vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Transunion,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove this incorrect name from my credit report immediately. My correct\nname is XXXX XXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXXXXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-03 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-03 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: NY

Complaint narrative:
This is my second time time filing a formal complaint regarding inaccurate, unverifiable, and legally disputed negative accounts appearing on my credit reports with XXXX, XXXX, and TransUnion. Despite my prior written disputes to the credit bureaus, they have continued to report these accounts without providing any legally sufficient documentation or verification as required under the Fair Credit Reporting Act. Specifically, I requested that the credit bureaus -Conduct a full reinvestigation under 15 USC 1681ia -Provide documented validation from the original creditor or furnisher, including a signed contract or original application showing I authorized the account -Provide proof of billing and XXXX advance notice of late payment as required by 15 USC 1666b for any reported delinquencies -Disclose the method of verification used, under 15 USC 1681ia 6Biii, since the bureaus claim the accounts were verified but failed to provide supporting evidence -Delete any item that could not be verified as 100 % accurate and complete, pursuant to 15 USC 1681ia5 - Prove that the data furnishers had a permissible purpose to obtain or report my information under 15 USC 1681b, as I never gave any written authorization for these companies to access or furnish data to the credit bureaus. I also reminded the bureaus of their obligations under the XXXX XXXX XXXX XXXX and the risks of relying on unverifiable data, especially in light of massive national data breaches that have compromised millions of consumers personal information. The credit bureaus failed to comply with these legal requirements. They provided no documentation, no contracts, no billing records, and no verification method yet they continue to report these accounts. This failure to investigate and verify violates federal law and has caused substantial damage to my credit rating and financial well-being.

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 2025-10-03 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: IN

Complaint narrative:
I am writing this to formally dispute all ledge, charge off and old balances on three separate accounts I will name each account and I will provide the account number. 
XXXX XXXX XXXX Account XXXX - XXXX {$70.00} Reported Debt XXXX XXXX XXXX Account Number XXXX Amount reported {$1600.00} XXXX Account Number XXXX Amount Reported {$5000.00} These amounts are all only alleged and they are reported incorrectly according 15 US code 1681 a ( 2 ) these companies did not follow the legal requirements to report this accurately underneath the fair credit reporting act the above code that I stated states that the term consumer report does not include reports that suddenly contain information regarding transactions or experience between a consumer and the person making the report as such any transaction experience between me myself and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX should not be included on my consumer report. Ive reached out to Trans Union Equifax and experience multiple times providing correct documentation and they have done nothing.

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 2025-10-03 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Actually someone call me whom I know but not well they ask me for XXXX doller I sended and his told me like Im sending to you back in a minute and then his telling me Im not responsible for your money .what can I do I dont know I dont have more to eat food and pay my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received a payment of {$700.00} to my XXXX  account and after a couple transactions they said they deactivated my account and froze my balance and gave no reason to why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Perfect heres the * * stronger, regulatory-based version * * of your complaint. This is tailored for filing with the * * CFPB * *, XXXX XXXX XXXX XXXX XXXX, or your state * * Attorney General * *. It cites consumer protection laws to make Sofi take it more seriously : -- - * * Formal Complaint Regarding Unexplained Account Closure by SoFi * * To Whom It May Concern, I am submitting this complaint regarding the sudden and unexplained closure of my SoFi account after more than five years as a customer. 

On [ insert date you were notified ], I was informed that my account was being closed due to an alleged violation of terms. However, SoFi has failed to provide any notice, explanation, or supporting documentation despite multiple requests. I contacted both customer service and the security team, and neither department was able to provide me with a reason for this closure. 

This conduct raises serious concerns under federal consumer protection laws. Specifically : * Under the * * Fair Credit Reporting Act ( FCRA ) * *, consumers are entitled to an explanation when adverse actions are taken based on account activity or alleged violations. Closing an account without explanation may constitute a violation of these rights. 
* The lack of transparency and refusal to provide documentation may also constitute an * * Unfair or Deceptive Act or Practice ( UDAP ) * *, prohibited under the * * Federal Trade Commission Act * * and enforced by the Consumer Financial Protection Bureau. 
* As a banking and financial services provider, SoFi has an obligation to treat customers fairly, provide clear notice of adverse actions, and maintain transparent communication. 

I respectfully request that SoFi be required to : 1. Provide a clear, detailed, and written explanation of the alleged terms violation. 
2. Provide any documentation or evidence used to justify the account closure. 
3. Correct this matter by restoring my account or providing a fair resolution. 

Given the lack of transparency and the potential violation of consumer protection laws, I ask that this issue be investigated promptly and that SoFi be compelled to provide a satisfactory response in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX reported 2 accounts as delinquent when in fact they are not. One account is reporting DELINQUENT with a XXXX balancehow is it delinquent if the balance is XXXX. I have proof of on time, automatic payments from their site. Another acct is reporting delinquent with another balance which is incorrect. They have reported this to all 3 credit bureaus which is severely affecting my credit. Their XXXX number has no available reps to talk to about this. Quite frustrating. By law they can not report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
Final Demand for Debt Validation and Accountability To Whom It May Concern, I am writing to formally dispute the collection account reported under your companys name. I submitted my initial complaint on XX/XX/year>, and under the Fair Debt Collection Practices Act ( FDCPA ), you are required to respond with full validation of the debt within 30 days. That deadlineXXXX XXXX XXXXXXXX approaching quickly, and you do not have much time left to comply. 

Your recent response referencing third-party disclosure is unacceptable. You are the company reporting this debt. You are responsible for validating it. I am not waiting on a third party when you are the one placing this account under my name. 

Furthermore, you improperly closed my follow-up complaint by falsely labeling it a duplicate of my original letter. It was not a duplicate. This appears to be a deliberate attempt to suppress my dispute and avoid accountability. 

You are legally required to provide : The name and contact information of the original creditor A detailed breakdown of the alleged charges Proof of my responsibility for the account Any signed agreements or service records bearing my name You may send this documentation via email. There is no legal requirement that I wait for USPS delivery. If you can not provide full validation by XX/XX/XXXX, the account must be closed and removed from all credit reporting systems. 

This account is disputed. Do not report or continue to report inaccurate information to any credit bureau. I expect a full response within 10 business days, or I will escalate this matter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX  and the Virginia Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe may be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I request that these accounts be reviewed, and if they can not be properly verified, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was charged an extra mortgage payment in the month of XXXX due to bi-weekly payment that hit my bank account 3 times when the new mortgage company took over ( XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$1700.00}, XX/XX/XXXX {$1700.00} ). I was given a refund of {$3500.00}, but later inform that the refund was pulled from an " '' Escrow Disbursement '' fund, in which I had to pay back. Therefore, on XX/XX/24, my mortgage payments increased from {$3500.00} to {$3700.00}, bi-weekly {$1700.00} to {$1800.00}. To make matters worse, the mortgage company tried to justify the escrow account by coming up with all kinds of excuses to not refund me my money.... they said I missed payments, didn't provide proof of insurance, didn't qualify for escrow, etc. Needless to say, this is wrong on so many level and has gone on far too long, over a year of calls and complaints, which has taken a toll on my finances & my mental health. If this request doesn't resolve my issue, I will seek legal counsel.

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 2025-10-03 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-03 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-03 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: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX  XXXX XXXX XXXX XXXX XXXX  balance {$9500.00} Date Opened : XX/XX/year> Last Payment : XX/XX/year> Payment History XX/XX/year> XXXX 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX  XXXX XXXX XXXX XXXX XXXX  balance {$9500.00} Date Opened : XX/XX/year> Last Payment : XX/XX/year> Payment History XX/XX/year> XXXX 30 days

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and capable of being verified. I am formally requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted accordingly.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief