vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: OH

Complaint narrative:
What happened : I am filing this complaint because my student loan servicer reported late payments on my credit report that I believe are unfair. 

When I finished school, I was under the impression that repayment would begin once I started working, not six months after graduation. I was never properly informed by the company that my payments were due after the six-month grace period. I did not receive any letters or emails explaining when I had to start making payments or instructions about creating an online account.

I began school during COVID-19 and was also pregnant at the time, which made it more difficult to receive accurate information and guidance. This was my first student loan, and I did not have experience with repayment rules. I only recently created an account and started making payments once I was informed. 

I believe the company failed to provide me with the correct information and adequate communication. Because of this, I was unable to make payments on time. I am requesting that the late payments be removed from my credit history since the situation was caused by lack of proper guidance and not by unwillingness to pay. 

I already contacted the company to resolve this issue, but they refused to help. Please review my case and assist me with removing these late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
On XX/XX/year> I reported to Experian that there was an account on my credit report due to identity theft. It took over 30 days for them to notify me that this was my account and they were leaving it. When I contacted them on XX/XX/year> to ask for their investigation report, they stated that they did not have one and to contact the creditor. Then the agent told me to dispute it once more and the results will be sent to me. This was done in one day. On XX/XX/year> the dispute was done and they once again stated that it would remain. They did not even do an investigation the second time.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX bike from XXXX XXXX for {$320.00}. The bike was delivered on XX/XX/year>, in damaged conditionthe box was partially open, and the bike had multiple scratches and scuffs. I immediately notified XXXX XXXX on the same day via their online form and followed up with photos by email, requesting a return and refund. 

XXXX XXXX later refused my request, stating I had not purchased shipping insurance. However, there was no option to purchase shipping insurance at checkout, making their refusal both unfair and deceptive. 

I disputed the charge with Citi Card under the Fair Credit Billing Act. I provided documentation including photos of the damage, copies of my communication with XXXX XXXX, and proof that no insurance option existed at checkout. Despite this, Citi resolved the dispute in favor of XXXX XXXX, stating they could not reopen it. Citi relied on XXXXXXXX XXXX claim that I never contacted them, which is demonstrably false. My documentation clearly shows I contacted XXXX XXXX on XX/XX/year>, immediately after receiving the damaged product. 

XXXX Requested : I am seeking a full refund of {$320.00} for the damaged bike. 
I request that XXXXXXXX XXXX be held accountable for misrepresentation ( falsely claiming I never contacted them ) and for refusing to honor a return/refund based on a non-existent shipping insurance option. 
I request that Citi Card review this case properly under the protections of the Fair Credit Billing Act, as I should not be held financially responsible for a defective product that I promptly reported.

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 monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I dispute the accuracy and validity of a collection account being reported by XXXX XXXX XXXX. The account is listed as Account # XXXX XXXX, originally from CashNetUSA, with a reported balance of {$1200.00}. 

I never received proper validation of this debt as required under the FDCPA, and the company continues to report the account on my credit file in violation of the FCRA. I am requesting that the CFPB require XXXX XXXX XXXX to : Provide complete validation of the debt if they claim it is valid ; Cease all collection activity ; Remove or correct any inaccurate or unverified reporting from all credit bureaus. 

I am exercising my rights and asking for this matter to be investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently check my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, Please remove these fraudulent inquires from my credit report. I also attached my identity theft report as well.

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 2025-09-03 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: FL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late 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 2025-09-03 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: NY

Complaint narrative:
I have been part of an Equifax and Transunion Data Breach. Please remove all addresses not associated with me and accounts incorrectly reported.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Account ending in XXXX you're still asking for over {$8000.00}. you have failed to investigate the fraudulent transactions. I should have a XXXX balance. Nobody disputing at the card was used. It just wasn't used by us. We've already reported to you that at one point our bag was lost with the wallet all the credit cards passport ID phone. Everything was gone you're not the only credit card that was used illegally. You're just the only one that's trying to make me pay for transactions that should have been investigated and gotten back from the merchant. And now you've waited too long that I'm guessing you probably can't get your money back from the merchant so now it's either the bank takes a loss or the poor consumer takes a loss and you think well it's easier just railroad me into it. It's like you've made up your mind and there's nothing I say or do will change the outcome. You say I haven't provided any proof. I've asked you but proof it is that you need and you just ignore my question. I mean, I don't know how to prove that I lost my back every other bank understood and canceled the card and filled out all the paperwork and did everything we were supposed to do. This is the only Bank that is treating us like criminals when we did nothing wrong. I should have a XXXX balance if I have to go in front of a judge, I will and I will explain this to them and I hope that your attorney can explain why you didn't investigate these. There's no way you investigated. There's no way that you found any proof that we were liable. We didn't give anybody else permission to use the card. We didn't have the card in our possession. We didn't benefit in any way from the card. I need you to actually investigate this. I promise you I will go in front of the judge and tell him that you did not follow the law or your own policies. Your XXXX fraud liability. I'm pretty sure the judge is gon na wan na know why And if you really did investigate these, which I find out extremely hard to believe in what possible proof did you find that would show that I was liable for these fraudulent transactions I didn't even have the card in my possession. This is just predatory ending. This is a big Bank trying to take Advantage of a single consumer And Ive clicked the button so they can publish this so that everyone can see the poor customer service. Im receiving Ive been asking you to investigate the fraudulent transactions for months and months and months and you just fly out refuse to you havent been able to show me any proof nobodys disputing the card was used, but it wasnt used by us. We werent even in these locations. I shouldve ever XXXX balance.

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 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Complaint Against Newrez Shellpoint Mortgage Servicer/Debt Collector .

I began sending Notice of Error, Qualified written Request, and verification certified letters to Shellpoint Mortgage Servicer in XXXX, XXXX, XXXX, and XXXX. The first letter requested that Shellpoint Mortgage verify our loan. Shellpoint Mortgage Servicer. Shellpoint responded twice with the same answer, stating that they did not have to verify our mortgage. Additionally, each time they responded within around 10 days with a letter asking for 30 days to examine my concerns. They would always respond after 30 days with a refusal to correct anything. It was not until I wrote my Senator 's office to ask for their assistance in requesting that Shellpoint Mortgage correct egregious errors, such as explaining erroneous fees, {$64000.00} attached to the end of the loan, making our loan a Conventional Loan with a 6 % adjustable rate. However, the loan was and is an FHA loan with a 4 % interest rate. Nevertheless, after making the corrections, they continue to add on additional fees, not give us a reasonable loan modification. The loan modification was unattainable and impossible for us to pay. However, we received assistance from XXXX XXXX XXXX, but Shellpoint Mortgage did not apply the payments to our mortgage. Lastly, since XX/XX/XXXX, Shellpoint Mortgage Servicer has refused our monthly payments. Once, one of the representatives told me that an attorney was representing me. As a result, she would not allow me to make a payment. My second time, I was told that I could not pay the mortgage, I was told that I was three payments behind, when I was only one month behind. The next time, I was told that I had to make 3 payments, or I could not pay at all. Today, I called to attempt to make a mortgage payment, but they're saying that we have to pay {$7000.00} + to simply make a payment. My husband and I are XXXX and XXXX XXXX XXXX, and this blatant elder abuse, predatory lending are using harassing tactics. Please help.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX Merchants Adjustment Service XXXXXXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Re : Debt Validation Request Account No. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) To Whom It May Concern : This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I recently obtained a copy of my credit report, which lists the above-referenced account allegedly with your company, originally from XXXX XXXX XXXX XXXX The account is reported as a collection account with a balance of {$570.00}, opened on XX/XX/XXXX. I hereby dispute the accuracy, completeness, and validity of this account and request full validation before any further reporting, collection, or enforcement activity continues. 

As required by law, provide the following : 1. A complete itemized accounting of the alleged medical debt, including the date of service, treatment details, and all charges applied.

2. Proof of ownership or assignment demonstrating that your company has legal standing to collect or report this account.

3. Verification of compliance with all applicable state and federal medical privacy and collection laws, including HIPAA requirements and proper authorization for disclosure. 


4. Identification of the original creditor ( XXXX XXXX XXXX ), along with the original billing statements. 


5. Documentation of my written agreement or authorization for treatment that creates a legal obligation to pay.

Until full validation is provided, you must immediately cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Failure to properly validate this debt within 30 days of receipt will constitute a violation of both the FDCPA and FCRA, and I will not hesitate to pursue all legal remedies available, including filing
complaints with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Health & Human Services ( HHS ) for potential HIPAA violations, my State Attorney General, and pursuing action for damages in civil court.

Be advised that continued reporting of unverified or inaccurate information to any credit bureau is considered willful noncompliance under 15 U.S.C. 1681n, which may subject you to civil liability.

Please respond to this request at the address listed above. If you can not validate this account, you are required by law to immediately delete it from my credit reports with all consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID, Social Security Card, and Proof of Address

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 2025-09-03 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: UT

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: UT

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

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 2025-09-03 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:
I am writing to dispute inaccurate and unverifiable information being reported on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reinvestigation into the following account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Reported Balance : {$3500.00} This account is reporting late payments and/or balance information inaccurately. The reported payment history does not reflect my actual payment performance, and therefore the information being furnished is misleading and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
b'I am disputing the inaccurate reporting of a XXXX XXXX XXXX  account on my XXXX  credit report.\n\nOn XXXX XXXX XXXX, I settled this account in full for XXXX under a written settlement agreement with WF CRD SVC. I have attached the settlement agreement and proof of payment.\n\nDespite thisXXXX XXXX continues to report:\n\nA charge-off dated XXXX XXXX after the account was already settled.\n\nA status of Paid in settlement. XXXX written off, which misrepresents the actual terms of the settlement.\n\nThis information is false, misleading, and damaging to my credit file.\n\nI have disputed this account witXXXX XXXX on the following dates:\XXXX time, XXXX returned the account as verified accurate despite my submission of proof showing otherwise, most recently on XXXX\n\nViolations of the FCRA:\XXXX has failed to conduct a reasonable reinvestigation as required under FCRA 611 (15 U.S.C. 1681i), given the repeated pattern of ignoring evidence.\n\nWells Fargo, as the furnisher, has failed its duty under FCRA 623 (15 U.S.C. 1681s-2) to report accurately and to investigate disputes forwarded by 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 non-monetary relief
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
I observed some inaccuracies on my credit report and reached out to the credit bureau to investigate. However, I don't agree with the account listed below which still appears in my credit report even after their investigation. 

XXXX Bank XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX ) - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX XXXX - Account 1 - # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  - Account 2 - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief