vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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:
I immediately contacedt the companies where the fraud occurred, Place a fraud alert or security freeze on my credit report, I reported FRAUD theft to the FTC, Files a police report, Notified the credit bureaus : EXPERIAN, TRANSUNION AND EQUIFAX. 
Sent copies of my police report and Identity Theft Affidavit to the XXXX major credit bureaus and they are adhering to My report of unauthorized or suspicious FRAUD transactions showing on my credit report. 


Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$83.00} XXXX XXXX. {$16.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$340.00} THESE ACCOUNTS ARE FRAUDULENT!! I HAVE SUBMITTED ALL documentation I HAVE FILED Department of the Treasury XXXX Internal Revenue Service Identity Theft Affidavit XXXX Number XXXX Form 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of check fraud not a perpetrator. Unfortunately, XXXX XXXX  closed my account without conducting any investigation or giving me a fair opportunity to explain or provide evidence. I was not informed of the reason in detail, and I later discovered I had been reported to Early Warning Services, which is now affecting my ability to open new accounts and receive direct deposit from services such as EDD. 

To date, the fraud case remains unresolved, and I have not received any final determination from XXXX XXXX. Despite this, they have proceeded to mark me as a risk in third-party systems without due process or conclusion. This action has caused undue hardship and unfair consequences for me as an innocent party. 

I am requesting a full investigation into this reporting, and I demand the immediate removal or correction of this negative record in accordance with the Fair Credit Reporting Act ( FCRA ). If needed, I am willing to provide additional documentation, including identification and bank communications. 



Early Warning System I am a victim of check fraud and have been reported to Early Warning Services before any investigation was completed by the financial institution. I was flagged as a risk without due process or verified evidence, which has prevented me from accessing essential banking services. 

This has caused serious disruption to my life, including inability to receive direct deposits and open new accounts. I am requesting a full review of my record and immediate removal if the reporting can not be substantiated under FCRA standards. 

Thank you for your attention to this matter. I respectfully ask that this record be reviewed urgently and updated to reflect the truth : that I am a victim, not a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Mortgage falsely reported and continues to misreport payment history. They include a multitude of wordy and largely unsubstantiated responses that lack substance, as the loan modification was completed after the alleged late payments. 

The loan modification makes all previously reported lates go away by the rules, and Shellpoint is fighting the rules, lying, and refusing to fix with a fanaticism that would put the fanaticism of the defenders of XXXX XXXX to shame

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 2025-06-01 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL [ XXXX ] ( XXXX : XXXX ) ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Reporting Dispute Inaccurate Information for Regions Account # XXXXXXXXXXXX XXXX XXXX  Dear CFPB Representative, I am writing to formally file a dispute and request an investigation into an inaccurate and potentially unlawful credit reporting practice related to my account with XXXX XXXX Regions Bank XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX. 

This account is currently being reported inaccurately on my credit report in the following ways : 1. * * Paid in Full * * : I paid off this account in full in the amount of * * \ {$2500.00} * * on * * XX/XX/year> * *. I have attached documentation confirming this payment. Despite being settled in full, the account continues to reflect negative and misleading information. 

2. * * Incorrect Charge-Off Status * * : The account is being reported as charged off. If Regions Bank has securitized the debt, they no longer legally own the obligation and should not be reporting it as charged off. Reporting a charged-off status under these circumstances is misleading and possibly unlawful. 

3. * * Request for Deletion * * : In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that * * this account be removed in its entirety * * from all consumer credit reporting agencies ( XXXX XXXX, and XXXX  ). The continued reporting of inaccurate, misleading, or unverifiable information is a violation of my rights under federal law. 

I am requesting a full investigation into this matter and a resolution within the timeframe allowed under the FCRA. Please find enclosed supporting documentation for your review. 

Thank you for your prompt attention. I look forward to receiving confirmation of your investigation and the resulting actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures XXXX XXXX XXXX XXXX Proof of payment dated 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter on XX/XX/year> stalling an investigation of erroneous items on my credit report despite all of my identifying information attached to the dispute. This action is highly illegal and all CRAs should continue the investigation as promoted.

