vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
I am writing to follow up on my previous correspondence regarding unauthorized accounts appearing on my credit report due to the Equifax and TransUnion data breaches. I want to provide an update and emphasize that this situation is causing significant financial hardship for me and my family. 

Despite my prior complaints and requests for removal of accounts that do not belong to me, I continue to experience harassment and stress from repeated demands to verify fraudulent accounts. The ongoing presence of these accounts on my credit report is affecting my financial stability and ability to manage my legitimate accounts. 

As previously stated, the only accounts that are legitimately mine and should remain on my credit report are : XXXX XXXX  XXXX Credit Card XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Credit Card My Student Loans All other accounts appearing on my credit report are fraudulent and are directly the result of the data breach. 

I respectfully request urgent action to : Delete all unauthorized accounts from my credit report immediately. 

Confirm in writing once the corrective actions have been completed. 

Ensure that I am not held responsible for any fraudulent activity associated with accounts that are not mine. 

Please understand that the continued presence of these fraudulent accounts is causing real financial harm to my family, and I ask for prompt resolution. I appreciate your immediate attention to this matter and look forward to your written confirmation of corrective actions.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2025-09-07 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report obsolete charged-off accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ).

The following accounts are still being reported even though they are more than 7 years past the Date of First Delinquency : XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX XXXXXXXX Account XXXX XXXX Charged Off {$0.00} balance XXXX XXXX Be Account XXXX XXXX Charged Off {$0.00} balance According to the FCRA, negative accounts must be removed after 7 years from the Date of First Delinquency. These accounts are older than 7 years and should no longer appear on my credit report. 

I have already disputed these accounts directly with the credit bureaus. Despite that, the accounts remain, continuing to damage my creditworthiness. 

Requested Resolution : Immediate deletion of these obsolete accounts from my credit reports with all three credit bureaus.

Written confirmation that the deletions have been completed. 

I am attaching supporting documentation, including : Screenshots of the accounts still appearing on my credit report My previous dispute correspondence with the credit bureaus Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: TX

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 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Shellpoint Mortgage continues to charge us for homeowners insurance, when we have sent them proof of having our own, through our HOA. We have sent the info four times and our management company has sent it once.

Ive requested that they investigate the matter, since they reimbursed us a small amount last year for having our own homeowners insurance. As of today, Ive only received letters stating that they are looking into the matter. This has been ongoing for several years and Ive researched that they ( Shellpoint ) has been sued for doing it in other states. 
Can you help us? 
Thank you in advance, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I am writing to follow up on my previous correspondence regarding unauthorized accounts appearing on my credit report due to the Equifax and TransUnion data breaches. I want to provide an update and emphasize that this situation is causing significant financial hardship for me and my family. 

Despite my prior complaints and requests for removal of accounts that do not belong to me, I continue to experience harassment and stress from repeated demands to verify fraudulent accounts. The ongoing presence of these accounts on my credit report is affecting my financial stability and ability to manage my legitimate accounts. 

As previously stated, the only accounts that are legitimately mine and should remain on my credit report are : XXXX XXXX  XXXX Credit Card XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Credit Card My Student Loans All other accounts appearing on my credit report are fraudulent and are directly the result of the data breach. 

I respectfully request urgent action to : Delete all unauthorized accounts from my credit report immediately. 

Confirm in writing once the corrective actions have been completed. 

Ensure that I am not held responsible for any fraudulent activity associated with accounts that are not mine. 

Please understand that the continued presence of these fraudulent accounts is causing real financial harm to my family, and I ask for prompt resolution. I appreciate your immediate attention to this matter and look forward to your written confirmation of corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
Was looking over my credit for any errors and saw something from the aligned company for something called EXTRA. Saying I had late payments. Ive never heard of this company in my life. The number listed on Equifax is inactive. I sent several emails and have received zero correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NC

Complaint narrative:
Check credit and found an unauthorized account on my report

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 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by CNAC ( Account Number ending in XXXX ) between XX/XX/XXXX, and XX/XX/XXXX. 

I have attached proof of on-time payments for XXXX, XXXX, and XX/XX/XXXX. This account was never 30 days past due, so this late mark is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I request an immediate investigation and correction of this error. Please remove the inaccurate late payment from my credit report and provide me with confirmation once corrected. 

Thank you for your prompt attention to this matter. 

Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Indiana XXXX XXXX Last 4 : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NY

Complaint narrative:
I am filing this formal complaint against First Progress Credit Card Company for gross negligence, lack of urgency, and failure to rectify a serious issue that has caused direct and damaging consequences to my credit profile. 

On XX/XX/year>, I submitted my annual fee payment of {$31.00} with a total of {$39.00} through my bank. My bank confirmed the payment was sent that same day and that First Progress cashed it on XX/XX/year>. Despite this, First Progress did not process the payment until XX/XX/year>, and then falsely marked my account as late. This resulted in the assessment of an unwarranted late fee and, more importantly, the negative reporting of a late payment to the credit bureaus. 

I immediately contacted First Progress when I became aware of this error, nearly two months ago. I was proactive in trying to prevent the reporting of inaccurate information that I knew would harm my credit standing. I repeatedly spoke with multiple representatives and supervisors, all of whom assured me that the matter would be resolved in 35 business days. I have now been waiting since XXXX, and it is currently XXXX no resolution. 

On XX/XX/year>, at their request, I submitted proof from my bank clearly showing that my payment was made on time, sent XX/XX/XXXX, and cashed XX/XX/XXXX. Despite providing the exact documentation they asked for, First Progress has continued to disregard my dispute. Instead of correcting the error, they allowed inaccurate information to be reported to the credit bureaus. As of today, my XXXX credit score has dropped by XXXX points due to their negligence. 

This is unacceptable. I acted in good faith, paid on time, and went above and beyond to provide proof of my compliance. First Progress has shown no accountability and no urgency in correcting their mistake, despite being fully aware of the harm they are causing me. 

I am demanding immediate removal of the false late payment ( s ) from all credit bureau reports, a full correction of my account history, and removal of any associated late fees. Their failure to act promptly has already caused measurable financial damage to me, and their dismissive handling of this matter demonstrates a troubling disregard for consumers. 

I request that Consumer Finance intervene to hold First Progress Credit Card Company accountable and ensure they take immediate corrective action. 

I have been with this company for 7 years as a customer and feel as though the company does not care for their consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Coinbase has frozen over {$3000.00} of my funds for multiple days without providing a reason or timeframe for resolution. Their support only gives generic responses about a bug and no XXXX, which violates their own user policies and obligations as a registered XXXX XXXX XXXX. This has caused me direct financial harm, including overdraft fees and inability to access my own money. I am requesting the release of my funds, a clear explanation, and compensation for damages. 

Company : Coinbase , Inc . 

Case Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Sent documents verifying insurance paid the suppmental portion of the bill. XXXX paid rest. Sent this info to both XXXX XXXX and XXXX collection. Transworld Systems Inc. Client name XXXX XXXX XXXX XXXX Acct. # XXXX Client Ref. XXXX. Balance {$99.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Dual tracking complaint and foreclosure on my primary residence On XX/XX/year>2025 via mail and faxed XX/XX/XXXX - Borrower submitted a complete application Request for Modification to Mr. Cooper/ Nationstar On or around XX/XX/XXXX - borrower received notice of Foreclosure Borrower contacted the lender to determine the modification application status and no information was provided by the lender On XX/XX/XXXX - foreclosure action was taken without any notice or regard to the modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
XX/XX/year> they locked my card won't let me get through won't unlock it holding my daughter 's SSI benefits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: LEXISNEXIS
State: OH

Complaint narrative:
I owe no Debts to this company. My Public Information under Bankruptcy courts is not authorized, it's violating my consumer rights to privacy pursuant to 15 USC 1681-b2 company has no permission to report my information per 15 USC 16814

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attempted to correct incorrect information on my credit report for the following accounts : XXXX Bank XXXX XXXX XXXXXXXX Bank Experian has refused to properly investigate these accounts. When i try to verify information, the Experian website states that I am no longer allowed to dispute these accounts. 
Both of these account have been removed from my other credit reports due to age and/or incorrect information. Experian seems to be leaving these items on my report even though they stated that should be removed. The only investigation that Experian does now is to wait until they falsely verify information instead of doing it immediately. This is to get around the fact that they are known to not investigate. 
Both of these reports have told me that they are no longer reporting on my credit reports. I find it odd that Experian is reaching out to these companies, being told that they are no longer reporting these issues and still insists on leaving them on my credit report. 
Experian also insists on lowering credit scores due to complaints that are made. 
I would like Experian to start properly investigating disputes and to stop falsely reporting old derogatory accounts as a way to stop people from improving their 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Date : XX/XX/year> Re : CFPB Complaint No. XXXX To Whom It May Concern, This letter is submitted as a follow-up to my prior complaint regarding ChexSystems reporting of an account allegedly associated with XXXX Bank. ChexSystems has failed to provide legally sufficient documentation to substantiate the reporting of this account. Instead, ChexSystems has relied on generic responses claiming that it only reports what banks send. Such a response is not a valid defense under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX and XXXX ( b ), nor does it relieve ChexSystems of its independent duty to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. 

By continuing to publish and report unverified and inaccurate information, ChexSystems has willfully violated its obligations under the FCRA. These actions have caused me direct and ongoing harm, including denial of credit, reputational injury, and emotional distress. 

Accordingly, I demand statutory damages in the amount of {$1000.00} pursuant to 15 U.S.C. XXXXn for willful non-compliance with the FCRA. This demand is non-negotiable. 

Failure to comply will leave me no choice but to pursue legal action in federal court, where I will also seek attorneys fees, costs, and any additional damages permitted by law. 

A copy of the original complaint letter will be attached Sincerely, 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 2025-09-07 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:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX Acct:XXXX XXXXXXXX Acct: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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The collector has failed to validate the debt under 15 U.S.C. 1692g. Providing a billing statement from the original creditor is insufficient to prove ownership by LVNV Funding LLC. Until proper validation is provided, further collection attempts are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation