vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to place a free security freeze on my Experian credit file, as permitted under the Fair Credit Reporting Act ( FCRA 605A ). 

While logged into my Experian account, the security freeze option was not accessible through the main Protection navigation. Instead, the site prominently directed me toward paid identity protection and monitoring products.

I was unable to locate the security freeze through normal site navigation and was only able to place the freeze after using a direct, non-discoverable URL that is not linked from the Protection menu.

This design makes it unreasonably difficult to exercise a legally required free credit freeze and appears to be an intentional dark-pattern practice that steers consumers toward paid products.

I believe this interferes with consumer rights under the Fair Credit Reporting Act and warrants regulatory review.

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 2025-12-27 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: LA

Complaint narrative:
After further review of my credit report there are multiple accounts reporting that do not belong to me and being used under my name. They are in violation of my rights and under the FCRA I have the right to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: AK

Complaint narrative:
When I received the notification about the debt I immediately contacted them. They were very rude but I sent the Medicaid paperwork showing they were paying retroactive all the amount owed. I asked them to update their system and the credit report because it's showing as bad debt that I still owe. They never did anything. Now still showing under not paid when it was by Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I accidentally made a full statement payment while trying to make a {$100.00} payment. 
I contacted Citibank on XX/XX/XXXX and the payment was refunded on XX/XX/XXXX. I was told the matter was resolved on XX/XX/XXXX. 
Citibank then re-presented the same payment without my authorization, overdrafting my bank account and leaving me without access to funds. 
Citibank is now holding the payment until XX/XX/XXXX and has stated it will retry again, despite the prior refund and multiple contacts. I told them there are not sufficient funds for this payment and that they've overdrafted my account twice now. The keep telling me to make another payment, despite my telling them they've overdrafted my account. 
Citibank has refused provisional credit or same-day correction. 
This is a funds-availability error involving a refunded payment that was re-presented, which they refuse to cancel.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony bank approved payment over the phone before interest would be due on XX/XX/XXXX! They said it was not on there end that the payment did not go through! I checked with my bank and they said there was no attempt from them! So I made auto payments for 1 year to pay only what I owed them with no interest and canceled auto pay! they would not work work with me! then in XXXX  they sold it to XXXX XXXX XXXX I apealled it 2 or 3 times and each time I requested that they listen to the pay off recording! I spoke to the manager and he said he did not have access to the phone recordings! Thats a lie and they also refuse to listen to it! How can I make them listen to it and hear the proof that my over phone payment was approved!!

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 2025-12-27 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XX/XX/XXXXcredit 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 generallf, 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.

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 2025-12-27 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
THIS ACCOUNT WAS PAID OFF ON XX/XX/25 THRU TRANSWORLD AND THE ORIGINAL COMPANY WAS XXXX XXXX STILL SHOWING THAT A AMOUNT IS OWED BUT THAT AMOUNT HAS BEEN PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint Against Shellpoint Mortgage Servicing I am submitting this complaint regarding serious issues I have experienced with Shellpoint Mortgage Servicing related to the handling of my mortgage loan. 

I am the authorized party for the loan listed below. 
Over the past several months, I have received inconsistent and conflicting information from Shellpoint regarding the status of this loan. I have made multiple attempts to understand my options and obtain accurate information, but the responses I received have been unclear and contradictory. 

On XX/XX/year>, I received a Notice of Default and Election to Sell by mail. This was the first formal written notice I received indicating foreclosure activity. However, before and after receiving this notice, Shellpoint representatives repeatedly told me that there was no active foreclosure, no foreclosure review in progress, and no sale-related action pending. These statements directly conflicted with the existence of the mailed Notice of Default and left me uncertain about the true status of the loan. 

In addition, there have been significant discrepancies in the reinstatement amounts I was provided. Shellpoints online portal shows that approximately {$16000.00} is past due. However, during phone calls, representatives quoted reinstatement amounts closer to {$20000.00}, without providing any written explanation or itemized breakdown. Despite requesting clarification, I have not received a written reinstatement quote or a clear explanation of the difference.

My attempts to resolve these issues have been frustrating. I have experienced disconnected calls, refusals to escalate my concerns to a supervisor, and a lack of written responses after verbal discussions and portal activity. I have not been provided with clear written determinations or consistent guidance, which has made it difficult to make informed decisions or move forward. 

