vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
Someone has been using my personal information to try to obtain credit without my consent, Inquiries for credit accounts such as XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XXXX, other XXXX XXXX XX/XX/year>, Inquiries at several unknown addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Other employers were used as well, XXXX and 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 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
Hello, I have been banking for decades and have never encountered such basic disregard for the accountholder. From day 1, the Statement ( U.S. Mail ) arrived many several days late ( such that any corresponding payment sent would be late ). 

They have repeatedly sent late statements via the US Mail. Although there are other options to pay ( as per online ), that is a particularly high burden for the poor or working people. For example, if I send a payment to them via US Mail and it does not post within the allotted time period ( as has happened due to a late statement ) -- where will I come up with a second payment for them ( as like a second online payment to meet the deadline )? ( They do not opt to return the first payment when this happens, as well. ) As you can see, this situation -- effectively denying prompt payment -- hamstrings the customer, such that an overdue notice/fee or reduced credit rating could be the potential result. ( Once, they sent a rather rude notice of payment coming in too close to the deadline but did not acknowledge any fault in sending a late statement. ) I find it very disgusting. Moreover, the company has 3 mailing addresses! 

Could you please look into this unfair business practice as I have experienced it for about 1 year -- fairly consistently? 

Thank you, X ( signed but asked to withhold name in instructions )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/year>

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 2025-07-31 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : CAP * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} INQUIRIES : XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, a charge of {$1100.00} was fraudulently made on my Chase credit card through the XXXX  XXXX XXXX XXXX. I did not authorize this transaction, nor did I receive any package or product from XXXX  XXXX. I immediately reported the charge to Chase and filed a fraud claim. 

Chase initially denied the claim, citing information from the merchant ( XXXX  XXXX ) indicating the package was delivered to the address on file. However, I never received any such delivery, and I repeatedly informed Chase of this. 

In an attempt to resolve the issue, I also contacted XXXX  XXXX directly. In their email response, XXXX XXXXXXXX stated that the chargeback process had been closed but also explicitly advised me to contact my bank to reopen the dispute if I believed it was closed in error. They added that they would fully cooperate with the bank if the case was re-opened. 

Following this, I contacted Chase again and requested a reinvestigation based on this new correspondence from the merchant. Despite my efforts, Chase once again denied my request, stating that the transaction is valid and that they would not review the case further unless I provided new information. However, the email from XXXX XXXX was new information, clearly showing their willingness to assist further. 

I believe Chase has failed to properly investigate this claim and has unfairly held me responsible for a transaction I did not authorize. I have done everything in my power to cooperate and resolve the matter, including communicating directly with the merchant and submitting multiple appeals. 

I am seeking assistance in holding Chase accountable and recovering the {$1100.00} that was charged fraudulently to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

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 XXXX ( XXXX ) 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 explanation
Consumer complaint received 2025-07-31 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 am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-31 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 want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are placing a heavy burden on me and continue to affect my life in deeply significant ways. In these already difficult times, correcting or removing these inaccuracies would truly be a tremendous relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX Account # : XXXX Consumer Reporting Agencies Involved : Experian, XXXX XXXX What happened : I am filing a formal complaint against XXXX XXXX for knowingly furnishing inaccurate, misleading, and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations. 

The original loan was for {$16000.00}. However, XXXX claims to have charged off {$18000.00}, which is over {$2300.00} more than the loan amount. This raises major concerns of fraudulent accounting, inflated balances, and unlawful interest or fee stacking. 

They are now reporting a remaining balance of {$10000.00}, yet failed to provide any validation, balance breakdown, or auction sale records after multiple dispute attempts. Their XX/XX/XXXX letter falsely states no prior disputes were received even though I have proof one was submitted months ago. 

They also stated the account was placed under cease and desist in XX/XX/XXXX, but Experian records show continuous monthly updates and charge-off reporting from XX/XX/XXXX to XX/XX/XXXX. That is continued collection activity and a direct contradiction of their own claims. 

Furthermore, despite reporting a charge-off of over {$18000.00} and declaring it as a profit/loss write-off, they have not issued a XXXX as required by the IRS. If they claimed this as a loss for tax purposes without notifying me or the IRS, it XXXX constitute federal tax fraud. 

I am experiencing serious credit damage, financial harm, and emotional distress due to this false reporting and lack of compliance. I have already filed with the FTC and am now requesting : Requested Resolution : XXXX. XXXX deletion of this account from all consumer reporting agencies XXXX. Full documentation of the auction sale, charge-off breakdown, and internal accounting XXXX. Issuance of a XXXX for the charged-off balance as required by law XXXX. Investigation into XXXX Financials compliance with IRS, FCRA, and FDCPA regulations XXXX. Referral to the IRS for fraud investigation if they claimed a charge-off without proper filing This company is willfully misreporting and using deceptive practices to harm my credit profile, while violating multiple federal laws. I am seeking full deletion and appropriate legal enforcement.

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 2025-07-31 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX Account # : XXXX Consumer Reporting Agencies Involved : XXXX XXXX, TransUnion What happened : I am filing a formal complaint against XXXX XXXX for knowingly furnishing inaccurate, misleading, and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations. 

The original loan was for {$16000.00}. However, XXXX claims to have charged off {$18000.00}, which is over {$2300.00} more than the loan amount. This raises major concerns of fraudulent accounting, inflated balances, and unlawful interest or fee stacking. 

They are now reporting a remaining balance of {$10000.00}, yet failed to provide any validation, balance breakdown, or auction sale records after multiple dispute attempts. Their XX/XX/XXXX letter falsely states no prior disputes were received even though I have proof one was submitted months ago. 

They also stated the account was placed under cease and desist in XX/XX/XXXX, but Experian records show continuous monthly updates and charge-off reporting from XX/XX/XXXX to XX/XX/XXXX. That is continued collection activity and a direct contradiction of their own claims. 

Furthermore, despite reporting a charge-off of over {$18000.00} and declaring it as a profit/loss write-off, they have not issued a 1099-C as required by the IRS. If they claimed this as a loss for tax purposes without notifying me or the IRS, it may constitute federal tax fraud.

I am experiencing serious credit damage, financial harm, and emotional distress due to this false reporting and lack of compliance. I have already filed with the FTC and am now requesting : Requested Resolution : 1. Immediate deletion of this account from all consumer reporting agencies 2. Full documentation of the auction sale, charge-off breakdown, and internal accounting 3. Issuance of a 1099-C for the charge
d-off balance as required by law 4. Investigation into XXXX Financials compliance with IRS, FCRA, and FDCPA regulations XXXX. Referral to the IRS for fraud investigation if they claimed a charge-off without proper filing This company is willfully misreporting and using deceptive practices to harm my credit profile, while violating multiple federal laws. I am seeking full deletion and appropriate legal enforcement.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc.
State: AR

Complaint narrative:
A few days back the internet was blowing about things that they were taking away not only adult content games but also horror drama thing that are psychological and other types of games even though they are legally to buy and purchase but the payment processors like XXXX XXXX XXXX I've just decided to just block all that and threaten the online stores like XXXX XXXX XXXX  & others

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : PRS * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been in touch with Best Buy and talked with a supervisor. The supervisor said that there is no promise that the decision will be overturned and that I may just have to take this as a {$150.00} mistake and that Best Buy will wash their hands of it.

I have tried to explain this to the Fraud department and to customer service, but it is getting confusing and people do not understand what information to include. I was contacted in XXXX by text message that a delivery could not be completed by XXXX. At the time, I was expecting a diploma for graduating college so I fell for the same. I put my information in the, what appeared to be XXXX website, but it was not XXXX and I looked it up online and there have been people that have been appearing to have a legitimate website, but it is not. They received my name, address, email, and Best Buy Credit Card information. 


I then received an email a couple days later that there was a charge made on XX/XX/year> for the amount of {$150.00} at XXXX XXXX for XXXX XXXX. These dining bundles were purchased online, not by me. The person who bought these put my name and email address in as the purchaser, but they put in their phone number, which ends in XXXX. My phone number does not end in XXXX. These purchases were not made by me. I have never been to XXXX XXXX. I live in Ohio, XXXX XXXX is in Pennsylvania. 

I have never been to XXXX XXXX. I did not make these purchases. These are fraudulent charges. I do not understand how Best Buy can be getting it so wrong.

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 monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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