vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information being reported on my credit file by XXXX  under my legal rights provided by the Gramm-Leach-Bliley Act ( GLBA ), the Fair Inaccurate reporting results from due to date breach/ Identity theft FCRA XXXX, XXXX U.S.C. XXXX & XXXX ). 
XXXX USC XXXX ( b ) ( maximum possible accuracy ) XXXX USC XXXX ( reinvestigation requirements ) Identity theft / breach protections Mandatory deletion of unverifiable information Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 
Specifically, I am disputing the following inaccurate and/or unverifiable information :. 
ChargeOff reporting negative Unverifiable Credit/Collection Accts XXXX XXXX {$470.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXXChargeoff {$280.00} XXXX XXXX {$750.00} XXXX Bank Card {$330.00} XXXX {$1800.00} XXXX {$1700.00} XXXX  {$9800.00} XXXX  loan {$1100.00} XXXX  {$2400.00} XXXX Credit {$480.00} XXXX {$920.00} XXXX  {$1100.00} XXXX  {$1700.00} XXXX  {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I made XXXX attempts to Mr. Cooper to resolve my tax escrow and no one seems to care or bother to assist me to ensure my escrow analysis is accurate. 

On XX/XX/XXXX I contacted Mr. Cooper to advise them of the homestead exemption that would lower my tax payment. On XX/XX/XXXX, I submitted a copy of my tax bill reflecting my homestead exemption and requested that my escrow information be updated so that my monthly mortgage payment would not increase. I spoke with XXXX representatives on XXXX and XXXX who both stated they would call me back to confirm that the escrow had been updated. I never received a follow-up call. 

Despite providing the correct tax information, my recent escrow analysis was completed prematurely, before my normal annual analysis, using the higher incorrect tax amount, resulting in an unnecessary increase to my monthly mortgage payment and shortage in my escrow account. This situation has become extremely frustrating. 

I provided a screenshot from the XXXX XXXX, Texas website showing the accurate tax amount for 2025 and a copy of my tax bill to Mr. Cooper by email to their servicing department XXXX to assist in resolving the issue and as of today, my escrow account is still showing a shortage and resulted in my monthly mortgage increasing by {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because COMENITYCAPITAL/XXXX  placed a hard inquiry on my credit report without my authorization and without providing any documented permissible purpose. This inquiry is inaccurate, unverified, and causing direct harm to my creditworthiness. 

COMENITYCAPITAL/XXXX  has not complied with the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate regulatory intervention. 



XXXX. Lack of Permissible Purpose FCRA XXXX Violation A creditor may only pull a hard inquiry if they have a clear, documented permissible purpose and explicit authorization. I never applied for credit, requested services, or provided consent to COMENITYCAPITAL/XXXX. 

They have failed to produce : A signed application A service agreement Written authorization Any legitimate purpose for accessing my credit Without these documents, this inquiry is illegal under the FCRA. 



XXXX. Failure to Provide Verification FCRA XXXX ( b ) After disputing the inquiry, COMENITYCAPITAL/XXXX  has XXXX Not provided evidence of my consent Not explained why the inquiry was made Not shown any account or application tied to my name Not completed a reasonable investigation This is a clear violation of their duty to verify the accuracy of reported information. 



XXXX. Possible Misuse or Mishandling of My Personal Information Since COMENITYCAPITAL/XXXX can not verify this inquiry, this raises concern about : Improper access to my credit file Misuse of my personal information An internal error or identity confusion Negligent handling of consumer data These issues warrant immediate CFPB attention. 



XXXX. Damage to My Credit Profile The unauthorized inquiry is negatively affecting me by : Lowering my credit score Reducing my approval odds for legitimate credit applications Increasing my interest rates Causing financial harm with no valid reason I can not allow inaccurate and unverified information to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 filing a complaint because Equifax, Experian, and TransUnion have continued to report inaccurate and fraudulent information on my consumer reports despite my previous written disputes. All three credit reporting agencies claimed to have verified the accounts, but none have provided the legally required method of verification, the name of the person they spoke with, or proof that the accounts belong to me.

Some accounts are not mine, and I am a victim of identity theft, supported by an FTC Identity Theft Report. Other accounts are inaccurate, and the data furnishers have failed to provide validation despite my direct requests more than 30 days ago.

The bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), 1681i ( 7 ), and 609 ( a ) ( 1 ) ( A ) by failing to complete a reasonable investigation and failing to provide the method of verification upon request. 

I am requesting CFPB assistance in compelling the bureaus to : ( 1 ) Provide the complete method of verification or ( 2 ) Immediately delete the disputed accounts. 

The following accounts do NOT belong to me : XXXX XXXX XXXX Account Number : XXXX Included in my FTC Identity Theft Report. 

This account continues to be reported across the bureaus despite documentation of identity theft. 

