vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I feel victim to the tech SCAM that asks for you to pay a toll or your license will be suspended for 30 days. I inputted my information on the link that was sent to my phone, including Social Security birthday card information, etc. I also was spoofed by my bank, XXXX XXXX of an impersonator, trying to help me resolve my banking issues, but it was a scammer. They scanned me out of {$3000.00} through XXXX XXXX  and they also use my information to open up a XXXX XXXX account and maxed out the card XXXX XXXX has been trying to contact me and I am not the one who made those charges. I am trying to get my credit fixed along with everything else that I can get addressed so that everything we back to normal.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I feel victim to the tech SCAM that asks for you to pay a toll or your license will be suspended for 30 days. I inputted my information on the link that was sent to my phone, including Social Security birthday card information, etc. I also was spoofed by my bank, XXXX XXXX of an impersonator, trying to help me resolve my banking issues, but it was a scammer. They scanned me out of {$3000.00} through XXXX XXXX  and they also use my information to open up a XXXX XXXX account and maxed out the card XXXX XXXX has been trying to contact me and I am not the one who made those charges. I am trying to get my credit fixed along with everything else that I can get addressed so that everything we back to normal.

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 2025-08-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-29 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: CA

Complaint narrative:
This is a formal dispute submitted through the CFPB concerning unauthorized inquiries that appear on my Experian credit report. I am attaching my dispute letter with the details. The inquiries in question are : 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 I am using the CFPB process to ensure that Experian receives this dispute, processes it in accordance with the Fair Credit Reporting Act ( FCRA ), and provides a response within the timeframe required by law. I trust that this complaint, along with my letter, will be forwarded to the credit bureau for proper handling.

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 2025-08-29 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: WA

Complaint narrative:
On XX/XX/year> I tried to login to my Experian online account to view credit reports and freeze status and noticed that the email address and phone number is incorrect so that I can't login. Either someone has hacked this online account and changed these settings or Experian has made an error. This is worrying because I have no control to freeze or thaw credit and in theory someone else has access to additional personal information of mine. Furthermore, I can't do anything requiring a credit check because my account currently has a freeze in place that I am unable to lift. 

I tried contacting Experian 's customer service phone line, but am only able to hear pre-recorded suggestions to manage the account online ( which I can't do because I can't login! ). When asking to speak to a customer service representative the recording says they can only do that under " specific conditions '' and then hangs up. Once out of 20 tries and probably 3 hours of attempts on the phone at navigating these automated menus did I actually get connected to somebody, who said they didn't have the ability to fix membership issues and then transferred me back to the original automated menu. It's been an exasperating experience and I still have no idea how to fix this.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My TD Auto Finance account has been reported with multiple inaccuracies across all credit bureaus.

According to my XXXX  credit report dated XX/XX/XXXX, this account was repossessed in XX/XX/XXXX and charged off in XX/XX/XXXX. TD Auto Finance has instead reported a charge-off date of XX/XX/XXXX, which is false and misleading. In addition, they have continued to report the account as charged off each month, which is improper re-aging and not permitted under the Fair Credit Reporting Act ( FCRA ). 

I also dispute the accuracy of the amount TD Auto Finance claims is owed. I was never provided proof of the final selling price of my vehicle at auction, which is required to establish any deficiency balance. Without this documentation, the balance being reported appears fabricated and unverifiable. Every resource and response I have received from TD Auto Finance or their
collector ( Associated Credit Services ) has only further shown inconsistencies and inaccuracies in their reporting. The information being furnished to the credit bureaus does not match the true timeline of events, the actual repossession and charge-off dates, nor valid proof of balance owed.

I am requesting that TD Auto Finance immediately correct or delete this account from my credit file due to their repeated furnishing of inaccurate, misleading, and unverified information. If this is not resolved, I will pursue all legal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Shellpoint Mortgage Servicing has mishandled my loan account in violation of RESPA and VA servicing requirements. 
1. Improper Escrow Charges Shellpoint advanced {$2900.00} to XXXX XXXX that I didn't authorize, when I already had closed with XXXX XXXX XXXX. They also advanced {$370.00} to XXXX XXXX for a tax bill in the previous owner 's name and charged it to my escrow account. I have proof from the tax office receipt and Shellpoint 's own escrow ledger showing this charge. This improper charge, combined with forced-placed insurance that was later canceled, inflated my escrow shortage to {$7300.00}. I'm uncertain what my payment should be. These amounts are not legitimately owed and should not have been charged to my account. 
2. Failure to Transfer Loan to XXXX After VA Buyout In XX/XX/year>, the U.S. Department of Veterans Affairs purchased my loan through the VA loan guaranty program. Despite this payoff, Shellpoint has not transferred my account to XXXXXXXX XXXX, the VA 's designated servicer. Shellpoint continues to send me escrow analyses, bill me for inflated payments, unknown legal fees, and other fees. This conduct is improper since Shellpoint was paid in full and should not longer be servicing my loan. 
3. Harm Caused I am facing inflated monthly payments and threats of foreclosure based on changes I do not owe. I have been under serve stress, XXXX and XXXX due to Shellpoint 's mishandling of my account. I have disputed these issues multiple times, but Shellpoint only sent letters saying they are " working on it '' without resolving the errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of two billing disputes on my XXXX XXXX credit card account. 

On XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX of this year, I paid a contractor ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) approximately {$41000.00} for renovation services. Two of the payments are in dispute : {$600.00} partial payment on XX/XX/XXXX {$5300.00} payment on XX/XX/XXXX The contractor materially breached the agreement by failing to complete the work. Some work was initiated but much of it was incomplete, defective, or never performed. I provided Capital One with : The contractors estimate ( which serves as the scope of work ), Invoices and proof of payments, Evidence of incomplete work ( photos and replacement contractor quotes ), and Proof of my attempts to contact the contractor ( emails, calls, etc ). 

Capital One accepted this documentation for the {$600.00} dispute and moved that claim forward against the merchant. However, for the {$5300.00} dispute, they rejected the same evidence, stating my response lacks all of the previously requested information. 

This inconsistent treatment is unreasonable and suggests that Capital One applies different standards based on the dollar amount of the dispute rather than the evidence. 

Capital One also repeatedly demanded that I provide a refund letter or voucher from the contractor before they would proceed with the {$5300.00} dispute. This is an impossible requirement since the contractor is unresponsive, and it is precisely the reason I initiated the dispute. 

On XX/XX/XXXX, Capital One sent me a denial letter ( attached ) closing the {$5300.00} dispute. The letter provides no legal justification under the Fair Credit Billing Act. 

This refusal violates my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires Capital One to : 1. Accept and investigate billing error disputes submitted in good faith, and 2. Provide a reasonable written explanation of findings. 

Capital One did not properly investigate, did not submit my {$5300.00} claim through the Visa/Mastercard dispute process under the appropriate services not received/ not as described code, and instead closed the case on the basis of an impossible condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered that Im a victim of identity theft. Attached is my identity theft report the items listed I dont recognize r did I authorize

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 2025-08-29 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), to formally request the method of verification that your office used to verify the accuracy of certain disputed items on my credit report. 

Your response indicated that these items were verified. However, the FCRA requires that upon request, you must provide a description of the procedure used to determine the accuracy and validity of the disputed information, including the name, address, and telephone number of the person or entity that was contacted during the verification process. 

Please provide me with : The detailed procedure used in verifying these items. 

The name, address, and telephone number of each person, company, or entity you contacted. 

Copies of any documents provided or relied upon in your verification process. 

I expect a response within the time frame required by federal law. Failure to comply will be considered a violation of my rights under the FCRA, and I will take further steps to enforce my rights if necessary. 

Thank you for your prompt attention to this matter.

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 2025-08-29 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: FL

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), to formally request the method of verification that your office used to verify the accuracy of certain disputed items on my credit report. 

Your response indicated that these items were verified. However, the FCRA requires that upon request, you must provide a description of the procedure used to determine the accuracy and validity of the disputed information, including the name, address, and telephone number of the person or entity that was contacted during the verification process. 

Please provide me with : The detailed procedure used in verifying these items. 

The name, address, and telephone number of each person, company, or entity you contacted. 

Copies of any documents provided or relied upon in your verification process. 

I expect a response within the time frame required by federal law. Failure to comply will be considered a violation of my rights under the FCRA, and I will take further steps to enforce my rights if necessary. 

Thank you for your prompt attention to this matter.

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 2025-08-29 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: NC

Complaint narrative:
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.

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 2025-08-29 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: NC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion 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. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I've reached out to the companies and haven't received any type of feedback

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 2025-08-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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