vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The credit report you have provided contains multiple inaccurate, incomplete, and unverifiable entries that directly harm my financial standing. Your failure to maintain accurate data as required under 15 U.S.C. 1681e ( b ), 1681i, and 1681b is unacceptable.

I invoke my rights and demand the following : Full investigation with proper verification and documentation.

Certified physical evidence that substantiates each account, collection, and inquiry listed below.

If such documentation can not be provided in full compliance with FCRA and Metro 2 standards, you are required to DELETE these items permanently. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to follow XXXX XXXX XXXX  XXXX  standards threatens data integrity and accuracy XXXX both of which are your legal responsibility. Continued reporting of unverifiable or inaccurate data constitutes willful noncompliance and reckless disregard for the law, as outlined in FCRA 1681n and 1681o.

If you do not comply within the timeframe allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General for enforcement action.

I demand that you provide : A detailed reinvestigation report Physical copies of verified documentation supporting each entry An updated copy of my credit report reflecting your actions Failure to comply will be considered a willful violation of federal law.

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 2025-06-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
Please see ALL attachments. 
I am writing to dispute fraudulent accounts appearing on my credit report pursuant to 15 USC 1681c-2 due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd.
State: KY

Complaint narrative:
I am the Executor of the XXXX XXXX XXXXXXXX XXXX. A debt collector, Phillips & Cohen Associates LTD, filed a claim against the estate for an alleged debt totaling {$1900.00}. In good faith and in accordance with my fiduciary duty, the estate paid this claim in full on XX/XX/year>, via electronic transfer on the debt collector 's website. 

Despite receiving full payment, the debt collector has failed to provide written confirmation that the debt was satisfied. This confirmation is necessary to properly close the estate and fulfill the reporting requirements of probate court. I have called and sent written requests for confirmation of payment on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, but the debt collector has not provided the confirmation despite stating they would do so. 

This conduct has delayed the administration of the estate and constitutes a disregard for both state probate law and the authority of the court. It is especially troubling that a professional debt collector or law firmentities that should be well aware of their legal obligationswould fail to acknowledge receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Enforcement of Legally Isolated Securitized Loans Violates Due Process and Federal Standing Requirements : Homeowner respectfully asserts that this case raises a substantial federal question that implicates constitutional violations and improper foreclosure practices involving Bank Of America legally isolated securitized mortgage loans. These issues were overlooked in the current summary judgment motion and warrant reconsideration under Rule 59 ( e ) to prevent manifest injustice.

A. Federal Law and Safe Harbor Isolation Preclude Enforcement by Non-Creditors Mortgage loans that were sold and securitized into REMIC truststhereby legally isolated under federal Safe Harbor regulations ( 12 C.F.R. 360.6 ), New York trust law, IRS REMIC statutes, and GAAP true sale accounting rulesare unenforceable by third parties who never acquired lawful creditor rights.

Once the note is legally transferred into a trust and isolated for bankruptcy protection purposes, it ceases to be an enforceable asset of the original lender. Any subsequent enforcement efforts by entities lacking true ownershipincluding servicers, trustees, or parties relying on unverified boilerplate assignmentsare void for lack of standing.

B. Use of State Foreclosure Statutes by Non-Creditors Violates Due Process Permitting non-creditor parties to initiate foreclosure actions through statutory mechanismsabsent proof of ownership of the underlying debtviolates the Due Process Clause of the Fourteenth Amendment. When state foreclosure statutes are used as a debt collection mechanism by parties without standing, the process itself becomes unconstitutional.

This practice further violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits deceptive means of collecting debts, including falsely claiming to be the creditor.

C. Longstanding Precedent Requires Unified Ownership of Note and Mortgage As held in Carpenter v. Longan, 83 U.S. 271, 274 ( 1872 ) : The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity.

Accordingly, no party may enforce a mortgage without owning the note, and yet Bank Of America in this case has failed to prove that it possesses either.

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 2025-06-18 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: MN

Complaint narrative:
I signed up for an online account to manage my loan and receive communications electronically. I was initially able to log into the companys website and manage my loan. Subsequently, I have been unable to manage my loan online as the website asks for my SSN and loan number to locate my loan and then is unable to locate or process the request. I have tried at least XXXX times to fix this and called their customer service to raise the issue who said they opened a ticket with their IT desk. I have not heard back and still can not log into the website to see my loan information or make changes, etc. this needs to be fixed

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 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I requested proof of debt in XXXX, XXXX from XXXX originally. I never got a response. I started receiving spam calls from Jefferson Capital about a debt I owed. I told them to submitt information in writing. I do not discuss any debt over the phone. This was in XX/XX/XXXX. The calls continued and I blocked all call coming to my phone due to the excessiveness of them calling me in the early XXXX  hours before XXXX. Now I am receiviing mail from them stating I owe a debt with them, and they are willing to take a compromised of 50 %. I don't owe XXXX or Jefferson Capital. It was not on my credit report, but now they have placed it on my report as of XXXX. I did not notice it being there before and now it is effecting my scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction.

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 2025-06-18 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Experian Credit XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$71000.00}

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 2025-06-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Money was removed from my checking account using a XXXX  account. I relayed to them that I dont have a XXXX  associated with me social security number and its fraudulent in nature. I asked that they return my money because of this. I even filed a dispute but they only accepted one transaction that they reversed on XX/XX/year> and debited my account back {$5.00} only. When the amount is well above that. So Id like to file a formal complaint that I need my money returned as I previously stated I dont own a XXXX  nor have I used one nor gave anyone permission to use my banking info to obtain funds from my account.

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 2025-06-18 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I have an XXXX  loan taken out under my social security in XXXX  that was not me. I recently went to take a loan for a car and saw that it was under my credit file. I have filed a police report for identity theft. The incident number is XXXX. The Officer is XXXX and the badge number is XXXX. The contact phone number for the police officer is XXXX. 

The user used a fake email 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 2025-06-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
In XXXX of 2024 I was notified by Robinhood that they were needing me to answer questions about crypto transfers and had restricted my account for security reasons. I was then contacted via phone and asked questions regarding the transfers which I provided the answers to. After all the questions were answered they thanked me for my time and then told me that they would be lifting the restriction on my account after a review. Several business days later they replied that they had concluded their review and had determined that my account had been hacked and that I was victim of a cyber attack. I was not provided any way to reply to this or any path to provide further evidence and " for my safety '' my account was permanently restricted. I have reached out to their support several times requesting documentation and have been told only that they determined this and that the account is restricted permanently but rest assured that my brokerage account is still valid and that I am still able to buy and sell BTC, but I am not allowed to send to an external wallet.

Company response to consumer: Closed with explanation