vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion report because the reporting is inaccurate, incomplete, or unverifiable. 

Charged Off Accounts 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

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 2025-11-24 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
THIS ACCOUNT IS NOT FRAUDDLENTTHIS ACCONT WAS PAID IN FULL FOR AFFIRM AND IT should be reporting as PAYED IN FULL! NOT XXXX FRAUD THIS IS NOT FRAUD THIS NEEDS TO BE UPDTAED AS PAYED IN FULL I DONT OWE THEM ANYTHIGN I XXXX PAYED THE XXXX ACCOUNT!!!!!!!!!! MY XXXX should reprot as i payed it i have receipts i lincluded reipts i included bank statmenets of that transaction going out of my bank accoutn and also a letter from AFFIRM HEADQUARTERS SAYING THE ACOUNT WAS PAID IN FULL! 

UPDATE MY XXXX its been 9 months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 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: TX

Complaint narrative:
I am filing this dispute because I believe several items being reported on my credit file are inaccurate, incomplete, or unverifiable. I am requesting a full investigation under the FCRA to ensure that only fair, accurate, and verifiable information remains on my credit reports. 
Please review the disputed accounts listed under each bureau below. 

Charged Off Accounts ( Disputed 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

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 2025-11-24 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
THIS XXXX ACCOUNT WAS PAID IN FUll i have been saying this for the past XXXX  months and XXXX doesnt update thier records! 

i have a CITIZENS BANK LETTER I LITERALLY HAVE XXXX LETTERS IN THE ATTACH XXXX THAT SAY MY ACCOUNT SHOULD NOT REPORTING AS A CHARGE OFF I XXXX PAYED MY CAR IN FULL XXXX XXXX XXXX DOLLARS I PAYED AND XXXX  XXXX AND XXXX IS MARKING IT LIKE I DID NOT!!! WHAT DA XXXX!!!!!!!!!!!!!!! 

Record confirms auto loan ending in XXXX charged off on XX/XX/XXXX, in the amount of {$940.00}. We posted a payment of {$470.00} on XX/XX/XXXX, which settled the account in full. 
Should you have any further inquiries, please contact me directly at XXXX Monday through Friday from XXXX AM until XXXX PM XXXX Standard Time ( EST ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Due to my personal data being exposed in multiple data breaches, I am disputing these accounts because they may be inaccurate, incomplete, or the result of unauthorized use. I request Experian to verify each item according to FCRA standards. 

Charged Off Accounts XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} Late Payments 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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Several conversations with representatives at Shellpoint ( for hours at a time ) throughout the months of XXXX to try and find out about " recasting '' our loan when we make a principal payment. Representatives did not have the info needed, but said they would look into it and to call back. Was told in early XXXX that we would need to make the principal payment FIRST before any paperwork would be sent out. That sounded odd -- -nothing in writing. Made the lump-sum principal payment of {$50000.00} around late XXXX and waited. Nothing. Called back in XXXX to find out why we hadn't received any paperwork ; the representative then told us there was no paperwork and that the previous representative had told us to do the incorrect thing. He said he was working with a supervisor to straighten it out ( that was over an hour later ). Paid the recast fee and was told that everything was done and that our XX/XX/XXXX bill would reflect that. Again, incorrect. When we received our XXXX bill, it did not reflect anything -- -just the standard amount. Called Shellpoint, yet again. Talked with representative who then forwarded me to the " escalation '' team ( an hour later ). The " Escalation '' team representative informed me that, again, the previous representative had told me incorrect info ; that some paperwork had to be sent to us to sign. She also told me that ( in spite of the {$50000.00} payment over-a-month before and the {$250.00} recast fee as required by Shellpoint ) the paperwork had never even been generated and it would take 48 hours for it to be generated. Now I'm waiting on them to generate the paperwork and send to my email so I can then sign and wait another 30 days ( per the escalation representative ) for it to take effect. Our loan was originally XXXX XXXX or XXXX XXXX ; both companies I have had a long relationship with and trust. We chose a mortgage company we trusted when we bought our home; now we've ended-up with a Shellpoint ; a company that I absolutely do not trust at all. Shellpoint has shown me that they had no intention at all of ever fulfilling the recast. If not for my calls, no one at the company would have ever completed any tasks that are required.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I remitted XXXX XXXX dollars to XXXX through their designated representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Co. XXXX ABA # XXXX, Account # XXXX. The reason I had to remit this amount was because I had a supposed friend loan me XXXX and it was transferred into my account through bit coin. They received the funds with no problem. The balance of my account at that time was {$550000.00}. I requested to withdraw XXXX dollars at that time to pay my property tax. They refused my request stating the XXXX bit coin transfer into my account. They said it could possibly be XXXX XXXX. They stated they would put my account into risk management and I could only free up my money if I sent them XXXX to remove the risk management. It did not make sense to me, but they said upon investigation they would put the money in my account. I tried following up with them several times and I just keep getting the run around. Since then they have barred me from withdrawing any money from my account and will not communicate with me at all. I went to their site this morning they will allow me to trade but not give me access to my money. I believe this to be a fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: LA

