vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting under FCRA To Whom It May Concern : I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following account is being misreported : XXXX : EdFinancial Services Account Number : [ Last 4 Digits ] Reported Delinquency Dates : XXXX XX/XX/year> ( XXXX, XXXX, XXXX, XXXX ) This reporting is factually inaccurate and misleading for the following reasons : XXXX. Forbearance Status These loans were in an approved forbearance during the time in question. No payments were due, and therefore late payments should not have been reported. 
XXXX. XXXX Certification The U.S. Department of Education has approved these same periods as qualifying payments under the XXXX XXXX XXXX XXXX ( XXXX  ) program. I have attached a XXXXXXXX XXXX XXXX Update dated XX/XX/year>, showing these months were certified as qualifying toward XXXX. 

Because the information conflicts with official federal forgiveness certification, it is inaccurate under the FCRA. 

I request that you delete the inaccurate late payment history from my credit file immediately. 

Enclosures : XXXX XXXX XXXX  Update ( dated XX/XX/year> ) Forbearance approval documentation Copy of ID and proof of address Please reinvestigate and provide me with an updated copy of my credit report once corrections are made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account name : 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 2025-08-31 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed multiple disputes with TransUnion by phone, online chat, and mail, requesting removal of this inaccurate and unauthorized information. I specifically asked for proof of the furnisher and verification of accuracy. TransUnion did not provide this information and has refused to remove the entry. 
On [ insert most recent date ], I again escalated my dispute, citing my rights under the Fair Credit Reporting Act ( FCRA ). Under 611, TransUnion is required to conduct a reasonable reinvestigation of disputed information. They failed to do so. Under 605B, I have the right to block and remove information resulting from identity theft or unauthorized furnishing, which applies here. 
Additionally, due to the recent TransUnion data breach ( XX/XX/year> ), my personal information has already been compromised, and the continued reporting of inaccurate and unauthorized information heightens the harm to my creditworthiness and financial security. 
Despite my repeated good-faith requests, TransUnion has not corrected or removed the inaccurate bankruptcy reporting. I am requesting that the Consumer Financial Protection Bureau intervene and direct TransUnion to delete this information from my credit file immediately, as required under the FCRA.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
They have repeatedly called me every hour with different phone numbers sometimes 2-3 times in a row. They have contacted my family after trying to work out the issue with the creditor. This has happened 5 times over the course of XXXX and 3 times in XXXX. Every day my phone is blown up with texts and calls from comenity bank along with threats on legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
XX/XX/year> I recieved a letter for a repayment plan for the amount of {$3000.00} for XXXX mths to cathc up the payments, my fridge broke and I had to take {$130.00} of my mrotgage money out to purchase a new one and I filled a claim with the insurance company due to lightening strike. That claim is ongoing.I explained my hardhsip but they never told me I was approved for the forebearance which I would have taken and gotten caught up faster. The mortgage company would not accept a partial payment at any time. I want to know what my options are fully before making a decision on how to get caught up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX for XXXX and Desist & Removal To Whom It XXXX Concern : I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. The inquiry, made by Jefferson Capital Systems XXXX, was not authorized by me and is not associated with any application or account under my responsibility. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a company must have a permissible purpose to access a consumers credit file. I did not XXXX permission to your company to obtain my credit information. This inquiry therefore constitutes an impermissible use of my credit report and a violation of federal law. 



Accordingly, I demand that you : Immediately cease and desist from making any further unauthorized inquiries into my credit file. 

Remove the unauthorized inquiry from my credit reports with all credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Provide written confirmation of the actions taken to resolve this matter within 15 days of receipt of this letter. 



If this unauthorized inquiry is not removed, I will be forced to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. I also reserve the right to seek legal remedies for damages caused by your unlawful actions. 



This letter serves as a formal cease and desist notice. Any continued unauthorized access of my credit file will be considered willful noncompliance with the FCRA and will be handled accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) stating that they were attempting to collect a debt from an XXXX XXXX XXXX from Synchrony Bank. The are stating that I owe {$1700.00}. This debt has been negotiated and paid through a debt consolidation company that I used, Achieve. This was done two years ago and I do not owe any money to Synchrony Bank for this 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 2025-08-31 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: VA

Complaint narrative:
I spoke with TransUnion on last month needing them to update my report and they have yet to update my credit from XXXX to XXXX with my credit acceptance account. They told me to submit the dispute however its been over XXXX  days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I was in XXXX on XXXX at XXXX XXXX  I was charged {$960.00} USD for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I believe someone had ungranted access to my card or there was one of those fake ATM machines that charged me this amount. I have repeatedly contated my bank provider ( goldman sachs ) and they have failed to provide me with any evidence that I made this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 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: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
Unauthorized use of my credit report with second and third parties without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I'm writing about a recent purchase ( XX/XX/XXXX ) of XXXX duplexes ( property details below ) in XXXX FL, both of which are still mortgaged in the prior owner / seller 's name through Shellpoint Mortgage ( originated with Movement Mortgage, sold to Shellpoint for servicing in XXXX ). 

The Seller has transferred Title and rights, and issued a " Purchase Wrap Around Mortgage '' effective XX/XX/XXXX, however, it has come to my attention that the seller failed to proactively clear this transaction with Shellpoint Mortgage. 

After purchasing both duplexes ( which are still mortgaged in the Seller 's name through Shellpoint to this day ), unexpected financial hardship is now a factor which XXXX inhibit the ability to continue paying the seller via this " Seller Financed '' deal. 

Ive reached out to Shellpoint prior regarding this concern to no avail. Wanted to make a final attempt to remedy this situation with Shellpoint XXXX Newrez prior to contacting XXXX XXXX XXXX directly regarding options. 

Property XXXX details : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Seller 's Info ( Shellpoint Mortgage still in Seller 's Name ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX # XXXX Property XXXX details : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Seller 's Info ( Shellpoint Mortgage still in Seller 's Name ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage 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 2025-08-31 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: CA

Complaint narrative:
Subject : Furnisher and Bureau Violations Inadequate Verification and Continued Reporting I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX  ) for inaccurate and unverifiable reporting related to : XXXX XXXX XXXX Account # XXXX. 
Despite my written disputes, the furnisher only sent a generic letter claiming 'verification ' without providing required documentation such as the original signed contract, full payment history, and proof of the alleged delinquencies. This is a direct violation of 15 U.S.C. 1681i and 15 U.S.C. 1692g. 
I request that the CFPB enforce the deletion of this unverifiable account and investigate the parties involved for failing to comply with federal law. 
This continued reporting is causing me financial harm, including denial of credit and increased rates, despite the lack of verifiable evidence.

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint against Citi XXXX XXXX XXXX and its underwriter, XXXX  XXXX XXXX, for wrongfully denying my lost luggage claim in violation of their own policy terms. 

On XX/XX/year>, while traveling on XXXX XXXX, my luggage containing critical medical equipment was lost. I filed a claim with XXXX XXXX ( primary liable carrier, File No. XXXX ), and despite persistent follow-up, XXXX XXXX delayed resolution for months. Only after exhausting their process did I file with Citi XXXX XXXX XXXX as secondary coverage. 

Citi denied my claim, citing that I filed outside their 60-day window. However, Citis own benefits guide explicitly provides that claims will still be honored if it was not reasonably possible to file within that period. It was not reasonably possible for me to file earlier because XXXX XXXX required me to go through their process first, which caused the delay. I submitted documentation proving : Continuous communication with XXXX XXXX showing their prolonged delays. 
Proof of the value of the lost items, including medical equipment essential for a XXXX veteran. 
Evidence of financial hardship caused by the delay in resolution. 
Despite this, Citi/XXXX  XXXX refused to honor the exception, directly contradicting their policy.

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
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against CFPBs Handling of My Dispute Request for Reinvestigation To Whom It May Concern, I am submitting this complaint regarding the inadequate and incomplete investigation conducted in response to my previous dispute. I believe the Consumer Financial Protection Bureau failed to complete a thorough investigation and dismissed critical facts that directly impact the accuracy and legitimacy of the account in question. 

Specifically : No Valid Agreement Exists There is no contract or agreement between myself, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my request, no document has been provided that shows my authorization or consent to this alleged account. 

Failure to Provide Wet Signature and Verification Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to request all information in the consumers file, including application records and signed agreements. I specifically requested a copy of the original contract with my wet signature as verification of this account. No such documentation has been provided.

Failure to Conduct a Reasonable Reinvestigation Under FCRA 611 ( a ) ( 1 ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of disputed information. Closing the dispute without obtaining proof of a signed agreement or full verification does not meet the standard of a reasonable investigation.

Accuracy Obligations Not Met Per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information ( in this case XXXX XXXX XXXX XXXX ) may not report information they know or reasonably should know is inaccurate. Continuing to report an account without producing evidence of my agreement or obligation constitutes a violation of this section. 

It appears the CFPBs initial review was frivolous and superficial, as the most basic elements of verification and validation were overlooked. This reflects a pattern where investigations are closed prematurely without fully addressing consumer concerns. 

I am therefore requesting a full reinvestigation of this matter, with accountability measures to ensure XXXX XXXX XXXX XXXX complies with its obligations under the FCRA. If the company can not produce a signed agreement or proper verification of this account, it must be removed from my credit profile immediately. 

Thank you for your time and for giving this matter the complete review it requires. 

Respectfully, 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 2025-08-31 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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