vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Please verify or remove immediately the following accounts Lockhart Morris & Montgomery I never had a contract with this debt collector for any debt.

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you to dispute an account listed on my credit report that is fraudulent. I have never applied for, opened, or authorized this account. Its continued reporting is harming my credit standing and misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing a follow-up complaint regarding my mortgage loan # XXXX, serviced by Shellpoint Mortgage Servicing XXXX On XX/XX/XXXX, I received a reinstatement quote demanding {$190000.00} to cure arrears by XX/XX/XXXX, a significant increase from the {$180000.00} cited in my prior complaint ( filed XXXX XXXX, XXXX ). This escalation includes {$6300.00} in unapplied advances/late fees/attorney fees and {$1800.00} in foreclosure costs, despite my pending Notice of Error/Qualified Written Request ( QWR ) sent via certified mail on XX/XX/XXXX, to which I have received no response. This violates RESPA ( 12 CFR 1024.35 ) timelines for acknowledgment ( 5 days ) and resolution ( 3045 days ). 

This quote reflects ongoing servicing errors I reported earlier : an invalid XXXX loan transfer breaking the chain of title ( void under XXXX XXXX XXXX XXXX, XXXX ), an unauthorized rate increase from 2 % ( per XXXX modification ) to 3.5 %, and non-responsive XXXX  XXXX XXXX. The {$180000.00} in XXXX arrears is inflated by the improper rate, and unapplied funds ( {$3700.00} ) have not been credited. Shellpoints failure to pause fee accrual during QWR review breaches Regulation X 1024.41 and HBOR ( Civ. Code 2924.11 ), especially with the foreclosure sale postponed to XX/XX/XXXX. 

Harm Caused : The ballooning arrears threaten my home ownership, cause financial hardship, and damage my credit. I face potential overpayments and emotional distress from Shellpoints uncontrolled practices.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I went to a chime atm inside a XXXX and made a {$300.00} withdrawl, the funds were not dispersed. The receipt came out saying the funds were dispersed. I contacted the atm company and they said my bank can credit the funds back through dispute. I called chime and explained the situation and they mishandled the dispute as an unauthorized charge. They closed my card and denied my claim and I never received my {$300.00} back. I have spoken to over 20 different reps at chime and they all give me different or incorrect info. They are rude and refuse to acknowledge the error in the dispute process. I tried to give them the atm terminal and sequence number to prove I never got the funds and they will not take it. I was told I would get a provisional credit and never did and they keep giving me the run around. I needed that {$300.00} to pay my bills and I explained this but they continue to ignore request or properly investigate. They keep saying I reported an unathorized charge when that was never the issue it was that the funds did not come out of the atm machine. I explained to them if they investigate with the atm company they can verify that it had {$300.00} over at settlement time and even the camera footage can show the funds did not come out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am writing to formally dispute accounts appearing on my credit report that I believe were created fraudulently. I respectfully request a thorough investigation and their prompt removal. Supporting documents are enclosed.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, Trans Union Address Line Dear Experian, Equifax, Transunion I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX I was never late on ( XXXX XXXX ) on this account please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Thank you for your help in this matter,

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 2025-09-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: RI

Complaint narrative:
This account is written as a charge off but I never received no 1099 cancellation of debt form. This account is inaccurate and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I opened an XXXX XXXX XXXX XXXX account with Regions Bank with {$1000.00} of my own money. I was told the account would convert to a regular credit card account within one year maximum, and they would return my {$1000.00} within that timeframe. After a year of waiting, my account stayed the same and my {$1000.00} was never refunded. I visited Regions Bank and spoke with a rep and explained my situation. The rep told me Regions would return my {$1000.00} whenever they saw fit and that there was no timeframe. She said the only way to get my {$1000.00} back immediately would be to close the account, which I did. 

I closed my XXXX XXXX XXXX XXXX account and my Savings account with Regions, but left my Checking open because I was told the money would be deposited within 4 business days into my Checking, which it was not. After more than a week of waiting for my {$1000.00}, I went back to Regions and was now told it would take up to 60 business days for the bank to return my {$1000.00}. 

Due to the terrible service provided by Regions, I had already opened a new Checking account with a different bank, and had changed my direct deposit to the new bank. Now Regions wants to charge me a monthly fee to keep my Checking open without direct deposit, and I can not close my Checking until after 60 days since they have not returned my {$1000.00}. 

I would like to place a complaint against Regions due to their dishonest business practices, as they lied to me when I opened my XXXX XXXX XXXX XXXX account by telling me they would refund my {$1000.00} within one year. Additionally, they lied again when they told me I would receive my {$1000.00} within 4 business days after closing the account. Now Im being told it will take 60 business days to receive my {$1000.00} refund. I can not wait this long as I have an emergency and need the money refunded to me immediately.

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 2025-09-26 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: MI

Complaint narrative:
In XXXX, I noticed an account had been open from a XXXX XXXX  in Ohio. Ive been living in Ohio since XX/XX/XXXX. I had my own account open on my credit because I didnt have insurance when I went to a XXXX XXXX. I thought it was a mistake so I reported it as family member information, it got disputed. Then it happened again in XXXX & XXXX. I disputed them both for fraud & credit karma disputed it as such. I only am assuming it was my XXXX, because when I had to move away from her XXXX XXXX, because he lived with us both, I forgot it because everything was hectic. She said she would put it away. And I got it back, but I feel like she either took a picture of it or wrote it down somewhere.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: One Source Technology
State: MT

Complaint narrative:
Formal Complaint & Request for Investigation This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and misleading reporting practices of Asurint, a third-party tenant screening agency. The complaint concerns eviction case # XXXX, which was deleted from the consumers credit file with all major credit reporting agencies ( XXXX XXXX XXXX XXXX  ). Despite its deletion, Asurint continues to report the eviction negatively in tenant screening reports, creating harm to the complainant. 

1. Asurints Role as a Consumer Reporting Agency Asurint functions as a Consumer Reporting Agency ( CRA ) under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681a ( f ) ) because it compiles and furnishes consumer reports to landlords and property managers. As such, it must comply with FCRA requirements of maximum possible accuracy ( 607 ( b ) ) and the obligation to maintain fair procedures ( 607 ).

2. Inaccurate & Misleading Reporting The eviction case # XXXX was permanently deleted from the consumers credit file with XXXX XXXX XXXX XXXX after disputes and verification failures. 

Nevertheless, Asurint continues to include this eviction in tenant screening reports. By doing so, Asurint is : Reporting outdated and deleted information in violation of FCRA 607 ( b ) and 611.

Furnishing information that creates a false negative impression to landlords, directly harming the complainants housing opportunities.

3. Harm Caused Asurints ongoing reporting of a deleted eviction case has caused housing denials and reputational harm to the complainant. The consumer has demonstrated that this record no longer exists on their credit reports, yet Asurint continues to furnish it to housing providers. This creates undue hardship and violates FCRAs mandate for accuracy and fairness in consumer reporting.

4. Relief Requested The complainant respectfully requests that the CFPB : 1. Investigate Asurints reporting practices concerning tenant screening reports.

2. Order the immediate deletion of eviction case # XXXX from all Asurint tenant reports. 

XXXX. Require Asurint to establish stronger compliance procedures with FCRA to prevent the reporting of deleted or inaccurate public records in the future.

4. Provide appropriate remedies and oversight to ensure compliance with FCRA 607, 609, and 611.

Exhibits Exhibit A Asurint eviction report showing case # XXXX Exhibit B Proof of deletion of the eviction from XXXX XXXX XXXX XXXX reports Exhibit C Any prior dispute correspondence or deletion confirmation letters The information provided in this complaint is true and correct to the best of the complainants knowledge. 

Prompt action by the CFPB is requested to remedy these violations and protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have a business profile with XXXX  and have for quite a few years now. We provide services, not goods. All sales are in person, no internet sales, have never had to issue any refunds or chargebacks. Today, XXXX, a customer made a payment to us for {$1900.00} which is not an unusual amount for our services. XXXX  put a hold on my funds and said they were going to be holding them for 21 days. I asked them for the specific reason and was told that there is no specific reason. Also demanded them to release the funds and I was told that there is no one that works at XXXX  that can do this. I told them I have proof that this was a legitimate transaction and my client can prove it also. They offered to refund it back to my customer so he could pay me another way, but he would have to wait 5 business days before it posts back to his account. I have the phone conversation with them recorded and advised them of this. This is XXXX  my business, I have employees that are waiting for their pay so they can pay their bills. Lights are going to get turned off and this has put an extreme hardship on my business, my bills, and my employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This account was due to fraud I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
This business has performed Identity theft. I did not give this business permission to access or use my personal information or access my credit report. I received a copy of my credit report this year. I noticed there were fraudulent accounts on my report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority ). Which is hindering my ability to obtain credit.

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 2025-09-26 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: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief