vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
I am filing a complaint against Shepherd outsourcing, the company has attempted to contact me numerous times from spoofed numbers specific to my geographic location, when the company itself resides in South Carolina. In addition, there has been no attempt to identify themselves or to request to speak to a specific person, there are only numerous calls made with the hope of a callback. These calls extend beyond the threshold of which a debt collector is allowed to call in addition to going past the time period. Which they are allowed to call. I have no knowledge of what debt they may be trying to collect, but as for my rights, I refuse to communicate with these debt settlement firms to avoid resetting the seven year clock that New York State has to justify removal from credit reports I have not received any information in the mail, confirming the debt or explaining the debt and I have received no communication from this company otherwise. This is gross business, practice and harassment, and I will pursue civil liabilities as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 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 non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because the credit bureaus have willfully violated multiple sections of the FCRA by reporting false, duplicate, outdated, and unverifiable information on my credit reports AND by refusing to respond to my formal disputes. Their complete failure to reinvestigate or even acknowledge my disputes is intentional, negligent, and legally unacceptable. The credit bureaus are actively violating multiple federal statutes, includingFCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate within 30 days, FCRA 1681i Failure to conduct any reasonable reinvestigation, FCRA 1681e ( b ) Failure to maintain maximum possible accuracy, FCRA 623 ( a ) ( 5 ) Reporting inaccurate dates and delinquencies, FCRA 605 ( a ) and many others and these are not minor errors. These are systemic compliance failures. This is affecting my mental health and well-being. I'm asking that CFPB intervene and assist with my issues.

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 2025-12-08 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 am filing this complaint because the credit bureaus have willfully violated multiple sections of the FCRA by reporting false, duplicate, outdated, and unverifiable information on my credit reports AND by refusing to respond to my formal disputes. Their complete failure to reinvestigate or even acknowledge my disputes is intentional, negligent, and legally unacceptable. The credit bureaus are actively violating multiple federal statutes, includingFCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate within 30 days, FCRA 1681i Failure to conduct any reasonable reinvestigation, FCRA 1681e ( b ) Failure to maintain maximum possible accuracy, FCRA 623 ( a ) ( 5 ) Reporting inaccurate dates and delinquencies, FCRA 605 ( a ) and many others and these are not minor errors. These are systemic compliance failures. This is affecting my mental health and well-being. I'm asking that CFPB intervene and assist with my issues.

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 2025-12-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning, and I can not understand why. They did not disappear even after I refreshed my browser, so I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I submitted written disputes to TransUnion regarding specific accounts that are inaccurate, incomplete, misleading, and/or legally unverified. My disputes clearly identified the errors and requested that TransUnion investigate and either correct or delete the inaccurate information as required by federal law. 
Instead of performing a lawful reinvestigation, TransUnion : Failed to conduct a reasonable investigation into the disputed information Relied solely on automated or cursory responses from furnishers without independent verification Continued to report disputed accounts without correcting inaccuracies Failed to delete information that could not be verified Provided generic dispute results without meaningful explanation or evidentiary support These actions demonstrate a pattern of noncompliance with the FCRA and have caused ongoing harm to my creditworthiness.

Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 1. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) A consumer reporting agency must conduct a reasonable reinvestigation to determine whether disputed information is inaccurate.

TransUnion failed to perform a reasonable reinvestigation and instead relied on perfunctory or automated procedures.

Failure to Review and Consider All Relevant Information 15 U.S.C. 1681i ( a ) ( 4 ) A CRA must review all relevant information submitted by the consumer during a dispute.

TransUnion ignored or failed to properly consider my dispute documentation.

Failure to Delete or Correct Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If disputed information can not be verified, it must be deleted or corrected.

TransUnion continued reporting accounts that were not properly verified.

Reporting Inaccurate and Misleading Information 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to ensure maximum possible accuracy.

By continuing to report inaccurate and misleading information, TransUnion violated this duty.

Failure to Properly Mark Accounts as Disputed 15 U.S.C. 1681c ( f ) and 1681s-2 ( a ) ( 3 ) Disputed accounts must be clearly marked as disputed.

TransUnion failed to properly reflect dispute status or updated inaccurate data.

Willful and/or Negligent Noncompliance 15 U.S.C. 1681n and 1681o TransUnions actions constitute : Negligent noncompliance, and Willful noncompliance, as demonstrated by repeated failure to comply after notice.

As a direct result of TransUnions violations : My credit profile has been damaged I have suffered reputational and financial harm I have been denied or adversely affected in credit opportunities

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I opened a XXXX XXXX with Synchrony Bank. I was able to use the digital card without any issues while waiting for the physical card to arrive. 

By XX/XX/year>, I had accrued {$620.00} in transactions on the card. 

On XX/XX/year>, I received the physical card and began the activation process. Immediately upon activation, I received a notification from Synchrony stating there was possible fraudulent activity. I was contacted by a fraud agent who informed me that I had only XXXX options to unlock my card : Provide a video of my face through a link they would send, along with a photograph of my ID ; or Receive a letter in the mail within XXXX business days containing a code I could provide to unlock the card. 

I expressed frustration, as I had already been able to use the digital card without issue. The sudden requirement to submit biometric data felt coercive, as the only alternative was to wait an extended period without being able to use the card. I escalated the matter within XXXX fraud department, but I was told there were no other authentication options available. I requested the letter with the verification code and decided to wait the XXXX days. 

On XX/XX/year>, I contacted Synchrony again because I had not received the letter they told me would be mailed. The initial representative appeared unfamiliar with their authentication process, so I requested escalation. The next representative informed me that my account had been upgraded to require additional documentation in order to unlock the already-used card. They also stated that the initial letter I had been expecting was never sent, and they could not locate any record of it ever being issued. 

I was told my options were either to provide biometric data again or to mail a physical copy of my ID along with proof of residency. I explained that I do not have access to a printer and therefore can not mail physical copies of documents. I asked whether I could upload the documents through a secure link or send them via emailespecially since they were requesting biometric data and presumably had secure systems in place for document intake. I was told that neither option was permitted and that they would only accept documents mailed physically or the biometric face scan. 

I escalated the matter further and continued to receive the same responses. I repeatedly informed multiple representatives that I was never notified, during the application process or while using the card, that I would be required to submit biometric data or mail sensitive documents in order to maintain access to the account. Despite raising clear privacy concerns, no representative offered any alternative solution or accommodation to resolve the issue.

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 2025-12-08 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: TX

Complaint narrative:
This serves as my official objection to the referenced accounts. I do not recognize them and did not consent to their creation. I request their immediate removal and a full examination. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ORIGINAL COMPLAINT ID : XXXX I WILL NOT ACCEPT RESPONSE FROM CHASE. I HAVE NOT LIVED IN A HOUSE SINCE XX/XX/year> I AM HOMELESS AND DRIVE AND LIVE ON A SEMI TRUCK AND HAVE DONE SO SINCE XXXX, SO THE RETAILER CLAIMING TRACKING MAKES NO SENSE BECAUSE I AM HOMELESS. I AM PROVIDING A LETTER FROM MY EMPLOYER WHO YOU MAY CONTACT TO CONFIRM THAT I AM HOMELESS AND LIVE ON THE TRUCK. I DONT EVEN RECEIVE MAIL. ALSO, NO SIGNATURE WAS EVER COLLECTED FROM MERCHANDISE THAT I SUPPOSEDLY RECEIVED AND ORDERED FROM XXXX XXXXXXXX ARTS WHO I ALSO HAVE NEVER HEARD OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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