vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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 file a dispute concerning the accuracy of my credit report maintained by your agency. Below is a list of the accounts I am disputing, separated by each bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$8300.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$3500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$15000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$2900.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$15000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$10000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payment Accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CITIBANK, N.A.
State: MN

Complaint narrative:
We have had a Citi XXXX XXXX XXXX for a few years. One of the " Perks '' is redeeming your points for gift cards. Twice I have redeemed points for a {$100.00} gift card from XXXX. 

The first time, the card was sent it arrived within the XXXX to XXXX weeks as claimed. EVEN STILL, it should not have taken that long, but at least I received it. 

MOST RECENTLY, I ordered another {$100.00} Target card on XX/XX/XXXX and it was SUPPPOSED SHIPPED on XX/XX/XXXX. I STILL have not received it, and customer service is of NO HELP. 

Here is the issue : They supposedly offer " tracking '' but when you click " track package '' you are brought to a generic page with no way to get any tracking information. I don't care WHERE IN THE WORLD you are mailing an envelope to, IT DOES NOT TAKE A MONTH TO GET ANYWHERE! 

Second : If they are going to offer such a program and send out products that have a value, they should at least offer a reliable tracking service as almost EVERY OTHER reputable company does. It's not like CITI BANK isn't making enough money of consumers. 

CITI BANK NEEDS TO DO BETTER. 

I have just made three attempts to get them to resolve the missing gift card. 

YOUR ORDER SUMMARY Cart ID : XXXX Order Date : XX/XX/XXXX Reward Name : XXXX  Gift Card {$100.00} Points Redeemed : XXXX Quantity : XXXX Order ID : XXXX Item # : XXXX Estimated Ship Date : XX/XX/XXXX Date Shipped : XX/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 2025-12-29 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 writing to dispute the following accounts listed on my credit report that are incorrect and do not accurately reflect my credit history. I believe these items are in violation of the Fair Credit Reporting Act ( FCRA ) due to their inaccurate reporting. Please find the details of the disputes separated by each bureau below : Charged Off Accounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX Bankruptcy Court XXXX Divisional Office that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-29 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : OPPLOANS/XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Received an unsolicited credit card from PayPal/Synchrony bank without my request or authorization.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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.

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 2025-12-29 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding Shellpoint Mortgage Servicings refusal to consider me for mortgage assistance despite documented financial hardship.

My gross monthly income is approximately {$2500.00}. My documented monthly expenses total roughly {$3700.00}, resulting in a consistent monthly deficit of over {$1100.00}. I submitted a complete mortgage assistance application and an appeal, along with supporting documentation. 
Shellpoint denied my request and appeal, stating that I have sufficient income or resources and that I must be at least 60 days delinquent before they will consider loss mitigation options. I was verbally informed of this policy by a Shellpoint representative after confirming receipt of my appeal. 
Requiring a borrower to become delinquent to be reviewed for affordability assistance intentionally creates unnecessary risk of default and contradicts responsible mortgage servicing practices. My request is for an interest-rate modification to prevent future default, not payment forbearance. 
I am requesting that Shellpoint be required to conduct a good-faith loss mitigation review based on my documented income, expenses, and affordability hardship, without requiring delinquency as a prerequisite.

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 2025-12-29 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: 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 XXXX, XXXX  & TransUnion 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 2025-12-29 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: MI

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was approached by XXXX unknown men who claimed to be collecting donations for a family member who had been killed. They presented a clipboard and stated donations were limited to {$20.00} and that it was sponsored by the state of Illinois. I agreed to donate {$20.00} only. I asked if they accepted XXXX and was initially told yes, then told no. During the interaction, they took my phone and credit card and processed a charge of approximately {$5000.00} without my authorization. I did not receive any goods, services, or a donation receipt. This charge was made without my consent and constitutes theft and fraud. I felt unsafe being confronted by multiple individuals and felt pressured to provide my information. I did submit a police report on XX/XX/XXXX to further strengthen my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraudulent account reported by XXXX that I did not open, authorize, or benefit from. 

I discovered the XXXX account on my credit report and immediately recognized it as unauthorized. I have never applied for financing through XXXX, never signed any agreement, never received goods or services associated with this account, and never provided consent for this account to be opened in my name. 

This account constitutes identity theft and/or fraudulent account creation. I did not initiate the transaction, I did not authorize any third party to do so on my behalf, and I received no contractual disclosures, no billing statements, and no benefit from the alleged account. 

I have taken reasonable steps to dispute this account and protect my consumer rights, including : Reviewing my credit reports for accuracy Disputing the account as fraudulent Requesting validation and proof of authorization Despite these actions, the account continues to appear on my credit report, causing financial harm, including damage to my credit profile and unnecessary stress. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, creditors and furnishers are required to ensure that information they report is accurate, verifiable, and legally authorized. XXXX has failed to provide proof that I opened or authorized this account, yet continues to report it. 

I am requesting the following corrective actions : Immediate deletion of the fraudulent XXXX account from all consumer credit reporting agencies Written confirmation that the account has been removed and that I have no financial responsibility for it Cessation of any collection activity related to this fraudulent account I am asking the CFPB to investigate this matter and require XXXX to comply with federal consumer protection laws by correcting inaccurate and fraudulent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Upon reviewing a recent copy of my report, I discovered fraudulent accounts that do not belong to me. These accounts are negatively impacting my credit and my ability to obtain credit. I request that you remove these fraudulent accounts from my credit report 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 2025-12-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I was given a prepaid AMEX gift card on XX/XX/25. It has a balance of {$25.00} and is active, according to the online balance website provided by American Express. I have tried to use it at no less than 10 merchants, XXXX, a grocery store, restaurants, XXXX, etc. All transactions have been declined. Amex says that I'm using it " incorrectly '' but fails to identify the " correct '' way to use this gift card that is allegedly accepted at any US merchant that also accepts AmEx credit cards. This is the second time I've been given an AmEx gift card that was unusable. I will continue to tell anyone who will listen that AmEx gift cards are a complete scam.

Company response to consumer: Closed with explanation