vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccuracy on my Innovis credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Innovis is currently reporting an incorrect phone number associated with my credit file. This incorrect number prevents me from creating an online account with Innovis, as your system uses the phone number on file for verification. This error is causing me direct harm by restricting my access to my own credit information, and puts me at risk for Identity Theft. 
Under FCRA 609 ( a ) ( 1 ), I have the right to receive all information in my file at the time of my request. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days and either correct or delete inaccurate, incomplete, or unverifiable information. Furthermore, FCRA 607 ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On or about XX/XX/year>, XXXX XXXX XXXX, XXXX ( XXXX XXXX placed a derogatory tradeline on my TransUnion consumer report in the amount of {$2400.00}. The last reported date for this entry is listed as XX/XX/year>. I have no prior knowledge, contractual relationship, or obligation regarding this alleged debt. 

Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed item and delete or correct any information found to be inaccurate or unverifiable. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnisher of information from reporting information it knows or should know is inaccurate, and 15 U.S.C. 1681s-2 ( b ) imposes an affirmative duty on furnishers to conduct a reasonable investigation upon notice of a dispute and to delete or modify any unverifiable data.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits the use of false, deceptive, or misleading representations in the collection of a debt, and 15 U.S.C. 1692g ( b ) mandates that a debt collector cease collection activities until verification of the debt is provided when a timely dispute is submitted. Credence has never provided any form of written verification or documentation substantiating the validity of this debt despite the statutory obligations under the FDCPA and FCRA.

This inaccurate and unverified reporting constitutes a willful violation under 15 U.S.C. 1681n, for which I am entitled to statutory damages of up to {$1000.00} per violation, and a negligent violation under 15 U.S.C. 1681o, for which I may recover actual damages, costs, and attorneys fees. Under 15 U.S.C. 1692k, the FDCPA also allows recovery of statutory damages of up to {$1000.00}, along with actual damages, costs, and attorneys fees.

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC
State: CT

Complaint narrative:
They froze my account on XX/XX/XXXX, for the amount {$5300.00} and {$100.00} for the judgment fee by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Judgment creditor River Heights Capital, LLC, from XXXX XXXX XXXX XXXX XXXX  that goes back to XXXX when I lived in XXXX XXXX  but now I am in another state. Now I never owned a XXXX business. I do not have any signed contracts, transactions, or affiliations with this XXXXXXXX XXXX XXXX XXXX XXXX. It is not in my wages, taxes, or SSN, and I have proof that I can show to the court, and I have only worked for employers till the present time as a single mother and XXXX XXXX XXXX XXXX. Strangely, they're not even recorded in my credit score with this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no longer exists since XX/XX/XXXX and merged with another bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  here is the info. and website below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Established : XX/XX/XXXX FDIC Insurance : XX/XX/XXXX FDIC XXXX : # XXXX Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inactive as of XX/XX/XXXX Merger - Without Assistance Successor Bank : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Established : XX/XX/XXXX FDIC Insurance : XX/XX/XXXX FDIC XXXX : # XXXX History XXXX Institution established : Original name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Moved bank headquarters from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reorganized. 
XXXX Moved bank headquarters from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Merged into and subsequently operated as part of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed voluntarily and liquidated its assets. 
This is the website XXXX XXXX XXXXXXXX I called this bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I spoke to the bank personally. They tried my first and last name of my ex and SSN ; they could not find any existing account. And she told me other people were calling on the same issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZuntaFi Corp
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute through the CFPB ( complaint ID XXXX ) regarding an inaccurate ZuntaFi Corp account ( Account XXXX ) on my XXXX credit report. In my dispute letter, I requested full legal validation of the account, including a signed contract, itemized account history, proof of legal ownership or assignment, evidence of the right to report to credit bureaus, and IRS Form 1099-C if the account was charged off or forgiven ( per IRS Code 6050P ). 

On XX/XX/year>, ZuntaFi responded in writing that they could not investigate my dispute because it allegedly lacked specific facts or information. This is incorrect ; my dispute contained my full name, address, and the exact account number as it appears on my credit report. This meets the identification requirements under 12 C.F.R. 1022.43 ( b ).

