vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a written dispute to TransUnion and XXXX XXXX XXXXXXXX demanding the immediate correction of the following inaccuracies on my credit report regarding my XXXX XXXX XXXXXXXX account ( Limit : {$500.00}, Opened : XX/XX/XXXX ) : XXXX. * * False Account Status * * - * * Error * * : Account incorrectly reported as " closed '' on XX/XX/XXXX. 
- * * Proof * * : Payment history shows XX/XX/XXXX months marked " '' ( on-time ) for XXXX. 
Last payment recorded on XX/XX/XXXX inconsistent with a " closed '' status. 

2. * * Incorrect Delinquency Reporting * * - * * Error * * : Falsely labeled " In Collections/Charge-off '' with {$660.00} past due. 
- * * Proof * * : No late payments ( " X '' ) in XXXX all months show " ''. 
" 8 % on-time payments '' claim contradicts the -marked history. 

XXXX. * * Inflated Credit Utilization * * - * * Error * * : Reported balance of {$660.00} ( 133 % of {$500.00} limit ) despite : Active payments through XX/XX/XXXX. 
No evidence of valid debt. 

* * Legal Violations : * * - * * FCRA 611 * * : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

- * * FDCPA 807 ( 8 ) * * : Misrepresenting the character/amount of debt.

* * Demands : * * - * * Immediate removal * * of : " Collections/Charge-off '' status and {$660.00} debt. 
All " X '' ( late payment ) notations for XXXX. 
- Correction to reflect : 100 % on-time payment history. 
Accurate account status ( open/closed per actual use ). 
- Written confirmation of corrections within 30 days. 

* Attached Evidence : * - Screenshots of conflicting reports ( TransUnion, dated XX/XX/XXXX ). 

* Impact : * These errors have caused : Unjustified credit score damage. 
Denial of credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I requested the debt collector to provide me with a signed agreement with me agreeing to do business. They are alleging I signed a contract with them. Ive never heard of Radius Global Solutions LLC in XX/XX/year> for XXXX Please remove 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 2025-05-10 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: PA

Complaint narrative:
XX/XX/year> I was told key bank was going to close my accounts out because I had a cashed a fraudulent check that I had let them know about. I said I had recieved a check in the mail with my name on it Im going to cash it but Im not sure if its real she told me thanks for letting her know and eventually found out that the check wasnt real. They called me and all of my accounts were frozen I couldnt use my card. I eventually had to go in the branch because they said I couldnt do this over the phone. His name was XXXX XXXX  he said that key bank said they are going to close all of my accounts out. Shocked because I have been banking with them for 7 years, anyways couldnt do anything about it. I had a loan with them for a couple XXXX dollars and I think I had about XXXX in my account I told him to pay off my loan and just give me the rest of the cash. He closed my account out right there. Ending balance was XXXX $! Months later I was looking through my voice mails and it says something along the lines of I have an over draft of XXXX at key bank? I called them and they said we sent it to collections, I told them how did you send something to collections when I closed my account at XXXX $ back in XXXX. I didnt live at the address they were sending letters to so I had not known about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I receuved a call frim my financial instutution saying there was a wire transfer trying to process out of my account. They had all my information and advised they needed to close my account and ioen a new account to keep it from coming thru. They sent code to verify they were actually frim NFCU but they took all my money XXXX when I disputed it bank and provided all documents and police report they still denied it after the appeal. I even proved that the call came from NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
In an attempt to get my payment lower per month, my request was met with a higher payment. I called and explained and they referred me to XXXX Ive filed XXXX  times to get my payment lower. It is currently more than my rent for a XXXX bedroom apartment. I can not afford that. 

Add to this, I can not get a job with my degree. Its not worth the money I owe for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: NY

Complaint narrative:
Dear Agent, I am filing this complaint regarding a serious misclassification of a debt on my XXXX  credit report. I recently received a credit report of hard inquiries I did not make including XXXX XXXXXXXX on XX/XX/year>, XX/XX/year> and XX/XX/year>. Also the XXXX XXXX  for edfinancial needs to be removed off of my credit report. This school is a making it hard for me. I really need your assistance to remove this off of my credit report. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
GS Bank USA Account Number : XXXX I am filing a formal complaint regarding GS Bank USA reporting a derogatory account on my credit report. They are not the original creditor and were never authorized by me to report on my credit file.

The original creditor is not reporting this debt, and I have not entered into any contractual relationship or agreement permitting GS Bank USA to report, access, or furnish data to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA 1681b ).

Additionally, the account has been paid in full, and continued reporting of a charge-off or collection status is both inaccurate and misleading, violating FCRA 1681s-2 ( b ) and CFPB UDAAP guidance.

I am requesting the immediate deletion of this account from all credit reporting agencies and a cease-and-desist from further reporting, or I will escalate the matter with the FTC and Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I have a residential mortgage set on autopay with Shellpoint Mortgage. Shellpoint increase the escrow amount by less than XXXX XXXX of the monthly amount. Shellpoint failed to notify homeowner of the change and assessed $ XXXX in late fees over the subsequent XXXX months. Shellpoint collected the monthly payment amounts without issue, and simply chose to keep assessing late fees. A request to Shellpoint to adjust the late fees took XXXX months for a response, in which they simply said the payments were late and ignored that they failed to provide notice of a changed monthly payment amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by thXXXX XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 bringing this to the attention of all the three credit bureau that some information on my credit report are not mine nor do I authorize them, it is important to comply with the 15 USC 1681 for fairness reporting this is my last attempt to resolve this. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am bringing this to the attention of all the three credit bureau that some information on my credit report are not mine nor do I authorize them, it is important to comply with the 15 USC 1681 for fairness reporting this is my last attempt to resolve this. 


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 2025-05-10 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:
Transunion continues violating my rights. I can not access my credit report and they continuously allow access to my report after a credit freeze and opt out. I already have another crib due to them violating my rights to trying to use illegal stall tactics and not remove inaccurate information and accounts from my report and now they dont allow me to review my credit report and state they dont know why and have fixed this reported issue. They have reported my name wrong and address refusing to fix this as well. Stop allowing companies to use my report improperly. 

XXXX XXXX is the only way my name should be displayed. 

XXXX XXXX XXXX is the only accurate address that should be on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX Account not mines. 

Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief