vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I am submitting this complaint regarding Equifax and XXXX XXXX XXXX for repeated violations of my rights under the Fair Credit Reporting Act (15 USC 1681). Despite multiple certified disputes, Equifax continues to verify inaccurate information on my credit report while claiming updates and modifications that do not exist. XXXX XXXX XXXX has ignored my direct certified letter requesting verification.\n\n\n\nA  Actions Taken\n XXXX XXXX XXXX: Initial dispute sent to Equifax (Certified #XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX.\n XXXX XXXX XXXX: Second dispute sent (Certified #XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX\n XXXX XXXX XXXX: MOV request sent (Certified #XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX.\n XXXX XXXX XXXX: Second MOV request sent (Certified #XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX.\n XXXX XXXX, XXXX: Third MOV request sent (Certified #XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX.\n\nI also sent a direct letter to XXXX XXXX XXXX on XXXX XXXX XXXX (Certified #XXXX XXXX XXXX XXXX XXXX), delivered XXXX XXXX, with no response received.\n\n\n\nB  Breach of Rights (False Updates, No Investigation)\n Equifax reported this account as verified and updated/modified on:\n JXXXX XXXX XXXX\n XXXX XXXX XXXX\n XXXX XXXX XXXX\n XXXX XXXX XXXX\n Despite these claims, no corrections, changes, or material updates were made to the reporting.\n This indicates Equifax is rubber-stamping verifications without performing a lawful reinvestigation under FCRA 1681i(a)(1)(A).\n Equifax has failed to supply the Method of Verification (name, contact, and data relied upon) despite multiple requests, violating 1681i(a)(6)(B)(iii).\n XXXX XXXX XXXX has ignored direct certified mail requesting proper verification of this account, showing noncompliance with their furnisher duties.\n This pattern demonstrates willful disregard for FCRA obligations, prolonging inaccurate reporting and causing harm to my credit.\n\n\n\nC  Corrective Action Requested\n\nI respectfully ask the CFPB to:\n1. Compel Equifax to conduct a genuine reinvestigation or delete this account if it cannot be verified with supporting documentation.\n2. Require XXXX XXXX XXXX to respond to my certified request with full verification details.\n3. Investigate repeated false update/modified responses by Equifax as a possible willful violation of the FCRA.\n4. Ensure corrective measures are taken to stop this pattern of noncompliance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I contacted my mortgage lender, NewRez, today after checking my checking account and seeing that they had withdrew XXXX house payments from my checking account when I had only scheduled XXXX payment. I contacted their customer service to request they return the money asap ( $ XXXX ). I was told that they have XXXX days to submit a request and thats it. I asked to speak to a XXXX and was told a XXXX was unavailable and that she would tell me the same thing, that they would submit a request within XXXX days to credit my account. This is a mistake on their part but they showed no concern or urgency to correct it.

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 2025-08-05 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX BANK

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 2025-08-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXXXXXX XXXXInquiryXXXX  XXXX XXXXInquiryXXXX CXXXXInquiryXXXXXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXXInquiryXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XX/XX/XXXX, I made a payment of {$47.00} to my Discover credit card. Shortly after, I was unaware of any account issue and continued to receive marketing messages from Discover. I later learned that my account was closed by Discover on XX/XX/XXXX, but I did not receive any written notice until XX/XX/XXXX. 

On XX/XX/XXXX, I called Discover and spoke to a representative named XXXX. She stated that Discover had sent the closure notice by email, even though I had not opted out of paper notices. She also admitted Discover sends email " because its faster, '' not due to consumer preference. 

Discover accepted another payment from me on XX/XX/XXXX, XXXX the account was already closed. Despite that, they reported a delinquency starting XX/XX/XXXX, which has now appeared on my credit report and is negatively affecting my credit score, especially with XXXX. 

On XX/XX/XXXX, I sent Discover a certified demand letter asking for reinstatement, credit reporting reversal, and written documentation of all notices sent. I also requested they stop calling me and only respond in writing. As of today, I have received no written response. Phone calls from Discover have continued daily despite my cease-and-desist request. 

I believe Discover has violated my rights under the Equal Credit Opportunity Act and the Fair Credit Reporting Act by failing to give timely notice of adverse action, inaccurately reporting credit information, and continuing to contact me after a written no-contact demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
On XX/XX/year>, Morgan Stanley Private Banking from E-trade, closed my account due to inactivity. My payroll deposit went to this closed account on the same day. They refused to release my funds and said they had no record of deposit. After confirming with my payroll department, my check was sent to this account via direct deposit. I called multiple times trying to get a trace number for deposit return, and E-trade refuses to address my concerns. RELEASE MY FUNDS! If the account was closed, it should have been auto retuned!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of specific information reported on my credit file regarding a XXXX credit card account. 

Account Information : Creditor : XXXX Card Account Number : XXXX Current Status : Charge Off / Collection Reported Balance : {$950.00} Account Opened : XX/XX/XXXX Disputed Information : False or Misleading Payment History : Your records reflect late payments as far back as XX/XX/XXXX, including multiple XXXX delinquencies, followed by months marked CC ( Charge-off/Collection ). 

However, in some parts of the report, the payment history is marked as unavailable or not reviewed ( e.g., Months Reviewed : XXXX or No history available ), while other parts reflect inconsistent and conflicting data ( e.g., Youve made 70 % of payments on time vs. Youve made 24 % of payments on time ). 

These internal contradictions and lack of full reporting call the validity and accuracy of the payment history into serious question, in direct violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information. 

Inaccurate Last Activity Date : The last activity date is listed inconsistently : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The law requires accurate reporting of the true date of last activity for statute of limitations and aging purposes under 15 U.S. Code 1681c ( a ).

If this activity is not revalidated with legitimate, dated proof ( such as a recent payment, charge, or contact ), then the XX/XX/XXXX date may be illegally re-aging the debt, which is a violation of the FCRA. 

Requested Action : I am requesting that you : Fully investigate this account with the data furnisher ( XXXX ), including the original source of the last activity date and payment history. 

Delete any unverifiable or contradictory information, including any false claims of late payment and the re-aged activity date. 

Provide me with the results of the investigation within the XXXX time frame as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

Remove this account entirely if you can not supply sufficient documentation to verify the accuracy of the information. 

If the bureau or data furnisher fails to verify the disputed data, it must be deleted. Continued reporting of false or unverifiable information may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

Thank you for your time and prompt attention to this matter. 

Sincerely,

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 2025-08-05 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of specific information reported on my credit file regarding a XXXX credit card account. 

Account Information : Creditor : XXXX Card Account Number : XXXX Current Status : Charge Off / Collection Reported Balance : {$950.00} Account Opened : XX/XX/XXXX Disputed Information : False or Misleading Payment History : Your records reflect late payments as far back as XX/XX/XXXX, including multiple XXXX delinquencies, followed by months marked CC ( Charge-off/Collection ). 

However, in some parts of the report, the payment history is marked as unavailable or not reviewed ( e.g., Months Reviewed : XXXX or No history available ), while other parts reflect inconsistent and conflicting data ( e.g., Youve made 70 % of payments on time vs. Youve made 24 % of payments on time ). 

These internal contradictions and lack of full reporting call the validity and accuracy of the payment history into serious question, in direct violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information. 

Inaccurate Last Activity Date : The last activity date is listed inconsistently : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The law requires accurate reporting of the true date of last activity for statute of limitations and aging purposes under 15 U.S. Code 1681c ( a ).

If this activity is not revalidated with legitimate, dated proof ( such as a recent payment, charge, or contact ), then the XX/XX/XXXX date may be illegally re-aging the debt, which is a violation of the FCRA. 