Despite having had more than 30 days since my original dispute, ZuntaFi has provided none of the requested documentation and no legal validation of the account. They have also continued to furnish this information to XXXX which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), requiring furnishers to report complete and accurate information.

Because ZuntaFi only reports to XXXX, deletion from XXXX would fully remove this account from my credit history.

I am requesting that ZuntaFi either : Provide full legal validation of the account, including : A signed contract or agreement Itemized billing statements or complete account history Proof of legal ownership or assignment of the debt Evidence of the legal right to report the account to
XXXX XXXXRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from XXXX in compliance with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to verify the accuracy of the information within the statutory timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: LEXISNEXIS
State: KY

Complaint narrative:
I HAVE SOME ACCOUNTS AND INFORMATION THAT IS NOT ACCURATE ON MY CREDIT FILES! 
XXXX XXXX is name only name. My current and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX. My is XXXX XXXXXXXX  My SS XXXX. Please delete any and all adresses and name variations. some has been using my name and a unknown SS XXXX is appearing on my file. I would like to request a full CORE LEXIS NEXIS REPORT ASAP. PLEASE DELETE THE FRAUDULENT XXXXXXXX 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 
PLEASE REMOVE THE INACCURATE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been a victim of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX and XX/XX/XXXX, Bank of America reported my account delinquent for a {$6.00} balance without any prior notification by email, mail, phone, or text. I discovered this issue on XX/XX/XXXX, when I pulled my credit report. I immediately contacted Bank of America and spoke with several representatives, including XXXX XXXX ( Customer Service/Underwriting Representative ), XXXX XXXX ( Supervisor, Escalations ), XXXX XXXX ( Underwriting Department Representative ), XXXX XXXX XXXX Escalations Underwriting Department Representative ), and XXXX XXXX ( Credit Card Underwriting Escalations Manager ). 

I have been a Bank of America customer since XXXX with an immaculate payment history. If you review my credit, you will see it has been in good standing. If I had been aware of the {$6.00} balance, it would have been paid promptly. There is no reason for me not to pay this ; however, I was simply not aware of it. 

Bank of America stated that my statements were being emailed to me at the correct email address on file ; however, I have not received any emails since XXXX. I checked my inbox thoroughly and confirmed the last statement I received from Bank of America was on XX/XX/XXXX. I am attaching a screenshot of my inbox as evidence. When I called on XX/XX/XXXX, regarding this issue, Bank of America claimed they had been emailing my statements. Coincidentally, on XX/XX/XXXX XXXX day after my complaint I received a statement. At that point, it was too late, as the account had already been reported delinquent. I was also told that my account is self-service and it is my responsibility to monitor balances and payments. 

Bank of America reopened my account as of XX/XX/XXXX. Despite this, the delinquency and credit inquiry related to the account reopening remain on my credit reports, resulting in a significant drop in my credit score. This has had a direct and severe impact on my ability to purchase a home, as I am currently in the home-buying process. It is also costing me countless hours in trying to resolve this issue.

Under the Fair Credit Reporting Act, I should have been notified of any past due balances or adverse actions on my account. However, I never received any notification by email, mail, phone call, or text regarding the {$6.00} delinquent balance. This lack of communication is unfair and has led to inaccurate reporting that has significantly harmed my credit.

I requested removal of the delinquency and credit inquiry, but Bank of America continues to report the account as delinquent and has denied the initial Customer Service Adjustment Form. I have made multiple attempts to resolve this directly with the company, but the inaccurate reporting remains.

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 2025-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing inaccurate and duplicate account information being reported by XXXX  and displayed in Capital Ones XXXX monitoring tool. These errors are negatively impacting my credit profile and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Details : XXXX. XXXX There are two separate entries. The entry dated XX/XX/XXXX is a duplicate/inaccurate record. Only the XX/XX/XXXX entry should remain. 
XXXX. XXXX XXXX XXXX XXXX XXXX entries are inaccurate and should be removed. 
XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and should be deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX The entry dated XX/XX/XXXX is inaccurate and should be removed.

These items are inaccurate and/or duplicates and do not reflect my actual credit history. They have not been verified with proper documentation and are therefore in violation of FCRA 1681i ( Reinvestigation of disputed information ) and 1681s-2 ( a ) ( Furnishers duty to provide accurate information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and duplicate account information being reported by TransUnion and displayed in XXXXXXXX XXXX XXXXXXXX monitoring tool. These errors are negatively impacting my credit profile and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Details : XXXX. XXXX There are XXXX separate entries. The entry dated XX/XX/XXXX is a duplicate/inaccurate record. Only the XX/XX/XXXX entry should remain. 
XXXX. XXXX XXXX XXXX XXXX XXXX entries are inaccurate and should be removed. 
XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and should be deleted. 
XXXX. XXXX XXXX via XXXX  The entry dated XX/XX/XXXX is inaccurate and should be removed. 

These items are inaccurate and/or duplicates and do not reflect my actual credit history. They have not been verified with proper documentation and are therefore in violation of FCRA 1681i ( Reinvestigation of disputed information ) and 1681s-2 ( a ) ( Furnishers duty to provide accurate information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I have called the Bank twice and I have chatted with them twice. I had notified them on all four occasions that I have not received one item from my order. They said that they would investigate, but apparently we never did so. I took it upon myself to just cancel the order Which meant I shouldve gotten a refund. I was well within my rights. I was told by everybody in thought that I was able to cancel my order and for everything I can see the order has been canceled, but now youre sending me a message telling me I need to return the merchandise to you what merchandise I never received anything and when you call the company thats supposed to be shipping it to me they just keep delaying it over and over and over again they dont have any clue when it will arrive so the order has been canceled. I havent received anything so what do you want from me? I should owe you nothing. My account should show a XXXX balance I should be in good standing with you so thats possibly in the future. I could use your services and again theres nothing to give back. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There is a fraudulent XXXX XXXX account ending in XXXX on my credit report. This is not my credit card account. I am a victim of identity theft and have an Identity Theft Report with FTC. Please see the attached document. I request to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-08-09 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint against Shepherd Outsourcing for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, in connection with their attempts to collect an alleged debt amounting to {$18000.00} originating from XXXX XXXX XXXX XXXX. ( Reference # : XXXX ) that has not been properly validated. Despite my written dispute and cease-and-desist demand dated XX/XX/year>, Shepherd Outsourcing has failed to provide legally required verification, including proof of ownership, itemized accounting, and signed agreements establishing my liability. The alleged debt has already been discharged by the creditor and may have been extinguished through insurance, government relief, or securitization, which nullifies any right to collect. Their continued collection efforts and potential credit reporting without proper validation constitute willful violations of federal law and cause ongoing harm, including emotional distress, reputational damage, and time lost in defending against an invalid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — FHA 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: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am writing regarding my mortgage with United Wholesale Mortgage. On XX/XX/2025, XXXX XXXX  received a payment of {$90.00} from me. On XX/XX/2025, a payment of {$3200.00} was also received. Together, these payments total {$3200.00}, which was intended as an early payment for my XX/XX/XXXX  mortgage. 

On XX/XX/2025, my loan was transferred to a new servicing lender under the United Wholesale Mortgage umbrella. Immediately after the transfer, I contacted the new servicer multiple times via their online portal and by phone to inform them that my XXXX payment had already been made to the prior servicer in XXXX. I also provided a copy of my payment history showing : {$90.00} recorded as an unapplied payment. 

{$3200.00} recorded as an additional principal payment ( which is incorrect ). 


I clarified that the {$3200.00} was not an additional principal payment, but part of my XXXX mortgage payment. My records show that I have never made an additional principal payment of that amount. 

The new servicer, however, insists that the {$3200.00} was applied to principal and that my XXXX payment has not been made. They have since sent me two letters, one stating that I am two months delinquent and warning of possible legal action, despite the fact that federal mortgage servicing rules give the new servicer 60 days after a loan transfer to investigate and correct any payment application errors. 

This situation is causing undue stress, and I request that my account be corrected immediately to reflect my XX/XX/2025 payment as made and current.

Company response to consumer: Closed with explanation