vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of a collection account that has been reported on my credit file. The account in question is not mine and is the result of identity theft. I am a victim of fraudulent activity, and under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, I am requesting an immediate investigation and removal of this inaccurate item

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 2025-08-19 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) for reporting inaccurate and unverifiable information to XXXX concerning the following account : Creditor : Portfolio Recovery Associates Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Balance : {$470.00} Date Opened : XX/XX/year> Last Reported : XX/XX/year> Status : Collection/Charge-Off Comments : Placed for Collection Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or incomplete information. PRA is reporting this debt as a collection/charge-off without providing validation or proof of ownership. 
FCRA 609 / 611 I have a right to request full verification of this account. PRA and XXXX have failed to provide a signed contract, itemized statements, or legal documentation proving the debt is valid and collectible.

FCRA 607 ( b ) XXXX is required to follow reasonable procedures to ensure maximum possible accuracy. Yet the account is reported with : No supporting payment history Contradictory coding ( Collection/Charge-Off with no past due amount ) Potential FDCPA Violations If PRA purchased this debt , they are required under the Fair Debt Collection Practices Act to provide validation upon request. None has been provided.

Harm Caused : This derogatory entry has lowered my XXXX  score significantly.

Ive been denied credit opportunities and faced higher interest rates.

The stress of dealing with unverifiable negative reporting has caused emotional and financial harm.

Relief Requested : I am requesting the immediate deletion of this Portfolio Recovery Associates account from my XXXX credit file because : PRA has failed to provide legal validation of the debt. XXXX is publishing unverified, inconsistent, and incomplete information in violation of FCRA 607 ( b ). 
Continuing to report this account without verification is unlawful and materially harmful. 
I have attached my dispute letter, proof of identity, proof of address, and annotated credit report excerpt for review. 

Thank you for your prompt attention and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
DEPARTMENT OF EDUCATION NO LONGER ARE HOLDING MY STUDENT LOANS AND THEY HAVE BEEN TRANSFERRED TO A COMPANY NAME XXXX. TRANSUNION, EXPERIAN AND EQUIFAX MARKED ALL XXXX ACCOUNTS REPORTING LATE FORM XXXX, XXXX, XXXX XXXX  DAYS LATE WHICH IS UNFAIR MISLEADING AND INACCURATE IF THEY NO LONGER HAVE THE ACCOUNTS I INFORMED ALL THREE CREDIT BUREAUS AND PROVIDED PROOF BUT THEY REFUSE TO REMOVE THE LATES I ONLY HAVE A RELATIONSHIP WITH XXXX WHO ARE THE NEW LENDERS OR COMPANY REPSONSIBLE FOR THIS ACCOUNT.I EVER BEEN LATE AND PER XXXX THEY TRANSFERED ONLY 30 DAYS AGO BUT THE DEPARTMENT OF EDUCATION RPEORTED ME LATE FOR XXXX, XXXX, XXXX, AND 120 DAYS THIS IS UNFAIR AND HURTING CREDIT WORTHINESS, PLEASE ASSIST ME WITH THIS MATTER I NEED HELP DUE TO THE MISLEADING OF INACCURATE REPORING 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 2025-08-19 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: MO

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MO

Complaint narrative:
I have sent multiple letters with no response. These accounts are not verified and should not be on my credit report. This is a defamation to my character.

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 2025-08-19 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Escalation Request Ongoing Issue with Case # XXXX and Threatening Correspondence Received Dea

r Shellpoint Mortgage Co . I am writing to express my continued concern re
garding Case # XXXX which remains unresolved. Instead of being corrected, the issue has escalated further due to the mortgage company misapplying my payment, which has led to additional incorrect charges on my account. 

To make matters worse, I have now received multiple threatening letters, which I have attached for your review. These communications are extremely distressing and unwarranted, given that the issue stems from an error on your end. 

I spoke with your representative XXXX XXXX on XX/XX/year>, at XXXX XXXX Pacific Time, and was given confirmation number XXXX for our conversation. While I appreciated the opportunity to speak with someone, I have yet to see any corrective action or resolution following that call. 

I am requesting the following : Immediate review and correction of all misapplied payments and removal of any resulting charges. 

An explanation in writing regarding how this error occurred and what steps are being taken to ensure it does not happen again. 

Immediate cessation of all threatening communications related to this matter until it is fully resolved. 

Please escalate this issue to a supervisor or appropriate department, and respond at your earliest convenience with an update. 

Thank you for your urgent attention. 

Sincerely, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XX/XX/2025. {$400.00} was deposited into my XXXX XXXX  account. Someone had my info & withdrew the money from my account. I dont know how this happened without my authorization & Ive never found a solution. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Complaint Summary : I placed an order with XXXX XXXX on XX/XX/year>. The items were not delivered by the expected delivery date, and customer service could not provide a timeline for fulfillment. I canceled the order due to the non-delivery. 
Despite the cancellation, the charge remains pending on my bank account. I have been in ongoing communication with both the merchant and my bank to have the charge reversed, but no resolution has been made after XXXX months. This pending charge is now affecting my credit and causing unnecessary financial hardship. 
I am seeking the immediate cancellation of the pending charge and a formal acknowledgment from both XXXX XXXX  and my bank.

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 2025-08-19 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:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and conflicting information reported on my credit report regarding my account. Upon recent review of my credit reports during my home loan application process, I was shocked to find that late payments were reported, which I strongly dispute. I have never missed or been late on a payment for this account. Furthermore, the tradeline contains conflicting information : The Account Rating states Paid As Agreed, The Payment History shows a 60-day late, The 30/60/90 Day Late section only reflects a 30-day late not a 60-day. These inconsistencies are clear indicators of reporting errors and are severely impacting my credit scores. As a result, my ability to qualify for a mortgage is now in jeopardy. Attached is a copy of my credit report with the discrepancies. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate. The current reporting fails to meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
They repeatedly used aggressive tactics to make me pay a debt that is not mine. I asked for proof of debt and once they realize its not mine wont provide any information or way to stop getting it reported on my credit. I disputed the account and they keep reporting it after it gets taken off. They have been informed and are aware that this is not my debt but refuse to remove it from my credit unless its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I opened up a Sofi checking account.

Advertised : SoFi is offering a bonus of up to {$300.00} for new and existing customers who set up direct deposit into their SoFi Checking and Savings account. To qualify, you need to set up a qualifying direct deposit and have it post to your account within a specific timeframe. You can earn the full {$300.00} bonus for receiving {$5000.00} or more in direct deposits within the promotion period. SoFi will credit members who meet qualification criteria within XXXX ( XXXX ) business days of the end of the XXXX XXXX Bonus Period. 

My boss deposited {$5000.00} ( I get paid every XXXX months as it is freelance work ) & it has been over XXXX  months since my boss direct deposited the money ( XX/XX/XXXX it hit my account ) & I have not received the {$300.00} bonus. I have contacted Sofi over and over again and they said it is because you did not deposit more times ( but they never said I had to deposit a paycheck in again and again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
This reported item is uncharacteristic of my payment record and may be inaccurate. Please investigate and update my report.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-19 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 are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-19 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: AR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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