vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I requested a payoff amount on XX/XX/XXXX from Shellpoint Mortgage Servicing. I complied with their XXXX to XXXX business processing days. Its XX/XX/XXXX. 
I Spoken with several agents I have some of their names dates and time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX telling me that the information will be sent within XXXX hours even down to an hour. 
I sent them emails in writing requesting a payoff Amount to their satisfaction. I also sent them a written letter requesting a payoff amount in a certified mailing order.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently found out that there was a account in my name for regional acceptance for a car that I never had at the age of me being XXXX I have been reaching out to the for the longest I would be on hold with them for about 2 hours still no answer they told me the account went into something called charge off cant get a hold off them this was fixed on my XXXX XXXX XXXX XXXX XXXX XXXX  I reached out to XXXX  and they said regional acceptance is giving them a hard time and they dont understand why they gave the other two credit bureaus the right to remove it except them I Have sent over police reports statements and also my ftc report this is taking a toll on my life I am only XXXX I need this handled.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
CHECKING ACCOUNTS RELIACARD - XXXX  XXXX XXXX XXXX XXXX ID XXXX {$350.00} Last active XX/XX/XXXX XXXX I wanted the option for direct deposit for unemployment, but they put everything on a reliacard. I thought I used the last deposit that was on the card, and so I shredded the card cause I thought it had a XXXX balance. I started my new job in XX/XX/XXXX. And Ive heard any communication from US Bank until this month. They are charging me a {$2.00} dollar a month fee, and not willing to refund the {$72.00} they charge me. 

The letter and the representative advised that I will be getting {$350.00} back. I spoke with XXXX and she said the most she could Refund would be {$12.00} and she advised me of the fees that were being charged on the account for the first time as of XX/XX/XXXX. I requested a supervisor and spoke to XXXX and she advise if shes putting in a request to have the fees reimbursed, but I have to wait XXXX business days till next Wednesday to call back. If they are able to waive those fees, then I can request a check. 

This is an ethical because they waited XXXX years to reach out XXXX for the first time and pocket a bunch of fees.

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 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DP OF EDUC - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} DP OF EDUC - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} DP OF EDUC - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX Attorneys at Law represents XXXX XXXX in the defense of foreclosure for a mortgage that is being serviced by Shellpoint Mortgage Servicing Loan XXXX XX/XX/year> our Firm Faxed a 6 Page Qualified Written Request and Authorization executed by the borrower XXXX XXXX XXXX Shellpoint fax # XXXX. On XX/XX/year>, our Firm called Shellpoint spoke to agent XXXX  XXXX and confirmed receipt of this request and that all correspondence is to be directed to our firm included monthly mortgage statements. On XX/XX/year> our Firm called Shellpoint and spoke to XXXX XXXX XXXX to inquire why we have not received any written communication in response to our request. XXXX XXXX apologized and advised this matter would be escalated and they are working on our response. On XX/XX/year> our Firm called Shellpoint and spoke with agent XXXX XXXX whom transferred the call to Agent XXXX ID # XXXX to follow up with the escalated response to our Qualified Written Request and was assured we would receive a response. On XX/XX/year> our Firm called Shellpoint and spoke with agent XXXX XXXX to again explain that our Firm has not received a single communication from Shellpoint and was again told that she has contacted the Escalations department to assure we would receive a response. On this phone call the Firm also requested reinstatement and payoff figures on this date. The Firm 's fax number and paralegal 's email was provided. XXXX XXXX assured the Firm that she would send the mortgage statement, reinstatement and payoff figures. Therefore from XX/XX/year> to this date not a single written acknowledgement or any type of written communication has been received from Shellpoint to XXXX XXXX at XXXX. Attachment included.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint against Equifax, Experian and TransUnion on XX/XX/XXXX for the continuous reporting of inaccurate information to my credit report. On XX/XX/XXXX, I filed another complaint [ XXXX ; XXXX ; XXXX ] ] following up with them. Each company responded stating that the information was verified and being reported accurately. ( See attached each company 's response ).

Relevant Law- 15 USC 1681S-2 ( a ) ( 1 ) ( F ), as amended by the CARES Act.

Each CRA responded that the information was " verified & reported accurately '' is a violation of the CARES Act covered period. The " covered period '' under the CARES Act began XX/XX/XXXX and extended XXXX  days after the COVID-19 National Emergency ended. Several accounts reported late payments, subsequently being charged-off during the " covered period ''. Reporting negative information violates this requirement.

The CRA 's can not simply " parrot '' the furnisher 's position. They must conduct a proper investigation of all information. In Dennis v. BEH-1, LLC, 520 F. 3d 1066 ( 9th Cir. 2008 ), the court held that reliance solely on a furnishers response without independent verification is unreasonable as a matter of law. Each CRA 's XX/XX/XXXX response demonstrates exactly that unlawful conduct- conduct the CFPB now alleges in federal court is systemic with the company. 

By refusing to address the CARES Act requirements, each CRA failed their duty under 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am providing this statement to document that I have become aware of a bank account that was fraudulently opened in my name without my knowledge, consent, or authorization. JP Morgan Chase in the amount of XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Recently I had unauthorized transactions from PayPal, and I don't owned a PayPal account. I contacted the customer service phone number and I was able to canceled one yesterday, however, the same organization says that I made another transaction from XXXX. I try to contacted the phone who sent me this, yet the person whom I called didn't help since he didn't spoke English very well and there was too much notice on the background. I am concerned right now that scammers and hackers could potentially do more harm that just opening bank accounts on name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I contacted Chase multiple times and they were not able to resolve the issue. My credit cards were closed and I was not able to redeem the rewards balance of {$740.00}. 

I have been unable to address it with customer service over the phone and over email. They are wrongly saying my accounts were closed XX/XX/year>. This is not true because I made purchases after that date on multiple accounts. They also confirmed for me the letters regarding any account closures for any of these accounts was dated XX/XX/year> so I was never notified if so. I reached out as soon as possible to help expedite a resolution and redeem these rewards. As soon as I heard this happened I reached out to their team immediately but I was not able to resolve the issue even though some supervisors were very helpful. 

My XXXX accounts that were closed in total had XXXX points worth {$740.00} in cash. 

I was told these points would be forfeited because of the bank closure of my accounts. They never gave any notice about closing my account and didnt explain what bank policy I broke to have them closed in the first place. All I want to do is redeem the rewards, I dont care to bank with Chase ever again after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. 

XXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. 

XXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.

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 2025-08-19 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: NY

Complaint narrative:
I am filing this complaint because TransUnion continues to report a XXXX XXXX tradeline ( acct ending XXXX ; opened XX/XX/XXXX ; closed XX/XX/XXXX ; current balance {$0.00} ) as a charge-off/derogatory. Core data conflicts across bureaus : TransUnion shows XXXX XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX. TransUnion has not provided the method of verification or the documents reviewed per FCRA 611 ( a ) ( 6 ) ( B ) and 611 ( a ) ( 7 ), and the DOFD required by 623 ( a ) ( 5 ) appears missing/inconsistent. Reporting a $ XXXXclosed account as a current derogatory violates 607 ( b ) s maximum possible accuracy standard and misleads lenders. I also completed and submitted an FTC Identity Theft Report to TransUnion and requested a 605B identity-theft block ; TransUnion did not address or process this request. I request a reinvestigation and production of documentary evidence ( full payment history, charge-off ledger entries, and DOFD ). If TransUnion and the furnisher can not substantiate with records, the tradeline must be deleted and any identity-theftrelated information must be blocked under 605B.

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