vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Demand for Immediate Deletion and Blocking of Inaccurate and Unverifiable Accounts Under FCRA 611 & 605B To Whom It MRay Concern, This is a formal demand, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., that you immediately delete and block the reappearance of the following inaccurate, unverifiable, and derogatory accounts from my credit report. These entries have caused material harm to my credit standing and do not meet the standard of accuracy or verifiability required by federal law. 

Accounts to Be Deleted and Blocked : XXXX XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX XXXX XXXX  Account # : XXXX Status : Closed, XXXX late payment entries XXXX XXXX XXXX Account # : XXXX Original Creditor : Just XXXXXXXX XXXX XXXXXXXX Status : Collection XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX  Status : Collection Legal Justification : Under FCRA 611, any credit item that is inaccurate, incomplete, or can not be verified must be removed from a consumers credit report. Additionally, under FCRA 605B, I am requesting that these disputed entries be blocked from further appearance on my credit report unless the furnisher provides irrefutable documentation that meets legal standards.

I hereby request : Immediate reinvestigation of each account listed above ; Removal of any item that can not be verified with original documentation ; Written confirmation of deletion within 30 days of receipt of this letter ; Compliance with FCRA 611 ( a ) ( 5 ) regarding reinserted data ( including proper certification and notification to me in writing ).

Failure to Comply : Failure to respond within the statutory 30-day period will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and XXXX  Attorney Generals Office. I also reserve the right to take civil action under FCRA 616617 for willful noncompliance, which may include statutory and punitive damages and attorneys fees. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Demand for Immediate Deletion and Blocking of Inaccurate and Unverifiable Accounts Under FCRA 611 & 605B To Whom It MRay Concern, This is a formal demand, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., that you immediately delete and block the reappearance of the following inaccurate, unverifiable, and derogatory accounts from my credit report. These entries have caused material harm to my credit standing and do not meet the standard of accuracy or verifiability required by federal law. 

Accounts to Be Deleted and Blocked : XXXX XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX XXXX XXXX  Account # : XXXX Status : Closed, XXXX late payment entries XXXX XXXX XXXX Account # : XXXX Original Creditor : Just XXXXXXXX XXXX XXXXXXXX Status : Collection XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX  Status : Collection Legal Justification : Under FCRA 611, any credit item that is inaccurate, incomplete, or can not be verified must be removed from a consumers credit report. Additionally, under FCRA 605B, I am requesting that these disputed entries be blocked from further appearance on my credit report unless the furnisher provides irrefutable documentation that meets legal standards.

I hereby request : Immediate reinvestigation of each account listed above ; Removal of any item that can not be verified with original documentation ; Written confirmation of deletion within 30 days of receipt of this letter ; Compliance with FCRA 611 ( a ) ( 5 ) regarding reinserted data ( including proper certification and notification to me in writing ).

Failure to Comply : Failure to respond within the statutory 30-day period will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and XXXX  Attorney Generals Office. I also reserve the right to take civil action under FCRA 616617 for willful noncompliance, which may include statutory and punitive damages and attorneys fees. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These accounts have been reported under my name without my knowledge or authorization. I have never opened or managed them, and their presence on my credit report is both inaccurate and unacceptable. This false reporting misrepresents my financial history and raises serious concerns. I demand immediate clarification regarding the source of these accounts and who is responsible for submitting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to emphasize that this complaint is valid. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial well-being. I respectfully request that they be corrected or removed as soon as possible.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint against PayPal regarding repeated and harassing phone calls related to a debt they claim I owe through PayPal Credit. I have been receiving excessive callseight times within a single weekdespite not receiving proper verification of the debt in question. 

I am formally requesting that PayPal verify the debt they are attempting to collect. Until valid verification is provided, I am demanding that they immediately cease and desist all phone communications with me. These repeated calls are unwanted and disruptive, and I believe they may be in violation of the Fair Debt Collection Practices Act. 

