vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In XXXX, I lost my job and had fallen behind in payments on my XXXX XXXX XXXX. In XXXX, I was able to get my payments current with a customer service representative, who I also attempted to set up auto payment with. On XX/XX/year>, my truck was repossessed because my new automatic payments didn't go through. 

Ally failed to accurately notify me that the car was in process of repossession and is now trying to charge me addition fees. My credit has additionally taken unnecessary damage, I have not been able to get to work, and a buyout of my lease is now prohibitively expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
My student loans are currently through Mohela. They incorrectly added interest to my account during the 0 % interest save forbearance. I have sent emails through their website and contacted via phone, and they have not corrected my account. I have previous loan statements and text files with correct loan principal and interest amounts saved from when the save forbearance started.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-07-09 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: NY

Complaint narrative:
FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies. 
The accounts in question are : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This letter was sent certified seven different occasions. Since XXXX. 

Date : XX/XX/year> To Whom It May Concern, I am writing to demand the removal of four ( 4 ) late payments reported on my paid-in-full mortgage account XXXX XXXX XXXX XXXX account XXXX XXXX This mortgage was legally addressed in my divorce decree, and I was no longer the party responsible for the payment.

Additionally, the mortgage has been fully satisfied, and there is no ongoing debt or delinquency.

You are reporting inaccurate, outdated, and damaging information. I am demanding that XXXX XXXX : 1. Immediately remove all late payment notations from my credit report.

2. Submit updated tradeline corrections to Equifax, XXXX, and XXXX.

If not resolved within 10 business days, I am prepared to : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) - Engage legal counsel for violations of the Fair Credit Reporting Act ( FCRA ) - Notify the Office of the Inspector General for the Department of Defense, as this issue has implications for my financial se Attached is my divorce decree and documentation confirming full payment of the loan.I expect immediate resolution and confirmation that this account has been corrected. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
Unauthorized purchase from XXXX XXXX was posted my Chime credit builder card went through at XXXX on XX/XX/year>. I called chime and let them know it was fraudulent I do not have XXXX  never have had them and had nothing to present because I did not do the transaction. I replaced my card changed my password and they denied my dispute claiming the transaction was valid. They have requested a police report to even re open the dispute claim again. I have never had to go through these lengths to get something disputed with any other company but Chime wants to be difficult. They could not even tell me the merchant phone blunder or address so that I could call them myself and inquire. They did not even take into consideration that I have no history of ever paying XXXX  at all on my accounts ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-09 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and/or inquiries. Please remove this item. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and/or inquiries. Please remove this item. They are hurting my ability to obtain 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 2025-07-09 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: AZ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX 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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, PayPal suddenly limited my account without any prior warning. I had over CHF XXXX ( about {$1500.00} ) in my balance from a legitimate transaction related to the sale of a guitar. I received no detailed explanationonly a generic message that I had violated PayPals Acceptable Use Policy. I repeatedly asked them to explain what rule was broken and how, but I never got a real answer. Instead, they said the funds would be held for 180 days.

This money was crucial for me to pay for urgent medical treatment. PayPals decision caused not only financial damage but also emotional distress. I believe this is unfair and potentially abusive behavior from a financial service that operates globally.

I am requesting that the full amount of CHF XXXX be released to me immediately and that PayPal be held accountable for these unexplained account limitations and fund withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), I previously requested verification of the stated debt on 3 occasions. I acknowledge receipt of the information identifying the original creditor and documentation indicating their authority to collect the debt however they continue to ignore my requests for providing a full accounting of the debt amount claimed, nor have they supplied a signed agreement or contract bearing my signature that confirms my legal obligation to pay the alleged amount.

These are essential components of proper debt verification under the FDCPA, and until I receive them, this debt remains disputed and unverified. As such, I believe they should be forced to cease all collection activities including reporting this debt to credit bureaus, until full verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My parents bought this house in XXXX. My mother died in XXXX, my father in XXXX. I tried to keep up with the mortgage payments, as I am the only beneficiary and I live in the house in question.

I ended up having to file bankruptcy to save the house. At the time I filed bankruptcy, Shellpoint Mortgage Servicing bought out XXXX XXXX XXXX XXXX XXXX who had the mortgage. 
I made every bankruptcy payment on time and never missed one. I eventually got a letter saying that the deed was clear and the Loan was satisfied. I passed this on to my bankruptcy attorney, he said he looked into it, it was legit and my bankruptcy ended, I even got money back for over payment. My bankruptcy attorney assured me that I didn't have any more payments, no house payments no bankruptcy payments nothing.

I started looking into house insurance and couldn't get it because the deed was in a banks name. So I looked into it. It was at that time that I was informed that the house was under foreclosure and was set to be sold. I contacted my bankruptcy attorney, I contacted Shellpoint and their attorney and all anyone would say was that I had to file bankruptcy again for a second time. Between the bankruptcy ending and finding out about the foreclosure I didn't receive any payment notices, any delinquent notices or foreclosure notices.

So, feeling backed into a corner and being told that I had no other option, I filed for bankruptcy again.

When my parents did the Loan modification in XXXX with XXXX, which was the last modification they did, the amount of the loan was {$310000.00}. The mortgage payment was {$1400.00} a month. I took that {$1400.00} multiplied it by 13 years, the years between the modification and the year my mother died, and it came to {$210000.00}. Subtract {$210000.00} from {$310000.00} and you get {$96000.00} left to be paid on the loan. Shellpoint is saying that I owe {$310000.00}!! How is this possible?? I think they are trying to get me to pay the entire {$310000.00} all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Company violation 7 day calls and now is call friends and family. Promise on Friday to pay but still to harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable late payment ( s ) being reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as furnished to one or more credit reporting agencies TransUnion ). Despite multiple attempts to resolve this matter directly, the information continues to be reported without legally sufficient validation and in clear violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Details of Violation : The alleged late payment ( s ) have been disputed in writing to both the credit bureaus and the original furnisher.

Neither party has provided any of the federally required supporting documentation, including : Advance billing statements showing 21-day notice prior to delinquency ( TILA requirement ).

Full payment ledgers.

Complete Metro 2 coding to validate date of delinquency and payment status.

Affirmative proof that the account and alleged late payments are mine and are being reported with accuracy, completeness, and timeliness.

This is a direct violation of the following federal laws : 15 U.S.C. 1681i Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

15 U.S.C. 1666 ( TILA ) Billing and notice requirements.

15 U.S.C. 1681n Willful noncompliance with FCRA, entitling me to statutory damages of {$1000.00} per violation.

Additionally, their failure to provide verifiable proof after receiving a written complaint suggests either negligence, data mismanagement, or willful disregard for federal consumer protection laws. The continued reporting of this unverifiable derogatory information has caused harm to my creditworthiness, created barriers to financial opportunities, and exposed me to reputational damage.

This complaint is being submitted in good faith, but I will not hesitate to pursue additional remedies in small claims court under 15 U.S.C. 1681n if this issue is not resolved promptly. I am entitled to statutory damages, and I am prepared to file additional complaints with the FTC, State Attorney General, and other appropriate regulatory bodies if necessary.

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