vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, XXXX took out XXXX on the XXXX, they took out XXXX XXXX. I don't have an account with them, and their fraud departmemt would not help me at all. Didn't ask my name, ss, or anything else they could hsve researched in their systems. I amOut XXXX XXXX and need it back. 
I dint have an active XXXX account. XXXX is impersonating my ss and name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 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 ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains several unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition on reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) and because the credit reporting agency has failed to provide proof of my signed authorization or permissible purpose despite my request for a reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), these unauthorized inquiries continue to harm my creditworthiness, increase my risk of identity theft, and must be removed immediately as there is no legal basis for their continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I deposited a check for the amount of {$17000.00} and was told it would be released XX/XX/year>. Prior to the money being released my bank account was close without my funds being released or without notice. I immediately contacted the bank in person and by phone from which I was told that the check was fraudulent and that it was mailed back to the originator. The originator being the department of treasury and the irs being the person who authorized this check to be valid I contacted the irs and they have no idea of any fraudulent activity or have not ordered a stop payment for the check. It has been XXXX days and counting and vystar has not given any update on this check and refuse to speak with me about my check or the whereabouts of where it was mailed or when it was mailed or even proof if it was mailed back to the originator there only concern is why did I receive a check with such a large sum of money which isnt any business if theres to become any more involved into my personal arrangements than they have vystar is a creature of the law and shall be held to the terms of any lawful business

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 2025-11-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : TD BANK USA/TARGETCRED - XXXXXXXX XXXX XXXX XXXX XXXX Whom It XXXX Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 
XXXX XXXX Bank XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$210.00} XXXX XXXX bank XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX corporate XX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 
In accordance with the fair credit reporting act the list of accounts above violated my federally protected consumer rights to privacy. And confidentially under 15 USC 1681.

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 2025-11-17 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 
XXXX XXXX Bank XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$210.00} XXXX XXXX bank XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX corporate XX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 
In accordance with the fair credit reporting act the list of accounts above violated my federally protected consumer rights to privacy. And confidentially under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 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: NV

Complaint narrative:
I have disputed this medical collection account with Equifax multiple times. I provided specific details, including that the debt collector violated Nevada law ( SB XXXX ) by failing to provide the legally required XXXX notice before reporting, making the debt invalid. 

Each time, Equifax has responded with a generic 'verified as accurate ' without addressing my specific dispute. The FCRA requires them to conduct a reasonable reinvestigation. Simply asking the data furnisher ( the collector ) to 'verify ' the information, without reviewing the consumer 's evidence of a legal violation, is not reasonable. 

Equifax has failed in its legal duty to correct inaccurate information on my report. I am requesting that the CFPB ensure Equifax conducts a proper reinvestigation and deletes this inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit reports from the XXXX major credit bureaus Experian Below are the accounts I am disputing : Charged-Off Accounts : XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am disputing a fraudulent auto loan reported by M & T Bank in the amount of {$16000.00}. I did not authorize or apply for this loan, and I later learned that my personal information had been used without my consent to open the account. I had no involvement in this transaction, did not sign any documents, and did not receive any vehicle or funds associated with it. I am requesting that this account be thoroughly investigated, recognized as identity theft, and removed 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 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
While Awaiting Relief Remedy the Stay I am Seeking Your Assistance in working WithThe Servicer Select Portfolio Inc as a home owner please lower Mortgage payment or grant loan Modification homeowner income XXXX and other young children on the property will pay through XXXX while living on the property XXXX XXXX Bankruptcy in effect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
It is very upsetting that these inaccurate accounts are still appearing on my credit report and have not been cleared out. I am pleading for a complete review of the documents I provided so I can finally stop living with this constant worry.

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Primary Issue : Mortgage Servicer Threatening Foreclosure Without Legal Standing Servicer : Shellpoint Mortgage Servicing XXXX NewRez LLC Complaint Summary : Shellpoint/NewRez is attempting to collect on a mortgage and threaten foreclosure even though they have no legal standing to do so. They can not provide proof of ownership, they do not appear in the county land records, and the trust they claim to represent was STRICKEN by the XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX for lack of standing. 

The court docket shows : ( STRICKEN ) Alternative Loan Trust XXXX XX/XX/XXXX Case No. XXXX Shellpoints attorney letter ( dated XX/XX/XXXX ) claims authority through : XXXX XXXX XXXX XXXX XXXXXXXX, as Trustee for XXXX Alternative Loan Trust XXXX. 

However, the trust was already stricken years ago. This means the trust has no legal interest, the trustee has no authority, and Shellpoint/NewRez , as servicer, has no standing to collect or foreclose. 

A full search of the XXXX XXXX XXXX XXXX XXXX confirms : No assignment was ever recorded Shellpoint/NewRez is not listed anywhere No transfer of mortgage exists The last and only recorded mortgagee is XXXX XXXXXXXX Mortgage ( XXXX ) Despite this, Shellpoint continues to send foreclosure threats and demand letters. 

This is a violation of : RESPA ( 12 CFR 1024.35 & 1024.36 ) Federal Mortgage Servicing Rules CFPB Regulation X Wrongful foreclosure standards I am requesting that the CFPB intervene and require Shellpoint/NewRez to : XXXX. Cease all foreclosure threats XXXX. Provide full documentation proving ownership XXXX. Provide the original note XXXX. Provide the chain of assignments XXXX. Provide the identity of the true creditor Shellpoint/NewRez is attempting foreclosure without owning the loan, without proof of standing, and contrary to a prior court ruling striking the alleged trust. 

My property : XXXX XXXX XXXX, XXXX NY XXXX My account number : XXXX I request immediate investigation and enforcement action.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation