vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I applied for the XXXX XXXX XXXX  in order to purchase a laptop from XXXX XXXX XXXX and pay in installments. The application was approved the same day, and the order was processed and paid for using the new card. I waited for the delivery for a week. When I contacted XXXX XXXX XXXX, I was told the order had been canceled because the card was not activated I was never notified about this. 

I immediately contacted the issuing bank and was told I had to send identity documents via email ( not through any secure portal ), which raised concerns. I still complied and submitted my Real ID and XXXX XXXX on XX/XX/XXXX. I received an auto-reply saying to wait 30 days. 

After 30 days passed, I followed up multiple times. I was only told that my documents were under review. On day XXXX, I was told that the application was denied because I did not provide a utility bill or bank statement which I was never informed was required. I re-sent all my documents on XX/XX/XXXX. They replied only to ask for my name and phone number and provided no updates afterward. 

At no point was my card activated, verified, or mailed. I never requested to close the account, but now I discovered that the bank closed the card without informing me, and this resulted in a XXXX drop in my credit score. 

I believe this is unfair and unacceptable. I acted in good faith, provided all requested documents, and followed all instructions. The company failed to inform me, delayed the investigation, and ultimately harmed my credit. I am requesting that this issue be reviewed and that the impact on my credit score be corrected. I also contacted the bank directly, but based on their past behavior, I do not expect resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I applied for the XXXX XXXX XXXX in order to purchase a laptop from XXXX XXXX XXXX and pay in installments. The application was approved the same day, and the order was processed and paid for using the new card. I waited for the delivery for a week. When I contacted XXXX XXXX XXXX, I was told the order had been canceled because the card was not activated I was never notified about this. 

I immediately contacted the issuing bank and was told I had to send identity documents via email ( not through any secure portal ), which raised concerns. I still complied and submitted my Real ID and XXXX XXXX on XX/XX/XXXX. I received an auto-reply saying to wait 30 days. 

After 30 days passed, I followed up multiple times. I was only told that my documents were under review. On day XXXX, I was told that the application was denied because I did not provide a utility bill or bank statement which I was never informed was required. I re-sent all my documents on XX/XX/XXXX. They replied only to ask for my name and phone number and provided no updates afterward. 

At no point was my card activated, verified, or mailed. I never requested to close the account, but now I discovered that the bank closed the card without informing me, and this resulted in a XXXX drop in my credit score. 

I believe this is unfair and unacceptable. I acted in good faith, provided all requested documents, and followed all instructions. The company failed to inform me, delayed the investigation, and ultimately harmed my credit. I am requesting that this issue be reviewed and that the impact on my credit score be corrected. I also contacted the bank directly, but based on their past behavior, I do not expect resolution.

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 2025-07-24 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: WI

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XXXX, Shellpoint states I didn't pay the mortgage. I have records that through my chase account, the mortgage was paid on XX/XX/year>. Then on XXXX XXXX  I made XXXX payment. I am not late on my mortgage payments. Shellpoint keeps applying my payment for the month before instead of the month of which it is paid. I have never been late ; however, on my credit report, it is being reported as late in XXXX and for XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my brother passed on XX/XX/XXXX. I notified at the branch in XXXX, Ca. on XX/XX/XXXX they froze the accounts, checking ( XXXX ) and credit card ( XXXX ). waiting for the 40 days to pass so I could claim the accounts with the Small Affidavit process for probate. 
on XX/XX/XXXX Chase took out an Auto payment of {$3100.00} that has no description of where the payment went? or that my brother authorized it. On XX/XX/XXXX I asked for the funds to be returned, was told the process to do so. I did that twice on XX/XX/XXXX & XX/XX/XXXX. 
I called to check on the status on XX/XX/XXXX and they gave me the run around, one person said that the payment went to pay his credit card, but it doesnt show up on the statement. when I asked for them to prove that XXXX authorized the auto payment, they could not. I know he didnt authorize it because we had talked about cause he was out of work while getting the medical treatment required by his company, so he wasnt spending anything cause he wasnt sure how long it would be before he would be back to work. at this point they said I would need to have Power of Attorney or a probate Court order to prove I am the administrator of the estate before they could continue to talk with me about his accounts, even though they had accepted the Small estate Afffidavit since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received information saying I own this debt from this company, 3 different accounts from the same company. The company is called LNVN Funding, I have requested information but did not here back from the company within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am writing to demand the immediate and permanent closure and removal of the fraudulent credit card account ending in XXXX from both your internal records and my consumer credit reports. This account was compromised during a confirmed identity theft incident and has caused significant financial harm and distress. 

Unauthorized Activity & Identity Theft : At the time of compromise, the account had a {$0.00} balance. It was subsequently used without my knowledge or consent, accumulating unauthorized charges and payments totaling over {$10000.00}. I did not authorize or recognize any of this activity. This situation is part of a broader identity theft event affecting multiple accounts, and I have taken the necessary legal steps to document and report it. 

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) ( Report # [ Insert FTC Report Number ] ) and am actively working with an attorney to address the broader consequences of this crime. 

Federal Law & Your Obligations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., FNBO is legally obligated to : Block and cease reporting any account information that results from identity theft. 
Promptly investigate upon receiving notice of identity theft and supporting documentation. 
Correct and delete all information resulting from fraudulent activity from your systems and any consumer reporting agency to which it was furnished. 
Your continued reporting of this fraudulent account constitutes a willful violation of these federal consumer protection statutes.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-24 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tennessee Credit Management, Inc
State: FL

Complaint narrative:
To : TCM Incorporated Under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ), I formally request full validation of the alleged debt your company is attempting to collect regarding an account with XXXX XXXX, account number XXXX, in the amount of {$620.00}. 

To date, you have failed to provide proper validation. A billing statement alone does not satisfy the federal requirements. You are legally required to provide the following : A copy of the original contract or agreement bearing my signature, A complete itemized breakdown of the debt showing how the amount of {$620.00} was calculated, Proof that your agency has been legally assigned or currently owns the debt ( assignment or purchase agreement ), Proof of your license and authority to collect debts in the State of Florida.

Please also note that I am judgment-proof, as I receive government assistance. I have previously issued a cease-and-desist notice, and your continued collection activity is both deceptive and unlawful. 

This letter serves as a final notice. You have five ( 5 ) business days to fully validate this debt. Failure to do so will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and may result in legal action for violations of the FDCPA and FCRA.

If this account is being reported to any credit bureau, it must be immediately removed until and unless proper validation is provided. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXX GA XXXX 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 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 2025-07-24 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: AZ

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 : 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 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 explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: LA

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 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 2025-07-24 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: MI

Complaint narrative:
XXXXConsumer Name: XXXX XXXX Consumer Social Security Number: XXXX  Consumer Date of Birth: XXXX  , Contents of Complaint: This CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the XXXX\ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of an account opened at \n\nan account opened at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX under the account number XXXX\XXXX  account opened at XXXX XXXX on XXXX XXXX XXXX under the account number XXXX  account opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX account opened at XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX under the account number XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)\nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, and hard inquiries are the result of identity theft and fraud.\nWhat would be a fair resolution to this issue? (demand for relief):\nI request, pursuant to FCRA  605B (15 U.S.C.  1681c-2), that the XXXX  credit reporting\nagency block all of the accounts, collections, and hard inquiries identified in this CFPB\ncomplaint from my consumer credit file within 4 business days of receiving said complaint. I\nrequest that all written confirmation regarding this CFPB complaint be sent to me via email to\nthe email address XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

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