vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
I am submitting this dispute statement for my credit report with Experian regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2400.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$16000.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$660.00} XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} AXXXX XXXX - Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$0.00} AFFIRM XXXX - Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$0.00} XXXX  - Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$940.00} XXXX  - Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX CREDIT CARD - Account Number XXXX XXXX Date Open : XX/XX/XXXX Balance : {$720.00} Inquiries : XXXX OF XXXX - Date Open : XX/XX/XXXX XXXX - Date Open : XX/XX/XXXXXXXX XXXX XXXX SERVICE - Date Open : XX/XX/XXXX XXXX CARD - Date Open : XX/XX/XXXX TD RETAIL XXXX XXXX - Date Open : XX/XX/XXXX Late Payment Accounts : XXXX - Account Number : XXXX XXXX MTR - Account Number : 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Subject : XXXX Wrongfully Reported a Late Payment After Turning Off My Auto-Pay and Blocking Manual Payment Attempts Details of the issue : I am filing this complaint because XXXX incorrectly XXXX a late payment on my student loan account. The late payment was not due to any fault of my own but to MOHELAs system errors. 
I had auto-pay enabled and active for my account, and I always maintained sufficient funds to cover my monthly payments. However, XXXX turned off my auto-pay without my authorization or proper notice. As a result, my scheduled payment was not processed. 
When I realized this, I immediately attempted to make the payment manually through MOHELAs website and other available channels, but the system would not allow me to submit the payment. Despite these efforts, XXXX later reported my account as late to the credit bureaus. 
This late payment was caused entirely by MOHELAs internal issues, not by any failure or negligence on my part. The false reporting has caused harm to my XXXX XXXX and overall creditworthiness. 
Servicer name : XXXX XXXX Missouri XXXX XXXX XXXX XXXX XXXX Credit bureaus showing the error : [ Equifax, Experian, TransUnion ] I contacted XXXX to dispute the inaccurate reporting and provided proof that auto-pay had been active and that I had sufficient funds. However, the company has not corrected the issue, and the late payment remains on my credit reports. 
Desired resolution : I request that the CFPB investigate this issue and require XXXX to : * Correct the inaccurate late payment on all credit bureau reports * Confirm in writing that my account is current and in good standing * Ensure that this type of auto-pay deactivation and payment blockage does not recur Attachments ( recommended ) : * XXXX or document showing auto-pay was active before the missed payment * Bank statement showing sufficient funds were available * Proof or screenshots of failed manual payment attempts * Correspondence with XXXX regarding this issue XXXX Credit report excerpt showing the false late payment Your contact information : * Full name : [ XXXX XXXX ] * XXXX XXXX [ XXXX XXXX XXXX ] * Phone : [ XXXX ] * Email : [ 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 non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
Subject : XXXX Wrongfully Reported a Late Payment After Turning Off My Auto-Pay and Blocking Manual Payment Attempts Details of the issue : I am filing this complaint because XXXX incorrectly XXXX a late payment on my student loan account. The late payment was not due to any fault of my own but to MOHELAs system errors. 
I had auto-pay enabled and active for my account, and I always maintained sufficient funds to cover my monthly payments. However, XXXX turned off my auto-pay without my authorization or proper notice. As a result, my scheduled payment was not processed. 
When I realized this, I immediately attempted to make the payment manually through MOHELAs website and other available channels, but the system would not allow me to submit the payment. Despite these efforts, XXXX later reported my account as late to the credit bureaus. 
This late payment was caused entirely by MOHELAs internal issues, not by any failure or negligence on my part. The false reporting has caused harm to my XXXX XXXX and overall creditworthiness. 
Servicer name : XXXX XXXX Missouri XXXX XXXX XXXX XXXX XXXX Credit bureaus showing the error : [ Equifax, Experian, TransUnion ] I contacted XXXX to dispute the inaccurate reporting and provided proof that auto-pay had been active and that I had sufficient funds. However, the company has not corrected the issue, and the late payment remains on my credit reports. 
Desired resolution : I request that the CFPB investigate this issue and require XXXX to : * Correct the inaccurate late payment on all credit bureau reports * Confirm in writing that my account is current and in good standing * Ensure that this type of auto-pay deactivation and payment blockage does not recur Attachments ( recommended ) : * XXXX or document showing auto-pay was active before the missed payment * Bank statement showing sufficient funds were available * Proof or screenshots of failed manual payment attempts * Correspondence with XXXX regarding this issue XXXX Credit report excerpt showing the false late payment Your contact information : * Full name : [ XXXX XXXX ] * XXXX XXXX [ XXXX XXXX XXXX ] * Phone : [ XXXX ] * Email : [ 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 2025-11-05 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: GA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report that I believe to be inaccurate or incomplete. As a consumer seeking to repair my credit, I am requesting a thorough investigation and resolution of the following accounts under the Fair Credit Reporting Act ( FCRA ), specifically under 607 ( b ) and 609 of the FCRA, which mandates that information on my credit report be accurate, verifiable, and complete. If any of these accounts can not be verified, I respectfully request that they be removed in accordance with FCRA requirements. 

Please review the disputed accounts and inquiries as listed below, and ensure compliance with the XXXX XXXX format and FCRA guidelines in the process of your investigation. 

TRANSUNION CHARGED OFF : XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1000.00} Dispute : I dispute this entry because it does not reflect my payment history. Please verify or remove this account if it is not substantiated. 

XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$52.00} Dispute : The reporting of this account is inaccurate. I request verification or removal if no proof is provided. 

