vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history. 

Inaccurate reporting not only violates my rights under federal law but also inflicts unnecessary and unwarranted harm to my creditworthiness. I have consistently fulfilled my financial obligations responsibly, and any discrepancies on my report are the result of reporting errors or misunderstandings that must be corrected without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am filing a complaint against Credit Control , LLC and XXXX XXXX. regarding an alleged credit card account ending in XXXX that is being unlawfully collected and inaccurately reported. 

On XX/XX/year>, Credit Control , LLC mailed me a letter claiming they were providing validation. The letter did NOT include a signed contract, itemized accounting, charge-off history, assignment records, chain of title, or any documentation proving ownership of the account. 

Instead, the debt collector admitted they do NOT possess these documents and instructed me to request them from XXXX. This violates FDCPA 1692g ( b ), which requires the debt collectornot the consumerto obtain and provide validation.

Despite being unable to validate the account, Credit Control continues reporting it to the credit bureaus. Furnishing unverified or inaccurate information is a violation of : FDCPA 1692e ( 8 ) FCRA 1681s-2 ( b ) FCRA 1681e ( b ) XXXX Reporting Standards Because the collector can not validate the debt, the account is unverified and must be removed. I am requesting CFPB investigation into the unlawful collection activity and inaccurate reporting, and I request immediate deletion of the tradeline.

The Credit Control letter dated XX/XX/year> is attached as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was misled into sending money to XXXX XXXX XXXX who falsely represented themselves as a legitimate matchmaking service. They pressured me to send a XXXX payment through my banck of {$1500.00} before providing any real service, and after sending the money, I discovered the agreement they sent is fraudulent and contains predatory, deceptive terms. I transferred through XXXX in PNC virtual wallet service. I did NOT receive the services I was promised, and I now believe this was a scam designed to obtain money under false pretenses. I am requesting that you file an authorized scam claim and contact the receiving bank to attempt to freeze or recall the funds before they are withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of all the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am disputing the reporting of the following account : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Although Equifax currently shows no derogatory marks, there are inconsistencies between bureaus regarding payment status, dates, and past-due amounts. Under FCRA 607 ( b ), all information furnished must be accurate and consistent across CRAs.

Legal Basis This dispute is made under : FCRA 611 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 ( a ) ( 7 ) ( request for reinvestigation procedure description ).

I request an investigation to ensure complete and accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I have noticed a few accounts reporting on my Credit that I do not recognize 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 2025-12-09 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:
I have noticed a few accounts reporting on my Credit that I do not recognize XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
I work a job that is not consistent so since the start of my loan with New Rez, I make payments early. I have never had an issue. They provide a box that allows me to allocate my payment and I allocated my payments to future payment. In XXXX, everything was allocated as I asked and my next payment was due XX/XX/XXXX due to making and allocating on their form how I wanted my payments made. 

Suddenly on XX/XX/XXXX without any notice they took my payments and put them towards principal. I do not want the payments towards principal and did not allocate them that way. I intentionally pay early so I make sure my house payment is always made. 

I immediately called and was told it would be fixed, it was not, I called back and was told it would be escalated. I called today and was told you can not pay more than three months ahead. 

That would be find had I been told that and had I not received statements for month and been able to allocate these payments ahead. I am not sure how they can suddenly make a policy change and change my past allocations without notice or warning. 

I am now scared, I will not have funds to make those payments which is why I made them when I did. I did not want them applied towards principal, that does not help me in a couple months when I am out of funds. 

I have requested if they can not apply the payments as they had them in XXXX they refund me as I need the fund if not applied to future payments to make those payments. I feel they are doing this to try and have a reason to destroy my credit or foreclose on me. The reason for the early payments was to protect that in the uncertainty that I have. 

I request that A - they restore everything to what was on last months XXXX statement or B-refund me the extra amount put towards principal ( reducing that misapplied allocation ) and I will put in savings so I can make those payments. I will do that in the future since there has been this policy change. I do not think it is air to retroactively apply it to me. I did not agree to it and each time I made a payment I used the coupon and told them where it was to go. I do not know how they can change those terms. 

I do have this in escalation but the young lady told me she is not sure they will help me. I desperately need help so that I don't have issues with those payments and again, I do not understand how they can make a unilaterally decide to retroactively un-apply the payments as agreed and simply put them where they want. 

I am attaching the statement that shows things when they were allocated as we both agreed and prior to these reversals and mess made of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a Nordstrom card with autopay set up. I noticed in my bank that the entire balance was paid on my card on XX/XX/XXXX when I did not approve that. I never called Nordstrom to set up a VPU payment and did not authorize that.

Nordstrom has done nothing and I have reached out to my bank but this is not a typical situation and I want to know why voice payment is a thing without any other approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2025, around XXXX I receive an email about receiving a temporary shopping pass for a Home Depot credit card I didnt sign up for. Suspected it to be phishing but I immediately get a notification from XXXX that I had a new hard inquiry on my credit report. The following day I get a similar email from XXXX XXXX followed up with another similar notification from XXXX. 

I call Home Depot customer support and they confirmed the card was active and was already used for a purchase that was approximately XXXX dollars. They close the card and recommend me to freeze my credit, which I did. I later contacted XXXX XXXX but the manager for credit didnt see any card and the inquiry later disappeared. Not sure if freezing the credit immediately had anything to do with that. 

Its worth noting that both Home Depot and XXXX XXXX cards are issued through Citi, which I have a XXXX card with. As of me writing this on XX/XX/2025, I havent noticed any unauthorized charges on that card or any other form of payment I have in my name. Just these two instances of someone trying to open a store card using my name.

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