vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This information is incorrect. I have already filed an identity theft and fraud report with the Federal Trade Commission ( FTC ) and provided this documentation to XXXX. Despite this, they have failed to investigate properly or remove the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B, which states that a consumer reporting agency must block and remove fraudulent information upon receiving proper documentation.

Because I have complied with the FTC reporting and contacted the furnisher directly, XXXX is now in violation of the FCRA by continuing to report inaccurate data. I am therefore requesting that the CFPB take immediate action to ensure this account is deleted in its entirety from all consumer reporting agencies. 

I have included copies of the FTC identity theft report, correspondence with XXXX, and the relevant credit report showing the inaccurate account details.

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 2025-10-20 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: AZ

Complaint narrative:
I looked into XXXX XXXX XXXX to see if they had any credit repair type loans. They did not so I didn't continue with the account. I asked them to close my email and personal info and they refused. 

Later it said I wasnt accepted for a heloc loan and it tanked my credit XXXX points. When I asked their customer service they literally confused approval with applying. They kept saying you weren't approved so theirs no loan due to XXXX. I explained they are responding but not addressing the fact that there shouldn't be a denial because I didn't authorize to proceed with applying even for a soft pull. Customer support acknowledged the error and referred me to other staff to request removal. The new staff confused the same terminology which is highly concerning still wound send to credit agency correct information or remove account. They claimed they need to keep my information and at this point this is a scam or not encrypted email because there's no way they talk like a XXXX XXXX XXXX who doesn't know. 

I want my account information removed off this bogus site and the heloc inquiry removed off my credit report. I didn't authorize this and their staff in XXXX department already confirmed it. 


Have XXXX  XXXX refund all XXXX dollars. I signed up for a free credit report and then it billed me XXXX and XXXX dollars. The account doesn't even have my card uploaded to it and it somehow still is billing me. I never selected a plan or any other credit services. They just didn't want to give my money back and this site seems scammy or foreign. XXXX shows multiple other people saying they were billed without permission.

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 2025-10-20 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: DE

Complaint narrative:
This correspondence serves as my second formal dispute regarding the reporting of my XXXX XXXX XXXX account Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$520.00}. Despite my previous dispute submission and good-faith efforts to ensure the accuracy of my credit file, this account continues to be reported inaccurately. The reported late payment information is inconsistent with my verified payment history and does not reflect my responsible management of this account. 
Upon careful review of my records, including payment confirmations, bank statements, and transaction logs, it is clear that all payments were made in full and within the scheduled due dates. The continued presence of these alleged delinquencies is not only factually incorrect but also misleading, creating a false impression of financial irresponsibility.

Such erroneous reporting has the potential to negatively impact my creditworthiness and may interfere with my ability to obtain credit or favorable financial terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am sending to formally dispute and request correction of certain late payment entries that appear to be inaccurately reported on my credit file. I have reviewed my credit report carefully and found discrepancies in the reporting of several accounts listed below. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) to request a reinvestigation of any information I believe to be incomplete or inaccurate. Furthermore, FCRA 607 ( b ) requires that furnishers and credit reporting agencies maintain the maximum possible accuracy of the information they provide. I respectfully request that each of the accounts identified in this letter be thoroughly reviewed, verified, and corrected to ensure that my credit file accurately reflects my true payment history and account status.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Experian, Violated my consumer rights by not thoroughly investigating faulty items on my credit report claiming they were validated without doing a thorough investigation

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 2025-10-20 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:
Experian, Violated my consumer rights by not thoroughly investigating faulty items on my credit report claiming they were validated without doing a thorough investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have been with the XXXX for over 5 consecutive years and always certified employment at least one a year. They miscounted my payment twice.... The screenshots attached clearly shows the gaps. I am at XXXX payments for loan to be discharged but can't get anyone to update my account after months of waiting and reaching out.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute an account you have reported to the credit bureaus concerning a debt originally owed to XXXX XXXX XXXX . According to my records, this debt was paid in full on XX/XX/year>, in the amount of {$470.00}, directly to the original creditor.

Despite this, your company began reporting the account as an active collection approximately four months ago. This reporting is factually inaccurate and has negatively impacted my credit profile and financial standing.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), furnishers and debt collectors are prohibited from reporting false or misleading information regarding consumer debts. Your reporting of a paid debt as an active collection is a direct violation of these federal laws.

Accordingly, I am requesting that you : 1. Immediately remove this collection entry from XXXX, XXXX, and XXXX, and 2. Provide compensation in the amount of {$1000.00} for damages caused by your inaccurate reporting, to be received within 15 days of your receipt of this letter.

If this matter is not resolved within the stated timeframe, I will take the following actions : File a Statement of Claim in XXXX  XXXX Court, and Submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your violation of federal consumer protection laws.

Please send all written responses, including confirmation of account removal and any supporting documentation, to the address listed above. This correspondence has been sent with Certified Mail- Return Receipt Requested for verification of delivery.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Company : Shellpoint Mortgage Servicing ( NewRez LLC ) Product : Mortgage Issue : Loan-modification, loss-mitigation, and account handling errors Property : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX What happened I entered into a mitigation program with Shellpoint Mortgage Servicing ( NewRez LLC ). 
I completed the required mitigation payments approximately XXXX months ago, but Shellpoint never provided final modification documentation, reconstruction paperwork, or adjusted my balance. 
My repeated written requests for a copy of the modification agreement and the new terms have gone unanswered. 

Shellpoint has continued to demand {$3200.00} monthly payments despite the fact that my true remaining balance is approximately $ XXXX on an $ XXXX property with taxes current. 