INQUIRIES : XXXX  Date Opened : XX/XX/XXXX Dispute : This inquiry was unauthorized. I request its removal if no consent can be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Dispute : I do not recognize this inquiry. Please provide supporting documentation or remove it. 

XXXX XXXX  Date Opened : XX/XX/XXXX Dispute : This inquiry is in dispute. If it was not authorized, please remove it from my report. 

XXXX XXXX Date Opened : XX/XX/XXXX Dispute : Please verify this inquiry. If it can not be substantiated, it should be removed. 

LATE PAYMENTS : XXXX Account Number : XXXX * * * * Dispute : I dispute the accuracy of this reported late payment. Please verify and correct or remove the entry.

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 2025-11-05 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: WI

Complaint narrative:
XXXX contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A mortgage loan through XXXX XXXX XXXX was secured 22 years ago. XXXX transferred the loan to Shellpoint late XXXX. A Notice of Servicing Transfer from XXXX or Shellpoint was never provided, and has not been provided upon request. A {$60000.00} payment was made XX/XX/XXXX to Shellpoint, agreement for total to be applied to principal. {$54000.00} was applied to principal, remainder applied to what the company said was nonpayment from XX/XX/XXXX. Proof of payment was provided to Shellpoint, along with payments dating back to XX/XX/XXXX, having never missed a payment. I've contacted XXXX and Shellpoint for proof of nonpayment, and have provided actual proof of payments. XXXX states that though they transferred the loan around XX/XX/XXXX, they have no records of the loan. Shellpoint will provide nothing, though over the phone they've agreed that their records are incorrect and the full {$60000.00} should have been applied to the principal.

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 2025-11-05 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: GA

Complaint narrative:
I am disputing the following accounts reported on my Equifax credit report. I request that they be verified or removed if they can not be verified. 

CHARGED OFF FRMRS FURN Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX FUNDING Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Date Opened : XX/XX/XXXX ODE Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am a college student and part-time freelancer. I am filing this complaint because Bank of America suddenly closed my checking account and labeled it as fraud, despite the fact that the funds I received were from a legitimate client payment. 

I received a wire transfer of {$8300.00} from my client, XXXX XXXX XXXX, through XXXX Bank, as payment for freelance work I completed. I have full documentation of the project and proof of the wire transfer. After receiving the payment, I transferred {$7800.00} to my verified Coinbase account because I was interested in investing part of my earnings. 

Shortly after that, Bank of America closed my account without notice and stated that the account was involved in fraud. When I called the XXXX XXXX Department, they refused to provide any specific details and only said that the bank had decided to end the relationship. I offered to share all documentation proving that the transaction was legitimate, but they did not review or consider my evidence. 

My client, XXXX XXXX XXXX, also contacted XXXX Bank to work with Bank of America to confirm the legitimacy of the payment, yet the matter remains unresolved. 

This was my first freelancing job, and as a student working hard to earn money for tuition, this situation has caused me serious financial and emotional stress. I have never been involved in any fraudulent or criminal activity. 

I believe Bank XXXX XXXX actions were unfair, unreasonable, and made without a proper review of the facts. 

I respectfully request that Bank of America : Review my case again through the XXXX XXXX XXXX Department. 

Verify the legitimacy of the wire transfer with XXXX Bank and my client, XXXX XXXX XXXX. 

Allow me to reopen my account or open a new one, with any appropriate safeguards to prevent misunderstandings in the future. 

Release my remaining funds immediately and confirm in writing that I am not accused of any wrongdoing. 

The XXXX XXXX Department has been unhelpful, and I have not received any written confirmation or a clear timeline for when my funds will be returned. I am asking for higher-level assistance to correct this misunderstanding and to restore my banking relationship. 

Bank Name : Bank of America XXXX XXXX : Risk Closure Department, Customer Service Date of Account Closure : XX/XX/year> Amount Involved : {$8300.00} Client Name : XXXX XXXX XXXX ( sender of wire transfer ) from XXXX Bank, and XXXX Bank is also reaching out to Bank of America Your Contact Information : XXXX and phone number : ( 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 monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have sent letters of cease and desist. I have also sent letter for validation of debt and asked for 1099-C form for all the charge-offs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 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: IN

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 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 2025-11-05 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: IN

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding CashApp handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous of times and reporting discrepancies, my financial institution Cash App failed to investigate my claims adequately. They informed me that recovery lost funds was impossible in that track in these transactions was unfeasible. The CFPBs finding indicated that Cash App has not only neglected to protect customers but also has allowed repeated offenders to exploited the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: BTH Management
State: VA

Complaint narrative:
XXXX beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an account that appears on my credit report which I did not open and do not recognize. The account information is as follows : Account Name XXXX XXXX Account Number XXXX XXXXXXXX Account Type : Charge Card Responsibility : Individual Date Opened XXXX XXXXXX/XX/XXXX Status : Closed {$4500.00} written off ( Status updated XX/XX/XXXX ) Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$3900.00} Highest Balance : {$4500.00} I have no knowledge of this account and never applied for or authorized any account with XXXX. I believe this account may be the result of identity theft or a reporting error. 

I have contacted the creditor and the credit bureaus to dispute this account and requested validation or proof of authorization, but have not received adequate documentation verifying that I opened or am responsible for it. Despite this, the account continues to appear on my credit report as charged off, negatively impacting my credit profile. 

I am requesting that the CFPB investigate this matter and require XXXX  to provide documented proof that I opened this account. If such proof can not be produced, I request that this account and all associated negative information be deleted from my credit file with all major credit reporting agencies. 

I am attaching supporting documentation, including copies of my credit report showing the account, my dispute correspondence, and proof of identity.

Company response to consumer: Closed with explanation