vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-05 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: CA

Complaint narrative:
I am submitting this complaint because Equifax continues to report an inaccurate charge-off account that has not been properly verified or substantiated. The account in question is listed as follows : XXXX - XXXX * * * * - XX/XX/year> - {$0.00} This item is both misleading and inconsistent with the factual credit history it is supposed to represent. It reflects a charge-off status despite showing a zero-dollar balance, which indicates that the account is either paid, settled, or incorrectly classified as derogatory. A XXXX balance can not logically support an active charge-off designation, and Equifax has failed to provide any documentation explaining or justifying this discrepancy. 

I have previously disputed this item directly with Equifax, requesting a full reinvestigation as allowed under the Fair Credit Reporting Act ( FCRA ). However, I received a vague response of verified as accurate without any evidence of proper verification from XXXX Bank or any original creditor records confirming the charge-off event. Under the FCRA, Equifax is required to ensure the maximum possible accuracy of information reported and to conduct a reasonable reinvestigation when a consumer challenges an item. Reporting a charge-off with no outstanding balance undermines the integrity of my credit profile and gives potential creditors a false impression of delinquency that does not exist. 

This inaccuracy has caused unnecessary harm to my credit reputation and emotional distress, as I work diligently to maintain an accurate and transparent credit history. The presence of false or unverifiable derogatory information continues to negatively affect my financial stability and credibility as a responsible borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
THIS ACCOUNT IS FRAUDULENTLY REPORTED UNDER MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Summary of Complaint : This complaint is submitted regarding repeated and misleading debt collection attempts by Credit Corp Solutions on an alleged credit card debt that is beyond the statute of limitations in the State of Georgia. 

The alleged account originated from a credit card that went into default in XXXX XXXX. Credit Corp Solutions obtained the account in XX/XX/XXXX. Under Georgia law ( O.C.G.A. XXXX ), the statute of limitations for written contracts is XXXX years, meaning the debt became time-barred in XX/XX/XXXX. Despite this, XXXX XXXX XXXX began contacting me in XX/XX/XXXX and has made a total of XXXX ( XXXX ) call attempts between XX/XX/XXXX, and XX/XX/XXXX. 

Legal Basis : The repeated collection efforts and misrepresentation of the debts legal status appear to violate multiple sections of the XXXX Fair Debt Collection Practices Act ( FDCPA ) and the Georgia XXXX XXXX Practices XXXX ( XXXX ), including : XXXX XXXX. XXXX ( XXXX ) : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass. 

15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 10 ) : Use of any false representation or deceptive means to collect or attempt to collect any debt. 

O.C.G.A. XXXX ( a ) : Prohibition of unfair or deceptive acts or practices in trade or commerce under Georgia law. 

Additional Factual Findings and Legal Basis : XXXX. In Georgia, the transfer or sale of a delinquent account to a collection agency does not affect or reset the applicable statute of limitations for collecting a debt. The six-year limitation period ( O.C.G.A. XXXX ) begins on the date of default or last payment, not when the debt changes ownership. 

XXXX. On XX/XX/XXXX, I spoke with XXXX representatives of Credit Corp Solutions XXXX XXXX ( Account XXXX ) and XXXX XXXX ( Senior Account XXXX ). During those conversations, both individuals implied or stated that the collection date was XX/XX/XXXX ( the date XXXX XXXX received the debt ) rather than XX/XX/XXXX ( the true date of default ). This representation is false and appears intended to mislead me into believing the debt remains legally enforceable or to elicit a statement that could restart the statute of limitations. 

XXXX. Such conduct constitutes misrepresentation of the legal status of a debt and use of deceptive means to collect a debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am a consumer working to address and resolve discrepancies in my credit report. The following accounts are in dispute, and I am requesting that the credit reporting agencies investigate the accuracy and completeness of the information provided. 

Charged Off XXXX XXXX : XXXX, XX/XX/XXXX, Balance : {$100.00} XXXX XXXX : XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX : XXXX, XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-11-05 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: NC

Complaint narrative:
I am disputing several items appearing on my TransUnion credit file that are inaccurate, incomplete, or not properly verified. 

Charged Off Accounts XXXX XXXX XXXXI Acct : XXXX * * * * XX/XX/XXXX {$3300.00} XXXX Acct : XXXX * * * * XX/XX/XXXX {$13000.00} XXXX XXXX XXXX : XXXX * * * * XX/XX/XXXX {$18000.00} I am requesting that TransUnion verify the accuracy of these charge-off accounts directly with the original creditors. If any details can not be verified with complete documentation, please delete the entry. 

Inquiries I also notice the following questionable hard inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please confirm whether valid permissible purpose documentation exists. If not, remove them immediately. 

Late Payment Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Please check this one its late and could have been recorded wrong.

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 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NJ

Complaint narrative:
The cash app account that I originally had was closed because after I filed a dispute with Cash App, I closed the account because the support representative failed to mention that she was going to discontinue my Cash App card which I needed to pay a bill. So I closed the account and opened up a new XXXX so I can use the online virtual card but when I tried to verify my identity, they told me that my account was permanently closed because I violated their terms of service. I filed an appeal and I explained the situation but they still told me that my account will be permanently closed and I can no longer use Cash app. The Cash app that they permanently closed has {$100.00} and they refuse to give me my money. Whenever I try to ask how are they gon na give me the money and how long will it take for me to receive it? They just tell me that my complaint has been filed and theres no more information they can tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. to formally dispute inaccurate, incomplete, and unverifiable information being reported in my consumer file. The following accounts violate multiple provisions of the FCRA and must be deleted immediately. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge-Off, Balance {$470.00}, Date Opened XX/XX/XXXX Closed XX/XX/XXXX Dispute Basis : The account is reported as charged off while still showing an active balance and inconsistent Date of Last Payment. 
XXXX  is reporting payment activity and a status inconsistent with the original creditors standard reporting cycles. 
Under FCRA 1681e ( b ), the CRA must assure maximum possible accuracy of information. This account reflects mutually exclusive data ( charge-off + open balance + payment activity ), rendering it inaccurate and unverifiable. 
XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge-Off, Balance {$470.00}, Opened XX/XX/XXXX, Closed XX/XX/XXXX Dispute Basis : The payment history displays inconsistencies ( payments reported after the charge-off date ), violating FCRA 1681c ( a ) ( 5 ) and FCRA 1681e ( b ) for accuracy.

The account shows Paid Monthly terms after closure, which is factually impossible. 
No signed contract or account-level validation has been provided proving ownership of this alleged debt. Under FCRA 1681i ( a ) ( 5 ) and 1681b ( a ) ( 3 ), unverifiable data must be deleted. 
XXXX. MIDLAND CREDIT MANAGEMENT XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Collection account reported for {$670.00}, opened XX/XX/XXXX, original creditor XXXX XXXX XXXX  XXXX. 
Dispute Basis : This item reflects a factoring company account status, which is misleading and inaccurate under FCRA 1681e ( b ).

The account is also flagged Account information disputed by consumer ( FCRA ) meaning prior verification attempts failed or were inconclusive. 
Midland Credit Management is a debt collector, not an original creditor. Under FCRA 1681s-2 ( a ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), the furnisher must provide full validation of the debt, including original signed contracts and itemized statements. 
Any continued reporting without validation constitutes willful noncompliance under FCRA 1681n and 1681o, subject to damages and attorneys fees.

In compliance with FCRA 1681i ( a ), I am demanding a full reinvestigation of these items within XXXX  days of receipt of this letter. If these accounts can not be verified with original creditor documentation, they must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
Spoke to XXXX XXXX loss mitigation XXXX she said the Investors denied me because my debt ratio would exceed new mortgage payment. And I had previous modifications XXXX and maturity my loan was in XXXX, because I purchased my home in XXXX. I told her I have very little debt. I ask her to relook at my expenses to correct the review of my file. I asked could they take pass due amount place it on the arrear of loan. I responded I just received a modification for my second mortgage with Shellpoint, so why is there an issue assisting me with mortgage assistance for my 1st mortgage. I also ask how can you foreclose on my1st Mtg and approve the 2nd mortgage. I added I feel Shellpoint is trying to foreclose on my home not providing me with mortgage assistance. I informed her I read Hud sued XXXXShellpoint XXXX for giving homeowners incorrect information for mortgage assistance and not processing documents correctly for homeowners needing help. I was laid off from my job during covid19, was called back to work my hours were reduced because of the economy. I feel I am being discriminated against because of being XXXX and a single female. Don't want to lose my home to foreclosure. LN # 2nd mtg 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, at the Citibank branch ATM located at XXXX XXXX XXXX, I attempted to deposit {$1200.00} in cash. The machine malfunctioned mid-transaction : it accepted the cash but glitched out, displaying an error message to " call Citibank, '' then ejected my debit card without completing the deposit or refunding the funds or giving me a receipt. The ATM was immediately marked " out of order '' then it proceeded to say this atm can not accept or dispense cash, following my transaction. 


I called XXXX XXXX  customer service line ( XXXX ) right away to report the error. The representative opened an investigation and advised provisional credit might be issued pending review, with a resolution timeline of up to XXXX business days per Regulation E. dispute reference number is XXXX The next morning ( XX/XX/year> ), I visited the branch while the ATM still displayed the out-of-order sign ( clearly linked to my incident ). I spoke with branch XXXX XXXX and associate XXXX ( or XXXX unclear ). I inquired specifically about the timeline for a technician to service the ATM, as my cash was visibly retained inside the machine. XXXX stated he " couldn't do anything '' and suggested I file a police report if desired. XXXX was dismissive and rude in her responses to me and later to responding officers. 
Despite their lack of assistance, I visited the branch multiple additional times, reiterating the issue and providing transaction details, receipts, and photos. XXXX consistently redirected me to the XXXX number, claiming no branch-level action was possiblecontradicting the phone rep 's advice to escalate via the XXXX. 

Following XXXXXXXX XXXX  suggestion, I filed a police report with XXXX XXXX, report number XXXX. When officers arrived at the branch, XXXX suddenly provided more information, stating a technician was " on the way '' to address the ATM. However, as of XX/XX/year> XXXX ; XXXX XXXX, I have received no updates from Citibank, the branch, or police regarding the cash recovery, technician visit, or investigation status. 
This {$1200.00} was my rent money, causing immediate financial hardship. The branch 's unprofessional conductparticularly XXXXXXXX XXXX nastiness toward me and the XXXX the XXXX  and delayed resolution. 



I am protected under federal Regulation and expect prompt action. Please contact me at XXXX email is 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 monetary relief