vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
M

y father died and his home was left to me. The home was mortgaged through Shellpoint / New Rez when I took over the lien. I refinanced the loan through another company, and Shellpoint sent me the check for my escrow balance, but addressed it to my dead father. I contact them to resolve it, which was two months ago, and have not heard back. Furthermore, getting ahold of them is nearly impossible. Shellpoint owes me {$1000.00} and have not yet paid it to me after their initial mistake. They do not return phone calls, nor do they provide any other way to contact them.

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 2025-12-02 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: TX

Complaint narrative:
Experian is intentionally inflating the balance on my XXXX XXXX credit card. As of XX/XX/year>, they are reporting a balance of {$1400.00}, even though the account statement closed on XX/XX/year>, with a {$0.00} balance. I submitted the official statement as documentation, and Experian has received it, it reflects data reported by the creditor itself. 

Despite this, Experian continues to report the wrong balance, disregarding the creditors billing cycle and pulling balance data from a date of their own choosing. This is not a delay in payment posting, this is habitual, false reporting that directly violates the FCRAs requirement to report accurate and complete information. 

This inaccurate balance reporting is artificially inflating my credit utilization, which has caused significant drops in my score and is damaging my creditworthiness. Experian has failed to correct this even after being provided with clear proof. This is not the first time Ive had to file complaints for similar issues. Their repeated negligence or refusal to use verified data from the furnisher must be addressed and corrected immediately.

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 2025-12-02 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: NJ

Complaint narrative:
My Experian credit report contains multiple errors and unverifiable entries that do not accurately reflect my credit history.

1. Charged-Off Accounts ( Inaccurate / Unverifiable ) : XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX  ) Several of these appear to be duplicates or contain inconsistent information between bureaus ( dates opened, charge-off dates, or balances ). I request that Experian verify each account directly with the original creditor and remove any unverifiable information per FCRA 611 ( a ).

2. Late Payment Reporting Errors : Accounts showing late payments include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
These appear inaccurate or outdated and should be reviewed for correction or deletion.

3. Hard Inquiries ( Potentially Unauthorized ) : Experian is reporting multiple inquiries within a short period ( e.g., XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ). I did not authorize many of these credit pulls, nor did I apply for credit with all of these companies.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I noticed some inquiries that do not belong to me when I was reviewing 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 2025-12-02 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: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-02 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: NC

Complaint narrative:
I am writing to dispute the following charged-off accounts on my Experian credit report. The items listed are inaccurately reported, and I request immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX  XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX  ( Account No : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$290.00} Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) Late Payments : XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Account No : XXXXXXXX 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has unlawfully withheld {$2200.00} which not amount of {$2100.00} from my account for 10 days. During this period, I was given three separate and conflicting release dates, XX/XX/year> XX/XX/year> XX/XX/year>, which is on record in the chat support each of which passed without my funds being made available.

I repeatedly requested escalation to a supervisor or compliance officer, but support refused to identify themselves or escalate my case, citing company policy. They also refused to provide any written explanation, regulatory or legal basis, or Regulation E notice for extending the hold.

I attempted to close my account and request the release of funds, but Coinbase ignored or denied these requests, failing to meet their obligations under their own User Agreement. Their conduct constitutes : - Violation of the Electronic Funds Transfer Act ( EFTA ) and Regulation E, by withholding cleared funds without proper notice.

- Potential UDAAP violations, due to unfair, deceptive, and abusive acts or practices ( withholding funds, giving conflicting release dates, refusing escalation ).

- Breach of contractual obligations under Coinbases User Agreement requiring timely access to funds and disclosure of account restrictions.

I am seeking the immediate release of {$2200.00}, a written explanation of the hold, and confirmation that my account will be closed upon release of funds if requested. I am also requesting CFPB intervention to ensure compliance and prevent future improper withholding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Dispute this when the credit bureaus found that the is discharged and written off. The debt collector is attempting to collect this debt that's written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and potentially fraudulent collection account that has been added to my credit report by XXXX XXXX XXXX XXXX. The entry lists XXXX XXXX XXXX XXXX as the original creditor. 
I have never had, nor do I currently have, an XXXX XXXX XXXX XXXX account. The only XXXX XXXX XXXX  account I possess is for business wireless service. I have not paid for or subscribed to any television or cable service in over ten years, and at that time, my provider was XXXX XXXX XXXX XXXX. 
This collection account is erroneous and does not belong to me. I am requesting the following actions be taken immediately : Remove the XXXX XXXX XXXX XXXX collection account from my credit report.

Implement a block to ensure this account is not reinserted into my credit file in the future.

Please investigate this matter promptly and provide written confirmation of the results of your investigation. If you require any additional information to process my dispute, please let me know as soon as possible.

Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), please verify all information and remove any item that can not be fully validated. 
Charged Off Accounts : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Inquiries : ( No inquiries listed ) Late Payments : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized transaction for {$3000.00} from XXXX posted to my Apple Card ( issued by Goldman Sachs ). I immediately reported it as fraud. I did not authorize this transaction, did not receive any goods or services from it, and no one I permitted to use my card made this charge. 

Goldman Sachs denied my fraud claim without providing any evidence that I authorized the transaction. Their denial letter did not include merchant documentation, proof of authorization, device or IP logs, delivery confirmation, signature data, XXXX XXXX XXXX, or any records demonstrating how they concluded the charge was valid. 

This violates my rights under Regulation Z ( XXXX XXXX XXXX ), which requires : A reasonable investigation Disclosure of documentation relied upon And that consumers are not held liable for unauthorized transactions I requested the evidence Goldman Sachs relied on to deny my claim, but none was provided. I am now being held financially responsible for a fraudulent charge that I did not authorize. 

I am requesting CFPB assistance because Goldman Sachs is refusing to follow federal requirements for fraud investigations and is improperly holding me liable for an unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am disputing an unauthorized transaction/missing over $ XXXX from my Chime account. I reported this issue on XX/XX/XXXX. Since then, Chime has labeled my case as investigating, but I have not received any updates or a provisional credit. 

According to the CFPB : Banks must investigate claims of unauthorized transactions within XXXX business days ( or XXXX if the account is very new ). 
If the investigation takes longer, they are required to provisionally credit the account while the investigation continues. 
Banks must notify the customer of investigation results within XXXX business days of a decision. 

My case has now been under investigation for over XXXX business days, and Chime continues to give no updates beyond waiting for the merchant. This lack of communication and delay is unacceptable and not in compliance with CFPB regulations. 

I am requesting : XXXX. Immediate provisional credit for the disputed amount. 
XXXX. A clear timeline for resolution. 
XXXX. Explanation for the delay and lack of updates. 

Please investigate this matter and ensure Chime complies with federal regulations regarding unauthorized transactions and customer notifications. 

Account XXXX : Name : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with monetary relief