vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting to request that any dispute comments and related notations be removed from the following accounts in my credit file, and that the dispute status be reset to reflect that I am no longer actively disputing them : XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXXXXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00} These accounts were previously annotated with language such as consumer disputes this account or similar. However, I am no longer disputing the accuracy or validity of these accounts. The presence of these dispute notations is causing confusion with lenders and other creditors, who interpret these remarks as unresolved issues or active disputes. Under 611 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the information they furnish is accurate and complete, and update or delete information when it is no longer correct. Further, guidance and advisory resources note that dispute remarks may be removed when the consumer is no longer disputing the item and requests removal of the remark.

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 2025-10-29 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: GA

Complaint narrative:
I previously submitted a dispute under FCRA 1681b, 1681i, 605B, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 1 ) ( A ) regarding several items appearing on my credit report, including XXXX XXXX XXXX XXXX  with a balance of {$0.00} and a Chapter XXXX Bankruptcy listed under XXXXXXXX XXXX XXXX Reference # : XXXX, as well as XXXX XX/XX/year>. Despite my initial dispute and submission of supporting documentation, including identification and dispute forms for TransUnion and Experian, I have not received any response or explanation regarding the status or outcome of my dispute. The continued reporting of these items without proper verification or correction constitutes a violation of my rights under FCRA and its provisions regarding reinvestigation 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 2025-10-29 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 writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
Dear CAINE & WEINER : XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

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 2025-10-29 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: MO

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I hereby request the deletion of this erroneous account from my credit report, as I never authorized its establishment or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverified late payments for the account AUSTINCAPBK ( Account XXXX. XXXX ) on my credit report. Specifically, Equifax shows a late payment for XX/XX/XXXX, even though the payment was made on time. 

I have already contacted Equifax through a formal dispute letter, providing proof of timely payments and highlighting the inaccurate entries on my credit report. Despite this, Equifax has continued to publish the incorrect information, causing harm to my credit reputation, including higher interest rates, declined credit opportunities, and emotional distress. 

This reporting violates several sections of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Duty to ensure maximum possible accuracy 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure of the furnisher to correct or delete information known to be inaccurate 623 ( a ) ( 7 ) : No prior written notice was provided before negative information was reported I also cited Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), which clarifies that a reinvestigation relying solely on automated confirmation from the furnisher does not meet the FCRAs requirement for a reasonable reinvestigation. 

Despite providing verifiable evidence, Equifax has failed to correct or delete the false late payment, continuing to report inaccurate data that harms me financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I have made multiple accounting requested for proof of disbursement of funds requests on XXXX and XXXX regarding account number XXXX to Freedom Mortgage headquarters located in XXXX XXXX, Fl. 
Both request were to inquire about proof of ownership on debt validation on account number XXXX to avoid further double liability. These were simple proof of funds disbursement on debt obligation to Freedom Mortgage. Their failure to perform responses on XXXX and XXXX by freedom mortgage has not shown proof of funds paid and disbursement by : via check, ach direct deposit or cash in hand transaction for this account number XXXX. In fact their XXXX response is a copy and paste showing non wilful compliance. 
Freedom Mortgage refusal to provide an accounting constitutes a violation of the duty of good faith required by UCC 1-304, as defined in UCC 1-201 ( 20 ) to include honesty in fact and observance of reasonable commercial standards of fair dealing, as well as Violation of 3-303 ( a ) Requires proof of value/performance Supports your accounting.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC refuses to refund my international fees in full because they told me that they were doing a one-time courtesy of the fees but I tried to get them to understand that all of the international transactions were made during the same trip and within a few days of each other. I want ALL of the fees refunded and I will not accept anything less. Thank you! 

Dates : XXXX to XXXX Amount Refunded : {$24.00} Balance of Fees Still Owed Back to Me : {$8.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Please investigate the following inaccurate, unauthorized, and unverifiable items on my credit report. I request that each item listed below be fully reinvestigated in compliance with the Fair Credit Reporting Act ( FCRA ) and that corrective action be taken immediately.

Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is also incorrect. I have never used this address, and it has no connection to my credit accounts. Reporting it violates FCRAs requirement for accurate reporting and misleads creditors about my residency.

