vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
Shellpoint did not send a payment to my insurance and they ended up charging me and my monthly payments went up. I called them to let them know on my insurance and still no payment sent and every time I talk to them they say something different and lies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
FDCPA Violations : 1692e ( 10 ), 1692f On XX/XX/year> Velocity Investments LLC received my request for a Purchase Agreement/Bill of Sale, Chain of Assignment/Custody and Forward Flow Agreement/Master Sales Agreement by Certified mail. On XX/XX/year> I received documents that appear to have my signature on them. At no time have I ever entered into any kind of contractual agreement with Velocity Investments LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have been a victim of identity theft thefore don't have access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: Comerica
State: NY

Complaint narrative:
b'Mr Vice President Please Inform Your Agents That I Have Documents That Meets The Requirements To Authenticate The Account And To Allow Me To Authenticate The Account Because Your Agents Are Not Letting Me Please Inform Your Agents That I Will Take Pictures Of The Documents That Meets The Requirements To Authenticate The Account Please Let Them Know That The Callers On The XXXX XXXX XXXX XXXX Was Me XXXX XXXX  My Email XXXX Please Inform Your Agents That If The Behavior Continues I Will Be Force To Use Evidence To Support My Claims And Calls Will Be Recorded'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Data Breach XXXX TransUnion Data Breach XXXX XXXX XXXX XXXX  Data Breach XXXXXXXX XXXX XXXXXXXX I write as a XXXX XXXX for XXXX XXXX XXXXXXXX that has experienced identity theft, my personal information was stolen during the XXXX, and XXXX  data breaches and my SSN was used as a personal gain for a scammer. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Bal. {$16000.00} : Fraud Date : XX/XX/XXXX XXXX. XXXX : Acct XXXX XXXX XXXX XXXX XXXX XXXXBal. {$33000.00} : Fraud Date : XX/XX/XXXX CREDITORS LISTED has also failed to provide the original ( wet signature ) documents, proof of identification, proof of execution, including the Deed of Trust and the Promissory Note. Such documentations are necessary

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I discovered a collection account being reported in my credit report by a debt collection company ( Midland Credit Management / Midland-related entity ). I do not recognize this account and I do not believe I owe this debt. It does not match any account or agreement that I have had with any original creditor. 

After seeing this collection on my credit report, I contacted the company in writing and requested full validation of the debt. I asked them to provide the name and contact information of the original creditor, the original account number, a copy of any contract or agreement with my signature, a complete itemization of the balance, a full payment history, and documentation showing how they obtained the legal right to collect on this debt. Despite this request, the company has not provided proper validation or sufficient documentation to prove that this debt is actually mine. 

Even though I have disputed the debt and requested validation, the company continues to treat the debt as if I owe it and continues to report it as a collection account on my credit report. This is harming my credit and causing confusion because they are attempting to collect a debt that I do not recognize and that has not been properly validated. I am filing this complaint because the company is trying to collect and report a debt that is not mine and is not providing the validation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this rig
ht and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2
( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
Victim of Data Security Breaches XXXX, XXXX Data Breach XXXXXXXX XXXX Data Breach XXXX XXXX XXXX  The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations if not removed adequately. 

XXXX XXXX XXXX XXXX XXXX  # xx : XXXX $ XXXX : XX/XX/XXXX XXXX Dept of Education/XXXX XXXX XXXX XXXX Bal XXXX {$61000.00} : Fraud : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal XXXX {$11000.00} : Fraud : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal XXXX {$290.00} : Fraud : XX/XX/XXXXXXXX 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 2025-11-16 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:
My XXXX XXXX XXXXXXXX account was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and standard credit-reporting practices, when an original creditor sells or transfers a debt, they are required to update the account to reflect a {$0.00} balance and indicate that the debt has been sold or transferred. 

However, XXXXXXXX XXXX continues to report an outstanding balance on my credit reports, despite no longer owning the account. Because the debt has been sold, XXXXXXXX XXXX is no longer the legal owner of the debt and should not be reporting an active balance. 

This inaccurate reporting is misleading, creates duplicate liability, and constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX took my money from my cash app account and cash app said they couldn't help me. I actually told cash app I didn't approve XXXX taking money from my cash app account and they said I did. That money was took around the time I was sleeping. Cash app claims I or someone I know approved blidz to take my money but that didn't happen. I was sleep when it happened. I even told cash app I don't even know what blidz is or what they do. All I asked cash app to do was get my money back and they said no. I even reached out to the blidz company, they also denied me my money. There is no proof of me setting up a membership account with the blidz company. I just want my money back. I don't want anything to do with that blidz company. PLEASE HELP ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I purchased a car in XXXX my original finance company was Honor finance, so that sold my loan to XXXX XXXX and eventually XXXX XXXX put in their subsidery company XXXX XXXX, well 54 months into the loan, after I asked for an extension in XXXX, you had to pay XXXX to get and extension, which I did, and it's reflected on my payment history, after I paid the fee XXXX days later they repossessed my car, according to their payment history, which is wrong, it states that at the time of the repossession I owed XXXX they sold the car at auction for XXXX XXXX, so shouldn't my defiency balance only been XXXX XXXX, I had that car for XXXX of the 57 months of the loan, and they have reached it to make it appear like it just happened last month, this company has been sues several times along with the fact they have and open class action law suit that was just opened in XXXX of XXXX, non of the credit reporting bureaus have taken this off of my credit report, and I feel they have broken every law under the fcea and they have not provided me with any information on how the company responded with proof that the information I sent was wrong I am requesting that they removed this account from my credit 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 2025-11-16 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: FL

Complaint narrative:
I purchased a car in XXXX my original finance company was Honor finance, so that sold my loan to XXXX XXXX and eventually XXXX XXXX put in their subsidery company XXXX XXXX, well 54 months into the loan, after I asked for an extension in XXXX, you had to pay XXXX to get and extension, which I did, and it's reflected on my payment history, after I paid the fee XXXX days later they repossessed my car, according to their payment history, which is wrong, it states that at the time of the repossession I owed XXXX they sold the car at auction for XXXX XXXX, so shouldn't my defiency balance only been XXXX XXXX, I had that car for XXXX of the 57 months of the loan, and they have reached it to make it appear like it just happened last month, this company has been sues several times along with the fact they have and open class action law suit that was just opened in XXXX of XXXX, non of the credit reporting bureaus have taken this off of my credit report, and I feel they have broken every law under the fcea and they have not provided me with any information on how the company responded with proof that the information I sent was wrong I am requesting that they removed this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
I have a chime credit builder account. On XX/XX/year> XXXX fraudulent charges came out of my account that I did not do. The amounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All these transactions came from XXXX XXXX Ar while I was at work in XXXX, Ar. I contacted Chime to dispute the charges, they have now denied my dispute and will not reimburse me. I have also sent in documentation to prove it was not me but they still have not resolved the situation. They have re opened the dispute but I need my money now. This was money for my bills. I fear they are going to deny my dispute again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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: PNC Bank N.A.
State: MI

Complaint narrative:
I accepted their offer to get a card in exchange for a {$200.00} statement credit on or about XX/XX/year>. They have to date not done so. Their Customer service stated that it would be credited on XX/XX/XXXX. It never occurred. I charged and paid about {$1700.00} within the 3 month time period as outlined in their card proposal, I fulfilled my end of the contract but they refuse honor the terms of the contract.

Company response to consumer: Closed with explanation