vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Today. Friday, XX/XX/XXXX. I received a Sofi email saying my account has irregular activity and I need to contact them. I did. Before I did I tried to change password and maybe thought I had a security issue. I never got an email to change password so I called the security team. After XXXX minutes of waiting I finally got someone. They then gave me to the head of security and said I violated the user agreement and when I asked which violation I was simply ignored and was told my account will be closed. This joke of a bank is ridiculous and I see others online having issues with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Im still seeing inaccurate accounts on my credit report, and despite my efforts, they havent been removed. This is extremely frustrating. Im asking that you carefully review the documents Ive attached so I can finally put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate child support accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. These are not loans or credit accounts, yet Experian lists them with balances, delinquencies, and monthly payments.

Equifax does not report any such accounts, proving Experians data is inacc

urate and unverifiable, violating FCRA 1681e ( b ), 1681i, 1681b, and 1681c. I disputed this, but Experian marked it resolved by data furnisher without proper verification.

This inaccurate reporting harms my credit, housing, and employment, and violates 42 U.S.C. 1983. Reporting government obligations as credit is deceptive and unconstitutional. 

I demand deletion of all child support accounts and written confirmation.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with JPMCB CARD or any of the affiliates. I have confirmed and advised JPMCB CARD that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how JPMCB CARD approved a credit under my name, without doing any further review and confirmation. Given the fact that JPMCB CARD has the right to investigate and obtain all necessary information prior to approving any credits, JPMCB CARD has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, JPMCB CARD must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that JPMCB CARD must comply with prior to approving any credit card/lines to anyone. Pursuant to JPMCB CARD 's online advertisement, JPMCB CARD encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from JPMCB CARD stating that my information was used or attempted to be used in order to open an account. Thus, JPMCB CARD has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, JPMCB CARD violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for JPMCB CARD to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
I submitted a certified dispute package on XX/XX/year>, regarding a repossession account reporting inaccurately on my credit report. I requested full documentation to verify the validity of the repossession per FCRA 611 and FDCPA 809, including original contract, chain of custody, notice of default, repossession order, and deficiency statement. 

As of today, no validation has been provided and the account continues to report. This is a violation of my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2025-08-02 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: DISCOVER BANK

Complaint narrative:
I am disputing approximately {$5000.00} in unauthorized charges on my Discover credit card ( ending in XXXX ), the majority of which occurred after I reported fraud and received a replacement card. 

I originally authorized a single charge to a company called XXXX, but I did not authorize any recurring charges that followed. They also promised to refund the original {$990.00} charge, but never did. I neglected to monitor my account closely at the time, and by the time I noticed, I had been charged $ XXXX repeatedly, without my consent or awareness. 

In addition, I was charged by XXXX XXXX XXXX XXXX, a company I do not recognize at all, and by a company listed as XXXX, which made three unauthorized charges for {$1400.00} each. 

I reported this to Discover months ago, but they rejected my dispute. Their explanation was that their internal subscription feature allows merchants to continue billing even after a new card is issued - meaning that fraudsters were somehow able to use my new card number. 

I later requested stop-payments to block further transactions, and Discover confirmed it would apply only to specific merchant IDs and charges under {$300.00}. That did not prevent high-dollar charges like the ones from XXXX XXXX XXXX. 

I have no active agreements or subscriptions with any of these companies, and I never received any goods or services from them. These were unauthorized charges made without my knowledge or consent. 

Despite acknowledging some of this in writing ( see attached correspondence ), Discover closed the investigation and reinstated the charges, leaving me with a balance I do not owe. 

My current balance is approximately {$4500.00}, made up almost entirely of these fraudulent charges. I am requesting that Discover : 1. Remove these charges from my account 2. Cease all collection efforts 3. Correct any negative credit reporting associated with this situation Ive made every good-faith effort to resolve this directly with Discover. I spent nearly two hours on the phone, transferred between 10+ different departments, trying to resolve this. ( A screenshot of the call length is attached. ) The attached documents reflect only a very, very small part of the dispute, but show that I proactively reported fraud, attempted stop-payments, and was dismissed without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with AMEX or any of the affiliates. I have confirmed and advised AMEX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how AMEX approved a credit under my name, without doing any further review and confirmation. Given the fact that AMEX has the right to investigate and obtain all necessary information prior to approving any credits, AMEX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, AMEX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that AMEX must comply with prior to approving any credit card/lines to anyone. Pursuant to AMEX 's online advertisement, AMEX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from AMEX stating that my information was used or attempted to be used in order to open an account. Thus, AMEX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, AMEX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for AMEX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
CFPB complaint against Shellpoint Mortgage /NewRez My wife and I are current Shellpoint Mortgage Servicing customers. We had a bankruptcy approximately 15 years ago, and at the time, our attorney did not educate us about the impact of not reaffirming our mortgage. We continued paying our mortgage every month, unaware that not reaffirming could lead to future payment history being excluded from our credit reports. 

In 2020, we entered into a loan modification agreement. Since that modification, we have never missed or been late on a single payment. In fact, weve had the mortgage set to auto-pay from our checking account for the past three years to ensure consistency and reliability. 

Despite this, our payment history is not being reflected on our credit reports, and our mortgage tradeline is either missing or does not show our positive payment history. I contacted the credit bureaus, and they advised me to speak with Shellpoint. I then contacted Shellpoint, who informed me that because the mortgage was not reaffirmed after bankruptcy, they are not required to report it. 

This situation has left us stuck. We're making our {$1200.00} mortgage payment every single month, Shellpoint is receiving it without fail, but there's no credit benefit or positive history being reported, which directly impacts our credit scores and ability to secure future financing. It feels unfair and unbalanced that a servicer receives full payment but is not required to report that responsible activity. 

We are not disputing the bankruptcy or the past. We are simply asking for fairness moving forward. After the 2020 modification, we've done everything right. We want our excellent post-modification payment history to be acknowledged and reported so that our credit reflects the responsibility we've demonstrated. 

We respectfully ask the Consumer Financial Protection Bureau to review this matter and help us obtain : Written acknowledgment from Shellpoint that all post-modification payments have been made on time. 
Accurate reporting of our mortgage payment history to the major credit bureaus, reflecting at least the past 36 months. 
A formal resolution so that our responsible behavior is no longer erased from our financial record.

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 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, a large deferred interest charge was posted to my XXXX XXXX XXXX account. I had enrolled in a promotional financing offer, under the impression that interest would not be charged as long as timely payments were made. I was not clearly or reasonably informed that failure to pay the full balance by the end of the promotional period would result in retroactive interest charges from the date of purchase. 

Although a form of warning may have appeared on past monthly statements, it was hidden behind confusing acronyms and language that required further research. In addition, the calculation of the interest and clear terms of the penalty were located on page XXXX of my statement, buried well after the itemized invoice and routine cardholder disclosures. This is far beyond where the average consumer would reasonably be expected to read for critical financial terms. The way this information was presented made it extremely easy to overlook. 

I only discovered the deferred interest charge recentlyover 3 months laterwhen reviewing my statements more closely. I immediately contacted customer service, but the representative offered no assistance or explanation and escalated me to a supervisor without offering any goodwill accommodation. The supervisor similarly declined to reverse or reduce the charge. 

I believe the lack of a clear, proactive warning that interest was about to be assesseddespite the significant financial impactwas deceptive and contrary to fair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information been exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complain, copy of NPD report showing my data being exposed in a national data breach, copy of report Equifax confirming my data being exposed in their data breach, bill confirming my current address, and a validation of debt letter.

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