vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
XXXX, Innovis, and XXXX XXXX  are reporting incorrect information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX CA XXXX. Remove any names, addresses and phone numbers they do not belong to me. Once these changes have been done send me an updated copy of my consumer report with your company. Do not stall my complaint by asking for my identification I have attached it to this complaint.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX BANK - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX of XXXX my father passed away, we notified NewRez of this at that time. We received the death certificate and affidavit of heirship in XXXX and forward them both to NewRez via email on XX/XX/XXXX to become an authorized user on the account so that we can make changes and payoff the loan. We then found out in XXXX the affidavit needed to be the court filed copy, on the paperwork sent it did not state this specific detail. On XX/XX/XXXX the court copy of the affidavit of heirship, death certificate and copies of DL were all resubmitted via email. We have been told numerous times over the last several months this process should be completed within 3-5 business days. Although with every call we keep getting told that we have not submitted the correct paperwork, but once the emails are reviewed they do see the correct documents. Each time we have been told that they are resubmitting a case yet no one has reached out and we can not get a returned phone call. All we can do is continue to call to check in and we are still at a standstill with it now being two full months since the correct documents were submitted. We believe at this point the process is being stalled out by NewRez to gain more interest from the loan on payments.

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 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
On XX/XX/scrub>, 2025, XXXX XXXX debited {$170.00} from my XXXX XXXX XXXX  ( issued by XXXX, XXXX. ) without my authorization. XXXX later claimed this was a pro-rated amount for coverage during a period of non-payment before my policy was canceled. I received no prior or post-transaction notice of this charge. I reported it to XXXX XXXX the same day as fraud, before realizing it was from my former insurer. This transaction is still classified as unauthorized under the Electronic Fund Transfer Act ( Regulation E ). Despite timely notice, XXXX XXXX has refused to reverse the charge, and XXXX XXXX claims they can not take action. Both parties have failed to resolve the matter.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-08-12 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable, as it reflects false and misleading information about my financial history. 

I take the accuracy of my credit profile extremely seriously. The reporting of these unauthorized accounts is of significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have disputed a XXXX ( Citibank ) account that appears on my credit reports with multiple credit bureaus. I personally sent Citi XXXX a dispute letter requesting verification of this account. Citi responded with three separate letters, dated XX/XX/year>2025, XXXX XXXX, 2025, and XX/XX/year>2025, each confirming they could not locate any account in my name. 
Despite this clear proof, XXXX  and XXXX  continue to report this account as remains without providing any documentation to support its accuracy. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, which require credit bureaus to ensure maximum possible accuracy and to delete unverifiable information.

I am requesting that the FTC investigate this matter and take action to ensure this unverifiable account is permanently deleted from my credit reports.

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 2025-08-12 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: AL

Complaint narrative:
Complaint Against : Experian Information Solutions , Inc .

Issue : Inaccurate dispute records and improper recordkeeping under the Fair Credit Reporting Act ( FCRA ).

Product : Credit reporting, credit repair services, or other personal consumer reports. 
On XX/XX/year>2025, I obtained my Experian credit report showing the status of a disputed XXXX XXXX XXXX  account. The dispute log for this account contains multiple entries labeled Invalid date instead of proper timestamps documenting dispute actions. 

This is not an isolated problem I have other accounts with the same error in Experians system, indicating a systemic recordkeeping defect.

These Invalid date entries violate : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation by not maintaining accurate dispute records, which are essential for verifying compliance with statutory requirements.

The inaccurate recordkeeping prevents me from verifying when dispute actions occurred and whether Experian met legal deadlines. This is critical to confirming whether the reinvestigation was lawful. 

Additionally, the XXXX XXXX XXXX  account continues to be reported as charged off and past due despite being under active dispute, which is misleading and harmful to my credit profile.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have requested multiple times to remove the mortgage insurance from my mortgage as I have more than 20 % equity. The latest occurrences was in XXXX and XX/XX/year>2025. I have messages and voicemails from them wanting to give me cash out for the equity in my home but they refuse to remove the mortgage insurance. I have even sent them documentation of the equity in my home. My loan balance is {$170000.00}. The estimated home value is over $ XXXX. My loan number with them is XXXX. I have been billed monthly for {$66.00} for mortgage insurance that I'm not required to pay due to the equity in my home. After numerous attempts to ask them to remove this and them ignoring me, I'm now opening this complaint to have this removed and all the overpayments refunded to me. I also am requesting they stop contacting me for a loan. They have also called trying to persuade me to cash out the equity and refinance my mortgage balance into a higher interest rate. When I told them I wasn't interested in doing that as why would I pay a higher interest rate, their response was that alot of people do this and then refinance when rates come down. I'm in finance as a living so I know better, but if they are recommending people do this, this is bad advice. They should not be giving financial advice to people so they can make more money.

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 2025-08-12 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am refiling this complaint against TRUIST several times for conducting an unauthorized hard inquiry on my credit report dated XX/XX/scrub>/2024. I did not apply for credit, services, or any product with TRUIST, nor did I provide any written or verbal consent for the company to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), a credit inquiry must have a permissible purpose, yet TRUIST has not demonstrated any such purpose in this case. 

Upon identifying this unauthorized inquiry, I disputed it with the credit reporting agency XXXX  multiple times and requested proof of permissible purpose from TRUIST. Despite these repeated disputes, the inquiry remains on my credit report, and I have not received any documentation from TRUIST to justify their access to my credit file. This failure to respond or correct the matter is a violation of 15 U.S.C. 1681b and demonstrates noncompliance with federal consumer protection laws.

The continued reporting of this unauthorized inquiry has negatively impacted my credit profile and created a misleading picture of my credit history. Each hard inquiry can lower my credit score, and TRUISTs actions have caused harm without any legitimate or legal reason. This behavior erodes trust in the accuracy and fairness of the credit reporting system and violates my rights as a consumer.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

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 2025-08-12 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : 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 2025-08-12 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: FL

Complaint narrative:
I am writing to express my deep disappointment regarding your failure a to correct the inaccurate information on my credit report as outlined in my previus letter dated XX/XX/XXXXXXXX  and XX/XX/XXXX. Despite my repeated request and the provision of ample documentation, the incorrectly reported late payments on XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX unaddressed. 

As previusly stated, according to 15 U.S code 1660b creditor must send periodic statement, including all information required by section 163 b at least 21 days before the payment due date.

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

Complaint narrative:
I am writing to express my deep disappointment regarding your failure a to correct the inaccurate information on my credit report as outlined in my previus letter dated XX/XX/XXXXXXXX  and XX/XX/XXXX. Despite my repeated request and the provision of ample documentation, the incorrectly reported late payments on XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX unaddressed. 

As previusly stated, according to 15 U.S code 1660b creditor must send periodic statement, including all information required by section 163 b at least 21 days before the payment due date.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT MY ATTACHED ACCOUNTS LATE WHEN I HAVE NEVER BEEN LATE WITH MY PAYMENTS ON ATTACHED ACCOUNTS. EVEN AFTER SHOWING PROOF THAT I WAS NEVER LATE ON MY PAYMENTS THEY CONTINUE TO REPORT MY ACCOUNTS LATE EVEN AFTER BEING NOTIFIED AND SHOWING PROOF I WAS NEVER LATE.

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