vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
Dear XXXX, I am submitting this formal dispute regarding certain accounts that I believe contain inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). Below is a breakdown of the accounts in dispute, separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$2100.00} These accounts are being reported inaccurately, and Equifax has failed to provide sufficient verification or documentation. 

Inquiries ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are being reported inaccurately. I request their removal unless properly validated. 

Late Payments XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and 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 2025-11-18 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: LA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, they have failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), particularly 611. 

I request that the CFPB assist in ensuring that Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are inaccurately reported. I request their removal unless properly validated. 

Late Payments ( 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 2025-11-18 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: Experian Information Solutions Inc.
State: MI

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 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Ice noticed that spring oaks capital aahs been attempting to receive payment for a XXXX account .. this account doesnt exist with XXXX  or their collections agency .. Ive reached out to XXXX  to confirm which they did not have any information pertaining to me. Ive reached to spring oaks but could reached them multiple times about the account with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Please assess the documentation shared ; the questions came suddenly and may be unauthorized.

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 2025-11-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a {$100.00} prepaid gift card ( general, not to a specific store ) after doing an online study with XXXX and was unable to use it at any stores. I called the number on the back of the card ( XXXX ) after trying multiple times to follow their prompts " card not working? '' part of their page. 

I have called at least 5 times since XX/XX/XXXX requesting that my prepaid {$100.00} gift card be released to me or reissued. They insisted on requiring me to FAX ( no other options available, including email or physical address ) which feels extremely predatory and impossible in XXXX. 

I faxed documents on XX/XX/XXXX and followed up 4 days later ( the only way they offer to resolve - you have to call them back to check in ) and they told me in vauge terms the documents were " unreadable '' - I sent them at full size XXXX, so that's impossible. 

I then faxed documents again on XX/XX/XXXX and I called today and they again told me that the documents and " security features '' are not visible in the FAXED item. Quality of photos and scans would not be visible through a fax machine. 

This organization is scamming people and this is all intended to keep people from spending their own, earned, money.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In reviewing my credit report, I noticed that a collection account reported by XXXX XXXX XXXX is inaccurate and appears to contain unverifiable information. The balance has remained unchanged for several years, even though XXXX XXXX reporting guidelines require updated and accurate balance and status information. I submitted a dispute directly with the credit bureau on [ insert date you disputed ], but the account continued reporting with no evidence of a proper reinvestigation. 

Additionally, the dates associated with the first delinquency and status updates do not match the information I originally received from the creditor and appear inconsistent with standard reporting practices. The account also shows a consumer disputes notation without any meaningful change or updated documentation. 

I contacted the credit bureau and requested verification under the Fair Credit Reporting Act. The company did not provide updated information, documentation, or clarification regarding the discrepancies. Because the data has not been corrected or verified, I believe the reporting is inaccurate and incomplete. 

I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that the company properly investigates and corrects or removes the inaccurate information.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XX/XX/year> We made a payment to NewRez LLC in the amount of XXXXXXXX XXXX  2 days before the deadline of the XXXX. Payment was confirmed with confirmation number and funds in the account. 

XX/XX/XXXX they charge us with XXXX XXXX late fee for a bounced payment when there was funds in the account. 

I have called multiple times, the agents on the phone all barely speak XXXX and I can barely understand them. On the 3rd try an XXXX lady with decent XXXX lead me on a wild goose chase about the late fee and that it's my banks fault, not theirs. 

Looking online seems like multiple people are having problems in regards to NewRez with their payment team. We have been paying our mortgage on time every month for the last 4 years, and this year we have had this problem twice already. Trying to get in contact with someone on the phone is just a waste of time and me and my wife are at whits end. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: NC

Complaint narrative:
XXXX XXXX Address XX/XX/year> Landmark Financial Ser XXXX XXXX XXXX XXXX GA XXXX Re : Formal Dispute of Account Information & Cease-Communication RequestAccount Number : XXXX To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and verifiability of information related to the above-referenced account. This letter is submitted pursuant to my legal rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

1. DISPUTE UNDER 15 U.S.C. 1681 ( FCRA ) I dispute the reporting of this account with any consumer reporting agency because the information furnished by Landmark Financial Services appears to be inaccurate, incomplete, and/or unverifiable.

Under 15 U.S.C. 1681i ( a ) and 1681e ( b ), you are required to : 1. Conduct a reasonable reinvestigation of the disputed information.

2. Provide me with written results of your reinvestigation.

3. Delete or correct all inaccurate or unverifiable information.

4. Notify all consumer reporting agencies to which you furnish data of any necessary corrections or deletions. 
Please complete your reinvestigation within 30 days, as required by law. 

2. CEASE-COMMUNICATION REQUEST UNDER 15 U.S.C. 1692c ( c ) ( FDCPA ) This letter also serves as my formal request that you and any third-party agents acting on your behalf cease all communications with me, except where specifically permitted by federal law.

Under 15 U.S.C. 1692c ( c ), once written notice is received, a debt collector may only contact me to : 1. Confirm that further communications will cease ; or 2. Notify me of specific legal remedies you intend to pursue.

Effective immediately, Landmark Financial Services is instructed to STOP all : * Phone calls * Text messages * Emails * Workplace contact * Third-party outreach All permissible communication must be in written form and sent to my mailing address above. 

This letter is not a refusal to pay, nor is it an admission of liability. 
This is a lawful assertion of my consumer rights under federal statutes governing debt collection and credit reporting. 
Thank you for your prompt attention to this matter. I expect written confirmation of your reinvestigation findings as well as acknowledgment of my cease-communication notice. 
Sincerely, Your Name ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am submitting a dispute regarding inaccurate credit reporting on my credit file. Below are the details of the accounts I am disputing, separated by each bureau : Charged Off Accounts : XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$4100.00} Late Payments : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MOHELA
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX MOHELA - XXXXXXXX XXXX XXXX XXXX XXXX -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Huntington Bank has reported a delinquency on my credit file that resulted entirely from a system and process failure within their autopay and account-management platform. I have never had a late payment with any lender until this issue occurred. 

When my debit card expired on XX/XX/XXXX, I attempted to update my payment information and re-establish autopay. Despite multiple attempts, Huntingtons systems prevented it. Customer service could process a one-time payment, but repeatedly told me they could not set up autopay using the same ACH account they were using to take manual payments. They also stated there was no other department or escalation path to assist. 

I also attempted to set up autopay through the online portal after each payment. Each time, the system displayed the following message : Sorry, your account is past due Before you set up a recurring payment, please pay your current amount due. I had already paid the amount due, and the account was current. Yet the portal continued to block autopay. As of today, the system still does not allow me to establish autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am disputing the following accounts on my credit report. Please review the details below and correct any inaccuracies. 

Equifax ( EQ ) Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-11-18 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: NY

Complaint narrative:
Please check the materials sent ; the questions were received with no advance notice and might not be sanctioned.

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 2025-11-18 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: PA

Complaint narrative:
I am writing to formally dispute several items on my Equifax credit report. I have identified accounts and inquiries that I believe are inaccurate, outdated, or not reflective of my current credit status. I request a thorough investigation and correction or removal of the following : 1. Previous Address : My report lists outdated addresses. Please verify and update to my current address on file.

2. Charged-Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$900.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$660.00} XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$13000.00} XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX. Inquiries : XXXX, XX/XX/XXXX I request that Equifax review each item, verify its accuracy, and remove or correct any information that can not be substantiated.

Company response to consumer: Closed with non-monetary relief