vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, I obtained a personal loan from XXXX XXXX during the COVID-19 pandemic. Due to financial hardship, I requested and was granted a deferment. Despite the deferment, XXXX later charged off the account and began reporting it as a negative tradeline. 

Since approximately XXXX, XXXX XXXX has been updating the account monthly, increasing the balance even though it is marked as charged off. This activity has continued through XXXX and XXXX. I understand that under XXXX XXXX guidelines, once a loan is charged off, the balance should be fixed and not updated with additional interest or fees. Their actions appear to be a form of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I contacted XXXX XXXX in XXXX to dispute the ongoing updates and explain the loans deferred status. They insisted the reporting was accurate and have continued to update the account monthly, causing ongoing credit damage. 

I am requesting that the CFPB investigate and ensure this tradeline is removed entirely due to continued noncompliance

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 2025-07-21 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -ONLINE INFORMATION SER Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -DISCOVERC Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX  Inquired on XX/XX/year> 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 2025-07-21 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act (FCRA)  which mandates a reasonable reinvestigation of disputed information, , which requires that all information furnished be reported with maximum possible accuracy.\n\nThe listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dateXXXX XXXX XXXX XXXXn\nIf this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act (FDCPA)  for deceptive and misleading reporting practices.\XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverified accounts on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act (FCRA), which requires a reasonable and lawful reinvestigation of disputed information, which mandates that all reported information be held to the standard of maximum possible accuracy.\n\nThese false and misleading entries have caused significant harm to my credit profile and are particularly egregious because I have never opened, authorized, or acknowledged these accountsXXXX XXXX XXXX XXXX has failed to properly investigate my dispute, has not provided the required method of verification, and continues to publish inaccurate data. This conduct is deceptive and unjust.\n\nIf immediate corrective action is not taken, I will pursue all available legal remedies under the FCRA and the Fair Debt Collection Practices Act (FDCPA), which prohibits the use of false, deceptive, or misleading representations in connection with the collection or reporting of consumer debts. i have my usps certified mail tracking number as well - VIA USPS CERTIFIED MAIL: 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates XXXX trying to collect a debt that does not belong to me. They keep sending me a letter addressed to XXXX XXXX XXXX that states the seller is XXXX XXXX XXXX. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHERRY TECHNOLOGIES INC.
State: IL

Complaint narrative:
I am disputing a loan that was processed through Cherry Technologies for services I never received from a provider who is now permanently closed.

This has been charged off which is now making it more difficult to resolve.

I never signed any final loan documents or received any treatments or services from the businessXXXX XXXX XXXX XXXX XXXX XXXX XXXX yet Cherry Technologies approved the loan and has charged me. Despite my efforts to resolve this with Cherry Technologies directly, the charge remains and has negatively impacted my credit report.

The business I was approved through has closed permanently and can not/ NEVER fulfill any services. I am asking Cherry Technologies to cancel or charge off this invalid debt and remove any negative reporting associated with it.

I have disputed this twice now and Cherry technologies is not helping me.

This is causing ongoing harm to my financial wellbeing and credit. I respectfully request the CFPBs help in having this matter resolved, and the charge removed from my record. 


Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After 28 days have elapsed, there has been no response from Wells Fargo on their attached XX/XX/year> letter. ( 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In each dispute, I clearly identified the accounts in question and outlined the specific violations affecting my consumer report. It has now been over 60 days, and I have not received any proper response or resolution from any of the credit bureaus. Attached are copies of all correspondence previously sent. 
This company is in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 3 ), for failing to mark the disputed account as " in dispute '' during the investigation process. Furthermore, FCRA Section 605 ( c ) has also been violated by improperly reporting the Date of Last Activity ( DLA ). The DLA should reflect the last date a payment was made, not the date the account was placed for collection or charged off.

Additionally, this company has failed to provide proper validation of the alleged debt in question, despite multiple requests. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), as interpreted by the Federal Trade Commission ( FTC ). Continued failure to validate and correct this information is unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Against Shellpoint Mortgage for Unfair Servicing Practices Loan Account : XXXX Dear Sir,, I am submitting a formal complaint against Shellpoint Mortgage Servicing ( Newrez LLC ) regarding persistent and harmful loan servicing practices. 

Despite making consistent, on-time mortgage payments via scheduled bank bill pay ( with proof ), Shellpoint has XXXX in the following unfair actions : Misapplication of Payments & Late Fees : Payments are often misapplied or delayed, causing unjust late fees and artificial shortages, with funds placed in unapplied status. My credit has been harmed, and clear evidence is ignored. 

Improper Property Charges : Shellpoint falsely marked my account as delinquent, sent third-party inspectors, and billed me for unwarranted visits. 

Harassing Calls : I receive ongoing silent or impersonal calls, despite requesting they stop. Shellpoint insists on contacting me even when my account is current. 

Untrained Customer Service : Representatives are unhelpful, follow scripts, and dont return calls, leaving me without meaningful support. 

Unexplained XXXX XXXX : My monthly payments have changed multiple times without clear explanation, adding financial stress. 

Ongoing Harassment : Despite proof of timely payments, I still receive repeated texts, calls, and emails. 

Foreclosure Threats : Ive been wrongly pressured to refinance or faced foreclosure threats with no valid default. 

Ignored Documentation Requests : My inquiries are often dismissed or not answered properly. 

Pattern of XXXX : These practices suggest a deliberate effort to create defaults and collect excessive fees. 

This is not an isolated incident. Shellpoint has a troubling record of similar complaints online, pointing to systemic abuse. I have a proven history of managing financial obligations responsibly ; the issues lie with XXXX servicing. 

I respectfully request an investigation into Shellpoints potentially unfair and abusive practices. I am prepared to submit all relevant records upon request. Please confirm receipt and inform me of the next steps. As XXXX XXXX XXXX XXXX XXXX situation is affecting my health, and I urgently seek resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Service Bureau
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from the " Professional Service Bureau , Inc. '' stating that I owe {$10.00}, XXXX to XXXX  who I was in a program for back in XXXX, but withdrew from before competition. During this call, I requested any correspondence from XXXX  stating that I had to pay the full amount if I dropped from the course. This has yet to be provided. I have checked all of my communications with XXXX  and can not find any such clauses either. While still on the phone with the XXXX, I asked for a number to contact XXXX  directly. I was given the number to a XXXX in Michigan. When I called PSB back and asked for a proper line of communication to XXXX, they stated that XXXX was a new client and they did not have any information on them. I have emailed XXXX several times now to dispute the debt and requesting proof of the debt, but I have not received any communications. I have also not been able to reach XXXX  at all via phone or email. 
XXXX is a XXXXXXXX XXXX XXXX with the goal of preparing its students to take the XXXX+ certification at the completion of their course. XXXX  has partnered with serval major colleges to promote their courses, but they are not a credited course and are a separate entity from the school. My school, tXXXX XXXX XXXX XXXX, has also tried to get me in contact with XXXX, but has not been able to. 
I have spoken online with several others who took the XXXX  course and have stated they have been sent to collections as well, but with no communications. XXXX user claimed to not even taken the full $ XXXX course, but was sent to collections for the full amount. Several others are talking of filing a class action lawsuit against XXXX  and their shady ways.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I took my XXXX back early termination of lease in XXXX I believe. Before turning in the car I had spoke with XXXX on the phone of how the policies were if I turned in early. 
Basically car was auctioned then I would pay a balance then pay mileage if I went over Then I recieved XXXX letters in the mail, XXXX saying the XXXX XXXX  I would have to pay, which was almost XXXX. I called to see if the car had sold and they said no. They said state of CA does things differently and to throw that away to wait until the car was sold. 
XXXX letter the same letter came and had a due date I called and they said the same thing to throw it away that I would recieve a certificate of the car being sold in the mail with another letter of total to pay $ XXXX 
XXXX days ago I recieved another letter where it says they will be sending me to collection if I dont pay by XX/XX/XXXX. 
I called to see whats going on XXXX, now that person told me otherwise. 
So basically not telling me the same as the other XXXX people had told me. And that {$10000.00} I need to pay and that it is what it is. 
I am so mad that all XXXX of the people I spoke to before this last one had said all the same info. Now I feel like Nissan has literally messed me up.

We all know that company cant lose right but thats so not okay and all misinformation they said.

Then I spoke to the last agent on Friday and she just heard me out but she was going back and forth with her information too, she couldnt tell me anything either. 
Since I saw clearly I wasnt getting anywhere with her either I asked if XXXX was payment plans and she said no. So I told her I could probably pay that off for Saturday ( the next day, before XXXX ) she said they didnt work and it would be a machine where I can call and pay so I did that, Saturday came I called and surprise the limit to pay anything is of XXXX. So now all the false information they gave me since the beginning and now to the end is ridiculous. 
I have recordings from them too. 
I am not denying paying anything at all, but why cant they keep their word, I have been consistent calling them every time I get letters asking for clarity and now this happens. 

Ugh please help

Company response to consumer: Closed with explanation