I am asking for assistance to ensure this matter is handled properly. Specifically, I am requesting that Shellpoint be required to : Provide a clear, written, and itemized reinstatement amount Provide a full accounting of fees, charges, and payments applied to the loan Explain in writing the status and basis of the Notice of Default dated XX/XX/year>XXXX  Review the loan for servicing errors Pause foreclosure-related activity while these issues are reviewed Assign a single, knowledgeable point of contact I am seeking transparency, accurate information, and a fair opportunity to address the situation without further confusion or escalation caused by inconsistent servicing. 

Thank you for your assistance in reviewing this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
This account ( XXXX acct # XXXX ) was charged off on XX/XX/year>. Since then the account has been repeatedly updated as Charged Off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account number XXXX from my credit report.

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 2025-12-27 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:
This account ( XXXX acct # XXXX ) was charged off on XX/XX/year>. Since then the account has been repeatedly updated as Charged Off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account number XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting a one-time goodwill adjustment for a single 30-day late payment that was recently reported on my Bank of America credit card .

I have been a Bank of America customer since XXXX and have maintained an otherwise perfect payment history. 

I contacted Bank of America customer service by phone to request a goodwill removal of this late payment, but my request was declined. Once I became aware of the late payment, I immediately brought the account current and ensured that autopay and account alerts were active to prevent this from happening again. 

The late payment was for a small amount ( approximately {$30.00} ), but it caused a significant drop in my credit score, over XXXX points, which is disproportionate to this isolated oversight. In addition, I have an impeccable payment history with all of my other credit accounts, which demonstrates that this single late payment is not indicative of my typical credit behavior. 

I am respectfully requesting that Bank of America remove this single late payment from my credit report as a one-time goodwill adjustment.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple international money transfers through Western Union from XXXX  State to recipients in XXXX. The transfers totaled USD XXXX and were sent for a business purpose that was later proven to be fraudulent. 

On XX/XX/XXXX, the primary recipient admitted in writing that he used the funds for personal purposes and provided a forged bank statement. He later issued a post-dated cheque that was not honored. Partial repayments totaling USD XXXX were made, leaving an unpaid balance of USD XXXX. 

Despite a repeated transfer pattern and multiple payments to the same foreign recipients, Western Union allowed all transfers to be completed as cash pickups. I reported the fraud to Western Union, U.S. federal authorities, my bank, and local law enforcement in the XXXX. 

I am requesting CFPB assistance regarding Western Unions handling of this fraud and its failure to prevent or stop the repeated transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legal validity of the account you are reporting under my consumer file. This dispute is submitted pursuant to 12 CFR 1006.34 ( c ), 12 CFR 1006.6 ( c ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( a ).

Failure to Provide Proper Validation 12 CFR 1006.34 ( c ) You have failed to provide legally sufficient validation of the alleged debt, including but not limited to : The name of the original creditor The itemized amount of the debt The date of default Proof of legal ownership or assignment Documentation demonstrating I have a contractual obligation to pay Without this information, continued reporting or collection activity is unlawful. 

Disputed Information and Duty to Investigate 12 CFR 1006.6 ( c ) This account is formally disputed. Upon receipt of this notice, you are required to : Conduct a reasonable investigation Cease reporting inaccurate or unverified information Correct or delete any information that can not be fully substantiated Failure to properly investigate constitutes a violation of federal law. 

Inaccurate Reporting 15 U.S.C. 1681e ( b ) You are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Reporting unverifiable, incomplete, or misleading data violates this obligation. 

Furnisher Duties 15 U.S.C. 1681s-2 ( a ) You may not furnish information that you knowor should knowis inaccurate. Continuing to report this account without verified documentation constitutes willful noncompliance. 

Demand for Relief Accordingly, I formally demand the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation of deletion Cessation of all collection activity related to this account If you are unable to provide full validation as required by law, you must remove the account immediately. 

Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, along with potential civil remedies under applicable law. 

This letter is sent in good faith and without waiver of any rights, remedies, or defenses. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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 2025-12-27 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX 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 generallf, 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.

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