I ask that the CFPB investigate this matter and hold PayPal accountable for their collection 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 2025-05-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
In 2023 around XXXX and in XXXX my credit score report was no negative results XXXX XXXX XXXX then during same time my score and entire report disappeared from all three agencies Experian, TransUnion, Equifax Even when I tried to open a XXXX  checking account I was told my credit score was not high enough only XXXX, this was during new hire orientation At County of XXXX XXXX administration building

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have enclosed the recent response from Shellpoint Mortgage Company. This company or Shellpoint Mortgage Company has sent papers, used red hearings, and wrote a 100 % total nonsense and XXXX XXXX XXXX  statement. Here is the only substantive fact here Only substantive fact 100 % proving claim against Shellpoint All the claimed late payments were before the loan modification. Therefore, all late payments claimed prior to loan modification are supposed to be removed. None of the papers, XXXXXXXX XXXX XXXX XXXX  wordy statements, or anything else changes this reality which 100 % shows Shellpoint Mortgage Company 1. Falsely reported lates 2. Takes huge amounts of effort to lie and deflect from admitting and fixing this 3. Uses worthless and meaningless paperwork and withholds the only meaningful paperwork or the loan modification and or forbearance wherein it proves my case. 

All of the papers, statements, and claims from Shellpoint from response are absolute XXXX  lies, and worthless wordy statements that avoid the simple reality of my claim. This company is notorious for falsely reporting as well. They are unqualified to be licensed and want to team up with and merge with XXXX XXXX  in order to button up and utilize the merger as a way to XXXX XXXX business practices and falsely reporting mortgage payments to bureaus through saving money and being sloppy. Like XXXX XXXX XXXX XXXX XXXX to save money, whereas here the low skilled workers paid minimal money and the short staff is why this company makes so many egregious errors and then lies and refuses to fix.

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 2025-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi Experian, I just received a copy of my credit report and I found those XXXX inaccurate unauthorized INQUIRIES that shall delete from my credit report. 


XXXX XXXXXXXX inquiry date XXXX XXXX XXXX XXXX XXXX date : XX/XX/scrub>XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXXXXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX XXXX, inquiry date : XX/XX/year> Delete those inaccurate inquiries that I do not recognize. Thanks,

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank is preventing me from transferring funds from my Chase checking account to my XXXX XXXX. Frankly, the previous two complaints have done nothing to dissuade their poor business practices, and this feels like retaliation.

If it's my money, I get to transfer it how I see fit, right? The last two complaints showcase the selective nature of their service. They won't let me purchase food or transport how I see fit, only at their discretion. It's retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The charge-off resulted from a situation that was entirely beyond my control. 

In XX/XX/XXXX, my vehicle which was financed through XXXX XXXX XXXX XXXX was legally parked in front of my home when it was struck and totaled by another driver. The accident triggered a claims process involving both XXXX XXXX and GAP coverage, who worked directly with XXXX XXXX to settle the balance. 

The bulk of the loan was paid off through these insurance providers. However, a small remaining balance of {$120.00} was left on the account. I was informed by my XXXX agent that the remaining balance was the responsibility of the GAP provider. I made multiple attempts to contact GAP and also asked XXXX XXXX to follow up with the GAP representative they had previously communicated with, but no resolution was provided.

At the time, I had just had a baby, was out of work, and facing serious financial hardship. I explained these circumstances to XXXX XXXX, along with the fact that the remaining balance was not supposed to be my responsibility. Despite this, I made the effort to pay the balance out of pocket. 

Its important to note that I also held other active accounts with XXXX XXXX during this same period all of which were kept in good standing with no late or missed payments. This demonstrates that I have a strong history of financial responsibility with XXXX XXXX, and this incident was clearly isolated and circumstantial. 

The auto account became delinquent in XX/XX/XXXX due to the unpaid balance of {$120.00} that was the responsibility of my GAP coverage and was paid in full on XX/XX/XXXX, meaning it was only approximately 60 days past due. 

Under federal credit reporting regulations and XXXX XXXX industry standards, an account must be at least 180 days delinquent before it can be legally reported as a charge-off. As such, XXXXXXXX XXXX reporting of this charge-off is inaccurate and unjustified, and it is causing unnecessary harm to my credit. 

I contacted XXXX XXXX on 4 separate occasions to address this issue. My concerns were repeatedly dismissed, and I was told that there was nothing they could do. On more than one occasion, representatives disconnected the call, and at one point I was told that the charge-off would be automatically removed within 23 months. That never happened and only delayed my ability to seek proper assistance. 

I am now requesting that the CFPB assist in having this inaccurate charge-off removed or corrected, and also review XXXX XXXX  handling of this matter, which I believe reflects poor consumer support and improper credit 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The charge-off resulted from a situation that was entirely beyond my control. 

In XX/XX/XXXX, my vehicle which was financed through XXXX XXXX XXXX XXXX was legally parked in front of my home when it was struck and totaled by another driver. The accident triggered a claims process involving both XXXX XXXX and GAP coverage, who worked directly with XXXX XXXX to settle the balance. 

The bulk of the loan was paid off through these insurance providers. However, a small remaining balance of {$120.00} was left on the account. I was informed by my XXXX agent that the remaining balance was the responsibility of the GAP provider. I made multiple attempts to contact GAP and also asked XXXX XXXX to follow up with the GAP representative they had previously communicated with, but no resolution was provided. 

At the time, I had just had a baby, was out of work, and facing serious financial hardship. I explained these circumstances to XXXX XXXX, along with the fact that the remaining balance was not supposed to be my responsibility. Despite this, I made the effort to pay the balance out of pocket. 

Its important to note that I also held other active accounts with XXXX XXXX during this same period all of which were kept in good standing with no late or missed payments. This demonstrates that I have a strong history of financial responsibility with XXXX XXXX, and this incident was clearly isolated and circumstantial. 

The auto account became delinquent in XX/XX/XXXX due to the unpaid balance of {$120.00} that was the responsibility of my GAP coverage and was paid in full on XX/XX/XXXX, meaning it was only approximately 60 days past due. 

Under federal credit reporting regulations and XXXX XXXX industry standards, an account must be at least 180 days delinquent before it can be legally reported as a charge-off. As such, XXXXXXXX XXXX reporting of this charge-off is inaccurate and unjustified, and it is causing unnecessary harm to my credit. 

I contacted XXXX XXXX on 4 separate occasions to address this issue. My concerns were repeatedly dismissed, and I was told that there was nothing they could do. On more than one occasion, representatives disconnected the call, and at one point I was told that the charge-off would be automatically removed within 23 months. That never happened and only delayed my ability to seek proper assistance. 

I am now requesting that the CFPB assist in having this inaccurate charge-off removed or corrected, and also review XXXX XXXX handling of this matter, which I believe reflects poor consumer support and improper credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The charge-off resulted from a situation that was entirely beyond my control. 

In XX/XX/XXXX, my vehicle which was financed through XXXX XXXX XXXX XXXX was legally parked in front of my home when it was struck and totaled by another driver. The accident triggered a claims process involving both XXXX XXXX and GAP coverage, who worked directly with XXXX XXXX to settle the balance. 

The bulk of the loan was paid off through these insurance providers. However, a small remaining balance of {$120.00} was left on the account. I was informed by my XXXX agent that the remaining balance was the responsibility of the GAP provider. I made multiple attempts to contact GAP and also asked XXXX XXXX to follow up with the GAP representative they had previously communicated with, but no resolution was provided. 

At the time, I had just had a baby, was out of work, and facing serious financial hardship. I explained these circumstances to XXXX XXXX, along with the fact that the remaining balance was not supposed to be my responsibility. Despite this, I made the effort to pay the balance out of pocket. 

Its important to note that I also held other active accounts with XXXX XXXX during this same period all of which were kept in good standing with no late or missed payments. This demonstrates that I have a strong history of financial responsibility with XXXX XXXX, and this incident was clearly isolated and circumstantial. 

The auto account became delinquent in XX/XX/XXXX due to the unpaid balance of {$120.00} that was the responsibility of my GAP coverage and was paid in full on XX/XX/XXXX, meaning it was only approximately 60 days past due. 

Under federal credit reporting regulations and Metro 2 industry standards, an account must be at least 180 days delinquent before it can be legally reported as a charge-off. As such, XXXXXXXX XXXX reporting of this charge-off is inaccurate and unjustified, and it is causing unnecessary harm to my credit. 

I contacted XXXX XXXX on 4 separate occasions to address this issue. My concerns were repeatedly dismissed, and I was told that there was nothing they could do. On more than one occasion, representatives disconnected the call, and at one point I was told that the charge-off would be automatically removed within 23 months. That never happened and only delayed my ability to seek proper assistance. 

I am now requesting that the CFPB assist in having this inaccurate charge-off removed or corrected, and also review XXXX XXXX  handling of this matter, which I believe reflects poor consumer support and improper credit 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