vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the XXXX XXXX XXXX Practices XXXX. When the account is can not be verified, remove the negative reporting account from my credit report. 
Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 

ACCOUNT.... XXXX XXXX XXXX # XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 

ACCOUNT.... 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 non-monetary relief
Consumer complaint received 2025-07-21 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: WV

Complaint narrative:
On XX/XX/year> my bank account had XXXX transactions of XXXX each time taking out of my bank through XXXX  XXXX  I notified my bank about the fraudulent transactions and they informed me that XXXX them didn't actually go through and they couldn't refund the other XXXX transactions which totaled XXXX. The reason was they said I initiated the transactions and I explained to them I didnt initiate any transactions that they used my debt card info to do this. I filed a police report and a report with the attorney generals office. The police dept said the text messages I received from XXXX different numbers on that day saying check your cash app bro and please send XXXX back to me I make a mistake on XXXX  XXXX  was both disconnected and originated in XXXX. I explained this to truist bank and showed them the messages and they still said I initiated these transactions. I told them I've been hacked multiple times in the past and when a transaction like that XXXX and being XXXX of those transactions in a XXXX min period normally I would get an email through truist checking with me to see if I authorized those transactions but I was never notified .whoever done this kept taking out XXXX until I didn't have anything left. Please help me if you can. But it was through truist bank in XXXXXXXX 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 monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I personally paid both my property tax bills for XXXX XXXX XXXX Tax Bill : {$2000.00} School District Tax Bill : {$2200.00} Shortly after, my mortgage lender, Newrez, also submitted payments for both bills and opened an escrow account, increasing my monthly mortgage payment from {$1300.00} to {$1800.00}. 
Here is the detailed timeline of what happened : XXXX. The school district returned the lenders check upon confirming my prior payment. 
XXXX. XXXX XXXX tax office accepted the lenders payment despite having already received mine. 
XXXX. XXXX XXXX tax office confirmed to me in person that : o My payment was received first. 
o The mortgage lender never submitted any refund request. 
o There are no notes or requests from the lender in their system, preventing any refund action. 
o They could not provide me written confirmation for this reason, but I was shown the empty system records in person. 
XXXX. I communicated this back to Newrez in XXXX different occasions, and ask them to : o Remove the escrow account o XXXX the excess funds charged to me over the past XXXX months Every time, I have been told that they will close the escrow account when they receive the refund ( even though they already received the money from the school district ) and that they will refund me the extra money. But, every time I follow up, a different representative informs me the request to remove escrow has been denied because they have not received their money back ( money that they have not request from XXXX XXXX ). 
XXXX. I have also repeatedly : o Sent my proof of payment to the lender by email 3 times ( on XXXX, XX/XX/XXXX, XXXX ) and regular mail ( once ). 
o XXXX XXXX XXXX can not return the funds unless the lender actually submits a refund request. 
________________________________________ As of today : The lender continues charging me monthly escrow for both tax bills, including the school district payment they already recovered. 
I am being charged as though my property taxes were unpaid, even though both taxing authorities confirmed otherwise. 
My mortgage payment has increased by over $ XXXX due to their error, mismanagement, and refusal to act. 
The lender never filed the required refund request with XXXX XXXX. 

________________________________________ Company : Newrez Account Number ( last XXXX digits ) : XXXX Taxing Authorities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Contact Info : Phone ( XXXX ) XXXX. Email : 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Current # XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that the closed Current Bank secured credit card account be removed from my credit report. As soon as the account was opened, I immediately closed it the same day because I did not authorize or intend to keep it open. I have already contacted Current Bank to resolve the issue, but the account continues to be reported to the credit bureaus. I am asking that the company take the appropriate steps to have this account fully removed from my credit profile. Its continued reporting is having a negative impact on my credit. If this issue is not addressed promptly, I am prepared to pursue further legal action under the Fair Credit Reporting Act. I am requesting urgent attention and full removal of this account from all credit bureaus soon as possible or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report. 
Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 

ACCOUNT ...... XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Cell : ( XXXX ) XXXX Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> EdFinancial Services XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Re : Notice of Violation under 15 U.S.C. 1681i and 1681n To Whom It May Concern : I am writing to formally dispute the accuracy and reporting of the account you have listed under my credit profile.

Under * * 15 U.S.C. 1681i * *, you are required to conduct a reasonable reinvestigation of any item disputed by a consumer and to delete or correct any information found to be inaccurate, incomplete, or unverifiable within the legally required timeframe. You have failed to conduct a proper reinvestigation and continue to report inaccurate information on my credit file. 

