vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

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 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte : 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 2025-08-07 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Upon routine inspection of Barcleys Banana Republic MC statement on XX/XX/XXXX I found that there was a fraudulent charge made on my account in the amount of {$3500.00} on XX/XX/XXXX. I never received any verification attempts from the bank about this charge before they released the amount and placed a charge on my account. I called the customer service immediately and they informed me that the charge was made using convenience check. I wasnt aware of what that was and informed them I didnt use any checks. They opened an investigation which after 10 days they concluded and informed me that check is legitimate and Im responsible for this charge. I informed them that I had not use any checks and didnt authorize any charges. Since that day XX/XX/XXXX I can not resolve this matter with Barclays representatives. On XX/XX/XXXX I received in the mail a copy of the check in question and I can definitely confirm its not something I signed and after inspection with my amateur eyes a can attest to not being legally binding document. Im very disappointed with lock of professionalism on Barclays side in resolving this issue. I will greatly appreciate your assistance in getting this resolved as soon as possible.

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 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am requesting the removal of Private Mortgage Insurance ( PMI ) on my mortgage, which currently has a loan balance of approximately {$390000.00}. The original loan amount was {$580000.00}, and the current estimated market value of the home is {$750000.00}, giving me an LTV of approximately 53 %. I have made all payments on time, and there are no late payments on record. 

Despite meeting all equity and payment requirements, the servicer refuses to cancel PMI. I understand that my loan was modified under HAMP in 2015, but I have not received a clear written explanation of why PMI can not be removed under the investors current guidelines. 

I am requesting the CFPBs assistance in determining : XXXX. Whether my servicer is applying the law correctly under the Homeowners Protection Act ( HPA ) or under applicable investor guidelines ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Why I am being required to continue paying PMI despite having more than 20 % equity and no payment delinquencies. 

I am requesting either PMI cancellation or a formal written explanation outlining why my loan is ineligible for PMI removal.

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 2025-08-07 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: DC

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 inform
ation, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In XX/XX/year>, my original Benefits Online account had all my assets removed and its balance zeroed out. 

No prior communication was issued to me. No notice was logged on my XXXX account. 

Only when I called XXXX, in distress, shaken and convinced that I had gotten defrauded, was I told to open another account to regain access to my shares and cash. This was done during the same call. 

There was no mentioning about the XXXX USD annual fee during that call. The consultant who opened the account during the call did not disclose them. 

Terms and conditions related to the new account were neither shared with me via post, email or logged into my XXXX XXXX account. 

I only realised it was applied and deducted from my funds when I accessed the new account for the first time on the same day. Oddly enough, the annual fee was charged and taken off my account even before the new account was opened. 

On the same day, I asked, in writing ( email to advisors listed in my XXXX XXXX ), for the shares to be sold, the annual charge refunded, and all funds wired overseas to my XXXX bank account, and the account closed. 

My email, was forwarded to XXXX of consultants ( team unknown ). 

I was called back and told that I would not be refunded the fee even if I closed the account on the same day. 

The consultant who contacted me ( XXXX XXXX ) left XXXX shortly after he contacted me and his direct email that he shared with me to continue with the sale and account closure was no longer active. 

When I contacted XXXX ( again the advisors listed in my accounts secure inbox ) to continue the communication, no one ever responded. 

My complaint remained ignored. 

I was left with the account I did not want or needed, and forced to deal with poor customer support on never-ending exhausting international calls, watching my savings melt into charges, and the shares value drop.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my Discover account XXXX. These reports are from XXXX and XXXX of 2024 they are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 USC 1681 S 2 A. Furnitures must report accurate information under 15 USC 1681 I. the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-07 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 am reporting inaccurate late payments on an auto loan account with XXXX de XXXX XXXX. This account is showing multiple XXXX, XXXX, and XXXX late payments across TransUnion, Experian, and Equifax. The delinquency information is inconsistent between the bureaus and can not be verified. 

This violates the Fair Credit Reporting Act ( XXXX  ), specifically Sections XXXX ( b ) and XXXX, which require credit reporting agencies to ensure maximum possible accuracy and to delete any unverifiable or incomplete information. 

These late payments are negatively affecting my credit profile. I am requesting a full investigation, and I have attached a formal dispute letter for review.

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 2025-08-07 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: MD

Complaint narrative:
I am reporting inaccurate late payments on an auto loan account with XXXX de XXXX XXXX. This account is showing multiple XXXX, XXXX, and XXXX late payments across TransUnion, Experian, and Equifax. The delinquency information is inconsistent between the bureaus and can not be verified. 

This violates the Fair Credit Reporting Act ( XXXX  ), specifically Sections XXXX ( b ) and XXXX, which require credit reporting agencies to ensure maximum possible accuracy and to delete any unverifiable or incomplete information. 

These late payments are negatively affecting my credit profile. I am requesting a full investigation, and I have attached a formal dispute letter for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted American Express regarding my personal loan to request urgent financial assistance after being laid off from my job. I have faithfully paid my monthly payment of {$380.00} on time every month without ever missing a payment. I explained that I wanted to avoid falling behind or defaulting and that I fully intend to repay my loan in full, but I can not afford any loan payment at this time due to my loss of income. 

I specifically asked if American Express offered hardship programs, deferment plans, or any other form of temporary relief. I was transferred to the Financial Relief Department, where the representative said the only option was to lower my monthly payment to around {$310.00} and raise my APR to about 9.99 %. This was not a meaningful solution. It reduced my payment by only a small amount, increased my interest, and still left me unable to pay. In fact, raising my APR during a period of hardship would only make my loan more expensive and harder to repay once I am back on my feet. 

When I explained that I could not afford $ XXXX any amount right nowthe representative ended the call without offering additional options, guidance, or resources. 

I believe this is an unreasonable response, especially given my perfect payment record and proactive attempt to avoid default. I am requesting that American Express provide a temporary deferment or suspension of my loan payments for 36 months without added interest or penalties until I secure employment. I also ask that they consider a partial reduction of my total loan balance to make repayment more manageable once I am back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by Equifax for the following XXXX : XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL, account number XXXX XXXX XXXX  ; and XXXX ALL, account number XXXXXXXX XXXX XXXX  I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with explanation