vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  TX XXXX Re : Formal Dispute of Inaccurate Reporting and Demand for Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal dispute and demand for correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Upon reviewing my credit report, I have identified closed accounts that are being reported inaccurately and in violation of federal law. The continued reporting of these accounts is erroneous, derogatory, and constitutes unlawful harm to my credit profile. Specifically, I dispute the following : 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 Legal Basis for Removal : Under FCRA 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the information can not be verified as accurate, it must be deleted immediately.

Under FCRA 1681c ( a ), outdated or incorrect information may not be reported.

Under FCRA 1681s-2 ( b ), furnishers of information ( creditors/collectors ) have a duty to investigate disputed information and promptly correct or delete inaccurate records.

If any of the above accounts are being pursued by a third-party collector, this letter additionally serves as a cease-and-desist demand under FDCPA 805 ( c ), 15 U.S.C.

1692c ( c ), requiring you to cease all collection activity and communication regarding these accounts. 
My Demand : I hereby demand the following : XXXX. XXXX. XXXX. That you conduct a full reinvestigation of the above accounts. 
That unverifiable or inaccurate entries be permanently deleted from my credit file. 
That you provide me with a written statement of the results of your investigation, including an updated copy of my credit report, within 30 days as required by law. 
Failure to comply with these federal requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing private legal action for damages under FCRA 1681n and 1681o.

This is your final opportunity to correct these violations without further escalation. 
Sincerely, XXXX XXXX XXXX DOB XX/XX/XXXX SSN XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute of Inaccurate Reporting and Demand for Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal dispute and demand for correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Upon reviewing my credit report, I have identified closed accounts that are being reported inaccurately and in violation of federal law. The continued reporting of these accounts is erroneous, derogatory, and constitutes unlawful harm to my credit profile. Specifically, I dispute the following : 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 Legal Basis for Removal : Under FCRA 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the information can not be verified as accurate, it must be deleted immediately.

Under FCRA 1681c ( a ), outdated or incorrect information may not be reported.

Under FCRA 1681s-2 ( b ), furnishers of information ( creditors/collectors ) have a duty to investigate disputed information and promptly correct or delete inaccurate records.

If any of the above accounts are being pursued by a third-party collector, this letter additionally serves as a cease-and-desist demand under FDCPA 805 ( c ), 15 U.S.C.

1692c ( c ), requiring you to cease all collection activity and communication regarding these accounts.

My Demand : I hereby demand the following : XXXX. XXXX. XXXX. That you conduct a full reinvestigation of the above accounts. 
That unverifiable or inaccurate entries be permanently deleted from my credit file. 
That you provide me with a written statement of the results of your investigation, including an updated copy of my credit report, within 30 days as required by law. 
Failure to comply with these federal requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing private legal action for damages under FCRA 1681n and 1681o.

This is your final opportunity to correct these violations without further escalation. 
Sincerely, XXXXXXXX XXXX XXXX DOB XXXX SSN 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 2025-09-23 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: KY

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. 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 2025-09-23 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: KY

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. 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 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 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I changed the auto pay of my mortgage to {$1400.00} on the XXXX and XXXX of each month. on the XXXX of XXXX. Shellpoint Mortgage charged my account a total of {$5100.00} for no apparent reason. After calling the company I was told that a the entire total would be refunded immediately. I received a refund of {$1400.00} and that was it. My account still shows that my payment is due XX/XX/year>. They did not credit my account for the full additional month payment or refund my money. This is causing huge problems and they are saying the refund was sent and the ticket has been closed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I am disputing an alleged debt being reported by Spring Oaks Capital SPV , LLC. 

I filed a complaint againest Spring Oaks on XX/XX/year> Complaint XXXX. 

There response to my complaint was to send a generic computer printout of a Bill of Sale and Assignment of Accounts which does not show my name or Account number. 

On XX/XX/year>, I sent Spring Oaks a 2nd Debt Validation Request via certified mail under the Fair Debt Collection Practices Act ( FDCPA ). To date ( XX/XX/year> ), they have not provided any response. 

Despite their failure to validate, Spring Oaks continues to report this account to the Credit Bureaus, which appears to violate both : FDCPA ( failure to validate before continuing collection or reporting ), and FCRA ( furnishing unverified or inaccurate information to a credit reporting agency ).

Supporting documents include : Copy of my 2nd Debt Validation Request ( with certified mail receipt ).

Copies of the Bill of Sale and Assignment of Accounts they sent to the CFPB in my first complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Line of credit frozen/blocked no explanation, tried several times by phone, still not resolved. I am always told that they will pass along my complaint/ concern, never a response from anybody, ignoring my issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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

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 2025-09-23 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  deposited a check written from my personal account from XXXX XXXX into my personal account at Citizens bank. I was advised that the funds would be on hold until XX/XX/XXXX. That date was printed on the deposit slip. My money was promptly taken from my origin account with a XX/XX/XXXX date. On XX/XX/XXXX at XXXX I called Citizens bank as the funds were still on hold. Not until then they told me that my money was on an additional hold due now on XX/XX/XXXX. They logged my complain and told me to go to the physical branch to ask for the funds to be released. On XX/XX/XXXX I was informed at the branch that they couldnt do anything to release the funds and that they would not honor the hold date that they had provided. This is impacting a highly time sensitive real estate deal that was scheduled for XX/XX/XXXX and will cause significant loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting. XXXXXXXX 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 2025-09-23 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-09-23 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Card Charge for Non-Delivered Item ( Order # XXXX ) To Whom It May Concern, I am filing this complaint against Citi Bank and the merchant, XXXX XXXX XXXX XXXX XXXX regarding a purchase I made on XX/XX/scrub>XXXX XXXX XXXX for {$8100.00} ( XXXX XXXX XXXX XXXXXXXX ). 

The merchant and shipping XXXX ( XXXX ) have failed to deliver the product to me, and Citi Bank has refused to provide permanent relief despite clear evidence of non-delivery : XXXX own documents confirm the package was scanned and signed for at my neighbors house, not mine ( see XXXX investigation documents, Appendix XXXX ). 

No valid signature exists. The Proof of Delivery provided by XXXX does not contain any actual signature image. The only entry is XXXX, which is not mine, nor did I authorize anyone to sign on my behalf ( Appendix XXXX ). 

I have supporting evidence, including a police report filed with the XXXX Police Department ( Appendix XXXX ), Citi Bank dispute confirmation ( Appendix XXXX ), and surveillance footage confirming no delivery occurred at my residence. 

Despite my repeated attempts, the merchant has refused a refund or replacement, and the bank has declined to reverse the charge, citing the sellers claim of delivery. I believe this constitutes an unfair and unlawful practice under the Fair Credit Billing Act ( FCBA ), as I never received the goods I paid for. 

I respectfully request the CFPB to : Require Citi Bank to permanently reverse this charge. 

Hold the merchant accountable for failing to deliver the product. 

Investigate XXXX failure to follow required delivery and signature procedures. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief