vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-04 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 got a copy of my credit report and notice a lot of things i don't have knowledge about and unauthorized inquiries which is results of identity theft

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 2025-07-04 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION OF ILLEGAL AND INACCURATE AUTO POLICY COLLECTION/CHARGE OFF RE : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX This derogatory tradeline, reported as collection/charge off is being reported in clear violation of multiple federal and state consumer protection laws, including but not limited to : - 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) - Failure to perform lawful reinvestigation of disputed items- 15 U.S.C. 1681s-2 ( b ) - Furnisher 's failure to correct or delete inaccurate information - 15 U.S.C. 1692e - Prohibiting false or misleading credit information - UCC 9-610 & 9-614 - Repossession notice and sale requirements- FTC Credit Practices Rule ( 16 C.F.R. Part 444 ) THIS ENTRY IS UNLAWFUL AND MUST BE DELETED IMMEDIATELY Per FCRA s 605, this UNVALIDATED account is obsolete and must be removed immediately. Failure to comply violates my rights under 15 U.S.C. S 1681c. You have violated my rights by unlawful communication. Delete.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest failed to respond to my formal written dispute and debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a written request asking Bridgecrest to validate the debt and provide documentation supporting their claim. The letter was sent on XX/XX/year> and was received according to my tracking records. They never responded. 

Despite not responding, they continue to report negative information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I am requesting that the CFPB investigate this matter and that Bridgecrest either : Provide full validation of the debt, Or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION OF ILLEGAL AND INACCURATE AUTO POLICY COLLECTION/CHARGE OFF RE : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX This derogatory tradeline, reported as collection/charge off is being reported in clear violation of multiple federal and state consumer protection laws, including but not limited to : - 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) - Failure to perform lawful reinvestigation of disputed items- 15 U.S.C. 1681s-2 ( b ) - Furnisher 's failure to correct or delete inaccurate information - 15 U.S.C. 1692e - Prohibiting false or misleading credit information - UCC 9-610 & 9-614 - Repossession notice and sale requirements- FTC Credit Practices Rule ( 16 C.F.R. Part 444 ) THIS ENTRY IS UNLAWFUL AND MUST BE DELETED IMMEDIATELY Per FCRA s 605, this UNVALIDATED account is obsolete and must be removed immediately. Failure to comply violates my rights under 15 U.S.C. S 1681c. You have violated my rights by unlawful communication. Delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
After I disputed a medical collection account with the credit bureau, For XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX it was marked as verified. However, this account is for a medical debt that was sent to a third-party collection agency. Under the Health Insurance Portability and Accountability Act ( HIPAA ), a third-party debt collector should not have access to my private medical information without my explicit consent or a valid authorization.

When I requested validation from the collection agency or the credit bureau, I did not receive any documents that are compliant with HIPAA standards or that prove they had the legal right to access or report my medical information. Simply stating the debt is verified is not enough. They must provide actual documentation that does not violate HIPAA and that proves the debt is accurate, valid, and legally reportable.

I believe the verification process violated both my rights under the Fair Credit Reporting Act ( FCRA ) and HIPAA, and I am requesting that the CFPB require the credit bureaus and the collection agency to provide proper validation or remove the item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Synovus Bank
State: SC

Complaint narrative:
I am filing a complaint against Synovus/XXXX for incomplete and misleading credit reporting. 
The account # XXXX is missing over a year of payment history, showing Unknown from XX/XX/XXXX to XX/XX/XXXX. After that, they resumed reporting late payments without clarification or updated billing activity. 
The account status is unclear, but it continues to hurt my credit. I am requesting the removal of this account from my credit report due to inaccurate and incomplete data, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Mothers Day ( XX/XX/year> ), I deposited my paycheck into a Wells Fargo ATM. The ATM took my check, did not dispense any cash, and did not return the check. It appeared to freeze or malfunction during the deposit process. I did not receive a deposit confirmation, and the funds were not credited to my account that day. 

After I filed a claim with Wells Fargo, they issued a provisional credit for approximately {$890.00} nearly two weeks later. Now, more than a month and a half later, theyve reversed the credit, claiming the ATM only received 1 cent and that no actual check was deposited. That is false. I personally watched the ATM accept and retain my paycheck, and I never received the check back. 

As a result, my account is now severely overdrawn, and I am being penalized for an issue caused by Wells Fargos own machine. 

I have repeatedly requested transparency including the ATMs internal logs, camera footage, and details of whether the check was recovered or damaged and I have been given no answers. 

I am a low-income single mother, and that paycheck was vital for covering basic expenses for my children and myself. Wells Fargos denial of responsibility despite the ATM accepting my check and malfunctioning is unacceptable and is causing serious financial harm. 

Attached images are of original ATM error from XXXX XXXX & the credit reversal

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 2025-07-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am a homeowner in Maryland. Shellpoint Mortgage filed foreclosure against me on XX/XX/year>, while simultaneously confirming in their portal that my loan modification application was received and under review.

I was never issued a denial letter, decision, or final response. On the same day they acknowledged my application, they filed foreclosure and included my modification packet as court evidence ( Exhibits 4 and 5 ). 

On XX/XX/year>, I submitted a full loan modification application to Shellpoint Mortgage due to a financial hardship caused by job loss and a wrongful unemployment denial. I received confirmation that my application was received and that I would be contacted by their loss mitigation team within 1015 days. 

However, on XX/XX/year> the same day their portal still showed my application as being reviewed Shellpoint filed a foreclosure case against me in XXXX XXXX XXXX XXXX. They also used my loan modification documents as part of the court filing ( Exhibits 4 & 5 ), yet I was never sent a denial or decision letter.

I believe this is an example of dual tracking, which may violate federal protections. Shellpoint should not be moving forward with foreclosure while actively reviewing a loan modification and providing no communication. I have the emails and dates of my calls for phone pulls and paper trail I am a mother of six trying to save my home. I am working with Maryland Legal Aid and have now also filed with the Maryland Commissioner of Financial Regulation and the Maryland Attorney Generals office. I am seeking help to have this foreclosure halted and to be properly reviewed for loss mitigation options. I lost my job in XXXX and my wages were tampered w/ by the employer there is a eeoc mediation and XXXX case active regarding that. i have been in financial ruins and expressed the help i needed. i learned about the foreclosure via a 3rd party. my XXXX  oldest daughters came home from college so i can get back on my feet they got jobs and now the house has income again My mortgage number is Loan # : XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX. ( Case # : XXXX ) case number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation