vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
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 NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: LA

Complaint narrative:
Sentry Credit Inc place a collection on my consumer report without my knowledge. I never consent Sentry Credit Inc to contact me about any alleged debt which is a violation of the fdcpa. I am requesting that Sentry Credit Inc verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating the debt owed 4. Full account summary and itemized calculations of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the time governed by FDCPA law. If Sentry Credit Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. Sentry Credit Inc has also failed to follow fdcpa by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been having issues with Equifax. My credit score has not been updated since XX/XX/year>. I can not receive my current credit report either from any site. Ive tried myequifax.com, my annual credit report, and I also pay for the monthly service with XXXX to see all three scores and reports. I have not been able to update it because equifax does not show my report anywhere. When I login to myequifax.com a message pops up that my report and score are not available due to a technical error. It gives me a code XXXX  to provide to the agent and the number for equifax. I called equifax on XX/XX/year>. I was told by the agent that a technical support ticket was put in. I called again today for an update and there was no record of the ticket. The agent said the issue was that they had my mailing address as my main address. When I asked to change it I was told that I had to be verified. I completed the full verification process by sending a copy of my drivers license and taking a selfie which was then sent to the equifax agent. I was then told that I could not have an updated credit report until I sent in copies of my drivers license, social security card, and a letter asking them to fix the issue. I dont know if Equifax has been hacked but this feels excessive for an address update so I am submitting this complaint. The agent was also very rude when I asked to speak with a supervisor about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to report multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ) by two national credit reporting agencies : TransUnion and Experian. I have submitted detailed written disputes to both bureaus regarding inaccurate and potentially unverifiable information that continues to appear on my consumer credit reports.

Despite providing clear evidence, invoking applicable FCRA statutes, and formally requesting validation and investigation in writing, both bureaus have failed to correct or remove the disputed accounts in a manner compliant with federal law. These actions have caused measurable harm to my creditworthiness and have negatively affected my ability to access fair credit opportunities.

Specifically, I am citing the following violations : Failure to conduct a reasonable reinvestigation of disputed information in accordance with FCRA 1681i Failure to delete inaccurate, incomplete, or unverifiable information under FCRA 611 ( a ) ( 5 ) ( A ) Failure to provide method of verification and full disclosure of account sources, as required by FCRA 609 Failure by furnishers to properly investigate and respond to disputes, a violation of FCRA 1681s-2 ( b ) Additionally, I would like to draw attention to the CFPBs prior enforcement actions against both bureaus in 2022 for similar violations. The persistence of these issues demonstrates a continued disregard for consumer rights and federal compliance.

I respectfully request that the CFPB investigate these matters and hold TransUnion and Experian accountable for failing to uphold their obligations under the law. I am attaching copies of the letters sent to each bureau along with supporting documentation. 

Thank you for your attention to this complaint. I trust the CFPB will take the necessary steps to ensure my rightsand the rights of other consumersare protected. 

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate, Unverifiable Collection Accounts XXXX XXXX / Creekside Violation of FCRA ( 15 U.S.C. 1681i, 1681e, 1681c ) Dear XXXX, I am writing to formally dispute inaccurate and potentially fraudulent entries on my credit report associated with XXXX XXXX XXXX and original creditor Creekside. 

Accounts in Dispute : 1. Closed Account Balance : {$0.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$600.00} Account Status : Paid / Closed 2. Open Account ( Duplicate or Error ) Balance : {$3100.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Account Status : Unpaid Remarks : Consumer disputes this account information Legal Violations and Basis for Deletion : Duplicate Reporting : Reporting two collection accounts from the same original creditor ( XXXX ) for similar or possibly overlapping debt violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates reinvestigation of disputed items that are duplicative or unverifiable.

Unverifiable Account : The newer account opened in XXXX must be verified under 15 U.S.C. 1681i ( a ) ( 2 ). If no original signed agreement, itemization of charges, and legal transfer of debt documentation can be provided within 30 days, the account must be deleted.

Accuracy Requirement : The claim of an unpaid {$3100.00} balance directly conflicts with the earlier record indicating a closed and paid account. This inconsistency violates 15 U.S.C. 1681e ( b ) requiring maximum accuracy of data reported.

Outdated Information : If the original debt originated more than seven years ago, continued reporting may violate 15 U.S.C. 1681c ( a ) ( 4 ).

Action Demanded : I formally request the immediate deletion of the disputed XXXX XXXX XXXX / Creekside account ( s ) for being : Duplicative Inaccurate Unverifiable Potentially reaged or improperly reported Please provide me : 1. Written verification of both accounts 2. Documentation of the debts origination and legal assignment 3. A corrected credit report reflecting permanent deletion if the data can not be verified Failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for FCRA violations.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting by Capital One Auto Finance Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Auto Finance for reporting inaccurate and damaging late payments to my credit report, which I assert are false, misleading, and in violation of my rights under federal law.

Despite making my auto loan payments on time or having made arrangements with the lender, Capital One Auto has reported late payments to the credit bureaus. This reporting is both inaccurate and harmful to my credit standing, which has led to financial and emotional distress. 

Violations of Federal Consumer Law : Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681s-2 ], furnishers of information ( such as Capital One Auto Finance ) are legally obligated to report accurate and complete information to consumer reporting agencies. Capital One Auto is in direct violation of : Section 1681s2 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish 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.

Section 1681s2 ( b ) : Upon receiving notice of a dispute from a consumer reporting agency, the furnisher must conduct a reasonable investigation and correct any inaccurate or incomplete information.

I have also filed disputes with the credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), requesting an investigation into this matter. I have yet to receive satisfactory resolution or confirmation that Capital One Auto has corrected the errors.

This reporting is materially false, and unless it is corrected or removed, I will consider pursuing legal action under the FCRA and other relevant consumer protection statutes for damages caused by negligent or willful noncompliance.

Requested Action : I am requesting the Consumer Financial Protection Bureau to : 1. Investigate this matter immediately.

2. Hold Capital One Auto Finance accountable for inaccurate reporting.

3. Ensure the removal of all false late payment records from my credit reports across all bureaus ( XXXX XXXX, and XXXX ). 
4. Provide me with written confirmation of the steps taken and resolution of this dispute.

Please consider this a formal complaint and request for enforcement of my rights under the law. Documentation supporting my claim can be provided upon request.

Thank you for your time, attention, and support in protecting consumers like myself from harmful and unlawful credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
My full credit report needs to be investigated immediately .. Social security numbers, date of birth, addresses as well are on my report from XXXX XXXX XXXX  and XXXX  which is causing relentless stress on my report for approval of any type of application that is being applied for.

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 2025-06-17 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: LA

Complaint narrative:
My full credit report needs to be investigated immediately .. Social security numbers, date of birth, addresses as well are on my report from XXXX XXXX XXXX and XXXX which is causing relentless stress on my report for approval of any type of application that is being applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts and inquiries that appear on my XXXX  credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below.

Accounts are. 

JPMCB CARD Account number XXXX Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. 

JPMCB CARD Account number XXXX Account type Credit Card Date opened : XX/XX/XXXX Status : Paid, Closed/Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The following company received application requests for Hardship, payment Plan and a modification. The last several months, we have not received an application acknowledgment or receipt that the application is being processed. The account and mortgage is currently under foreclosure proceedings for approximately {$45.00} XXXX- {$60.00} XXXX  to be paid immediately. We are trying to resolve the balance by applying for a hardship. Shellpoint, after 60 days or more still has not acknowledged, processed the application in which they have received. We feel that the application is being ignored. XXXX XXXX income has decreased by 50 % due to the death of her husband and her underlining health condition that is now listed as XXXX XXXX, due to complete 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Summary of Procedural Violations and Supporting Documentation This complaint concerns Chase Banks mishandling of a dental services dispute involving defective cosmetic crowns and the banks failure to comply with its investigatory obligations under Regulation Z ( 1026.13 ). Despite multiple admissions by the provider that multiple sets of XXXX  XXXX  were gray, fabricated in an unapproved shade, and failed to meet aesthetic standards, Chase failed to recognize or act on this evidence. The bank submitted factually inaccurate and misleading documentation to arbitration, ignored missing and critical dental records, and relied on a superficial analysis that overlooked the providers own repeated acknowledgments of error and treatment failure. Chase also gave me misleading guidance that deprived me of a fair opportunity to submit evidence. 

I have identified and documented nine specific procedural violations committed by Chase during the dispute and appeal process, each of which is supported by evidence in the materials I am submitting.

When I attempted to appeal the arbitration result, Chase responded with form-letter denials that ignored the substance of my concerns and were not even based on fact ( e.g., denying my appeal on the basis of dispute timeliness and calling it a billing error when it was clearly a dispute over defective services ). As a result of this mishandling, I was left with a set of visibly gray and aesthetically unacceptable XXXX XXXX 

I am uploading a full set of supporting materialsincluding a detailed list of the nine specific procedural violations, detailed timeline with procedural and violation notations, expert opinions, photographic evidence, and over 30 well-organized and highlighted documentsdemonstrating that Chase violated its duty to conduct a fair, objective, and thorough investigation. These failures collectively reflect a systemic breakdown in Chases dispute resolution process and warrant full regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: I.C. System, Inc.
State: AL

Complaint narrative:
Between XXXX and XXXX, I experienced several issues that negatively impacted my credit report, many of which I have attempted to address or dispute. 
XXXX. XXXX XXXX XXXX : This account was charged off for a balance of {$8.00}, which remains unpaid as of XX/XX/XXXX. The original delinquency occurred around XX/XX/XXXX, and the status has not changed since. The account is listed as a charge-off and will remain on my report until XX/XX/XXXX. I do not recall receiving final billing or closure details, and I request clarification and review. 
XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX ) : A collection account for {$13000.00} was added in XX/XX/XXXX and remains unpaid as of XX/XX/XXXX. I disputed this debt, noting that it stemmed from faulty merchandise ( apartment conditions ) and lack of resolution. The matter is unresolved despite my efforts to dispute and communicate the issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : This account was reported to collections in XX/XX/XXXX for {$510.00}, which is still outstanding. I have not received clear billing or final notice from XXXX  XXXX and believe this may be the result of a service-related or account closure error. 
XXXX. XXXX. XXXX ( XXXX XXXX ) : This collection for {$320.00} was added in XX/XX/XXXX. I disputed the debt under the Fair Credit Reporting Act due to lack of documentation from XXXX XXXX and believe it was an error or unauthorized charge. 
XXXX. XXXX XXXX XXXX ( XXXX ) : This is a long-standing collection account from XX/XX/XXXX that has grown to {$34000.00}, originally {$11000.00}. I believe this may reflect excessive interest or fees and am requesting verification of the debt and an accurate accounting of charges. 
XXXX. I have several student loans with XXXX, all currently in deferment with no missed payments and scheduled to begin repayment in XX/XX/XXXX. These accounts are in good standing. 
XXXX. I also have an account with XXXXXXXX XXXX  , a secured credit card that has never been late and is in good standing as of XX/XX/XXXX. 

I respectfully request a full investigation and proper documentation from all companies reporting negative or disputed information on my credit report. I am actively working to improve my financial health and need accurate reporting for fair evaluation.

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