vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
Hi there, Here are the activities involved with my efforts to repay a loan now in the hands of XXXX and XXXX, a collections agency located in XXXX XXXXXXXX XXXX as set forth herein. 

On XXXX XX/XX/year> I received notification that the loan is now in the hands of the aforementioned agency. That day, I immediately made many attempts to speak with them. Most times their voicemail capacity were not turned on. 

XXXX XX/XX/year> I sent a certified letter to them giving them a history of my attempts to speak with them and my desire to address the matter. Although they received my letter on XXXX XXXX, I have yet to hear back from them. 

On XXXX XXXX, 2025 I a notice from the XXXX XXXX XXXX XXXX XXXX I am being sued by XXXX and XXXX as the plaintiff and to respond by XXXX XX/XX/year>. 

On XXXX XXXX I notified the court clerk of all my attempts to resolve the matter amicably and quickly. 

Additionally I wrote to the loan holder requesting an investigation into my account and the conduct of its collection agencys On XXXX XX/XX/year> I was notified the loan holder turned the matter back to XXXX and XXXX. 

Would you kindly look into this matter, please. 

With kind regards and thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Received fake bank letters Requested for bank to reimburse my account accordingly based on all hotel transactions from XXXX due to the fake bank letters and photo copied bank statemwnts that were mailed to my home address. Copies sent were not original.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] To Whom It May Concern : This letter is being sent to you in response to a collection account you have reported or communicated regarding an alleged debt. Be advised, this is not a refusal to pay but a request for validation and verification of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I formally request that you provide the following : 1. A copy of the original contract or agreement bearing my signature, showing that I have a legal obligation to pay the alleged debt. 
2. A complete itemized accounting of the alleged {$190.00} balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. The name and address of the original creditor, along with a detailed history of the account. 
5. Documentation that shows this debt has not been paid, settled, or discharged.

Be advised that until you provide this documentation, you are not legally permitted to continue collection activities, report this account to credit reporting agencies, or sell the debt to another agency. Doing so would be a direct violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e ( 8 ) ( reporting false or disputed information to a credit bureau ).

Furthermore, if you are already reporting this account to any of the credit bureaus, it must be flagged as disputed by consumer immediately, per FCRA 623 ( a ) ( 3 ) 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
You have 4 days from the receipt of this letter to provide proper validation. If you can not validate this debt, you must : * Cease all collection activity, and * Immediately remove any negative reporting related to this account from all credit reporting agencies. 
Please note that any attempt to collect a debt without proper validation is a violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal remedies under the FDCPA and FCRA. 
Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Ensure compliance with 15 U.S. Code 1681g by deleting the disputed accounts within the appropriate time limits.

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 2025-10-13 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: IN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has caused ongoing emotional and financial distress.

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 2025-10-13 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I am filing this complaint against my credit card issuer for engaging in unlawful and abusive practices. 

Excessive and Usurious Interest Rate My account has been charged an annual interest rate of 35.9 %, which I believe to be exorbitant and potentially unlawful under federal and state consumer protection laws. This rate is far beyond what is considered reasonable or competitive in the current marketplace and has caused me severe financial hardship. 

Improper and Illegal Monthly Fees In addition to the excessive interest, my account has been assessed excessive annual fees in the amount of {$99.00} and {$150.00} ( which increased without notice ) which are improper and unlawful. These fees are not clearly disclosed and appear designed to increase my balance unfairly. 

Failure to Address Fraudulent Charges For several months, I have attempted to dispute and report fraudulent charges on my account to metropolis parking in XXXX XX/XX/year> XXXX and XX/XX/year> XXXX. Despite repeated attempts to contact customer service, my concerns have gone unaddressed. The company has failed to investigate or reverse these fraudulent charges, leaving me liable for transactions I did not authorize. 

Failure of Customer Service and Complaint Handling The credit card issuer has made it nearly impossible to reach a representative capable of resolving these issues. My requests have been ignored, and no formal acknowledgment of my disputes has been provided, contrary to the protections guaranteed by the Fair Credit Billing Act ( FCBA ).

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 2025-10-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XX/XX/year>, I was forced to enter into a forbearance agreement with Shellpoint Mortgage XXXX XXXX to a financial hardship. The forbearance period lasted XXXX months, for which I was approved. At the conclusion of that period, I qualified for a deferment, allowing the deferred amount to be added to the end of the loan. 

In addition to the deferment, I made a substantial payment toward the loan at the end of the forbearance period. I then made XXXX partial monthly payment before selling the property. The proceeds from the sale fully satisfied the remaining balance of the mortgage. 

Despite fulfilling all obligations and paying off the loan in full, my credit score dropped significantlyfrom the XXXX to XXXX. I have made multiple attempts to contact Shellpoint Mortgage XXXX to address this issue, but have not received a response.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-10-13 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: KS

Complaint narrative:
Equifax Failed to Provide Method of Verification Under FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I disputed XXXX or more inaccurate items on my Equifax credit report. Equifax later responded that the information was verified as accurate. Under FCRA 611 ( a ) ( 7 ), I requested the method of verification, including the name, address, and telephone number of the furnisher of information and the procedure used to verify the data. Equifax failed to provide a full response within the required XXXX business days, or provided a vague response that did not include the verification details required by law. I am requesting that the CFPB ensure Equifax provides a complete and detailed method of verification as required by the Fair Credit Reporting Act. Disputed Item ( XXXX ) : [ Creditor Name XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX / Date Opened XX/XX/XXXX / Type of Error ; Data Breach, Inaccurate Information ]. Ive attached copies of my original dispute, XXXX response, and my follow-up request for the method of verification. I want Equifax to comply with FCRA 611 ( a ) ( 7 ) by providing the specific method of verification, including the name, address, and telephone number of the furnisher, and a detailed description of how the item was verified. If Equifax can not verify with documentation, I request the deletion of the item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital more than once they promised to mail me a regular credit card in the mail, to me not digital card. They refuse to mail to me it happened on two phone occasions.They promised to send me my credit card and didnt. I told them dont lie to me, are you sending me the card or not. They said they would but they didnt. I was still in the same address and had the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Act in accordance with 15 U.S. Code 1681g by deleting disputed accounts within the required timeframe.

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 2025-10-13 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
This letter serves as formal notice that you must immediately cease and desist from engaging in the following conduct : [ Briefly describe the behavior or action e.g., making false and defamatory statements about me online, using my copyrighted material without permission, harassing me via text messages, etc. ] Your actions are unauthorized, harmful, and unlawful, and they have caused and continue to cause damage to my reputation, well-being, and/or business interests. Please be advised that I consider this behavior to be a serious violation of my rights. 

I demand that you : 1. Immediately stop all [ specific behavior, e.g., defamatory, harassing, or infringing ] actions.

2. Remove or retract any offending materials, statements, or communications.

3. Provide written assurance within [ 10 ] days from the date of this letter that you will refrain from such actions in the future.

If you fail to comply with this demand, I will have no choice but to pursue all available legal remedies including, but not limited to, seeking injunctive relief, monetary damages, and recovery of attorneys fees without further notice. 

This letter constitutes my final warning before legal action is initiated. Please govern yourself accordingly.

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 2025-10-13 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. 

Account : 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