vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I fell into hard times after an accident and was not able to work anymore. I tried to make the payments, but just could not do it. So, XXXX XXXX closed and charged off the account. I didn't receive the 1099C, and this is on my credit report as negative. It was over {$600.00}. It was {$1900.00}

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 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On the deed of trust I am the borrower and trustor/ grantor given permission for the beneficiary to go into my trust account a trust account that I had no knowledge of, however they did and they knew that I was unaware of the facts. This is Deceptive, misleading fraudulent. I requested that they ceased and the desist from all unlawful collections. Yet they have threaten to foreclose on a house that has already been paid for from my trust account. With a court date of XXXX XXXX2025.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: CA

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 information, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CO

Complaint narrative:
WARNING this is your cease and desist to STOP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT! I filed a formal complaint on XX/XX/year> sending in proof of inaccurate information being reported by you, your only response is the account is verified but the information is false and inaccurate. IF YOU CONTINUE TO REPORT THE FOLLOWING ACCOUNTS I WILL PROCEED WITH LEGAL ACTION AND SUE THIS C.R.A ALONG WITH THE FOLLOWING CREDIT CARD COMPANIES WITH THE FULL POWER OF THE LAW BEHIND ME. In accordance with the information in complaints number ( experian- XXXX ( Equifax-XXXX  ) and XXXX TransUnion-XXXX ) regarding XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX YOu ARE VIOLATING and BREAKING THE LAW DELETE AND REMOVE THESE ACCOUNTS IMMEDIATELY AND NO LONGER REPORT THEM OR LEGAL ACTIONS WILL FOLLOW FOR MONETARY AND PUNITIVE DAMAGES FOR THE LAST 5 YEARS OF YOUR UNLAWFUL AND ILLEGAL REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EGL US, LLC
State: TX

Complaint narrative:
i was paying every week. thin they went up for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I submitted multiple disputes to Early Warning Services regarding an inaccurate and damaging entry on my consumer report. During the initial 30-day dispute period, Early Warning failed to provide any supporting documentation, verification, or results of a reinvestigation, as required under 15 U.S.C. 1681i ( a ) ( FCRA 611 ). 

Despite multiple follow-up emails, I received no evidence, no meaningful updates, and no compliance with their legal obligation to verify the accuracy of disputed information. On a recorded call at XXXX XXXX  Central Time on XX/XX/2025, a representative explicitly admitted that Early Warning does not hold any evidence to support the disputed entry and told me I would need to contact the data furnisher directly. This confirms that no reasonable investigation was ever conducted.

Additionally, Early Warnings written responses relied on circular reasoning without explaining the basis for their decision, violating the requirement to provide notice of investigation results and supporting information under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ). Their refusal to disclose investigation details or provide copies of evidence also violates FCRA 610, which governs the consumers right to access information used in file maintenance.

By continuing to report unverifiable, unsupported information, Early Warning is in breach of FCRA 607 ( b ), which requires reasonable procedures to ensure maximum possible accuracy, and 616 and 617, which outline liability for willful and negligent noncompliance. 

I am requesting full removal of the inaccurate information and formal confirmation of deletion. XXXX XXXX actions have caused harm to my creditworthiness, and I reserve the right to pursue legal remedies under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of XXXX I called my store credit card ( Kohl 's Capitol One ) to inquire the payoff amount. I was told it was {$1000.00}. A check for that amount was mailed on XX/XX/XXXX and cashed on XX/XX/XXXX. The next month ( XXXX ) my statement had a XXXX balance. The following month ( XXXX ) I received a new statement saying I had a credit of {$28.00}. Misunderstanding thinking it was also owed, another check was sent for the XXXX. When the XXXX statement arrived, it said I had a {$400.00} transaction even though I have not used the card? Deducted from this was the XXXX, but, interest was charged which left a {$380.00} balance. I tried calling Kohl 's XXXX times, but, was hung up on when I requested a supervisor? Today I called Capitol One and was told that they had made an error and I was required to pay the {$380.00} or I would be charged aditional interest and late fees. This was not a standard transaction, but, supposedly to correct an error on Capitol Ones behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Pollack & Rosen, P.A.
State: CA

Complaint narrative:
I have been emailing back and forth with debt collector and they agreed via e-mail a payment plan. 

When calling they had no record of the e-mail and denied it being their e-mail comes from their domain. 

They wouldnt honor what was said in the e-mail and have e-mailed me at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2019, Balance : {$36000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2019, Balance : {$14000.00}

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 2025-06-10 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: SC

Complaint narrative:
This is a formal complaint and demand for investigation regarding inaccurate and misleading credit reporting by Equifax and the furnisher XXXX XXXX. 

Attached is a snapshot of my reported payment history. The record clearly shows inconsistent and inaccurate data that violates the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ) and 623, which require consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

The Issues : XXXX XXXX is reporting continuous CO ( Charge-Off ) statuses across multiple months in XXXX ( XXXX through XXXX ) and again in XX/XX/XXXX, even though months prior to XXXX show a paid/OK status. 

There are no notations of delinquencies or progression ( 30, 60, 90 days late ) just an abrupt and sustained CO with no context, balance updates, or corrections. 

This payment history misrepresents the timeline and condition of the account and does not meet the standard of factual completeness required under the FCRA. 

This account is being reported as current and paid in full from XX/XX/XXXX through XXXX XXXXthen suddenly coded as " CO '' in XXXX through XX/XX/XXXX without any notice of delinquency in the preceding months. This is factually and legally contradictory. A charge-off can not occur without prior delinquency reporting. 

My Demands : Immediate reinvestigation and removal of the inaccurate payment history data related to this account on my Equifax report. 

Full deletion of the account if XXXX XXXX can not provide proper documentation showing a legitimate and lawful reporting sequence in accordance with FCRA guidelines. 

Explanation of how a charge-off was allowed to report without a standard progression of missed payments or delinquency notices. 

The continued reporting of this false, damaging, and incomplete data is a willful violation of the FCRA and is harming my credit and credibility. 

This is your opportunity to correct this unlawful practice before further legal steps are taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for its continued failure to accurately report my personal identifying information, despite multiple disputes I have submitted. 

My correct legal name is XXXX XXXX. However, Equifax continues to inaccurately report the following false names and address on my consumer file : XXXX XXXX XXXX this is not my name XXXX XXXX XXXX this is also not my correct legal name XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX this is not my address I have previously submitted disputes directly to Equifax confirming my correct name and address. Despite this, the inaccurate information continues to appear in my file. 

These errors are not minor they create confusion, affect my creditworthiness, and potentially expose me to identity-related issues. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information in my file.

15 U.S.C. 1681i ( a ) : They have failed to conduct a proper reinvestigation after receiving my disputes.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : They are knowingly continuing to report false information.

15 U.S.C. 1681c ( f ) : They are reporting false identifiers not linked to me.

I am asking the CFPB to take regulatory action to compel Equifax to : Immediately and permanently remove the false names and address from my credit report.

Acknowledge in writing that my consumer file has been corrected and now reflects accurate, verified information.

Investigate whether Equifaxs failure to correct these known errors constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, which allow for civil damages. 

I respectfully request your help in resolving this issue. Ive done my part to correct the errors directly with Equifax, but they have ignored my documentation and legal rights. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

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 information, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

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 information, 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/year>, I discovered a fraudulent credit card account under the name XXXX XXXX with a balance of {$320.00} on my credit report. This account was opened without my authorization as a result of identity theft. 

Upon noticing this account, I immediately reported it as fraud to the credit reporting agencies and to XXXX XXXX XXXX Despite my efforts, the fraudulent account has not been removed from my credit report, and the balance remains listed under my name. 

I have provided the necessary documentation to demonstrate that this account was opened without my knowledge or consent, including a FTC Identity Theft Report, and other supporting documents. 

I request that this account be fully investigated, removed from my credit report, and any associated negative impact on my credit history corrected.

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