vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information listed on my XXXX / TransunionXXXX XXXX  credit reports. These errors are contributing to unfair harm to my credit score and financial standing. 1 MONTHLY LETTER SENT SINCE XX/XX/year> This includes : 1. Old addresses 2. Present and Former employers 3. Outdated phone numbers 4. Misspelled names 5. DATE OF BIRTH

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 2025-10-21 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint regarding continuous harassment and unlawful debt collection practices. Since XXXX, I have been repeatedly contacted and threatened over a debt that is not mine. Despite numerous written and verbal notifications to both parties that I have been a victim of identity theft, and that I maintain a fraud alert on my credit file, they have continued their collection activities without providing any legally sufficient proof of debt ownership or verification as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On or around XX/XX/XXXX, the creditor and their attorneys demonstrated knowledge of my recent employment, even though I did not begin my job until XX/XX/XXXX. This raises serious concerns about how they obtained this private information and whether this constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) or an act of harassment and intimidation. 

Furthermore, I have repeatedly requested documentation to validate this alleged debt, yet they have refused to provide it. Instead, they have escalated to court filings and threats of wage garnishment despite being fully aware that : I have been unemployed for over XXXX years, The debt has never been validated, and I am a documented victim of identity theft. 

Their actions constitute not only harassment, but also potential violations of the FDCPA, FCRA, and Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I reviewed my Equifax credit report ( Confirmation # XXXX ) and found multiple inaccurate late-payment entries, unauthorized hard inquiries, and soft inquiries that I did not initiate. These inaccuracies appeared following my inclusion in the XXXX Equifax data breach ( XXXX XXXX. XXXX ), where my personal information was compromised. 
Specifically, the report shows late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX late across XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX late in early XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX days late in XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late in XX/XX/XXXX ). It also lists multiple unauthorized hard inquiries ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and numerous soft inquiries. 
On XX/XX/XXXX, I submitted a formal dispute to Equifax under 15 U.S.C. 1681c-2 ( FCRA 605B ), providing proof of identity, address, and breach documentation. I requested all inaccurate and unverifiable items be removed within XXXX ( XXXX ) business days, as required by federal law. Equifax has not yet corrected or blocked the information. 
I am requesting CFPB intervention to enforce compliance with the Fair Credit Reporting Act and ensure full deletion of the inaccurate late-payment data and inquiries from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 2025-10-21 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 writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditors Name : XXXX XXXXXXXX Account number : XXXX Date of charge off : unknown It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
In XXXX I tried multiple times to make my payment and I was sent XXXX emails each time, the first confirming receipt and stating that the payment is being processed and then another stating that the payment his confirm. After a few days, I would receive an email stating that the " there is no record of payment. '' Whenever I called, no one could explain why my payments were being returned and I could not gain access online. 

I finally decided to send the payment via check to see if that would work and at first it did. But then I noticed that my last check was not applied. When I called in I was told that the funds were held because they applied some of the check to late fees charged, which were not in the statement they sent, and the balance was just sitting in my account, unapplied. 

I kept calling to see if they could fix my access online because that way I may be able to understand what was wrong. No one could help. They submitted tickets and no one ever called me back. 

Finally today I called in today and was told my balance is $ XXXX because they have been charging me interest per day because my account is past due. Even though they are sitting on my check balance. 

They also charged me over {$300.00} in late fees even though this is no fault of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing regarding the garnishment order filed by your office on behalf of XXXX XXXX under Case No. XXXX, which was submitted to the court on XX/XX/year>. The court approved the garnishment of my XXXX XXXX XXXX XXXX account in the amount of {$840.00}, with a return date of XX/XX/year>. 

As of today, it has been approximately XXXX months and XXXX days past the return date, and the garnishment order is now expired. I contacted the court to verify the status, and they confirmed that the order has expired and is no longer valid. The court also advised that if the creditor wishes to continue collection, a new garnishment order must be refiled and approved. 

Since the original order is no longer active after XX/XX/year>, and the court has verified its expiration, I am respectfully requesting that XXXX XXXX XXXX issue and send a release of garnishment directly to : XXXX XXXX XXXX XXXX XXXX Department XXXX : XXXX Please attach the release document for their legal departments attention. You XXXX also send a copy directly to me at XXXX, and I will forward it to the appropriate contact to ensure timely resolution. 