Inaccurate Accounts Not Validated by Furnishers Equifax Disputed Accounts XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Experian Disputed Accounts XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Incorrect personal information : Address reported : XXXX XXXX XXXX XXXX, TX XXXX not my address TransUnion Disputed Accounts XXXX  Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  XXXX  Acct : XXXX XXXX  Acct : XXXX I cited the following laws in my letters : 609 ( a ) ( 1 ) ( A ) Right to original signed contract 1681i ( 7 ) Right to method of verification 1681n Willful non-compliance penalties 1681s ( 2 ) ( A ) Furnisher duties 621 FTC enforcement 611 Right to reinvestigation None of these rights were honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am filing a complaint because Equifax, Experian, and TransUnion have continued to report inaccurate and fraudulent information on my consumer reports despite my previous written disputes. All three credit reporting agencies claimed to have verified the accounts, but none have provided the legally required method of verification, the name of the person they spoke with, or proof that the accounts belong to me.

Some accounts are not mine, and I am a victim of identity theft, supported by an FTC Identity Theft Report. Other accounts are inaccurate, and the data furnishers have failed to provide validation despite my direct requests more than 30 days ago.

The bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), 1681i ( 7 ), and 609 ( a ) ( 1 ) ( A ) by failing to complete a reasonable investigation and failing to provide the method of verification upon request. 

I am requesting CFPB assistance in compelling the bureaus to : ( 1 ) Provide the complete method of verification or ( 2 ) Immediately delete the disputed accounts. 

The following accounts do NOT belong to me : XXXX XXXX XXXX Account Number : XXXX Included in my FTC Identity Theft Report. 

This account continues to be reported across the bureaus despite documentation of identity theft. 

Inaccurate Accounts Not Validated by Furnishers Equifax Disputed Accounts XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Experian Disputed Accounts XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Incorrect personal information : Address reported : XXXX XXXX XXXX XXXX, TX XXXX not my address TransUnion Disputed Accounts XXXX  Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  XXXX  Acct : XXXX XXXX  Acct : XXXX I cited the following laws in my letters : 609 ( a ) ( 1 ) ( A ) Right to original signed contract 1681i ( 7 ) Right to method of verification 1681n Willful non-compliance penalties 1681s ( 2 ) ( A ) Furnisher duties 621 FTC enforcement 611 Right to reinvestigation None of these rights were honored.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
They provided the numbers but each one refused to trace where my money disappeared to. When I suggested they sent it to the wrong account, PayPal said it was successful. Its on XXXX side. XXXX said they never received it. They both claimed to investigate and its been XXXX  months and no answers about where {$160.00} disappeared to. And none ever reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: CT

Complaint narrative:
XXXX Latitude illegally re-aged this account by altering my payment history after I disputed it, inserting late payments that were never reported before, changing XX/XX/year> from Current to 30 Days Late, accelerating delinquencies months earlier, and marking it Charged Off while still modifying dates. Retroactive late payments, changing delinquency timelines, and extending derogatory reporting are re-aging and prohibited under FCRA 623 ( a ) ( 5 ). These actions are false, retaliatory, and harmful, causing an immediate XXXX score drop, denials, financial loss, and emotional distress. This account must be permanently deleted for unlawful re-aging, inaccurate reporting, and consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 
The accounts below have violated my rights. 
XXXX U.S.C XXXX section XXXX. States I have the right to privacy. 
XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX U.S.C XXXX ( A ) ( a ) A person shall 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. 

Delete the accounts below : XXXX XXXX - ( XXXX ) XXXX OF XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - ( XXXX ) XXXX XXXX XXXX FIN - ( XXXX ) XXXX XXXX XXXX FIN - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX BANK XXXX XXXX XXXX ) XXXX XXXX - ( XXXX ) XXXX XXXX XXXX  - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX SERVICE - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX - ( XXXX ) XXXX XXXX - ( XXXX XXXX XXXX BANK - ( XXXX XXXX XXXX XXXX XXXX FIN - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT UNI - ( XXXX ) XXXX XXXX XXXX - ( XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX FIN - ( XXXX ) XXXX XXXX XXXX - ( XXXX ) XXXX XXXX - XXXX XXXX ) XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX FIN - ( XXXX XXXX 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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> File Identification Number : XXXX VERIFIED AS ACCURATE ; however, we updated : Last Payment Made ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. 


Dispute # XXXX XX/XX/year> Confirmation number : XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 


Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> Confirmation number : XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION * CLOSED DATE * HISTORICAL ACCOUNT INFORMATION.

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 2025-12-09 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: CA

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Transunion immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required XXXX business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer XXXX credit report and causing ongoing financial harm. Every XXXX of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

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 2025-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was sold/transferred to a new company. The new company did not apply payments made to the previous lender. The new lender applied foreclosure process without following the procedure. They also refused to provide me with a legitimate payoff amount making it impossible for me to satisfy the loan. 

They do not have a person assigned to my loan that can provide information about my status. They have held my loan in foreclosure for more than 9 months and have not provided me with the payoff amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
XXXX Mohela reported on my credit 150 days late Im currently in school and cant be charged for student loans. Delete immediately off of my credit report

Company response to consumer: Untimely response