Complaint narrative:
XX/XX/year> went got a car loan from XXXX XXXX XXXX at first I was denied then I was approved I put down {$3000.00}. I left the dealership and didnt leave with my car. Two weeks later I got my car and a car payment wasnt due til 8 months later. Then they began to bill me double what my original amount was. Went from {$280.00} to {$460.00} a month. I complained about certain things with the company and my complaints were ignored. Car was {$8000.00}. Interest went up to {$18000.00}.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am requesting a reinvestigation into the following charged-off and public-record-related entries, as they appear inaccurate or incomplete : Charged Off XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$460.00} Public Record / XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} ( Please verify the accuracy, completeness, and jurisdictional reporting requirements. )

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 2025-11-24 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: IN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-24 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 am a consumer working to fix my credit. I am requesting a full reinvestigation of the items listed below. These accounts and inquiries appear inaccurate, unverifiable, and/or inconsistent across the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), any item that can not be fully verified must be removed. 
CHARGED-OFF ACCOUNTS XXXX XXXXXXXX XX/XX/XXXX {$1300.00} INQUIRIES 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

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 2025-11-24 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:
Please inspect the materials ; the questions came without prior communication and might not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following charged-off account because the information being reported is inaccurate and not fully verifiable : Charged Off XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/year>, {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding USAA Federal Savings Bank due to their improper handling of my account closure and continued withholding of my funds. USAA unilaterally closed my checking account without appropriate or sufficient notice. The only notification was a message placed within the mobile appno email, no mailed letterleaving me without meaningful awareness or time to relocate my funds before restrictions were imposed. 
On XX/XX/year>, I submitted a dispute involving charges from XXXX XXXX. I was informed multiple times that the investigation would be resolved within XXXX days. On XX/XX/XXXX, USAA confirmed they had received the merchants response and possessed all necessary information to render a decision. However, they have still taken no action to conclude the case or release my funds. 
Despite notifying me that the account would be closed, USAA has continued to accept deposits into the account while preventing all access to those funds. I have been told that the funds totaling approximately {$4000.00} will not be released for XXXX  days, meaning I would not regain access until about XXXX. 
These are essential living funds required for rent and utilities. Because USAA has withheld access to my own money, my utilities have been disconnected, and I am currently facing eviction and the imminent risk of homelessness. 
I requested a clear and specific reason for the account closure. The only explanation provided was a vague reference to a depository conflict, supported by a regulatory packet thousands of pages long that offers no understandable reasoning for an average consumer. No reasonable, direct explanation has ever been given. 
USAA assigned an Advocacy Advisor, XXXX, to assist me. However, despite calling repeatedly over the course of more than XXXX days, she has been completely unreachable. This gives the appearance that representation and support were offered merely as a formality, not as genuine assistance, while USAA moved immediately to close my account without any specific or transparent justification. 
On XX/XX/year>, a representative named XXXX informed me that canceling the dispute might expedite the release of my funds. Given the severity of my situation and the ongoing delays, I agreed to cancel the dispute solely so that I could attempt to access the money I need to survive. At this stage, the urgent need for my funds outweighs the prolonged and unexplained handling of the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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