Account XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$410.00} This account reflects a late payment that I dispute. The reported delinquency is not accurate as I maintained payments in accordance with my agreement. Inaccurate reporting of payment history violates FCRA 1681s-2 ( b ), which requires furnishers to provide correct information and correct errors promptly.

Inquiry Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. Its presence on my credit report is a violation of FCRA 604 ( a ) and must be removed immediately.

Inquiry XXXX XX/XX/XXXX I dispute this inquiry as unauthorized. FCRA 604 ( a ) mandates that such inquiries can not be reported without explicit consumer authorization.

I formally request that all disputed items listed above be fully investigated in accordance with the FCRA. I demand that any inaccurate, unverifiable, or unauthorized information be corrected or deleted from my credit report. Please provide written confirmation of the results of your investigation and all actions taken to correct my credit file. I reserve the right to take further legal action if these violations are not properly addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account was locked for a month now the bank without any legal or legit reasoning the bank continues to tell me to wait on a paper multiple supervisors said it would take 7-10 business days to arrives its been over 20 business days since they issued the paper and still hasnt received anything there has been no effort to release my funds or tell me why my account is locked

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I am filing a complaint against United Auto Credit regarding my XXXX XXXX XXXX XXXX. The dealership that sold me the vehicle failed to perfect the title and then went out of business. As a result, I was unable to legally drive, register, or insure the vehicle from XX/XX/XXXX to XX/XX/XXXX, through no fault of my own. Despite this, United Auto Credit has reported my account as late, demanded payment for a period I could not use the vehicle, and called me dozens of times per day. 
I am requesting that the two months during which the vehicle was inoperable be removed from my payment obligation, that my payment schedule and due dates be adjusted so I can continue making on-time payments, and that all communication be in writing. United Auto Credit has failed to provide a written resolution despite a prior CFPB complaint. Their actions are increasingly harassing and have caused financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Good afternoon, I have been paying on my loan with Shellpoint since the early part of XXXX  on time. Since I started this loan repayment process, I have never called once about hardship assistance. I am a Supervisory Consumer Safety Inspector for the United States Department of Agriculture , Food Safety Inspection Services. I have worked for USDA for over 18 years and now the government has been shut down since XX/XX/XXXX. So, what that means for myself is that I am going to my duty station at a non-payment status. Which also means that I have not received a check since the shutdown began. I work for an essential department that requires me and my colleagues to perform our civil duty with the promise of being paid in the future. I would think that my creditors would understand and would honor me with a forbearance request until I can get paid again. I have called on numerous occasions to Shellpoint during the month of XXXX, and I have been denied this request due to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the owner of my loan, do not believe my situation is important and I should have the money available to pay without any income now. I wish I knew where your logic is coming from, but I see this is my last hope to appease to your sympathetic side of my situation and to request forbearance moving forward. I will not have the funds to pay for XXXX payment and my XX/XX/XXXX past due payment. But I will pay what I owe as soon as the federal government opens and release funding for us. I just dont want to have these delinquent payments show up on my credit as negative due to nonpayment that I can not control. Please be more considerate to your borrowers during hard times, especially if they have a solid history of making payments. I would like to appeal against your forbearance denial and request another investigation to investigate my hardship assistance case. I have followed your instructions, and your office still will not provide me with a solid reason why I am being denied. Respectfully if I need to speak to my legal representation on the matter if a negative mark is shown on my credit for the month of XXXX and XXXX due to delinquent payments when I have asked and provided the reason for hardship assistance, then I believe a lawsuit will have to occur to protect my rights as a federal employee during a hardship situation due to a government shutdown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I went to XXXX XXXX and purchased a package with my credit card, and they opened a credit line with Cherry Technologies in my name without me knowing. I tried a few times to make an appointment for the massage with XXXX XXXX and they kept cancelling my appointments. With the package, I received some merchandise. I returned the merchandise, and they still billed them to Cherry Technologies. I have been showing Cherry Technologies proof ( pictures and videos ) that I returned the merchandise, and Cherry Technologies will not close the account that I never authorized to have opened with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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