vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
Equifax is reporting a tradeline furnished by XXXX that contains multiple inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). These errors include : Different and contradictory dates of first delinquency ( DOFD ) compared to other credit bureaus. 

Duplicate months reported as charged-off. 

A gap of over four years before Date Major Delinquency First Reported. 

Missing payment history despite many months reviewed. 

Credit limit missing or reported as XXXX for a revolving account. 

Conflicting charge-off amounts and inconsistent remarks. 

These errors are structural and embedded in the accounts history, making it impossible to correct without creating unverifiable information. 

Additional context : This same account was previously reported by XXXX XXXX XXXX as a collection account. Following my dispute, XXXX removed their tradeline from all credit bureaus, as confirmed in a CFPB case closure letter I am attaching. The continued reporting of the XXXX tradeline now creates conflicting and irreconcilable information for the same debt. This violates FCRA 607 ( b ), which requires furnishers to ensure accuracy, and FCRA 611, which requires credit reporting agencies to conduct reasonable investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I entered into a loan modification agreement signed and executed by both myself and the servicer/owner of my loan. On page 2, paragraph C of the agreement, it is clearly stated that {$92000.00} is eligible for forgiveness, provided that I am not in default such that the equivalent of three full monthly payments are due and unpaid on the last day of any month. The agreement further provides that on each of the first, second, and third anniversaries of XX/XX/XXXX, the lien shall be reduced by one-third of the deferred principal balance ( {$30000.00} per year ). 

At the time of the modification, my loan was serviced by XXXX XXXX XXXX ( XXXX ). In accordance with the agreement, on XX/XX/XXXX, XXXX reduced my principal by {$30000.00}. 

In XX/XX/XXXX, my loan servicing was transferred to Shellpoint Mortgage Servicing. Under the modification terms, Shellpoint was required to reduce my principal by another {$30000.00} on XX/XX/XXXX. Despite my repeated attempts to resolve this matter over the past four months, Shellpoint has failed to honor this contractual obligation. 

Instead, I have been repeatedly contacted and harassed regarding an alleged balance of {$62000.00}, which is also reflected on my monthly statements. This is incorrect, as I have consistently made my mortgage payments on time and am in full compliance with the terms of my loan modification agreement. The failure to apply the required principal reduction constitutes a breach of contract. 

This ongoing issue is causing me significant stress and health problems, as I am being wrongfully pursued for a debt I do not owe. I have in my possession the complete executed loan modification agreement, documentation from the prior servicer, and proof of the XX/XX/XXXX principal reduction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charged-Off Account Toyota Motor Credit Account Ending in XXXX To : Toyota Motor Credit Corporation Compliance / Credit Reporting Department I am formally disputing the reporting of the charged-off account ending in XXXX that is appearing as closed on my credit report. 

This reporting is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may not furnish information you know or should know is inaccurate, and you must conduct a reasonable investigation when notified of a dispute. 

Provide all documentation you claim supports this reporting, including : Original signed contract or account agreement Complete payment history from account opening through closure Documentation of charge-off date and manner of calculation Notices sent to me regarding the alleged charge-off If you can not fully substantiate every aspect of this accounts reporting, including accuracy of the dates and balances, you must immediately delete the account from all credit bureau records and confirm in writing. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and legal action under FCRA and XXXX XXXX XXXX XXXX for willful violations. 


Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion is reporting a tradeline furnished by XXXX that contains multiple inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). These errors include : Different and contradictory dates of first delinquency ( DOFD ) compared to other credit bureaus. 

Duplicate months reported as charged-off. 

A gap of over four years before Date Major Delinquency First Reported. 

Missing payment history despite many months reviewed. 

Credit limit missing or reported as XXXX for a revolving account. 

Conflicting charge-off amounts and inconsistent remarks. 

These errors are structural and embedded in the accounts history, making it impossible to correct without creating unverifiable information. 

Additional context : This same account was previously reported by XXXX XXXX XXXX as a collection account. Following my dispute, XXXX removed their tradeline from all credit bureaus, as confirmed in a CFPB case closure letter I am attaching. The continued reporting of the XXXX tradeline now creates conflicting and irreconcilable information for the same debt. This violates FCRA 607 ( b ), which requires furnishers to ensure accuracy, and FCRA 611, which requires credit reporting agencies to conduct reasonable investigations

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 2025-08-11 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: GA

Complaint narrative:
The investigation did not fix all errors and inaccuracies on my account. I am requesting for original documents.

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 2025-08-11 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: GA

Complaint narrative:
The investigation did not fix all errors and inaccuracies on my account. I am requesting for original documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, Halsted 's attorney furnished a response to my complaint about their attempts to collect a debt already paid and did mention that I made a payment but neglected to mention that the payment was for the agreed upon amount to settle the debt. Their statement was crafted to make it appear as though they never got paid when in fact they did. I am attaching all supporting documentation refuting their false statement to the CFPB, and my complaint. Payment of {$380.00} cleared my bank on XX/XX/year> in the amount of {$380.00}. XXXX check number XXXX as my supporting documents clearly show. In regards to their statement that Halsted doesn't furnish information to credit reporting agencies, if this is true then how is it that Halsted appeared on my credit report and also deleted their tradeline after I settled the debt? Is it their other entity XXXX XXXX? Either way, their statement that they don't report to CRA 's is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have ask bank of america to provide proof and to remove incorrect information. ACCORDING TO 15 U.S.C 1681 Fair Credit Reporting Act. They have failed to do whats right. They are in violations of my rights. THEY ARE IN VIOLATION OF FEDERAL LAW WHICH IS : 15 U.S.C 1681 E ( B ) 15 U.S.C 1681 15 U.S.C 1681 B

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello ; I opened an account with XXXX in XXXX, its an app used to make payments in installments. I used for a couple of months but ultimately decided not to continue using the app as I was not planning to continue purchasing as I did. After making the last few payments I was glad. A two months went and I noticed a charge from this company for {$21.00}. I tried to reach out to them to ask about the charge with no response from them. I immediately contacted Bank of America and open a claim at first the claim was denied and I ask for the claim to be reopened and they did and I was given a temporary credit.Three months went by and I noticed my checking account number as negative {$1300.00}, no emails or letter were sent to me in regards to it. Im facing an extreme hardship because of this. Being a Bank of America customer for 7 years I would at least expect them to contact me in regards to this. Id like to file a claim for both the XXXX app and Bank of America.

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 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XX/XX/year> I sent out my first letter of debt verification. I received a receipt stating they had received and signed for my letter. I never got any contact from the debt agency or apartment complex. I waited the 30 days. Sent over a second letter, once again received confirmation it was received and still havent heard from the company or had any amounts confirmed. It has been over 30 days since the company received my second letter and I have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this letter on my own behalf. I am writing to dispute fraudulent and inaccurate information which is appearing on my credit file. I am a victim of identity theft and the following account and inquiries have been applied and or opened on my account without my knowledge or consent : XXXX  XXXX XXXX, XXXX. I have never applied for, opened, or authorized this account in any way. Under FCRA 605b 15 USC 1681c-2 this section entitles me to have all information from identity theft blocked from my credit report within 4 business days of receipt of this dispute. supporting documentation, and proof of identity. FCRA 611 15 USC 1681i requires a reinvestigation of disputed information within 30 days. Additionally, FCRA 602 and 607 ( b ) 15 USC 1681e ( b ) advises that all information reported must be accurate and up to date. XXXX XXXX  is erroneously reporting a 30 day late payment. I would like this account verified as I have had a 5 year on time payment history. Please respond in writing within the timeframes required by the FCRA. Failure to comply will result in me filing a complaint with the CFPB and or the Attorney General and FTC.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX XXXX stating that I owe {$980.00} for a Capital One, N.A. account, and XXXX is collecting it. On XX/XX/XXXX, I called XXXX XXXX XXXX to dispute the debt. 
When prompted to enter my Social Security number in the automated system, it did not recognize me. The representative at XXXX XXXX XXXX then stated that the address associated with the account was in XXXXXXXX XXXX a location where I have never lived. ( She found a total of XXXX debts managed by XXXX XXXX XXXX with my name and I dont recognize any of these vendors nor bills ). 

I sent a Certified Mail, Return Receipt letter requesting full debt validation, including the original creditor details, account documentation, and payment history to XXXX XXXX XXXX. I have not received the requested information. Instead, I received a letter from the company requesting that I provide additional verification, including an affidavit. 

I am being pursued for a debt that is not mine, and I have not received the legally required validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). This collection activity is causing undue harassment and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 believe these accounts are fraudulent, as I have no knowledge of them. Please investigate immediately and delete them from my report. Documents are enclosed.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is illegal keeping and Identity theft item in my credit profile and yall are agreeing with them I've submitted police documents and ftc reports and yall failed to do nothing this is not my account I don't agree with these lieing scamming people father more  my name is not XXXX XXXX XXXX I never lived at the said address r paid on this account please tell them to remove it ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX  is illegal keeping and Identity theft item in my credit profile and yall are agreeing with them I've submitted police documents and ftc reports and yall failed to do nothing this is not my account I don't agree with these lieing scamming people father more my name is not XXXX XXXX XXXX I never lived at the said address r paid on this account please tell them to remove it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
XXXXthese inquiries were not authorize by me experian 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 XXXXXXXXtransunion 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 XXXXXXXX XXXXequifax 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 explanation
Consumer complaint received 2025-08-11 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:
XXXXthese inquiries were not authorize by me experian 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 XXXXXXXXtransunion 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 XXXXXXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation