vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
My card got hacked and also my phone got hacked. I requested an investigation. I told them that my card got hacked and I reported the transactions and they said they would do an investigation and they never did. They did not follow up or give me any sort of update. What they ended up doing was closing my account without sending me any documentation or a phone call or email. I requested that on the phone and I also sent a letter to them with my drivers license, social security card and a utility bill showing my current address and I never received a reply. I went to go look at the account today and it is showing called and derogatory on my credit bureau. They didnt give me any reason or even a chance to pay anything. I thought my account was on pause while they conducted an investigation. This is messed up. Do I have any sort of recourse?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I paid off the loan for my vehicle in XX/XX/XXXX ; however, American Honda Finance hasnt updated any of the credit bureaus of my account status/balance since XX/XX/XXXX. My balance is still listed as {$3200.00} despite the account being closed since the loan has been paid in full for the last 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
My TransUnion credit report shows multiple hard inquiries that I never authorized. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), each consultation requires a permissible purpose and my prior authorization, which I have never granted.

These queries negatively affect my credit score and represent inaccurate information in my history.

I have already filed a dispute with the credit bureau, but I have not received any valid proof that I have authorized such inquiries.

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 2025-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account XXXX XXXX XXXX ( Acct. No. XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account that is being reported on my Experian Rent Bureau file. The details of the account are as follows : - Collection Agency : XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$8100.00} This collection account does not belong to me. I have been a victim of identity theft and identity fraud, and this account is the result of such fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian XXXX XXXX  conduct a thorough investigation into this matter and provide me with written verification of its accuracy. 
If XXXX XXXX XXXX or XXXX XXXX XXXX can not provide proper validation and documentation of this alleged debt, I respectfully request that the account be removed from my file within the next four ( 4 ) days. 
Enclosed are copies of my identifying documents and proof of address to assist with your investigation. 
Please complete this investigation promptly and provide me with the results in writing. 
Thank you for your immediate 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
for several months I have been writing to my mortgage service provider bc they continue to send statements to me saying my payments are late and i need to pay late charges. however, i contacted my bank and they confirmed that each and every payment to them have been sent on time electronically to the mortgage service bank account on time ( never late ). i provided each payment with the date the bank said it was electronically sent to them but my mortgage servicer fails to correct the statements or even ask me any questions for clarification. these false late fees keep on adding up on my statement approaching the point now that i fear they are acting in bad faith, threatening to steal my house through foreclosure, inflicting emotional distress upon me, and intentionally ignoring my letters to them ( they have been faxed and mailed ). 
I need help to stop them, correct my statements, and stop harassing me with fake late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the documents supporting my claim.

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 2025-08-26 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 



I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an installment account opened at XXXX XXXX on XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 



All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 
XX/XX/year>. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Formal Request for Removal of Inaccurate Reporting Account Number : XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the reporting of the above-referenced account to my credit file. This account does not belong to me. I have been a victim of identity theft and fraud, and as a result, this account is being inaccurately reported. 
In addition, the reporting of a 30-day late payment on this account is causing direct and unfair harm to my credit profile. Because this account has never been associated with me. 
I am requesting that XXXX XXXX XXXX immediately remove the account and all related negative information from my credit report. I respectfully request that this matter be resolved within four ( 4 ) days of receipt of this letter. Please confirm in writing once the account and the late payment have been removed from all credit reporting agencies. Thank you for your prompt attention to this serious matter. I appreciate your cooperation in helping to correct this error and prevent further damage to my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX  XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$810.00}

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX. Chase Bank closed my account Business and personal credit cards without my knowledge and I think its not fair for them to do that XXXX. The company is withholding the information related to the closure of my account. All of my accounts are in good standing. 

My goal is to re open this account so I can continue doing my business and also utilize my credit card accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Hi, My name is XXXX XXXX XXXX XXXX, I have tried to contact XXXX  XXXX multiple times by there ticketing system each time they have not responded to my questions. 

I need Access to my account, i have changed my email & phone number since my last login and they have not provided a solution or even a reply. 

XX/XX/XXXX Ticket ID : XXXX my last reply to this email was XX/XX/XXXX asking for a reply to my account question as i still can not login.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and these discrepancies in reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-26 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: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ) and the credit bureaus for inaccurate reporting. On my credit report ( as reflected on XXXX XXXX ), XXXX is being listed as the original creditor. This is factually incorrect XXXX is a debt buyer/collection agency, not the original lender. 

By misreporting themselves as the original creditor, XXXX and the bureaus are violating : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : My right to know the true source of the information in my file.

This misrepresentation is misleading because it creates the false impression that I originally entered into a credit relationship with XXXX, which I did not. It also makes it harder for me to identify the true origin of the debt. 

I request that the CFPB require Experian, Equifax, and XXXX  to : 1. Correct the tradeline to accurately reflect that XXXX is a collection agency, not the original creditor.

2. Provide the name and information of the true original creditor.

3. Delete the tradeline if accurate correction can not be made.

This false designation is not a minor technical error it is a material misrepresentation that affects how lenders view my credit history.

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 2025-08-26 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: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$230.00} XXXX XXXXL Original creditor XXXX  XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fig Tech Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding an account that was reported to the credit bureaus under my name with Fig Tech Inc . The account in question was closed on XX/XX/year>, yet it is still appearing on my credit report in a manner that I believe is inaccurate and/or misleading. 

According to my records, this account should no longer be reported as open, delinquent, or active. I am requesting that you conduct an investigation and update all credit reporting agencies to reflect the accurate status of this account. 

Please provide written confirmation once this matter has been resolved.

Company response to consumer: Closed with explanation