vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NY

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 XXXX  party involved. Please review the uploaded letters.

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 2025-06-18 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: NV

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: DE

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I formally disputed a debt with Jefferson Capital Systems that is being reported as a collection account with a balance of {$1600.00}. I requested validation of the debt, including proof that I am legally responsible and documentation of the original creditor. 

To date, Jefferson Capital Systems has not provided any validation or documentation to support the debt. Despite this, they continue to report the account to the credit bureaus, which is negatively affecting my credit and causing difficulties with housing and credit access. 

I am requesting that the company either validate the debt or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I contacted the merchant but was told it was delivered correctly, as in to the right address. 
I live in an apartment complex and in the new building ( we have XXXX ). It shows that it was delivered on memorial weekend and someone did receive it and signed for it as XXXX. I have no idea who that is nor have I given any authorisation. The driver should have called me down via the intercom for that delivery ( direct signature was required ) I contacted management of the building and they confirmed again that no XXXX  delivery was delivered for me and they had provided a full audit of the mailroom and building to try and find it but couldnt locate it. 
I also received contradictory messages from XXXX that day. They text me that they werent able to deliver and said the delivery was delayed. They stated to try again next business day. But less than an hour later they show its delivered. This makes no sense. The driver probably just saw someone open the door and just left it with someone. Or he went to the wrong building for delivery. In any case our building manager is very clear, they havent received anything for me. This is gross negligence and very irresponsible. 
Please help me resolve this issue and get a fair resolution. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-18 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Failure to Comply with Federal Law Regarding Human Trafficking Protections and Inaccurate Report Denied Housing * * Complaint : * * I am filing a complaint against * * TransUnion SmartMove * * due to their failure to remove inaccurate information from my consumer report, even after submitting documentation as a * * survivor of human trafficking * *.

According to the * * Debt Bondage Repair Act * * and the * * Fair Credit Reporting Act ( FCRA ) * *, when a survivor submits appropriate documentation, the credit reporting agency is required to * * block or remove the related items within XXXX ( XXXX ) business days * *. I submitted the proper documentation, but TransUnion has failed to comply. 

I called TransUnion numerous times, and representatives consistently told me that they are allowed * * 30 days * *, not XXXX, to complete the process which directly contradicts the legal protections afforded to human trafficking survivors. 

As a direct result of XXXX failure to remove these harmful and inaccurate items, I was * * denied housing * *. A landlord used * * SmartMove screening * * to evaluate my rental application, and the items on my report led to a * * rejection * *. This caused me emotional distress, instability, and financial hardship. 

I am requesting that the CFPB : * Investigate TransUnion XXXX failure to follow federal law * Ensure that all trafficking-related and inaccurate items are * * immediately removed * * from my report * Hold TransUnion accountable for noncompliance and harm caused * Help ensure my right to fair and accurate consumer reporting moving forward Please consider this complaint urgent, given the impact on my housing security and my rights as a protected individual under federal law.

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 2025-06-18 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: GA

Complaint narrative:
I have multiple variations of my name listed on my credit report and they are incorrect and inaccurate. this is causing me financial hardships!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I have multiple variations of my name listed on my credit report and they are incorrect and inaccurate. this is causing me financial hardships!

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I requested a Partial Release on our mortgage from Newrez Mortgage Co./Shellpoint Servicing . I have sent 18 emails and my husband has sent 7 emails requesting an update on where they are at in the process. I have called their servicing dept. ( Shellpoint ) more than 30 times and was told repeatedly that they would send a message to the Partial Release Dept. for me to be updated. I was told that the only way to contact the Partial Release dept. at Newrez was thru email. In one of the conversations with Shellpoint servicing, the Shellpoint representative said that the Partial Release Dept. has 90 days to process the Partial Release. They have contacted me by email me 2 times, once to say they received the documents and they sent the appraisal. I have had no updates in where we are at in the process.

I am also wanting to know why Newrez is charging me {$750.00} for the Appraisal when the appraiser sent me a copy of the appraisal and the price he charged was {$450.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX : Notified of personal and business checking account problems through text - Chase announced they were closing both my personal and business checking accounts - Went to in-person branch where the manager discussed with a Chase representative over the phone, they failed to provide any information or allow for withdrawal - Denied any reasoning for closure - Prevented me from withdrawing any cash or digital transfer between my accounts XX/XX/XXXX : No additional information provided. Three different service reps refused to answer any questions and provided no further assistance. Notified them that I will be filing a CFPB complaint with Chase. 

Chase denied me any access to my rightfully earned money and shut my bank accounts down without reason. My money lies solely with Chase and now I can not pay any bills or live as all my money is frozen with them with no guaranteed date of receiving my own money in sight

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I received an email today, threatening to contact my employer with the notice of the violation of not paying a loan that I do not recall obtaining. It's possible is an old pay loan because the name is listed at the bottom that they're associated with I have these before, however it's been very very long time, but they threatened legal action against me, threatened to contact my employer with the notice they sent to me, threatening to take away. My wages, threatened to go to the sheriffs office and many other threats made at this email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report currently reflects a late payment that is not correct. I have maintained a strong record of timely payments, and this particular entry is incorrect. Please investigate and remove this mark from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TN XXXX INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint regarding multiple Fair Credit Reporting Act ( FCRA ) violations involving XXXX XXXX XXXX/ XXXX Funding, specifically tied to their handling of accounts originally associated with Synchrony Bank XXXX XXXX XXXX and XXXX XXXX on XX/XX/year>, as well as their unlawful purchase of XXXX disputed tradelines from Synchrony Bank ( Acct # XXXX ) and XXXX  XXXX ( Acct # XXXX ) which were not validated formerly under FCRA with my legal representative at the time XXXX XXXX XXXX. 
Despite prior formal disputes submitted via the CFPB in XX/XX/year>, and an official deletion demand sent by my former legal representative XXXX XXXX XXXX in XX/XX/year> ( XXXX  days ago ), both the XXXX XXXX and Synchrony/TJX accounts remain active and derogatory on my credit reports. Neither XXXX  nor the credit reporting agencies have provided documentation proving legal ownership, a valid chain of assignment, or any signed contract establishing liability. 
To make matters worse, as of XX/XX/year>, XXXX has acquired and resumed collection activities on Synchrony Acct # XXXX and XXXX  XXXX Acct # XXXXboth of which were previously disputed, lacked full debt validation, and were expressly challenged by XXXX XXXX XXXX for removal. This conduct amounts to willful violation of : FCRA 1681i, 1681e ( b ), and 623 ( a ) ( 1 ) ( A ) FDCPA 809 ( b ) for failure to validate Ongoing harm caused by inaccurate tradeline retention and re-aging Ive attached correspondence I sent XXXX  and recent credit reports confirming these unresolved violations.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Asked to receive verification of the company.

When and where was it opened.

Any type of documentation displaying my signature and information for verification purposes

Company response to consumer: Closed with explanation