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 2025-06-01 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file by XXXX XXXX. Specifically, I am referring to the late payment ( s ) allegedly reported under account number [ XXXX ]. 
I previously contacted XXXX XXXX  requesting validation and evidence of this debt and the alleged late payment. They have failed to provide sufficient or legally acceptable documentation establishing the accuracy of their claim. Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to fully verify the accuracy of any reported information when a dispute is filed. If verification can not be provided, the disputed item must be removed from the consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
I am submitting this complaint against TransUnion for inaccurate and inconsistent credit reporting, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

The issue involves an account reported by : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX The specific problem relates to the Date Last Active field : XXXX  reports the date last active as XX/XX/year> TransUnion reports it as XX/XX/year> This inconsistency demonstrates that TransUnion is not ensuring maximum possible accuracy in the reporting of this account, as required under FCRA 1681e ( b ).

I have disp
uted the inaccuracy, but TransUnion has not corrected or reconciled the discrepancy, which may also be a violation of FCRA 1681i ( a ), requiring a reasonable reinvestigation of disputed items.

I am requesting that : 1. The inaccurate reporting by TransUnion be investigated. 
2. The account from XXXX XXXXXXXX XXXX XXXX be removed from my TransUnion credit report due to the unresolved inconsistency and violation of my rights under the FCRA. 

I am willing to provide supporting documentation upon request. I request that this matter be investigated and resolved as soon as possible.

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 2025-06-01 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.

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$17000.00}

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 2025-06-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX - XXXX XX/XX/XXXX With a balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$1100.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I told this company that these accounts XXXX XXXX  account number- XXXX XXXX- XXXX was a act of Data Breach and my information was compromised. I was sen a pre paid card from XXXX from equifax and XXXX settlement email from XXXX  and nothing from XXXX  and these accounts is still on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I have repeatedly disputed inaccurate and unauthorized items appearing on my credit reports with Experian, Equifax, and TransUnion. These include : An installment account from XXXX ( Account # : XXXX ) A collection account from XXXX XXXX XXXX ( Account # : XXXX ) A XXXX XXXX open account ( Account # : XXXX ) Numerous unauthorized hard inquiries ( see list below ) I hereby formally request, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that you provide the method of verification used to verify the accuracy of each disputed item, including the name and contact information of the furnisher, and any documentation you relied upon in your reinvestigation.

I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ), but each time I received a vague form letter stating the items were verified without providing documentation or the method of verification ( MOV ), which is required by law. 

I specifically requested : The method of verification used The name and contact information of the furnisher Documentation used to verify the disputes These requests were ignored or evaded. I believe the credit bureaus have failed to conduct a lawful reinvestigation and are in violation of FCRA 611 and 1681i. The continued reporting of unverified information is damaging my credit standing.

I also disputed the following unauthorized hard inquiries, as I do not recall giving consent : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, and others I was told these inquiries were authorized without being shown proof or signed application documents. This is a violation of FCRA 604, which governs permissible purpose.

I have asked for verification and have received stall tactics. I believe the credit bureaus are willfully noncompliant, and I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
The GM Rewards card from Marcus has been arbitrarily declining charges. They claim it is to guard against unauthorized transactions. They have instituted a process where they send a text/email to credit card holder requiring them to confirm the transaction. If the credit card holder does not repond immediately they decline the transaction. Thus the process they have put in place required the credit card holder to monitor their text/emails 24 hours a day 7 days a week. An impossibility. I do not know the maximum response time they will accept, but in one instance I confirmed XXXX minutes after they sent the text and I was told it was too late. These charges are from reputable companies ( XXXX, XXXX, etc ). It is specifically a problem on annual subscriptions and online purchases where the card transaction is processed at a time that the credit card holder has no control over so no way to predict when the charge will need to be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DE

Complaint narrative:
I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  * - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 
last four ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DE

Complaint narrative:
I am writing to file a formal identity theft complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts do not belong to me and may have been opened or transferred in my name without my consent. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Charged-off/collection reported without proper validation - Requested Documents : Signed agreement, assignment, flow agreement, W-8/W-9 also i want the cusip number for the account plus the XXXX full report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  - Status : Collection account reported without chain of title or agreement - Requested Documents : Original agreement, assignment/bill of sale, flow agreement, W 8/W-9 and the XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  * - Status : Reported as consumer not located yet still in collections - Requested Documents : Ownership proof, flow/assignment agreement, W-8/W-9 I did not authorize these accounts, and they may have been the result of fraudulent use of my identity. Under the Fair Credit Reporting Act ( FCRA ) 605B, I request that these accounts be blocked and removed from my credit reports. 
last four ss # 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A collection on my credit that shouldnt be there I have reached out plenty of times to get this taken care of and nothing has been done

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