vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
For 3+ years I have had a mortgage payment set to auto-pay from my bank. Due to a processing error, the payment did not go through. The lender contacted me and I paid the amount due immediately, and advised I set my auto payments from their website instead of my bank which I did. But the lender reported it as 30 days late and charged a {$30.00} inspection fee. 

I contacted the servicer and asked for a goodwill adjustment and removal of the late payment, considering my strong payment history and the unintentional nature of the error. The request was denied, despite my perfect track record and prompt correction. 

Im now facing a XXXXpoint credit score drop, financial hardship due to a system error, and a fee for a drive-by inspection that was unnecessary. Im seeking removal of the late payment from my credit report and a refund of the {$30.00} fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as Perry v. Stewart Title Co. , 756 F.2d 1197 ( 5th Cir. 1985 ).

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. United Pac. Ins. Co., 20 F.3d 1070 ( 10th Cir. 1994 ).

Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in Carpenter v. Longan , 83 U.S. 271 ( 1872 ), which supports the principle that the note and security instrument can not be separated.

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
Dispute of Inaccurate Information under 15 USC 1681c-2 Request to Block Fraudulent Information Due to National Public Data Leak Dear Experian , I am writing to dispute certain information in my credit file that I believe is the result of identity theft, pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. I believe this fraudulent activity may be linked to the National Public Data leak, which compromised sensitive personal information, including names, Social Security numbers, and other identifying details. I request that you block the following items from appearing on my credit report, as they are inaccurate or fraudulent.

Disputed Information : 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  Reason : These accounts are the result of identity theft and was not authorized by me.

Under 15 USC 1681c-2, you are required to block the reporting of any information in my credit file that I identify as resulting from identity theft within four business days of receiving this request, provided I include appropriate documentation. Enclosed, you will find the following supporting documents : Referencing the National Public Data leak as the potential source of the identity theft.

Proof of my identity : [ e.g., a copy of my drivers license and Social Security card ].

[ Any additional documents, e.g., a copy of a Federal Trade Commission Identity Theft Affidavit ].

Please block the above-listed items from my credit report immediately and provide me with a written confirmation that this information has been removed, as required by law. Additionally, please send me an updated copy of my credit report reflecting the removal of the disputed items. I expect a response within the time frame outlined in 15 USC 1681c-2.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was paying all of bills timely and consistently. But in 2021 is when I was having hardship, I was no longer making the money that I used and couldn't afford to keep paying. I couldn't pay my rent, afford groceries, or pay any other bill. I was scrambling to get by. I didn't have any roommates that were helping to cover some of the costs, it was just me paying for everything. I looked into rental assistance which took forever for approval, only to get one payment from them and then the program stopped. I had to ask family members for help so that I had food to eat and could continue to work since I worked at home. I tried calling the companies to see if they could give me some grace or could at least put a hold on the account until I could give them payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
After reviewing my credit file, I noticed information that does not match up with my actual credit history. Specifically, the item in question is either outdated, incorrectly reported, or does not belong to me. I have verified my records, and I am confident that this entry is an 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 non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want to make it clear that I never gave this company permission to access my credit. I didnt apply for credit with them, didnt authorize any checks, and wasnt informed in any way that my credit would be pulled. This inquiry was made without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I want to make it clear that I never gave this company permission to access my credit. I didnt apply for credit with them, didnt authorize any checks, and wasnt informed in any way that my credit would be pulled. This inquiry was made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CT

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

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 2025-06-04 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
In XXXX 2025, I discovered that fraudulent accounts and inquiries had been added to my credit report without my knowledge or authorization. These included utility and financing accounts as well as several hard credit inquiries from auto finance companies and lenders. I did not open or apply for any of these accounts. 

Upon discovering the activity, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also notified the credit bureaus and submitted formal disputes, including a copy of the FTC report, to request the removal and blocking of the fraudulent items, as allowed under the Fair Credit Reporting Act ( FCRA ). 

Despite these actions, the accounts remain on my credit report, and the bureaus have not provided sufficient documentation validating the information or confirming proper verification procedures. This has caused damage to my credit and impacted my ability to access fair financial services. 

I am seeking assistance in ensuring the credit bureaus comply with the FCRA and remove the fraudulent data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
In XXXX 2025, I discovered that fraudulent accounts and inquiries had been added to my credit report without my knowledge or authorization. These included utility and financing accounts as well as several hard credit inquiries from auto finance companies and lenders. I did not open or apply for any of these accounts. 

Upon discovering the activity, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also notified the credit bureaus and submitted formal disputes, including a copy of the FTC report, to request the removal and blocking of the fraudulent items, as allowed under the Fair Credit Reporting Act ( FCRA ). 

Despite these actions, the accounts remain on my credit report, and the bureaus have not provided sufficient documentation validating the information or confirming proper verification procedures. This has caused damage to my credit and impacted my ability to access fair financial services. 

I am seeking assistance in ensuring the credit bureaus comply with the FCRA and remove the fraudulent data from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my Discover credit card account, which I originally opened in XXXX. From the beginning, I used the card responsibly. However, in XXXX, I was laid off and experienced financial hardship that caused me to fall behind on payments. I enrolled myself in Discovers hardship program in XX/XX/XXXX and later opted out of the program in XX/XX/XXXX, believing that I had regained financial stability. I even made a {$1000.00} payment that month to show my commitment to getting back on track. 

Unfortunately, despite my efforts, I was later told that removing myself from the hardship program made my card ineligible for reactivation. I received conflicting information from Discover representatives over the phone. Some told me I could re-enter the program and regain access once I was financially stable, while others stated it was no longer possible. Since then, the messaging has been inconsistent and unclear. 

Ive paid down my balance significantly, from over {$4500.00} to just {$600.00} currently. Ive remained consistent with my minimum payments, and Ive paid whatever additional funds I could manage, despite living paycheck to paycheck. This year, Ive been especially committed to reducing the balance, but my card remains locked and inaccessible. 

Ive asked Discover multiple times : If the account will never be reopened, I simply want to pay off the remaining balance and close it. But instead of a clear answer, Im told that the system decides automatically. Im also frequently told to call back on different dates with no resolution. This has been going on for almost a full year, and it is mentally and financially draining. 

To make matters worse, I am now in a much stronger financial position : Ive XXXX XXXX and currently earn {$83000.00} annually, with a steady job. Ive communicated this to Discover, yet no effort has been made to take this into account or offer a path to reopening the card or resolving the account status. 

I am filing this complaint to request : 1. A clear, final determination on whether my card can be reopened.

2. If not, the ability to pay off the remaining balance and close the account with no further confusion.

3. Accountability for the inconsistent information and lack of support Ive received over the past year.

I hope this matter can be resolved quickly. I am doing my part to act responsibly and expect fair treatment and transparency in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX  *, OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation