vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX incorrectly charged off my XXXX XXXX account and is reporting inaccurate information to the credit bureaus. 


My XXXX XXXX account was charged off even though I had attempted to make payment arrangements and resolve the issue directly with XXXX XXXX. The charge-off status and balance being reported are inaccurate. I contacted XXXX XXXX XXXX support to dispute this, but they told me the only option was to pay and that the charge-off would not be removed or corrected. 

I believe this violates the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) because XXXX XXXX failed to properly investigate my dispute and is continuing to report inaccurate or misleading information that negatively impacts my credit score. 

I am requesting that the CFPB review this matter and that XXXX XXXX : Conduct a full reinvestigation of my dispute. 

Provide written verification of the charge-off and all related documentation. 

Correct or remove the inaccurate charge-off from my credit reports if they can not substantiate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-29 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-29 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: GA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have XXXX XXXX credit cards, ( 1 ) A XXXX XXXX card, issued by Barclays and ( XXXX ) a XXXX XXXX Credit Card, issued by XXXX XXXX  under license by XXXX. I recently sent a balance transfer payment of {$5000.00} from the XXXX card to the XXXX card. The payment did not post to my XXXX account. I contacted XXXX and was told their " credit card feature does not allow sending funds into the card '' and advised to call Barclays to ask them to " initiate a return on the transaction. '' Barclays said they could not initiate a return because the balance transfer was already processed. I am now stuck in a loop between the XXXX companies and my payment due date is coming up for XXXX. Will you please help me resolve this dispute? Barclays said they would escalate and send me a letter in XXXX weeks with an update. My XXXX credit card bill is due XX/XX/year>.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-29 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: IN

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 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 2025-10-29 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Complaint Summary XXXX Improper Reporting and Disclosure of Specialized Consumer Data XXXX  has included XXXX separate reports on my credit file that were obtained and/or shared with other consumer reporting agencies ( CRAs ) without my authorization or any permissible purpose. 

Checking Account and Demand Deposit Account ( DDA ) Activity : XXXX  initiated a request to Chex Systems for this information. 

I did not authorize this inquiry or grant permission for XXXX  to request or include this information in my credit report. 

This action involved a specialized consumer reporting agency and appears to have no permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Supplemental Consumer Credit Information : XXXX initiated a request to XXXX, another specialized CRA. 

XXXX  then allowed this information to be included in my XXXX  credit file. 

Again, I did not authorize this disclosure or inclusion. 

These combined reports covered XXXX data items across XXXX categories, spanning activity from XXXX month to XXXX years. 
In total, XXXX outside specialized CRAs ( Chex Systems, XXXX, and XXXX ) were involved, and XXXX  either initiated or permitted both reports to appear on my credit file without my consent and without a clear permissible purpose as required under 15 U.S.C. 1681b. 

This constitutes : An unauthorized use and dissemination of my consumer information, and A potential violation of the FCRA regarding permissible purpose, data accuracy, and disclosure.

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 2025-10-29 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: VA

Complaint narrative:
Complaint Summary TransUnion Improper Reporting and Disclosure of Specialized Consumer Data TransUnion has included two separate reports on my credit file that were obtained and/or shared with other consumer reporting agencies ( CRAs ) without my authorization or any permissible purpose.

Checking Account and Demand Deposit Account ( DDA ) Activity : TransUnion initiated a request to Chex Systems for this information.

I did not authorize this inquiry or grant permission for TransUnion to request or include this information in my credit report.

This action involved a specialized consumer reporting agency and appears to have no permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Supplemental Consumer Credit Information : XXXX initiated a request to Teletrack, another specialized CRA.

TransUnion then allowed this information to be included in my TransUnion credit file.

Again, I did not authorize this disclosure or inclusion.

These combined reports covered 112 data items across 42 categories, spanning activity from one month to seven years.

In total, three outside specialized CRAs ( Chex Systems, XXXX, and SYNCB/PayPal ) were involved, and TransUnion either initiated or permitted both reports to appear on my credit file without my consent and without a clear permissible purpose as required under 15 U.S.C. 1681b. 

This constitutes : An unauthorized use and dissemination of my consumer information, and A potential violation of the FCRA regarding permissible purpose, data accuracy, and disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am having a problem with cancelling scheduled recurring payments set up through Shellpoint Mortgage website. I have payments set up through bill payer from my bank. When Shellpoint mortgage tries to withdraw the payment from my account that was set up through their website, it is coming up as insufficient funds and charging me for it. Please help me call this recurring payment through Shellpoint Mtg website and reimburse me. I have contacted Shellpoint Mtg and repeatedly no one tried to help. The worst one was XXXX, and I explained to her the problem because I'm being charged an Insufficient funds fee every month. XXXX was extremely nasty. When I asked to speak with a supervisor, she quickly stated that no one was available, and she would put a request in for the supervisor to call me back. I still haven't received a call back. I placed another call to speak with a call back and still haven't received a call back.

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 2025-10-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint concerns XXXX  XXXX XXXX ( Account ending in XXXX ), which continues to report inaccurate and outdated charge-off information to XXXX  and TransUnion after XXXX  has already deleted it. 
The account was closed on XX/XX/XXXX. However, XXXX  ( updated XX/XX/XXXX ) and TransUnion ( updated XXXX ) still report a {$1200.00} balance, Profit and Loss Write-Off, and Dispute resolved subscriber disagrees, along with false derogatory marks for XXXX. 
I submitted disputes to all bureaus, and XXXX  confirmed deletion. XXXX XXXX XXXX confirmed XXXX  as the furnisher-of-record ( Case ID XXXX ), but XXXX  confirmed that it can not locate any XXXX XXXX XXXXXXXX data .

These facts show violations of FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 2 ). 
Please require XXXX  XXXX XXXX to immediately DELETE/SUPPRESS this tradeline across all CRAs ( XXXX, TransUnion, XXXX, XXXX ) and provide written confirmation of XXXX XXXX, dates, and response codes.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: UT

Complaint narrative:
On XX/XX/year> I took a payroll check into key bank and attempted to deposit it into my account and they placed a hold on the check til XX/XX/XXXX and although I have provided paystubs, time cards, a number to call to verify authorization they have refused to release them hold on my paycheck even though it has cleared and the funds went through. They have provided no real answer as to why. I have gone in and they claim its some other department and other answers thar do not line up. The banking institution is key bank and the XXXX utah location on XXXX XXXX XXXX XXXX utah

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several accounts and personal information items that are inaccurate and not being properly reported. Despite submitting previous disputes and providing documentation, these errors remain uncorrected. Some accounts are reporting incorrect payment history, balances, or account statuses, while certain personal details such as previous addresses and employer information are outdated or completely unfamiliar. I am requesting a reinvestigation to verify the accuracy of these items under the Fair Credit Reporting Act ( FCRA ). Please contact the data furnishers to confirm all reported information and delete or correct any unverifiable or inaccurate data.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief