vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
These accounts were falsely added and must be removed under USC 1681g within XXXX days.

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 2025-08-14 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A case went to court and XXXX XXXX was found guilty of larceny and convicted to XXXX probation in this case. The charge from Bank of America should have been removed from my credit report but has not been. I have contacted the company and they still show the bad debt on my account. I can provide copies of the court documents if needed. I will be sending a copy to equifax in XXXX Ga to try to clear it up with them. Any help is appreciated. 
This was a credit card but I never saw the card and do not know the account number. XXXX is my brother and he had the statements mailed to his house, so I never saw the charges until it became an issue. Then the collection companies started calling.

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 2025-08-14 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: WI

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts being reported by Experian, TransUnion, and Equifax. These tradelines are causing immediate and irreparable harm to my pending mortgage approval. 

Despite my certified dispute letters, the bureaus have failed to comply with FCRA 611 by conducting a lawful reinvestigation or providing proof of accuracy. No original signed contracts, no chain of title, and no proof of permissible purpose have been provided, violating FCRA 604, 607 ( b ), and 623 ( a ) as well as FDCPA 809.

Each bureau has a documented history of massive data breaches compromising consumer Social Security numbers, including mine, in violation of FACTA and GLBA 501 ( b ). Retaining these unverifiable accounts after such breaches is willful and negligent noncompliance under FCRA 616 & 617.

Requested Resolution : Immediate ( within XXXX hours ) permanent deletion of all disputed accounts from my files, confirmation in writing, and assurance of no reinsertion without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

This is time-sensitive due to a pending mortgage closing ; any delay will result in substantial financial harm. These accounts are disputed under FCRA 605B as fraudulent and unauthorized, tied to personal data compromised in your prior data breaches, and its continued reporting constitutes willful and negligent noncompliance under FCRA 616 & 617, FACTA, and GLBA remove it immediately to avoid imminent federal litigation and CFPB/FTC enforcement 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX La. XXXX. Phone number XXXX email address is XXXX. About 4-5 years ago i refinanced my home to get a lower interest though the VA.this was done though a company called XXXX, phone number XXXX, Everything was fine we are up on all payments. our loan was sold to XXXX XXXX  and we were not too concerned as this is pretty common. Later this loan was sold to a XXXX XXXX finance, Kinda concern but no real problems. A friend of ours and a Real Estate Client of my wife was trying to sell her home and contacted my wife to do so, looking over her paperwork noticed she purchased her home in XXXX and still owed more than she paid for it. she has tried calling and no help. It was redone in XXXX for more than she purchased it for and says she never took any more money or signed for anything. Come to find out she was with XXXX XXXX so this raised a flag and I started checking and found out this company has had XXXX complaints with the better business bureau. many are the same thing the other friend was having. i also found that their was class action lawsuits against him. My complaint is we tried calling XXXX to ask how can they sell our mortgage to a company with this kind or reputation. we thought we were being with a company approved by VA and felt good about it. they said nothing can be done unless we refinance. We are concerned that things now are ok but most of the problems are when the loan is suppose to be paid out. Then we find out these 3 companies are all together. i don't see how these companies can just bounce us from one to another and especially with someone with the reputation XXXX XXXX has. I am concerned that if i die before this is paid off I might leave my wife with this debt. and she may be in the same position our friend is in.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I tried sending a friend a payment through cashapp, they are trying to say it goes against terms of service and froze my account on XX/XX/XXXX and still havent gotten back to me on an update or even a reason as to why it went against terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding a hard inquiry listed on my credit report that I did not approve. My personal and financial records show no related application or authorization for this inquiry.

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 2025-08-14 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:
These are not my accounts, and USC 1681g obligates their removal within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XXXX I received a letter indicating I owed {$78000.00}. I am a XXXX senior citizen XXXX XXXX XXXX. I requested in writing to prove I owned the loan. They were asking for {$100000.00}. I asked how they arrived at that figure. I ask for documentation along with these excessive amounts. They responded they didnt have the records. I didnt hear from this company from XXXX until XXXX. My wife got XXXX and she fought it for XXXX  years. I fell behind on some payments due to me paying for XXXX treatments. My wife passed away from the XXXX. After I responded for them to verify the amounts and they couldnt show me the records, they sent me a notice they were going to take my house. A company collecting for this XXXX loan told me if I pay {$1200.00} for XXXX years and not be late they wouldnt take my house. I have struggled to pay that started in XX/XX/XXXX. I paid it on time until the XXXX years was up on XX/XX/XXXX. I kept seeing that the amount kept have a big balance. I called numerous times and they told me that I needed to pay {$1200.00} until XXXX. I said that was wrong and was again told I will lose my home. I am unemployed and this is Financial senior abuse. I am permanently XXXX with a XXXX XXXX. This zombie loan was sold again on XX/XX/XXXX. The new loan servicer is Shellpoint and they refuse to tell me not only why this changed but who owns this loan. After asking this same question repeatedly with the prior servicer which was XXXX who is out of business. I was constantly threatened with losing my home by XXXX and they even put notices on my door to inspect my home. They scared me into paying and I didnt know what to do. Now they want me to keep paying and I can not afford this. I already paid {$97000.00} after XXXX  years struggling. I have been unemployed since XXXX Covid and XXXX. Please help me as I have no where to turn.They have no statements until XXXX from a loan from XXXX. Please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-14 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a debit card payment to my account on XX/XX/XXXX which allows me to access the available credit immediately. I tried to make a purchase using the available credit on XX/XX/XXXX, but my purchase was declined. I had more than enough available to make the purchase. When I called to get an explanation on why my purchase was declined I was hung up on the first time when I asked to speak with a supervisor. When I called back later I spoke with an agent that couldn't explain what happened. I then asked for a supervisor again. I was transferred to XXXX who identified herself as a supervisor. She stated that my purchase was declined because I was over the credit limit. To which I replied I wasn't over the credit limit and I had more than enough available to cover my purchase. She then stated that the purchase was declined because they sent a new card out in XXXX. I asked why would you deny my purchase because of that. My current card doesn't expire until XX/XX/XXXX! She stated she didn't know and that I could try to repurchase the items. I explained that my purchase was made over tax free weekend in my area. If I repurchase it would cost me more! She acted as if that was nothing. I requested a customer satisfaction credit to which she replied she can't do that. She stated she would give me reward points to which I replied that doesn't help me now and I need something applied to my available credit. I explained this was a major inconvenience because I was purchasing for my grandkids for school!! She refused to give me customer inconvenience credits! I'm now waiting to see if my purchase will go through, because my account is showing over credit limit due to bill cycle. I've just made another debit card payment to make sure my order doesn't get cancelled again. This unwarranted purchase decline has inconvenienced me tremendously!

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Credit Corp Solution INC.

Debt amount : {$3800.00} I am being contacted by Credit Corp Solutions Inc regarding a debt they claim is {$3800.00}.

I have not received proper validation of this debt, despite requesting it in writing on [ date you sent the letter/email ]. Under the Fair Debt Collection Practices Act ( FDCPA ), the collector must provide proof that the debt is valid and that they have the legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I took auto loan with XXXX  to payoff the balance of an off a loan with PNC. I sent the payoff to PNC and they never credited or received the payment. I contacted them several times after a months time. PNC is claiming that the check was not received at all. Now I have XXXX active auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT IS FRAUDULENT AND NEVER AUTHORIZED BY ME. THIS ACCOUNT NEEDS TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT IS FRAUDULENT AND NEVER AUTHORIZED BY ME. THIS ACCOUNT NEEDS TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX {$2900.00}

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 explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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