vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to verify ANY of the negative accounts I disputed, and it has been well over the XXXX FCRA investigation period. Not one piece of required documentation has been provided. For the XXXX XXXX XXXX late payment ( Acct : XXXX ) you have never sent a single thing needed to verify a late payment, including the full payment history, billing statements, communication logs, or the furnishers proof showing exactly when I was XX/XX/XXXX days late. Without that, this XX/XX/XXXX late payment must be removed from all three credit bureaus immediately. For XXXX ( Acct : XXXX ) the reporting is completely inaccurate and violates FCRA and Metro-2. You have me paid on time from XX/XX/XXXX through XX/XX/XXXX, and then suddenly you hit me with a XXXX late for XX/XX/XXXX. Nothing is reported on XXXX after that month. Then for XXXX XXXX XXXX shows paid on time, XXXX  shows a XXXX late, and TransUnion shows paid on time. Then for XX/XX/XXXX, Experian shows paid on time, XXXX  shows another XXXX late, and TransUnion shows nothing consistent. These are clear Metro-2 violations and factual disputes you can not legally report XXXX different payment histories for the same account. I am demanding full removal of this account from XXXX immediately. For the XXXX charge-off ( Acct : XXXX ) XXXX only sent a generic letter saying the account was accurate, but they did NOT send the legally required verification for a charge-off : the original signed contract, itemized statements showing how the balance was calculated, a full charge-off breakdown, proof of ownership, or any documentation supporting the delinquency period. Not one item has been received, and you can not continue reporting a charge-off without validation. The same applies to the XXXX XXXX charge-off XXXX verification has been received from the furnisher. For XXXX XXXX XXXX ( Acct : XXXX ) and the XXXX XXXX  accounts ( Acct : XXXX and XXXX ) I have not received a single shred of proof required under FDCPA 809 ( b ) or Metro-2 to validate a collection : no original creditor statements, no proof of assignment, no itemized breakdown, no correspondence logs, nothing. TransUnion has continued reporting these accounts with ZERO documentation. Under FCRA 611, FCRA 607 ( b ), Metro-2 guidelines, and FDCPA, you are not allowed to report or verify accounts without supplying real evidence. Stall letters are not verification. Because TransUnion did not provide any proof for ANY account, the only lawful resolution is immediate deletion of all disputed negative items and written confirmation once 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this as a Formal Direct Dispute under FCRA 623 ( a ) ( 8 ) regarding inaccurate and unlawful credit reporting on my federal student loan account serviced by MOHELA. This letter also serves as notice of a FERPA violation, as my education loan records were mishandled and reported improperly. MOHELA reported delinquency/late payments to the credit bureaus even though my account should not have been reported as delinquent under federal guidelines. This constitutes : Reporting inaccurate information under FCRA 623 ( a ) ( 1 ) Failure to maintain accurate student loan records under FERPA regulations Failure to correctly apply federally required protections. Failure to notify me before furnishing negative information, as required under 15 USC 1681s-2 ( a ) ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My company deposited my paycheck into the wrong account on XX/XX/year>. I provided the wrong account number while setting up my Direct Deposit on XX/XX/year>. I contacted bank on XX/XX/year> to dispute the transaction. I was not provided complete information on what was needed to get the funds moved to my account for a few weeks. On XX/XX/year> my employer 's bank provided my bank with a Letter of Indemnity, but nothing was done. I never received updates or information on how the process was going or if I needed to provide additional information. I had weekly calls with my bank 's Dispute department between XXXX and XX/XX/year>. On XXXX XXXX XXXX I contacted my bank again and the action was finally escalated to Member Resolution. I was informed that the person whose account the funds were deposited to in error refused to allow the funds to be removed from their account. Although, the money was not their money, they get to keep it, according to my bank.

My employer 's back could not withdraw the funds, because they were not notified in a timely manner ; 5 business days.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I am filing a complaint regarding Barclays Bank reporting a charge-off account with an incorrect Date of First Delinquency ( DOFD ), causing the account to remain on my credit report beyond the legal 7-year limit. The account was closed due to missed payments in XXXX. Under FCRA 605 ( c ), the DOFD must reflect the first delinquency that led to the charge-off. Barclays is reporting delinquency beginning in 2019, which is not correct and constitutes re-aging of debt, violating FCRA 623 ( a ) ( 5 ).

I disputed this with all three credit bureaus, providing the correct dates, but the furnisher verified the inaccurate information. I am requesting that Barclays correct the DOFD to the original delinquency in XXXX or delete the account entirely if they can not provide documentation proving their date. This incorrect reporting is blocking me from obtaining financing for a small business.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was approved for a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX XXXX, financed through Suncoast Credit Union. The car was intended for a friend who agreed to co-sign on the car. Ultimately, the car title and insurance fell completely to me, and I was entirely held responsible for the finances. My complaint is that I should never have been approved for the car to begin with. My income is currently {$2400.00} a month, yet on the credit application it stated I was making {$5900.00} a month. XXXX XXXX never verified this, and it wasnt until the end of XXXX that I decided to surrender the car. I now face the possibility of filing XXXX XXXX XXXX  to settle the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I was recently contacted regarding a debt allegedly owed to GLOBAL LENDING SERVICE. I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
This was a fraudulent transaction, not a legitimate purchase. I approached XXXX XXXX vendor in XXXX ( {$230.00} charge from XXXX XXXX XXXX ), XXXX who was selling water bottles in a small mobile cart. The vendor verbally quoted me a price of approximately {$2.00} per bottle for 2 bottles so the total was {$5.00}. However, when I handed over my card, I was charged {$230.00} without my knowledge or authorization. I didnt sign anything. 

