vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: SC

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 2025-12-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is con spire under 19 U.S.C with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX - ( XXXX ) XXXX - XXXX by posting {$790.00} as an UNPAID. I have no contract with XXXX XXXX XXXX, and this is a Violation Section 1006 18, false, deceptive and Misleading information, this Fraud 18 USC and miss information, causing libel/slander and irreparable harm. This Medical bill was Paid in Full In and Attached AFFIDAVIT that ALL ACCOUNTS are Pre-Paid See Title 31 s 3124 Exemption from taxation. See Congressional Record XX/XX/XXXX on HR 1491., see title 31 s 3123 p 83. and Negatable instrument was sent to XXXX XXXX XXXX XXXX and a Recorded phone call was conducted in the paid in full payment and balance of {$0.00} This is a pattern and practice of fraud by all party involved and failed to investigate. The CFPD has this information in law office. this is third party fraud. and con spire under19 USC 896 and aggravated identity theft 18 USC 1028A, violation of 15 USC 6802 UCC 1 reports a no debt owed to no one

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB Complaint Request Request for Call Records and Documentation Your Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Loan Number : XXXX Complaint / Request To the Consumer Financial Protection Bureau : I previously filed a complaint regarding the inaccurate reporting of my XX/XX/year> mortgage payment as late by Shellpoint Mortgage Servicing ( Loan # XXXX ). I contacted Shellpoint on XX/XX/year>, and multiple times thereafter to request a forbearance due to fire and wind damage totaling {$95000.00} to my property. During these calls, Shellpoint representatives assured me that no payment would be required while my forbearance request for XXXX # XXXX was processed. To support my dispute and provide evidence of reliance on Shellpoints assurances, I request that the CFPB require Shellpoint Mortgage Servicing to provide : All call logs and phone records for Loan # XXXX, including dates and times of all calls between XX/XX/year> and XX/XX/year>. Any call recordings related to XXXX # XXXX, including XX/XX/year> payment discussions, forbearance requests, and other account communications. Internal notes or communications reflecting the handling of XXXX # XXXX forbearance requests and related disputes. These records are necessary to substantiate my complaint and demonstrate that Shellpoint failed to properly process the forbearance and inaccurately reported my XX/XX/year> payment for XXXX # XXXX. Additionally written policy of turn around time once request is made. Also policy regarding natural disasters one declared by XXXX. Thank you for your assistance in reviewing this matter and ensuring that Shellpoint provides complete documentation to support my dispute. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Loan 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 2025-12-15 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: PA

Complaint narrative:
According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 
XXXX {$9100.00}

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 2025-12-15 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: NJ

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One restricted my account and when i called them they informed me that they had decided to end my banking relationship with their institution. When i asked them what was going to happen to my funds as i had just deposited my payroll check the day they closed my account they said they couldnt give me a time frame because they were still investigating. Which makes no sense if youre still investigating why close the account. They wont tell me when im going to receive my money and dont want to give me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
In XX/XX/XXXX, I opened a checking account with TD Bank in XXXX XXXX XXXX, because I had a three-month summer job at a resort and needed a XXXX XXXX account to receive my wages. 

At the time of account opening, I did not have a XXXX phone number, so TD Bank was unable to set up online banking access for me. I was told this was acceptable at the time. 

In XX/XX/XXXX, before leaving the United States as required by my visa, I visited a TD Bank branch in XXXX XXXX  to resolve the issue. However, the branch staff and XXXX were unable to provide a solution. I then returned to XXXX, as my visa required me to leave the XXXX. 

From XX/XX/XXXX through around XX/XX/XXXX, I was able to transfer money from my TD Bank account to myself using the XXXX ( formerly XXXX ) app without any issues. 

In XX/XX/XXXX, I suddenly became unable to access or transfer my funds. Since then, I have contacted TD Bank customer service multiple times seeking an explanation and a resolution. 

It was not until XX/XX/XXXX, that I was informed that my account had been marked inactive and frozen due to an alleged fraudulent transaction. I was told my identity needed to be verified in order to regain access. 

TD Bank has stated that identity verification can only be completed by : Sending a verification code to a U.S. phone number, which I do not have and never had when the account was opened, or Appearing in person at a U.S. branch, which is not possible because I do not have a XXXX XXXX XXXX and reside in XXXX. 

Each time I contact TD Bank, I am told there is nothing they can do other than requiring an in-person branch visit, despite the fact that I already attempted to resolve this issue in person in XX/XX/XXXX without success. 

Additionally, I have been asked security questions which I am told I have failed, despite being the rightful account holder and having documentation that proves the account belongs to me. 

As a result, I have been unable to access my own funds since XX/XX/XXXX, and as of XX/XX/XXXX, TD Bank has provided no viable or realistic solution, no timeline for resolution, and no alternative method for identity verification or release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a XXXX XXXX Credit Card part of the promotion was that I would receive XXXX points if I met XXXX spending threshold which I did. The XXXX points show on my credit card statement but are not credited to my membership. In addition, I am missing XXXX purchase points for the months of XXXX, XXXX and XXXX of XXXX. I have reached out to XXXX many times via phone calls and emails. Everytime, I speak to them they tell me they are working on it. This has been going on since XXXX and they keep giving me the run around. I have attached my bank statements from the beginning you will see the balance of points that I accumlated each month. I have also included the balances statements for XXXX XXXX account. You will see missing points for some of the months and some months are completely missing from the history. I opened this credit card in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-12-15 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments No disputed late payments for XXXX. 

Previous Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 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:
This late payment information is inaccurate and must be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
My loan is showing non payment but I was paying monthly.paymemts automatic withdrawal mouthy and all of sudden it stopped didn't realize I XXXX finished paying until I saw my XXXX lower then I noticed XXXX had me as late payments .. they didn't send a letter to XXXX or anything showing that I needed to reactivate my account. I dont think this is my fault student loan office should had sent a letter or email notifying of any issues with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NV

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-15 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: NV

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am a consumer who is attempting to correct and repair my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Equifax is reporting on my credit file.

Charged-Off Accounts Equifax is reporting the following charged-off accounts, which I dispute : XXXX XXXX Acct XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$790.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$760.00} XXXX dispute the accuracy of the balances, dates, and charge-off status of these accounts. Equifax has not provided sufficient documentation demonstrating that these accounts were properly investigated and verified. 

Hard Inquiries Equifax is reporting inquiries that I do not recognize or recall authorizing : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these inquiries and request Equifax provide proof of permissible purpose. Any inquiry that can not be fully verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago.

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-15 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:
I am writing to dispute several items on my credit report, as listed below, and request that these be reviewed and updated accordingly. I believe these entries contain inaccuracies and are impacting my creditworthiness. 


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

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