vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Vertical Screen
State: OH

Complaint narrative:
certiphi ran a background check for employment and a telephone harrassment charge from XXXX  came up on my record. This was a case that was dismissed and no charges were filed or pursued. I called the courthouse and the clerk as well as myself searched their records and there is nothing there which is correct. I brought this to the attention of the employer as well as certiphi and have had no further feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, Chase locked me out of my online banking and I'm not able to use online banking until they do a review. I'm XXXX and this is causing a hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Accounts Name : XXXX # XXXX * * - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
An inquiry from XXXXXXXX XXXX  appeared on my TRANSUNION credit report in XX/XX/XXXX. I didn't apply for credit.

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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint/Caliber Loans I opened a mortgage with Shellpoint/Caliber Loans in XXXX and they are not applying my payments correctly to my mortgage. 
1 ) When annual increases occur, they do not communicate these increases at all. They keep telling me they send letters, they do not. They have no online communication, so there's nothing in my inbox on their site. The USPS letters they claim to send don't exist. 
XXXX ) They charge late payments because I didn't know the payment increased. I have never made a late payment. They just didn't get what they stated they should, because they don't communicate annual increases in any way. 
XXXX ) On XX/XX/XXXX, they received my full mortgage payment. They then received another payment on XX/XX/XXXX and charged a late fee on that date, which they refuse to remove. ( I was attempting to move to biweekly payments rather than monthly ). As of XX/XX/XXXX, they have received more than what I owe this year, but they continue to charge late fees b/c the payments are biweekly and not monthly. 
XXXX ) Since XX/XX/XXXX, almost all my payments are categorized as " unapplied payment. '' While I have sent them more than what is due, they are not applying my payments at all, while continually charging interest, and my principal has increased, rather than decreased 5 ) They have zero online communication. On XX/XX/XXXX I spent XXXX business day minutes on the phone with them, and while the support agreed I was mischarged a late fee on XX/XX/XXXX, they refuse to remove it. I have also opened at least 10 complaints on their online messaging, but those appear to be a black hole. There's no response from anyone, just a confirmation email that says, " Thanks for contacting us! Weve received your inquiry, and well respond as soon as we can. '' It does not include my message or which department I filed with or against.

6 ) Their payment history ledger is incomprehensible by anyone. Every month there are at least 9 lines where they add the payment, remove the payment, unapply the payment, etc. No person ( including their own support ) can comprehend what is happening with my payments. 
7 ) I started XXXX with a principal of {$280000.00}. I have sent this company {$19000.00} ( XXXX XXXX ) and my principal balance is currently {$280000.00}. I understand interest & escrow, but something is wrong with their accounting as too many of my payments have been marked as " unapplied payment. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit ReporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is XXXX XXXX  correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
This is a formal notice regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and related federal statutes.

According to the FCRA, 15 U.S.C. 1681 ( a ) ( 4 ), there is a recognized need for consumer reporting agencies ( CRAs ) to uphold their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer, I am asserting my right to privacy regarding the handling of my personal and financial information by Equifax and Experianboth of which are CRAsand by any furnisher of information to them, which by definition includes financial institutions. 

Under 15 U.S.C. 6801 ( a ), financial institutions have " an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This obligation applies to all furnishers of information to CRAs.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) explicitly states that a consumer report may only be furnished with the consumers written instruction. I have not provided such written consent to Equifax, Experian, or any data furnisher to share or report my information. Any previously granted consentwhether verbal, implied, written, or otherwiseis hereby revoked.

In addition, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not share nonpublic personal information with nonaffiliated third parties unless the consumer is given a clear and conspicuous notice of the right to opt out, along with an explanation of how to do so. I was never informed of this right or provided a method to exercise it. This constitutes a violation of the GLBA.

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information in a report that is more than seven years old, except in specific circumstances such as criminal convictions. If any adverse item currently reported on my credit file predates this timeframe, it must be removed immediately. 

Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. If any information on my report is inaccurate or unverifiable, you are required to remove it. Additionally, 15 U.S.C. 1681e ( b ) requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information and to prevent violations of section 1681c. I assert that Equifax and Experian are failing in this duty.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of the disclosure of my nonpublic personal information at any time. This is my formal notice that I am exercising that right and opting out of all non-essential data sharing and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I keep getting notifications that I have applied for a loan and I didnt and it is ruining my credit and I need it to stop. Its been going on for a month now and its mostly XXXX XXXX and i need it to stop.

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 2025-05-28 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: CL Holdings LLC
State: FL

Complaint narrative:
Dear CFPB, I am formally submitting a complaint regarding Jefferson Capital Systems LLC, XXXX and XXXX failure to verify and resolve my dispute concerning ( Jefferson Capital Systems LLC ) in my credit reports. Despite three prior disputes, they have failed to provide adequate verification or a resolution, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving a dispute. If they can not verify the accuracy of the information, they are legally required to delete the item from my credit report. 

Additionally, under 15 U.S. Code 1681s-2 ( b ), furnishers of information must investigate disputes forwarded by credit bureaus. Their failure to provide verification violates federal law and constitutes negligent noncompliance under 15 U.S. Code 1681n, making them liable for damages.

I demand immediate removal of the disputed item ( s ) due to noncompliance with federal law. If this matter is not resolved promptly, I will escalate further, including legal action under 15 U.S. Code 1681p, which allows me to seek damages for willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I discovered a bankruptcy entry on my Experian credit report that I believe is inaccurate and unverifiable. On two occasions, I formally disputed this entry and specifically requested that Experian provide the method of verification as required under the Fair Credit Reporting Act ( FCRA ), 1681i ( a ) ( 6 ) ( B ) ( iii ). I asked for the name and contact information of the party who verified the record, a copy of any supporting documentation used, and the name of the third-party vendor who supplied the data, if not the court itself. 

In response, Experian gave only a vague statement that the information was certified as accurate by the reporting entity. They failed to provide any verifiable source, documents, or meaningful details about the investigation. This is concerning because the Administrative Office of the U.S. Courts has stated that bankruptcy courts do not report directly to credit bureaus. Despite this, Experian continues to report the bankruptcy without providing any documentation to substantiate it. 

I have also been denied credit and loans as a result of this public record entry, and Experians failure to verify or correct the information has caused me financial harm and distress. I am requesting that the CFPB investigate Experian 's handling of my dispute and compel them to either provide proper verification or remove the entry in compliance with FCRA requirements.

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 2025-05-28 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: Chime Financial Inc
State: NC

Complaint narrative:
My account was misuse with fraudulent transactions and on camera it was a criminal who did file a police report and provided it to the company and nothing was done. I did this over three so four times and got the same result due to chime not having English speaking and understanding agents, my request was not handled appropriately. I provide provided a police report 3 to 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-28 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:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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