I am willing to work with XXXX XXXX or your office to resolve any remaining balance or to establish a payment arrangement if necessary. However, the continued hold of funds beyond the courts return date and expiration appears to be improper under Missouri law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-21 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-21 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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.

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 2025-10-21 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I am writing to formally report that GM Financial has inaccurately reported my account to the credit bureaus, showing my XX/XX/year> and XX/XX/year> payments as being more than 30 days past due. This information is incorrect. 

I have submitted documentation verifying that my account has never been XXXX or more days past due, and all payments have been made on time in accordance with my lease agreement. Despite providing this proof, I have not received any documentation or explanation from GM Financial describing how they investigated this matter or how they determined their reporting to be accurate. 

As a result of this inaccurate reporting, my credit score has been negatively impacted. I am requesting that the CFPB assist in ensuring GM Financial provides a full and documented investigation of this dispute, corrects the inaccurate reporting with all credit bureaus, and confirms the correction in writing. 

Please let me know if additional documentation or account details are needed to support this complaint. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: CA

Complaint narrative:
I reviewed my credit report and came across to XXXX fraudulent opened accounts under my name, those accounts never was opened by me and i don't have any knowledge about it, please be kind and remove those fraudulent accounts from my credit report as soon as possible. 

UNVERIFIED ACCOUNT. According to 15USC1681A, 15USC1681B, 15USC1666B AND 15USC1692G, I have never given any consent to report this account. I would like to be provided proof as per FCRA Sec 605, 609, and 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX  XXXX- Inquired on XX/XX/XXXX XXXX  XXXX XXXX- Inquired on XX/XX/XXXX XXXX  XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX- Inquired on XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX- Inquired on XX/XX/XXXX XXXX/XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND XXXX THIS XXXX PAYMENT ACCOUNTS REPORTING : POSSIBLE FINANCIAL

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 2025-10-21 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

SOURCE RECEIVABLES MNG ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$210.00} DEPT  OF ED/XXXX  # XXXX XX/XX/XXXX -- {$7200.00} DEPT OF EDXXXX  # XXXX XX/XX/XXXX -- {$1800.00} DEPT OF EDXXXX  # XXXX XX/XX/XXXX -- {$1400.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$6600.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$3900.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$3800.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$150.00}

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To Whom This May Concern, On XX/XX/year> you received a letter from me requesting the following documents Agreement that you have the authority to collect on this alleged debt Agreement that bears signature of the alleged debtor with the promises to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct As of this day, I have not received a response from you in regard to this matter. This letter is to inform you that I have the right to request validation of this debt. I ask that you prove that I am indeed the party who is contractually bound to this off this debt or stop collection activity on my credit report immediately and remove it all together. 
I hope your legal staff will agree that noncompliance with this second attempt could result in legal trouble with your company. 

Sincerely, 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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I went to the store i tried my XXXX XXXX it decline and then my card also decline. As soon i did that I called the number behing my card XXXX. The costumer that answer clearly said oh yes this seems like a fraud Since Its more than XXXX transactions. I made my claim and also order a XXXX card. By XX/XX/year>, the bank chase temporary crdit the amount of XXXX XXXX By XX/XX/XXXX they reversal the amount of XXXX XXXX I been calling the bank and talking to supervisors but all they do is transfer my calls. All thise unknown transactions and the bank trying to blame me for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding Gemini. I have been unable to access and transfer my cryptocurrency due to security holds placed on my account. Despite repeated attempts to contact Gemini customer support, including reference to Case # XXXX, my funds remain inaccessible. 

I am specifically experiencing the following : XXXX. My XXXX  can not be transferred from Gemini to my personal wallet. 
XXXX. XXXX  has not provided a clear timeline or explanation for when these holds will be released. 
XXXX. Attempts to resolve the issue through XXXX  support channels have been ignored or insufficient, leaving me frustrated and financially impacted. 

I request that the CFPB review this matter and assist in ensuring that Gemini releases my assets promptly. I am seeking : Immediate release of all held funds so I can transfer them to my personal wallets. 
A clear explanation of the reasons for the holds and the steps required to resolve them. 

Thank you for your attention to this matter. I am prepared to provide any additional information or documentation needed to support my complaint.

Company response to consumer: Closed with explanation