I did not see the amount on the payment terminal before the transaction processed, and I did not authorize a {$230.00} charge. This is a common scam in XXXX tourist areas where vendors show one price but charge an entirely different amount. 

Key facts that demonstrate fraud : No reasonable person would pay {$230.00} for 2 water bottles from a street cart The charge amount is clearly inconsistent with the goods received I was not shown the actual charge amount before payment was processed This is a known scam tactic used by fraudulent street vendors in XXXX There is no legitimate way to contact this merchant for a refund I attempted to dispute this charge immediately upon discovering it. The merchant is a mobile street cart with no physical address or contact information available. They did not give me a receipt so Robinhood Gold card didnt resolve the dispute in my favor but this is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CT

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing is moving forward with foreclosure even though I have submitted a complete loss mitigation application. Shellpoint has confirmed verbally multiple times on XX/XX/year> that all documents for my application were received and forwarded to a supervisor, but they have not marked the application complete due to internal processing delays.

They informed me the department is in overflow, and that they are backed up, but my entire loss mitigation package is fully submitted. Any delay in uploading or marking the file complete is on Shellpoints side.

Under RESPA 1024.41 ( g ), a servicer can not take any new foreclosure action after receiving a complete application. Advertising is considered a foreclosure action. In Georgia, foreclosure must be advertised once per week for four consecutive weeks, and the remaining publication can not be legally run once my application is in review.

I am attempting in good faith to resolve this, but Shellpoint will not escalate my file or confirm its complete status, despite acknowledging receipt of all documents. I have requested multiple supervisor callbacks and have not received any.

I am requesting the CFPBs assistance to ensure that Shellpoint : 1. Marks my application complete immediately, 2. Pauses all foreclosure activity including advertising, and XXXX. Provides written confirmation of the loss mitigation review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened a US Bank XXXX XXXX XXXX XXXX XXXX ending in XXXX after receiving promotional materials in the mail that if you spent {$4500.00} in the first 150 days you would be given the equivalent to {$500.00} bonus in rewards. This {$4500.00} spending requirement was met back in late XX/XX/year>. On XX/XX/year> US Bank shows that a {$500.00} credit was issued, however because the account was changed from a XXXX XXXX Account to an XXXX XXXX Account US Bank never transferred the {$500.00} promotional credit to the new account type, nor have they accurately transferred purchase credits earned since that time in the amount of {$130.00} as of XX/XX/XXXX. 

On XX/XX/year> I spoke to supervisor " XXXX '' who said that she was emailing requests to another department to get the status of the transfer of credits to my XXXX XXXX Account. She could see them in the system and confirmed that I met the requirements for the {$500.00} bonus, but confirmed that they were not transferring over correctly and were not attached to my current account. She submitted a case request for further review # XXXX She stated that this should be completed in 7-10 days and my next bill should reflect the accurate number of rewards. XXXX also verified that she could see notes in the system where I had called in the month before and attempted to resolve this with another representative, but stated that their request for resolution wasn't properly worded so she had to do it over. 

On XX/XX/year> after receiving my next statement and seeing that I was still missing over {$590.00} in points I called and spoke to supervisor XXXX in the credit card fraud and dispute department. She stated that she was also able to see all the records of the times I have called and she stated she has put in a request to escalate payment of the {$500.00} rewards directly into my US Bank checking account. She stated she was going to follow-up to check on the status in a week. I have not ever received any further communication, nor payment, nor are the rewards transferred over to my credit card yet. 

On XX/XX/year> I called and spoke to Customer Service Supervisor XXXX XXXX who also agreed she could see back on XX/XX/year> that a {$500.00} was issued, but has never been transferred to my individual account. She told me that there were no supervisors above her willing to speak to me, and that she was instructed to either wait another 30 days for them to do an investigation or to write a hard copy letter to mail to the office of the XXXX of US Bank. That there was no other help they could offer me.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I was recently contacted by XXXXVEROS CREDIT LLC regarding an alleged debt associated with the account referenced above. However, I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

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 adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report, which I believe to be inaccurate or incomplete. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have any erroneous or incomplete information removed or corrected. I request that an investigation be conducted into the following accounts and ask that any inaccuracies be corrected or deleted in compliance with the FCRA. 
Accounts in Dispute : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} o Status : Closed, Reported as a loss o Dispute : This account was reported as a loss, but I dispute the amount and status of this debt. Please provide verification of the debt, including all supporting documentation. 
XXXX. XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Sales Contract o Status : Positive o Dispute : The account status is marked as positive, but I request confirmation of the payment history as the details provided do not align with my records. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} o Status : Closed, In Good Standing o Dispute : This account is marked as closed, but there are discrepancies in the payment history. Kindly verify the payment details and confirm that this account was managed according to agreement. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} o Status : Collection o Dispute : The account was reported as a loss, and the details regarding its transfer to another lender are unclear. Please provide supporting documentation for this transaction.

Company response to consumer: Closed with non-monetary relief