Shellpoint also admitted that they overlooked documentation previously provided and failed to apply payments correctly. 
This has caused unnecessary hardship and risk of foreclosure, even though I have made consistent payments and maintained the property. 


Key concerns Completed mitigation payments with no final modification issued. 

Failure to respond to written information requests. 

Incorrect balance and excessive payment demand. 

Potential credit damage due to inaccurate reporting. 


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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I got my credit profile pulled and noticed a balance for {$600.00} for a XXXX  account I never owned a XXXX phone nor Internet provider I have disputed this with all three credit bureaus asking for proof of ownership company has not respond I have no knowledge of this account nor this creditor. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The collector is now reporting or collecting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 have no knowledge of the account its not mine. a tone of people have the same name as mine and this account is not mine. i had previously filled a police report about this issue.

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 2025-10-20 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: MI

Complaint narrative:
i have no knowledge of the account its not mine. a tone of people have the same name as mine and this account is not mine. i had previously filled a police report about this issue.

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 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Business Name : XXXX XXXX XXXX my name XXXX XXXX XXXXk : Bank of America Account Type : Business Checking Complaint Type : Unauthorized transactions/ Frozen account Description : On date XXXX XX/XX/year> ], I discovered two unauthorized transactions from my Bank of America business account. I reported the issue immediately and filed a police report in XXXX XXXX, MI ( Report # : XXXX. 

Since then, my account has been frozen, and I have not received a claim number or confirmation of a fraud case. I have contacted Bank of America via phone and email without resolution. 

Requested Resolution : 1. Immediate confirmation that a fraud claim has been opened.

2. Provision of the claim number / case ID.

3. Reinstatement of access to my account.

4. Refund of the unauthorized transactions once verified. 

Attachments : Police report, account statements showing unauthorized transactions.

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 2025-10-20 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: IL

Complaint narrative:
According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed comenitybank/victoriassecret listed twice as XXXX different accounts multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Personal Information Dear TransUnion, Experian, and Equifax, I am writing to formally request the investigation and deletion of inaccurate personal information currently appearing on my credit report. As required under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, you are obligated to ensure that all information in my credit file is accurate and verifiable. 
After reviewing my credit reports, I discovered multiple addresses that do not belong to me and must be deleted immediately. These incorrect addresses are creating confusion and misrepresentation in my personal records. 
My Correct Information : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Inaccurate Information to Be Deleted : EQUIFAX : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX EXPERIAN : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX TRANSUNION : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are inaccurate and should not be associated with my personal profile. I am requesting the removal of all the incorrect information listed above and the retention of only my current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX. 
Please investigate and delete any data that can not be verified as accurate or that does not belong to me. Once this investigation is completed, kindly send me an updated copy of my credit report reflecting the corrected and verified information. 
Thank you for your immediate attention to this matter. I expect your response within the 30-day period required by law.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Personal Information Dear TransUnion, Experian, and Equifax, I am writing to formally request the investigation and deletion of inaccurate personal information currently appearing on my credit report. As required under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, you are obligated to ensure that all information in my credit file is accurate and verifiable. 
After reviewing my credit reports, I discovered multiple addresses that do not belong to me and must be deleted immediately. These incorrect addresses are creating confusion and misrepresentation in my personal records. 
My Correct Information : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Inaccurate Information to Be Deleted : EQUIFAX : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX EXPERIAN : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX TRANSUNION : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are inaccurate and should not be associated with my personal profile. I am requesting the removal of all the incorrect information listed above and the retention of only my current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX. 
Please investigate and delete any data that can not be verified as accurate or that does not belong to me. Once this investigation is completed, kindly send me an updated copy of my credit report reflecting the corrected and verified information. 
Thank you for your immediate attention to this matter. I expect your response within the 30-day period required by law.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate and unverifiable information appearing on my Experian credit report, prepared on XX/XX/XXXX. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The following collection accounts are being reported inaccurately and do not belong to me. I request an immediate reinvestigation and deletion of these items unless verified with complete documentation from the original creditors : XXXX. Transworld Systems Inc XXXX XXXX XXXX Account XXXX : XXXX Reported Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX / XXXX Credit Card Account No : XXXX Reported Balance : {$550.00} Date Opened : XX/XX/XXXX These accounts are not mine, and I have no contract, agreement, or relationship with the original creditors or the collection agencies listed. Pursuant to the FCRA, please provide copies of all records bearing my signature and proof that these debts have been verified as belonging to me. 

If Experian can not verify these accounts with proper documentation within 30 days, they must be removed immediately from my credit file in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX purchase made for XXXX {$30.00} Kohls cash earned and issued. 

XX/XX/XXXX and XXXX Kohls cash used XXXX items from the XX/XX/XXXX is not as expected Went to the store on XXXX and called customer service on XX/XX/XXXX to discuss my options. XXXX were no reasonable options. 

All items were returned to the store unworn with tags on XX/XX/XXXX. 

All though the returns totaled XXXX the machine only refunded XXXX and gave the rest in Kohls cash. Kohls has all their items back in original condition and did not refund the full amount paid but instead deducted the amount paid by Kohls points that were earned, not used in the original transaction. 

I dont want the Kohls cash earned in my purchase of XXXX on XX/XX/XXXX. I returned everything so I no longer have earned the Kohls cash and I should be refunded the full amount of the return. 
The practice of refunding the consumer less than what they paid, in store money, that is no longer earned, seems unethical.

Company response to consumer: Closed with explanation