vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: VA

Complaint narrative:
This problem is with XXXX XXXX card. I applied for and activated while doing an addition on my home in XXXX. Soon thereafter, I lost my employment, which means I had no money coming in with a bunch going out due to the construction. XXXX not disputing the hardship I experienced which resulted in me having to sign up with a credit counseling agency. Suggested to me by XXXX. XXXX XXXX. ( I later found out that its a company developed by XXXX. Which to me seems like its not set up for the consumer as it would still take me several years to pay off my balance under the agreement made ) I was approved to move forward with them and restructure my payments to stop my past due balance from becoming a charge off account. I appreciate that they were willing to do this with me from the get-go. Not tailored to me but a path forward at least. However, once the negotiations took place and I had my agreement with XXXX XXXX who had reached out and made an agreement with XXXX. I started making payments to them. They drafted from my bank account. At that time I was given receipts of successful payments, and that was the extent I had to take it. It was either XXXX solutions responsibility or chases to document these in their files. 

On my credit report, I have three months worth of late payments that are pretty derogatory for the month of XXXX, XXXX, and XX/XX/XXXX. I have tried to dispute this with supporting documentation and came up short with regards to the credit bureau and XXXX saying that their information is accurate. XXXX XXXX core solutions gives me excuses and I get nowhere. Once or twice they were rather rude actually and talk to me in a derogatory fashion. However, I asked for my payment activity to be sent to me again, and I downloaded it. This should be sufficient and supports my claim that I paid those months fees that were agreed on and I would like them wiped off my credit report as soon as possible as Ive been trying to do this for over a year now. 
As a matter of fact, Ive made extra payments and Ive brought my balance down substantially. It would be very nice if this could be reflected on my credit as the way its been handled makes me feel like a degenerate. I lost my job while building an addition on my home and I couldnt make payments for 120 days. Its as simple as that and not once have I wavered from payments or anything that has to do with my bills since. Yet I still have an under XXXX credit score and mostly due to 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 2025-06-10 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: VA

Complaint narrative:
This problem is with XXXX XXXX card. I applied for and activated while doing an addition on my home in XXXX. Soon thereafter, I lost my employment, which means I had no money coming in with a bunch going out due to the construction. Im not disputing the hardship I experienced which resulted in me having to sign up with a credit counseling agency. Suggested to me by XXXX. XXXX XXXX. ( I later found out that its a company developed by XXXX. Which to me seems like its not set up for the consumer as it would still take me several years to pay off my balance under the agreement made ) I was approved to move forward with them and restructure my payments to stop my past due balance from becoming a charge off account. I appreciate that they were willing to do this with me from the get-go. Not tailored to me but a path forward at least. However, once the negotiations took place and I had my agreement with XXXX XXXX who had reached out and made an agreement with XXXX. I started making payments to them. They drafted from my bank account. At that time I was given receipts of successful payments, and that was the extent I had to take it. It was either XXXX solutions responsibility or chases to document these in their files. 

On my credit report, I have three months worth of late payments that are pretty derogatory for the month of XXXX, XXXX, and XX/XX/XXXX. I have tried to dispute this with supporting documentation and came up short with regards to the credit bureau and XXXX saying that their information is accurate. XXXX XXXX core solutions gives me excuses and I get nowhere. Once or twice they were rather rude actually and talk to me in a derogatory fashion. However, I asked for my payment activity to be sent to me again, and I downloaded it. This should be sufficient and supports my claim that I paid those months fees that were agreed on and I would like them wiped off my credit report as soon as possible as Ive been trying to do this for over a year now. 
As a matter of fact, Ive made extra payments and Ive brought my balance down substantially. It would be very nice if this could be reflected on my credit as the way its been handled makes me feel like a degenerate. I lost my job while building an addition on my home and I couldnt make payments for 120 days. Its as simple as that and not once have I wavered from payments or anything that has to do with my bills since. Yet I still have an under XXXX credit score and mostly due to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NM

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: IL

Complaint narrative:
If you believe a 1099-C is not required in this case, I request that you provide a detailed explanation, citing the specific IRS exemption or guideline you are relying on. Otherwise, I reserve the right to file a formal complaint with both the IRS and the Consumer Financial Protection Bureau for failure to comply with applicable federal regulations.

If there has been a change in your position or reporting, I request written documentation explaining how this aligns with current IRS rules. Otherwise, I respectfully expect that a 1099-C will be issued as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-10 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: 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 4 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 CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX assaulted me on XX/XX/2018, he kneeled on my back and slammed my head on the ground repeatedly until he dislocated my shoulder. He then stole my belongings ( Cell phones, XXXX XXXX XXXX, car keys, wallet containing passport, social security card and bank cards ) and put them in his backpack before he fled while I was on the floor bleeding from my nose after he pushed me in the face when I tried to retrieve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I am unable to setup automatic payments to Newrez Shellpoint. Both my homes mortgages were transfered to them in XX/XX/year>. I have tried to use their website and app to add my banking information for automatic payments. Two different webbrowsers were used, neither worked. The companies XXXX  app was tried, it did not work. This issues has persisted for over two weeks now. I have spoken with customer service multiple times and the issue has yet to be resolved. 
It is now XX/XX/year>, and today on the XXXX I've yet to receive any resolution to requests made 2 weeks ago. I called customer service again today XXXX XX/XX/year>. When talking with customer service I yet again attempted to get them to help and resolve the technical issues with the account setup. The customer service representative resolved nothing. I was put on hold multiple times for 2 or 3 minutes for every question I asked. And when he came back he said he had submitted an email that would take up to 7 days to get a response. 
My last request was for a physical mailing address where I can mail a payment so that I do not incur any late fees or missed payments. He put me on hold again. When he came back he said he had sent an email to request this information, and I would get a response in 24 hours. I can't even get a physical mailing address for payment directly from the customer service representative.

The sole purpose of this company is to receive payments and at this point I am unable to make a payment by any method. 
As this is a mortgage servicing and debt collection company I have no choice in doing business through them and it quickly is approaching a date that this will affect me and my credit and payment history. If you're shopping around for a mortgage ask the lender if they will sell to Shellpoint, because at this point it would have been a deal breaker for me if I'd known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I activated an offer on my Chase Freedom Unlimited credit card for XXXX bonus points by booking a hotel stay through the Chase XXXX XXXX. The stipulations were as follows : Activate the offer by XXXX XX/XX/XXXX, stay by XXXX XX/XX/XXXX, and receive the bonus points up to 8 weeks after the stay. I activated the offer on XXXX XX/XX/XXXX, booked the stay on XXXX XX/XX/XXXX, and stayed on XXXX XX/XX/XXXX. I waited 8 weeks and did not receive the bonus points. Upon reaching out to Chase, I was initially informed that the claim was denied because the reservation was booked prior to activating the promotional offer. I have evidence that I emailed myself a screenshot of the promotional offer on XXXX XXXX, which was 5 days prior to booking the stay, so I strongly believe there is no reason why I wouldn't have activated the offer on XXXX XXXX. Therefore, I believe I activated the offer. When I supplied Chase with this evidence, the story shifted, and I received a letter in the mail that claimed the offer that was actually activated on my account was for XXXX bonus points when spending {$500.00} or more. This is not the offer I screenshotted, and therefore I believe is a deliberate attempt by Chase to not fulfill the offer. When I planned my trip, I made sure that my stay would be over {$400.00} because this is the offer I saw, and the only reason I chose the particular hotel I did was because of this offer. It was quite an expensive stay, and only booked because of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Equifax is currently reporting multiple charge-off and collection accounts that I dispute as inaccurate, unverifiable, and severely damaging to my credit profile. These entries include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 for {$740.00}. 

The reporting of these accounts raises serious concerns about accuracy and completeness. For example, some items appear to have duplicate account numbers under different furnishers or may reflect debts that have already been resolved or are being misrepresented. I have not received any documentation or validation directly from Equifax showing that these accounts were substantiated with original source materials, such as signed contracts, billing records, or account histories confirming my liability for these debts. 

Equifax has a legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), to conduct a thorough and reasonable reinvestigation of any item in a consumers credit file that is disputed. If any information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected as required by 15 U.S.C. 1681i ( a ) ( 5 ). Allowing these derogatory items to persist without proper verification constitutes a violation of my rights under federal law.

Moreover, the pattern and volume of these derogatory accounts suggest systemic reporting issues that may be linked to data mismatch, outdated records, or even broader industry vulnerabilities such as data breaches. Given the sensitive nature of personal financial data and the known history of breaches affecting consumer reporting systems, it is not unreasonable to suspect that compromised or erroneous data could be contributing to these inaccurate reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt that has been reported by PORTFOLIO RECOVERY ASSOCIATES and assert that it is inaccurate, not mine, and the result of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request a thorough investigation. I did not authorize or initiate the account or transaction in question. Based on my review, this account may have already been charged off or resolved in some manner, and its continued reporting as of XX/XX/2025 in the amount of {$670.00}. The collection efforts are erroneous and damaging. This company seems to be a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 NC XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief