vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-16 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Fully paid off the loan early XXXX of this year to TFS ( Toyota Financial Services ) in the amount of {$24000.00}. Which included all the late fees and everything. After that I was told by TFS that I would receive the title in 3 weeks, but in late XXXX Toyota decides to the title under their name and sends it to Indiana, which results in cancellation of my registration in Florida. After a few dozen calls from me they sent lien satisfaction letter to me, which my local DMV is not recognizing because of the current title being out of state in Indiana. I called Indiana XXXX, where answer was that the Title is still under Toyota and only they have to reissue me the title.But Toyota keeps telling to check next week and next for several weeks now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Under 15 U.S.C. 1681b Unauthorized Reporting of Account Account Number : XXXX Dear XXXX Dispute Department, I am writing to formally dispute the reporting of a credit card account that appears on my XXXX credit report, listed under account number XXXX with a credit limit of {$14000.00}, opened on XX/XX/XXXX, and now marked as closed. 

I never gave written authorization or consent for this account to be opened or reported to any consumer reporting agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes and with proper authorization. This account was added to my report without my knowledge or permission, and therefore constitutes a violation of the FCRA. 

I am requesting that XXXX  : XXXX. Immediately investigate and delete this unauthorized account from my credit file. 
XXXX. Provide me with the method of verification and documentation showing I authorized the reporting of this account. 

Please conduct your investigation within the XXXX  days required by law. Enclosed are copies of my government-issued ID and proof of address to verify my identity. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-16 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:
I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$41000.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$41000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$520.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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: NJ

Complaint narrative:
Permanently delete the following unauthorized accounts and inquiries from my credit report, as they are the result of identity theft and were not initiated or approved by me : XXXX XXXXXXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Block all identity theft-related data within XXXX business days as required by XXXX U.S.C. XXXX, since I have submitted all necessary documentation including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

Provide written confirmation that these items have been removed and blocked from my credit file. 

Send me an updated, corrected copy of my credit report reflecting these changes. 

If the companies involved are unable to provide verifiable proof of my authorization for these accounts or inquiries, they are legally obligated to delete them under FCRA XXXX ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year>, around XXXX XXXX  to XXXX XXXX, I used a Bank of America ATM at XXXX XXXX XXXX XXXX, XXXX, OK XXXX to make a cash payment directly to my credit card ending in XXXX. I inserted my credit card into the ATM and began depositing cash, all in {$20.00} bills. 

During the process, the cash got stuck inside the machine. I was able to pull a few bills back out, but the rest was swallowed by the ATM. I had brought enough cash to pay my credit card in full, so after the incident I immediately counted the remaining cash in my hand and confirmed that I was short by {$1000.00}. 

The bank later credited only {$23.00} from this transaction, even though all my bills were $ XXXX, which makes no sense. This shows that part of the cash was recognized, but the remaining {$1000.00} was never credited. This confirms there was a malfunction or internal error, which is why I have asked for a full ATM balancing report, reject bin report, and surveillance footage. 

I immediately contacted Bank of America customer service and clearly explained that this was a credit card payment, not a checking account deposit. I asked multiple times for them to check the branch and ATM surveillance footage for that time frame, which would clearly show my car and the entire deposit process. I also requested that they verify the ATM balancing report and the reject bin to check for stuck cash. 

Bank of America opened a first claim but handled it incorrectly as a checking account deposit with the wrong date range. That claim was denied. I opened a second claim under the correct credit card account, but again the bank failed to provide any clear balancing report, reject bin record, or camera footage. After more than two months, I only received vague letters saying they could not find the money. 

I strongly believe there was an internal error or mishandling during the ATM cash retrieval. I am requesting that Bank of America refund the missing {$1000.00} to my credit card account or provide full documentation and camera evidence proving the funds were never received. 

This situation has caused me serious stress and inconvenience, and I need CFPBs help to resolve this fairly.

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 monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, need to be removed from my credit report. XXXX XXXX XXXX is the only name that should be on 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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I have been trying to resolve major issues with Shellpoint Mortgage Servicing regarding my home loan. Ive lived in my home since XXXX. Shellpoint is the current servicer, but they are unable to produce the full loan history prior to XXXX. When I requested the complete payment history going back to the loans origination, Shellpoint claimed XXXX XXXX  had the records. XXXX, however, directed me back to Shellpoint. Neither has produced the full loan data. 

I submitted a formal RESPA Request for Information asking for the full life-of-loan history, payoff amount, and all documentation related to assumption or modification. I also asked for confirmation that the co-borrower ( XXXX XXXX ) was discharged from the debt through XXXX  XXXX bankruptcy in XXXX. I received incomplete responses, and the missing records raise serious doubts about the validity of the debt. 

Despite making payments over nearly two decades, the principal balance has not gone down it has actually increased, which is highly suspicious and indicative of servicing errors or predatory lending practices. Shellpoint is now reporting a disputed, inflated amount to credit bureaus and has initiated foreclosure. A sheriff sale is scheduled for XX/XX/XXXX. 

I filed motions in court and have initiated an appeal, but Shellpoint continues to move forward. This has caused extreme financial and emotional stress. 

I am seeking CFPBs help to ensure Shellpoint : 1. Produces the full loan history from origination ( XXXX ) 2. Stops foreclosure until the debt is properly validated 3. Removes any inaccurate credit reporting 4. Issues a corrected payoff figure based on verified 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, need to be removed from my credit report. XXXX XXXX XXXX is the only name that should be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, need to be removed from my credit report. XXXX XXXX XXXX is the only name that should be on 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
They have failed to verify the debt and thier lack of time accountability, thier response was die XX/XX/year> that was the XXXX  day timeline. Please delete off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian P.O. XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Under 15 U.S.C. 1681b Unauthorized Reporting of Account Account Number : XXXX Dear Experian Dispute Department, I am writing to formally dispute the reporting of a credit card account that appears on my Experian credit report, listed under account number XXXX with a credit limit of {$14000.00}, opened on XX/XX/XXXX, and now marked as closed. 

I never gave written authorization or consent for this account to be opened or reported to any consumer reporting agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes and with proper authorization. This account was added to my report without my knowledge or permission, and therefore constitutes a violation of the FCRA. 

I am requesting that Experian : XXXX. Immediately investigate and delete this unauthorized account from my credit file. 
XXXX. Provide me with the method of verification and documentation showing I authorized the reporting of this account. 

Please conduct your investigation within the XXXX days required by law. Enclosed are copies of my government-issued ID and proof of address to verify my identity. 

Sincerely, 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