vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
I am filing this formal complaint regarding multiple inaccurate, unverified, and damaging entries appearing on my credit reports. These accounts violate the Fair Credit Reporting Act ( FCRA ) because the information being reported is false, unverified, and not consistent with my actual credit history. 

Below are the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status Reported : Charge-off I am formally stating that I have no knowledge of this account, have never opened or authorized it, and therefore the reporting of this charge-off is false and unverified. 

Under FCRA 602A & 611, any account I can not recognize or validate must be immediately removed. 
I am requesting complete deletion of this account from all credit bureaus. 

XXXX. XXXX Account XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Status Reported : Late Payment This late payment information is XXXX  % inaccurate. 
I have never made a late payment, and the reported derogatory history is false, misleading, and harmful. 

Under FCRA 607 ( B ), furnishers must maintain maximum possible accuracy. 
I am requesting immediate correction of this account to reflect a PERFECT payment history. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$90000.00} Date Opened : XX/XX/XXXX Status Reported : Late Payment This information is also inaccurate. I have never been late on this account. 
This negative reporting is damaging and violates the accuracy requirements of the FCRA. 

I am requesting full correction of the payment history to remove all late payments. 

Requested Action by CFPB I am requesting that the CFPB : Investigate the furnishers and their failure to comply with FCRA accuracy and verification requirements. 

Require the removal of the unverified charge-off account XXXX XXXX  ). 

Require correction of the inaccurate late-payment reporting for XXXX XXXX XXXX XXXX 

Ensure all furnishers provide documented verification, or remove/correct the reporting immediately. 

These inaccurate entries are causing severe and unjustified harm to my creditworthiness. I expect a full investigation and corrective action. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I AM A VICTIM OF MULTIPLE DATA BREACHES AND SAW THAT AN UNAUTHORIZED ACCOUNT WITH XXXX XXXX XXXX WAS ON MY CONSUMER CREDIT PROFILE AND I IMMEDIATELY CONTACTED THE POLICE AND FILED A POLICE REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Received a Checking Account Statement which shows our account still open with a XXXX dollar. The money has been moved out of the account and the account has under review and closed since XX/XX/year>. The account seems to be still open but closed for me to do anything with the account. The Statement states, " Your next statement period will end XX/XX/year> ''. The account per the bank is closed and should not be charged any fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
Im sending this because XXXX  XXXX XXXX, XXXX XXXX, and Experian, Equifax, and TransUnion are reporting multiple accounts on my credit reports that are completely inaccurate : XXXX  XXXX XXXX Account ending XXXX Charge-off, says I am an authorized user. I never agreed to be an authorized user, I do not know whose account this is, and the bank refuses to remove me. 

XXXX XXXX  Charge-off, not mine, belongs to someone with a similar name. 

Experian Account XXXX Closed, XXXX late payments, charge-off status. 

Equifax Account XXXX {$26000.00} balance, XXXX late payments, no charge-off status. 

TransUnion Account XXXX Charged off as bad debt, no payment history shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/year>, I purchased a pair of glasses from XXXX using Affirm. XXXX never shipped the glasses, and the order was cancelled. 

XXXX emailed me twice confirming that the refund for this cancelled order was issued to Affirm on XX/XX/year> ( see attached screenshots ). 

However, Affirm states they never received this refund. Affirm told me that XXXX only reversed a pending authorization, not a full refund, and that no refund was ever posted to my loan. 

Because of this error between XXXX and Affirm, the loan was incorrectly left as unpaid. This incorrect balance was later sent to XXXX XXXX XXXX for collections, even though the order was cancelled and should have been refunded. 

This situation has negatively affected my credit, since a collection account was reported for a debt that should not exist. I have spent years trying to resolve this, but neither company has fixed the issue. 

I am requesting the CFPB to investigate and require Affirm and XXXX to correct their records, apply the proper refund, remove any collection activity, and restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
I am writing to report that several accounts have been listed on my credit report under my name without my authorization, knowledge, or consent. I have never authorized or managed these accounts, and their inclusion introduces inaccurate and misleading information regarding my financial history. 

As someone who maintains a diligent approach to my credit profile, I am deeply concerned by this discrepancy. I require immediate clarification on the origin of these accounts and the party responsible for their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB XXXX XXXX XXXX for XXXX XXXX and Documentation Your Information Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Loan Number : XXXX Complaint / Request To the Consumer Financial Protection Bureau : I previously filed a complaint regarding the inaccurate reporting of my XX/XX/year> mortgage payment as late by Shellpoint Mortgage Servicing ( Loan XXXX XXXXXXXX ). I contacted Shellpoint on XX/XX/year>, and multiple times thereafter to request a forbearance due to fire and wind damage totaling {$95000.00} to my property. During these calls, Shellpoint representatives assured me that no payment would be required while my forbearance request for XXXX XXXX XXXXXXXX was processed. 

To support my dispute and provide evidence of reliance on Shellpoints assurances, I request that the CFPB require Shellpoint Mortgage Servicing to provide : All call logs and phone records for Loan XXXX XXXXXXXX, including dates and times of all calls between XX/XX/year> and XX/XX/year>. 
Any call recordings related to XXXXXXXX XXXX XXXXXXXX, including XX/XX/year> payment discussions, forbearance requests, and other account communications. 
Internal notes or communications reflecting the handling of XXXXXXXX XXXX XXXXXXXX forbearance requests and related disputes. 

These records are necessary to substantiate my complaint and demonstrate that Shellpoint failed to properly process the forbearance and inaccurately reported my XX/XX/year> payment for XXXXXXXX XXXX XXXX. 

Additionally written policy of turn around time once request is made. Also policy regarding natural disasters one declared by FEMA.

Thank you for your assistance in reviewing this matter and ensuring that Shellpoint provides complete documentation to support my dispute. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had a summons for a court appointment and wasn't able to attend. Per the court, I could contact them directly prior to the date and work out an arrangement. I had done this. They stated I had to agree to there plan and only there plan and that they would notify the courts and all lawyers and dismiss the lawsuit. I didn't want to enter into there agreement and give them access to my bank account but was told the only way this would be settled was to do this. I did this. Since then, I have received a default judgement against myself. They company refused to work with them. They wont allow me to stop payments or reduce to the amount owed even though they falsely advised opposite of what would happen. I have reached out to the lawyers that represented them and they refused to take action also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
XX/XX/year> they decreased my available credit on my usbank cards because I missed a payment due to being a government employee that was not receiving pay I called for them to fix the issue because it would effect my credit score they told me they could only run my credit which then effect my credit score more by giving a hit to my inquires I have had these cards for years and never missed a payment due to me missing this one payment they have killed my credit score because of this government shutdown

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner is illegally reporting a collection account that was already deleted from my credit report over 30 days ago. The account was removed after my initial CFPB complaint because the furnisher could not validate anything. They never provided : a signed contract a breakdown of services an itemized bill proof of any agreement proof that I owed the debt at all Now the same account has been reinserted onto my credit report WITHOUT : any new investigation any new documentation any certification of accuracy any 5-day written notice from the credit bureau ( which is required by law ) This violates FCRA 611 ( a ) ( 5 ) ( B ), which states deleted information can not be reinserted unless the furnisher certifies accuracy AND the bureau notifies the consumer within 5 days. None of that happened.

This also violates FCRA 623, because a company can not furnish information it can not validate.

The furnisher still has NOT provided any contract, agreement, service details, or billing documentation meaning the debt remains unverified and legally can not be reported.

I am demanding : Immediate removal of this illegally reinserted account from all bureaus.

Verification from the furnisher of what documentation they claim to have used to verify it.

Investigation into why deleted, unverified information was allowed to reappear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I ask for all 3 credit bureaus to correct my Name and remove all unknown addresses from my credit profile I sent a copy of my id and proof of address to all 3 bureaus but the information is still showing on my reports

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 2025-11-21 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 submitting this complaint because multiple items on my credit report are being reported inaccurately, without verification, and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items with the credit bureaus, but they continue to report incorrect information, causing serious harm to my credit score and financial stability. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address never belonged to me ; I have no residency, utility history, or any connection with this location. Reporting this as my address is a direct violation of FCRA 607 ( b ) for failing to maintain maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment The late payment being reported is incorrect. I never made any late payments on this account, and XXXX has failed to provide proper verification. This misreporting violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$53000.00} Late Payment The late payment reported is false. My payment records do not show any delinquency ; therefore the reporting violates FCRA 607 ( b ) and 623 ( b ). 
WHAT I AM REQUESTING : I request that the CFPB enforce a full investigation and require the credit bureaus and furnishers to provide proper documentation. Any item that can not be validated should be removed immediately according to federal law. 
I am experiencing financial harm, credit denials, and emotional distress due to these inaccurate and unverified entries. I am asking for your urgent assistance to ensure that the bureaus comply with the law. 
Thank you for your attention.

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 2025-11-21 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: IN

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/year>, Balance : {$460.00}

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
This is a follow-up complaint regarding XXXX XXXX continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects XXXX  to potential regulatory and civil liability.

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