Furthermore, your continued reporting of this inaccurate and unverifiable information constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), entitling me to actual damages, punitive damages, attorneys fees, and costs as provided by law.

I hereby demand that you : 1. * * Immediately delete the inaccurate account information from my credit report. * * 2. Provide me with a copy of all documentation used to verify this account and its reporting.

3. Cease reporting any unverifiable or inaccurate information to any consumer reporting agency.

Please understand this letter is an attempt to correct and resolve this matter amicably ; however, if your office fails to comply with federal law, I will pursue all available legal remedies to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect a response within 15 calendar days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Under FCRA Dear [ TransUnion / Experian / Equifax ], I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report, which I obtained through IdentityIQ. These inquiries were not initiated or authorized by me, and I have no prior relationship with some of the entities listed. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with my direct consent or initiated through a permissible purpose are allowed on my credit file. 

The following inquiries are being disputed as fraudulent or unauthorized : Inquiries in Dispute : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion Dispute Reason : I did not authorize these credit inquiries and I do not have any current or pending business relationship or credit applications with these companies. According to Section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), credit reporting agencies must have a permissible purpose and consumer consent before allowing these companies to access my credit file.

As required by the FCRA, I am formally requesting : 1. An immediate investigation into each of the inquiries listed above.

2. Removal of any inquiries that can not be verified with documented consumer authorization.

3. A written response within 30 days of receipt of this letter detailing the results of your investigation.

Enclosed are copies of my government-issued ID and a recent utility bill as proof of identity.

If these inquiries were the result of identity theft, please provide me with the procedures and forms required to file a fraud affidavit or identity theft report.

Thank you for your prompt attention to this matter. I expect resolution within the time frame outlined by federal law. 

Sincerely, 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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays entered into a formal settlement agreement with me. I mailed the agreed payment by check. That check was cashed and cleared weeks ago, yet Barclays continues to claim they never received it. 



I have proof of payment from my bank, including confirmation that Barclays deposited the funds. Despite this, Ive been repeatedly denied a resolution. Multiple agents have refused to escalate my case or acknowledge the checks receipt. One manager even refused to provide her name, employee ID, or any documentation of our conversation a blatant compliance red flag. 



I was told to wait 710 more business days after Barclays cashed my check a stall tactic meant to delay accountability. 



This is now a clear case of : Mishandling of a binding financial settlement Failure to apply received payment Refusal to identify employees during a legal dispute And possible misappropriation of funds I am requesting that Barclays : 1. Immediately honor the settlement 2. Apply the payment already received 3. Provide written confirmation of account closure or resolution 4. Be held accountable for compliance violations and deceptive handling If this is not resolved, I will pursue further escalation through state regulators and legal avenues. Im attaching proof of payment.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account in question is : Creditor Name : XXXX  XXXX Account Number : Not Reporting an account number ] Date Reported : XX/XX/year> Status : Charge-Off Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and under 15 U.S.C. 1637 ( b ), I am requesting a thorough reinvestigation of this account as the information is either inaccurate, incomplete, or unverifiable.

Legal Basis for Dispute : 15 U.S. Code 1637 ( b ) requires creditors to provide billing statements that set forth each extension of credit and a record of transactions. If this charge-off resulted from transactions that can not be substantiated with proper billing records as required by law, then its reporting is inaccurate and must be removed. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureau can not verify the accuracy of the disputed information within 30 days, it must delete the information from the consumers file.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation once they are notified of a dispute by a consumer reporting agency. 

My Request : I request that your agency : Conduct a reinvestigation of this charge-off account.

Request original documentation from the creditor showing that the debt was valid, billed properly under 15 U.S.C. 1637 ( b ), and lawfully charged off.

If the creditor can not provide such documentation, the entry must be deleted from my credit file immediately. 

Send me written confirmation of your reinvestigation results. 

Additionally, I have not received a Form 1099-C from XXXX  XXXX for this account, despite requesting one. If a 1099-C has been issued and this debt has been reported to the IRS as canceled, then the reporting of this debt as charge-off is misleading and possibly unlawful. Under such circumstances, the debt should not be sold, assigned, or collected upon, and it certainly should not continue to appear on my credit file. If no 1099-C has been issued, I request written confirmation from the creditor that the account remains legally valid and collectable by XXXX XXXX and not another collection company. 


Please complete this investigation within the 30-day period allowed by law and provide written notice of the results, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation