vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts and inquiries on my Experian report. Certain items appear to be inaccurately reported, unverifiable, or inconsistent across bureaus, which violates FCRA reporting standards. I request a thorough investigation and removal of any information that can not be fully verified with proper documentation. 

CHARGED OFF XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$15000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$4700.00} This collection account is disputed as inaccurate and requires full validation. 

INQUIRIES XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX This inquiry is being disputed as unauthorized and should be removed if the furnisher can not verify permissible purpose. 

POSITIVE No items to dispute. 

LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed as inaccurate. Please obtain full verification from the furnisher or remove.

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 2025-11-17 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am due a refund of {$3900.00} from an escrow account. The monies were refunded after the mortgage was paid off and are owed to me. TD Bank has had this money since XX/XX/year>. Today is XX/XX/year> and they are still processing my refund. I want this money refunded, via transfer to our checking account, immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
Statement : I am requesting that TransUnion reinvestigate the items listed below. There are inquiries and late payments that appear to be inaccurately reported. Under the FCRA, TransUnion must verify all information or delete it. 

INQUIRIES ( 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 non-monetary relief
Consumer complaint received 2025-11-17 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:
Verify the lawful removal of any accounts currently in dispute.

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 2025-11-17 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My loan was paid off in full and they put it in my credit report that it was included in my bankruptcy for credit cards. 
I have the statement it was paid off It was never ever included in it I have all the paperwork They disabled their email, XXXX, and phone will not connect. 

This is ILLEGAL to report false information on my credit report. 
This has been ongoing for a year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received a text that said thank you for applying for XXXX XXXX XXXX checking on XXXX XXXX on XX/XX/year>. 
An unauthorized credit card was attempted to be opened in my name back in XXXX, so I had already requested credit freeze with XXXX. 
Called XXXX XXXX to provide the application id and told them to close this account/application as I did not do this, they were unwilling to do so without providing further sensitive information, which I was not comfortable with providing. I already provided the supposed application id.

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 2025-11-17 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:
I am disputing the accuracy of the following charged-off accounts and inquiries. I request a lawful investigation, and deletion of any information that can not be fully verified with original documentation. 

Charged Off Accounts in Dispute XXXX XXXX, Acct : XXXX, Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX Acct : XXXX, Opened : XX/XX/XXXX, Balance : {$240.00} Inquiries in Dispute 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 2025-11-17 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: MI

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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am filing a complaint regarding a misrepresented interest rate on a PNC XXXX XXXX XXXX XXXX and PNCs refusal to correct the loan terms or provide transparency about its internal investigation. 

On XX/XX/XXXX, I visited my local PNC branch in XXXX, Indiana to apply for my first auto loan. The PNC loan officer reviewed my credit score, income, and the details of the XXXX XXXX XXXX I intended to purchase. She told me I was approved for an APR of 5.39 % and an estimated payment under {$400.00}, later confirming approximately {$350.00} at that rate. These terms were presented as accurate and final, and I relied on them when choosing PNC for financing. 

However, when the final loan documents arrived, the loan had been issued at 6.89 % APR, with a payment of {$400.00}, terms I never agreed to and that were never disclosed to me. I later learned that the loan officer mistakenly entered a XXXX vehicle, but I was never informed of this error, and the incorrect rate was issued anyway. 

Since discovering this, I have attempted to resolve the issue with PNC through multiple channels. I have experienced dismissive treatment, unprofessional conduct, and contradictory explanations. PNC stated they conducted an internal investigation but refused to share the results unless I obtain a subpoena. My request to correct the APR to the originally quoted 5.39 % was denied. 

This situation appears to violate : XXXX XXXX ( Deceptive Consumer Sales Act misrepresentation of terms ) IC XXXX ( false or misleading statements regarding loan terms ) Truth in Lending Act / Regulation Z ( accurate APR disclosure ) Federal prohibitions against unfair, deceptive, or abusive acts or practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
I was scammed XXXX by a fake XXXX support account ( phone XXXX ) on or about XX/XX/year>, via Remitly. The scammer posed as XXXX verification ( see XXXX post : XXXX XXXX XXXXXXXX ). XXXX confirmed its a scam, but Remitly processed the payment and refused a refund. My XXXX chargeback was denied. Im in the XXXX and request a refund plus investigation into Remitlys fraud controls, including potential SWIFT access review due to negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Issue : Servicing violations, missing assignments, illegal post-petition activity, RESPA/TILA non-compliance. 

Subject : RESPA/TILA Non-Compliance, Improper Servicing, Missing Assignments, and Post-Petition Violations Summary : NewRez/Shellpoint became involved in my mortgage after my bankruptcy discharge and after the petition date, without any valid pre-petition assignment or authority recorded in my county records. I submitted a Qualified Written Request ( QWR ) on XX/XX/year>, which they received on XX/XX/year>, yet they failed to provide a legally compliant response within the 30-business-day response period required under 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.36. 

Mailed to Florida Registered Agent and Errors and Inquiries from monthly statements. 

They provided vague updates, evasive answers, and incomplete records. They have still not produced proof of standing, ownership of the note, the chain of title, the XXXX XXXX XXXX, or the investor information ( XXXX XXXX ). 

Violations : Failure to acknowledge/complete QWR response ( Reg X ) Failure to provide servicing history Attempted servicing during active bankruptcy matters Attempted to collect or threaten foreclosure without standing Missing chain of title Post-petition assignment activity Potential misrepresentation of creditor status Certified Records from XXXX County Clerk of Courts. 
XXXX XXXX XXXX XXXX XXXX XXXX - Owner 's Title Policy Claim of Loss ( Pending ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NM

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
b'During XXXX XXXX our Capital One Credit card  had fraudulent charges on account  including unauthorized ACH of $XXXX   from XXXX XXXX XXXX XXXX .\nWe have had numerous correspondences with Capital Ones Fraud investigators and Capital One agreed that fraud occurred.  Charges were removed from card but ACH funds were not returned.\nWe were given by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the dept that should give refund on ACH.  Treasury was contacted and they did not know anything regarding this issue.\nWe have a been working on this issue for months and have had no results.\nThe credit card account has been closed .\nIf money is not returned we are planning to file a Small Claim Suit!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Make sure all accounts being disputed are removed by the proper legal deadline.

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 2025-11-17 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:
There are two negative items on my credit report that are being reported inaccurately : a XXXX account and a DPT EDXXXX ( XXXX ) student loan account. I disputed both accounts with all three credit bureaus on XX/XX/year> and requested full validation, including the original signed agreements, complete payment history, chain of ownership, itemized statements, and proof that the furnishers have the legal right to collect and report these accounts. 

None of this documentation was provided. The bureaus marked both accounts as verified, but no actual validation or supporting documentation was supplied. The responses were incomplete and did not satisfy FCRA validation requirements. 

This violates the following laws : FCRA 611 failure to conduct a reasonable reinvestigation FCRA 609 ( a ) ( 1 ) failure to provide required documentation FCRA 602A duty to ensure maximum accuracy FCRA 607 ( b ) reporting information without proper verification Because XXXX and DPT ED/XXXX could not validate these accounts, they should not be allowed to continue reporting them. I am requesting that CFPB require the furnishers to supply complete, verifiable documentation supporting these accounts or have both items removed entirely from all of my credit reports. 

Dispute Date : XX/XX/year> Accounts Affected : XXXX XXXX DPT EDXXXX 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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am not aware of any account with you. Please provide the contract I have with NTL RECOVERY ANGENCY. Provide bill of sale, Provide your rights to collect on the alleged debt, provide license, registration and bond to collect in the state of ohio, provide my written consent that allowed you to contact me per the FDCPA. I am prepared to take these demands and violations of consumer laws, debt collection laws and securities fraud to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
These debts keep reappearing on my credit report and they state charged off and I have never received a 1099-C from any of the debts that are reporting charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called Equifax about my credit report and how I was involved in identity theft. Well they looked up my information and the customer service representative had an attitude the whole time. So she pulled everything up and she said ypu people are always looking for handouts so after that I immediately paused and phone recorded the conversation. And asked her again what did she say and she repeated that you people dont deserve good and you deserve everything you get and told me we never wanted ypu to have good credit. And when I told her she was being recorded she hung up the phone. Which was dated XX/XX/2025 at XXXX XXXX Im want to sue equifax for racial discrimination. 

XXXX XXXXXXXX XXXX  accounts I contacted them about XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX. {$8300.00} XXXX XXXX XXXX XXXX. {$3900.00} XXXX XXXX XXXX. {$680.00} And all the inquiries that pop up. Ive been trying to get this looked at for 4 months and they haven't done anything but give me the run around. I will be reporting them to local news and posting the recording to social media so the world can see that this is why XXXX never get ahead. Im in the process of getting a lawyer and filing a lawsuit. This is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
My consumer 's credit report from Equifax, generated on XX/XX/year>, contains numerous inaccurate, unverifiable, and legally non-compliant negative entries, leading to significant financial detriment. Despite credit reporting agencies being obligated to ensure the maximum possible accuracy and verifiability of information, several issues persist, misrepresenting the consumer 's creditworthiness. 

Specifically, the report includes a substantial number of late payment remarks across multiple accounts. For instance, one revolving credit account shows 25 late payments, including numerous 120+, 90, 60, and 30-day delinquencies, while other accounts also report 1 to 10 late payments. These late payment remarks are disputed based on billing error resolution and reporting inaccuracies, violating laws such as 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), 15 U.S. Code 1666b, and 12 CFR 1026.13. 

Additionally, three distinct collection accounts are listed, which the consumer disputes regarding their validity, accuracy, and proper reporting. These collections violate federal laws including 15 U.S. Code 1692c ( communication in debt collection ), 15 U.S. Code 1692g ( validation of debts ), and 15 U.S. Code 1681e ( b ) ( maximum possible accuracy ).

Furthermore, the report details multiple charge-off entries. These charge-offs are challenged as their underlying obligations or the process leading to charge-off may not comply with federal regulations, specifically referencing 15 U.S. Code 1635 and 15 U.S. Code 1692a.

Lastly, one account shows a repossession entry. The reporting of this repossession is challenged regarding its permissible purpose and accuracy, citing 15 U.S. Code 1681b ( a ) ( 2 ).

The collective impact of these disputed items has resulted in a FICO Score XXXX of XXXX, categorized as " Fair. '' This score hinders my ability to access favorable lending terms, leading to higher interest rates on credit and increased financial burden. A formal demand for immediate removal of these inaccurate items, citing specific federal laws, has been sent to Equifax. The failure to rectify these known errors constitutes a systemic oversight by the credit reporting agency, causing ongoing and substantial financial hardship.

Company response to consumer: Closed with non-monetary relief