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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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. The following inquiries are not authorized. Please remove it from my credit report immediately SXXXX 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 XXXX XXXX XXXX  XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting a formal request to have this incorrect account removed from my credit report, as I never authorized its creation or use. Attached are the necessary documents to support my case.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Message / Explanation : I am disputing inaccurate personal information listed on my credit report. The information currently reported is incorrect and does not reflect my accurate personal or employment history. 

Addresses : The address XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX is not current. I have not lived there since XXXX. 
My current physical and mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Employment Information : I am no longer employed at The XXXX. 
I am no longer employed at XXXX XXXX XXXX, having left in XX/XX/XXXX. 
I am currently XXXX  as an XXXX XXXX 

I request that all inaccurate information, including addresses, employment records, collection accounts, or other accounts reported incorrectly, be investigated and removed from my credit report.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Message / Explanation : I am disputing inaccurate personal information listed on my credit report. The information currently reported is incorrect and does not reflect my accurate personal or employment history. 

Addresses : The address XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX is not current. I have not lived there since XXXX. 
My current physical and mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Employment Information : I am no longer employed at The XXXX. 
I am no longer employed at XXXX XXXX XXXX, having left in XX/XX/XXXX. 
I am currently XXXX  as an XXXX XXXX 

I request that all inaccurate information, including addresses, employment records, collection accounts, or other accounts reported incorrectly, be investigated and removed from my credit report.

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 — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I have tried numerous times in the past to confirm my balance, etc. however, I would always give up trying and decide to try later. Today I exhausted all options available on their website short of contacting them via mail... I received confirmation of my log-in name but the system does not send requested password information ( checked spam folder ).. I tried calling their customer service ( XXXX ) XXXX and all related options are limited to current balance, etc. XXXX message I heard provided a fax number which I tried but was unable to connect ( recorded response was that number was unattended and to please leave a message - wasn't a fax ) I phoned the number and tried to leave a message but the recorder clicked off before I could speak. 

Perhaps this may not seem like a big issue but this isn't the XXXX  time I have attempted to contact them ... and, while I am not a conspiracy theorist, there are numerous red flags... XXXX customer service # that leads you only to recordings, no ability to contact technical issues, and further contact information that goes nowhere... I jokingly thought that perhaps I would stop making payments and THEN I might be able to get their attention... BUT, I can't find out HOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was solicited by Chase for a XXXX Credit Card with promotional XXXX percent interest. I applied online and received a message that a decision would be made in XXXX XXXX XXXX  days. I received an email notification from XXXX  that a Chase XXXX had been issued with a credit line of {$8800.00}. I never received a card and called Chase directly for status. When I applied my XXXX score was XXXX with no negative remarks. After speaking to Chase they said the application was denied do to limited credit and the notice was sent to an undisclosed address. I have very good credit and have an XXXX XXXX  and XXXX card with limits exceeding the {$8800.00} initial approval by Chase. I have attached my credit report as as of XX/XX/year> the day the application was done online.

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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my researchPORTFOLIO RECOV ASSOC 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Fraudulent company ( Waypoint Resource Group , LLC ) sending letter about debt that is not owed at all

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because an account listed as CAPITAL ONE XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/ Balance Owed {$0.00}, XXXX XXXX XXXX XXXX  is being falsely reported on my credit report. I have no knowledge of this account, and it is completely unverifiable. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) and has negatively affected my credit profile. I am requesting an investigation and deletion of this false account from my credit reports.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi CFPB, Im filing a complaint about a collection account that recently showed up on both my XXXX  and TransUnion credit reports from a company called XXXX XXXX, XXXX, listed as XXXX, for about {$2900.00}. 
I want to be very clear : I do not owe this debt, and Ive never had any relationship with XXXX XXXX or the company they claim to be collecting for. Ive received no letters, no calls, no emailsnothing. This account just appeared out of nowhere, and its completely inaccurate.

Im really frustrated because this is affecting my credit, and Ive worked hard to keep everything in good standing. I believe this is either a reporting error or a case of mistaken identity, and I want it investigated and removed if they cant prove its valid.

Please help me get this resolved. I shouldnt be held responsible for something I dont owe.

Thanks again.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi CFPB, Im filing a complaint about a collection account that recently showed up on both my Experian and XXXX  credit reports from a company called XXXX XXXX, XXXX, listed as XXXX, for about {$2900.00}. 
I want to be very clear : I do not owe this debt, and Ive never had any relationship with XXXX XXXX or the company they claim to be collecting for. Ive received no letters, no calls, no emailsnothing. This account just appeared out of nowhere, and its completely inaccurate.

Im really frustrated because this is affecting my credit, and Ive worked hard to keep everything in good standing. I believe this is either a reporting error or a case of mistaken identity, and I want it investigated and removed if they cant prove its valid.

Please help me get this resolved. I shouldnt be held responsible for something I dont owe.

Thanks again.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> I tried to send money through bank account ( chase ) using XXXX  but then my friend changed the number so i sent it to previous number which my money went out but my friend didnt get the money. I asked chase if i could get a refund but then they were explaining they cant help me with that. So told me to just call the number where i sent the money. So i did but then the number was not activated which i believe after my friend got new number no one has activated yet. I called back to chase but then they were saying just call the XXXX  support team since they cant help. I did make a call to XXXX and they were guiding me that since the number is not activated yet it would automatically refund after 14 days. However, I still havent got my money back yet. Also, later on I tried to send the money again to my friend with right number however this time it was correct information but my friend still havent got the money yet. First payment was {$1000.00} usd which was wrong number second payment was {$500.00}. Its not a small number as a student. I would appreciate it if I could get the money back. I contacted to minimum 6 customer service but first time they said they will refund. So I was waiting but later i called them back they all denied my request.

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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: VA

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, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief