXXX. 

I am requesting that CFPB require Bridgecrest to : Provide a complete, transparent payoff and amortization schedule Explain how payments have been applied Confirm their licensing status in North Carolina Review the loan for possible abusive servicing or deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 15 U.S.C. 1681e ( b ), credit reporting agencies and furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information currently being reported is inaccurate and misleading for the following reasons : Basis for Dispute XXXX. XXXX. XXXX. XXXX. The account is reported as a charge-off that was sold or transferred to another lender or collection agency. 
I have not received a Form XXXX from your company, as required by the Internal Revenue Service XXXX IRS ) when a debt has been canceled, forgiven, or transferred. 
If this account has been sold or transferred, your company no longer owns or services the debt and therefore can not legally continue reporting it as active or collectible. 
Continuing to report this account as a charge-off while it has been sold or transferred constitutes false and unverifiable information, violating the accuracy and compliance procedures required under 15 U.S.C. 1681e ( b ) and the duty to reinvestigate under 1681i ( a ).

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