Requested Action : I am requesting that you : Fully investigate this account with the data furnisher ( XXXX ), including the original source of the last activity date and payment history. 

Delete any unverifiable or contradictory information, including any false claims of late payment and the re-aged activity date. 

Provide me with the results of the investigation within the XXXX time frame as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

Remove this account entirely if you can not supply sufficient documentation to verify the accuracy of the information. 

If the bureau or data furnisher fails to verify the disputed data, it must be deleted. Continued reporting of false or unverifiable information may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

Thank you for your time and prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-05 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: NC

Complaint narrative:
on XX/XX/year> i filed dispute when i noticed fraudulent charges my email address associated with my mobile wallet and payroll card Branch app was stolen and i still havent had access to it since XX/XX/XXXX its now non existent for some reason. i filed the dispute the app replied with If we are unable to make a decision within the next XXXX business days, we will provisionally credit your account for the transactions disputed while we continue to investigate. 
To prevent any additional fraudulent activity, your card has been blocked. 
A replacement card has been ordered for you. Please be sure to update your card number with any merchants that charge your card regularly to ensure there is no interruption. 
Please keep in mind that our investigation can take up to XXXX  days to complete. 

Upon day XXXX i received credit for XXXX on day XXXX they reversed it i disputed it again and received the same message i kept trying to get in touch with whoever with no luck only receiving generic messages from them a few weeks later my payroll tips go on card and im negative even after receiving a deposit they proceeded to retake the money again for random dates XXXX times until it totaled once again XXXX on top of this i also am charged XXXX or more a month by branch app to access my money from my employer so not only do i get over charged for my hard earned money they cant even correctly investigate disputes but then double take the money and when tried to dispute then they wont respond to any of them because it wont let me submit a disputed on reversal no one answers phone and no one responds in chats and the employer who provided the card didnt care because you have to use that card or not get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
This is in response to Valon mortgage, Incs reply to my complaint to CFPB, complaint ID XXXX in a letter sent to me from this mortgage co. 
Valon, l did not say that my autopay was with you. All my bills including this mortgage loan are on autopay handled by XXXXXXXX XXXX for many years, until Valon started sending me late fee notices, for several months, that l decided to cancel this mortgage payment auto pay by XXXX and to handle the payments myself. 
I know the process how XXXX handles the autopay- theyve explained all that to me.This address of XXXX XXXX OR was the address provided to XXXX XXXX XXXX XXXX why XXXX was sending the payments to this address, where else would they get this information if not from you. If this was not the designated address for mortgage payments, then WHY DIDNT YOU SAY SO IN THE BEGINNING when l was calling practically every month telling you that the payment was coming directly from the bank. Contrary to your claims, l never received any phone calls from Valon nor any emails. In fact, I HAD BEEN THE ONE CALLING EVERY MONTH EVERY TIME I RECEIVE A statement charging me with late fees and what I understood at that time was, the fees were being waived. Besides, l should have been told to tell XXXX to send the payments to XXXX, Texas, not to Oregon. And as far as l can remember, l thought the payments were being sent to Texas. If XXXX claims that they could not reach me by phone or email, the RESPONSIBLE THING TO DO IS TO SEND ME A LETTER, to tell me to inform my bank to direct payments to their processing center in XXXX, Texas or Valon could have directly notified XXXX, dont you think?, why didnt you, unless this was deliberate to generate extra income for the company. 
This mortgage loan has been sold to 2 or 3 mortgage companies in the past. The autopay by XXXXXXXX XXXX has always been the same and NEVER HAVE THERE BEEN ANY LATE PAYMENT ISSUES, EVER, by XXXX with their bill pay service. You can check my credit record, its of EXCELLENT standing. The late fee of {$100.00} is not going to make you guys billionaires. Youve already made money off of me through interest fees, why dont you just drop it. This is just an INSIGNIFICANT amount, this is not going to make your company go broke, lm surprised youre even fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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