vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Cancelled membership XX/XX/XXXX. Tried to delete account, was able to. But then the very next day, I was still able to log in. So I tried calling, using the chat bot, everything. It seems they wont get rid of my account and it still has all of my personal information on it. They also told me my account will be deleted once my subscription is over. They lied. Today it reset to the free plan when I wanted to get rid of the account entirely.

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 2025-08-14 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 a victim of identity theft. Several accounts were fraudulently opened or falsely attributed to me. I submitted an official identity theft report, proof of identity, and a formal written request to the credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, which requires them to block and delete such information within 4 business days of receiving the request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto Loan / Repossession )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am a victim of identity theft. Several accounts were fraudulently opened or falsely attributed to me. I submitted an official identity theft report, proof of identity, and a formal written request to the credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, which requires them to block and delete such information within 4 business days of receiving the request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto Loan / Repossession )

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 2025-08-14 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: SC

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX DEPTEDXXXX  Account Number : XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX DEPTEDXXXX Account Number XXXX XXXX  As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I purchased a house with my ex-wife. After our separation she modified the loan as a single woman. I never signed or agreed to anything. I should not be held accountable to a contract that was modified without my involvement.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment entry reported on my credit file. This information is inaccurate, as my records clearly show that all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entry that appears on my credit report for this account. Upon reviewing my payment records, it is clear that all payments have been made on or before the due date. This reported late payment is entirely inaccurate and does not reflect my actual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a Pop-Up notice on my computer on XX/XX/year> that the computer had been hacked and was infected with malware, viruses, etc. The recorded voice was on a loop and kept repeating not to turn off the computer, that would result in further infections. The Pop-Up showed it was from XXXX, even had their official logo and gave a telephone number to call immediately. I called and " XXXX '' tel # XXXX, answered saying she was with XXXX Technical support. After questions about my computer she told me her technical supervisor, XXXX XXXX XXXX # XXXX and a tel # XXXX which I used for over a week to contact him. He also gave me his employee ID # XXXX, to give to TD Bank. XXXX then told me he was connecting me to TD Bank 's fraud department on a secure telephone line, since my phone was also compromised. XXXX XXXX answered when the connection was established saying he was with the Fraud Dept. of TD Bank.

Over the next couple of days I was connected to XXXX through XXXX. Finally XXXX told me he had spoken to the FTC and they instructed him to tell me to wire transfer funds from my checking account to a " dummy '' account and then a new TD Bank account would be created. This was to protect my funds which, he said, showed from the computer information XXXX saw that XXXX withdrawals had been attempted, {$7.00}, XXXX & {$5200.00} which XXXX said they had stopped. On XX/XX/year> I wired {$9500.00} per the instructions sent via a notepad XXXX had established on my computer. On XX/XX/year> I finally realized how stupid I had been and this was a scam, they stopped answering calls. I notified TD Bank directly and went to the branch and they opened a new checking account and gave me a new Debit card and filed a fraud claim and in my name a fraud claim agtainst the receiving bank, XXXX XXXX. They will not reimburse me for the loss until the claims are investigated. I am XXXX XXXX XXXX, a XXXX patient and that is all the backup money I had left to live on for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: DE

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 2025-08-14 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:
I would like this credit account removed from my report as soon as possible as it is not my account

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 2025-08-14 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the reported balance for my XXXX XXXX XXXX  credit card ending in XXXX. My XX/XX/year> payment history shows the account was paid in full on XX/XX/year>, bringing my balance to {$0.00} with full available credit of {$500.00}. However, my credit reports ( TransUnion, Experian, and Equifax ) continue to show a balance of {$400.00} as of XX/XX/year>. 

This is inaccurate and negatively impacts my credit utilization ratio. Under the Fair Credit Reporting Act ( FCRA ), furnishers must provide accurate and updated information to credit reporting agencies. I am requesting immediate correction to reflect the {$0.00} balance. 

I have attached payment confirmations, account screenshots, and a copy of the current credit report showing the incorrect balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
I am disputing the reported balance for my XXXX XXXX XXXX  credit card ending in XXXX. My XX/XX/year> payment history shows the account was paid in full on XX/XX/year>, bringing my balance to {$0.00} with full available credit of {$500.00}. However, my credit reports ( TransUnion, Experian, and Equifax ) continue to show a balance of {$400.00} as of XX/XX/year>. 

This is inaccurate and negatively impacts my credit utilization ratio. Under the Fair Credit Reporting Act ( FCRA ), furnishers must provide accurate and updated information to credit reporting agencies. I am requesting immediate correction to reflect the {$0.00} balance. 

I have attached payment confirmations, account screenshots, and a copy of the current credit report showing the incorrect balance.

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 2025-08-14 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX : Experian Information Solutions , Inc. 

Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} balance Date Disputed : XXXX XXXX XXXX  Summary of Complaint : On XXXX XXXX XXXX I disputed the above account with the furnisher ( XXXX XXXX XXXX  ) via certified mail and with Experian. XXXX has failed to provide proper debt validation as required by the FDCPA. Despite this, Experian has continued to report the account as accurate, showing ongoing monthly payment history through XXXX XXXX Experians actions violate FCRA 611 ( a ), which requires a reasonable reinvestigation and deletion of unverifiable accounts. Experian is reporting information that the furnisher has not validated, which also violates FCRA 623 ( b ).

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 2025-08-14 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: MI

Complaint narrative:
I have tried in your organization have tried to get Experian to update information that they request. When you try to enter corrected information it says technical error and try again which I have done over and over again. I have sent a letter stating the issues and I have proven to them information that they had previously is correct and is still correct yet they keep requesting information and when you try to update it says tactical issue? How are you supposed to fix something that is unfixable? All the information was correct in the past they have technical glitches and now the information is incorrect? I have provided all the documentation they needed and yet they still do not fix it?

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 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I sent an email stating that I could not access my account. The company requested my XXXX key, which I provided ; however, I kept getting a message saying that the key is already in use. I also chatted with customer service, and they gave me instructions on how to access my account, but those instructions did not work. 

After sending the email, I did not receive a response. As a result, I am now behind by {$300.00} because they have not responded to my email. They are now threatening to report my account to the credit bureau. Additionally, I attempted to designate the XXXX XXXX XXXX XXXX, XXXX, as the school for payments, but all I was able to select was the XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
b'I formally dispute and demand immediate deletion of multiple accounts that were part of a confirmed data breach involving XXXX XXXX XXXX on or about XXXX XXXX XXXX. This breach resulted in the unauthorized disclosure of my personal, private, and financial information, in direct violation of my rights under 15 U.S. Code  1681c (2) of the Fair Credit Reporting Act (FCRA), which limits the inclusion and use of obsolete and unlawfully obtained data.\n\nAs a result of this data breach, the following accountscontaining my partial account informationhave been compromised:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nPlease consider this letter a formal dispute under 15 U.S. Code  1681i. I request that, within the statutory timeframe, you provide written confirmation that the disputed accounts have been deleted and will no longer be reported or shared with any third party.\n\nThis letter was sent via Certified Mail  Return Receipt Requested (Tracking XXXX XXXX XXXX XXXX XXXX XXXX) for confirmation of delivery.'

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 2025-08-14 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief