vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CADENCE BANK
State: AR

Complaint narrative:
Earlier this year i opened my checking account and found that a large sum of money had been taken from this account through electronic transfers and fradulant checks. I have completed all the necessary documents the bank told me to do and have, to date, not gotten any of the fraud checks back ; that amount is nearly {$72000.00}. I have asked the bank for information many times and get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: LEXISNEXIS
State: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX  Account Number : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance wit
h federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over 147 million individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Requested mortgage assistance with my servicer Shellpoint Mortgage they are unwilling to help me save my home from foreclosure. They are now requiring a large down payment to give me mortgage assistance. I would not need mortgage assistance if I had funds to make a large down payment. I don't feel I am being treated fairly, I feel they are discriminating against me because I am a single XXXX female. Please help I don't want to lose my home. Shellpoint did recently approve a modification for my XXXX mortgage, and I have been making required payment. Recent request for mortgage assistance with my income has been recently emailed again for the 3rd time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for reporting inaccurate and illegally re-aged information on my credit report. A charged-off account is being reported with continuous CO ( charge-off ) statuses every month from XXXX through XXXX, along with new XXXX, XXXX, XXXX, XXXX, and XXXX late payments long after the charge-off date. This is impossible and violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). The account also shows ND ( no data ) codes in random months, an inaccurate past-due balance, and a status updated XXXX entry even though new XXXX data is being added. This is illegal re-aging and false reporting. The last payment was in XX/XX/XXXX, which establishes the Date of First Delinquency ; therefore the account must follow the 7-year reporting limit under FCRA 605 ( a ) ( 4 ).

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Good day, I called and asked How can i go about paying the XXXX $ loan - Chime states it wont allow unless my regular account is in the positive, which it isnt because i was laid off from XXXX XXXX on XX/XX/year> and no longer get direct deposits after getting them for 5 years.I have attempted to just pay the loan out but they wont take the payment over the phone, stating since i have a negative balance of XXXX, they wont accept the XXXX $ until that amount is cleared up. I dont have that amount as of right now as i am receiving unemployment. They placed this XXXX $ on my credit report as a late payment, but how is it late when they continue to refuse the payment. I have contacted them 5 times and each rep states the same. I want to pay this XXXX $ and i also have disputed this on my credit report. I will make the XXXX $ payment once i am rehired at another job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Request for investigation & Deletion of inaccurate accounts - FCRA 1681e ( b ) To Whom it May Concern, I am disputing the accuracy of the following accounts : - XXXXXXXX XXXX XXXX XXXXXXXX Under FCRA XXXX ( b ), you must maintain maximum possible accuracy. These accounts are inaccurate or unverifiable. XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) - superficial investigations violate FRCA. Please delete and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: DE

Complaint narrative:
I am disputing the following items on my Equifax credit report : Charged-Off Accounts EQ : 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} Inquiries EQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I did not open or apply for a PayPal Mastercard. I received a letter stating it was denied. I called and they said there were charges of {$1000.00}.

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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I am disputing a collection account listed on my Experian credit report. The account is : Collection Company : Southern Management SY Original CredXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5100.00} Date Opened XXXX XXXX XXXX XXXX XXXX XXXXo not recognize this apartment collection account. I request that XXXX  verify the account by providing the full signed lease, the move-in inspection, the move-out inspection, the itemized list of charges, and proof I am responsible. 

If full verification can not be provided, please remove this account from my credit report. 

I attempted to submit a dispute with XXXX  directly, but their website would not allow me to dispute this account online. I am filing this complaint to ensure my rights under the Fair Credit Reporting Act are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
My credit card was charged by XXXX XXXX XXXX for {$99.00} on XX/XX/XXXX. I thought it was a fraudulent charge, I've never seen this before and had no idea what it was. There was a phone number to call, so I called it, and the very first thing was a recording saying if you're calling about to credit card charge to call a different number, so I did. Given this was the first thing on the recording, I assume they do this a lot, and get a lot of calls about it. I called the second number, which was only a recording to send them an email. The company is " XXXX XXXX  '' and I'm still incredibly unclear what they are or what they do. I sent them on email on XX/XX/XXXX, when I discovered the charge, and requested information and a refund. They asked me for additional information to " find my account '' and I sent that and haven't heard back. I reached out to a different email address at the company, which looks like a personal email for an employee there ( not just a generic support email ), and that person has also not responded to me. When I XXXX " XXXX XXXX XXXX' the first result is their website, and the second is a reddit thread about how this has happened to a ton of different people. I just want my money back and whatever " account '' I have canceled. I don't know what this company is, and I've never signed up for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management. I have a debt with them through XXXX XXXXXXXX XXXX XXXX XXXX I have since had my legal name changed. I've been willing to work with them thus far. But I have only asked for my name to be updated for legal accuracy as my right with the FCRA. I have all the legal means and documentation. Court papers, driver 's license, social security, birth certificate everything. I was told online to call XXXX from an account XXXX XXXX XXXX online saying they'd change it for accuracy. But when calling they said they can't, wouldnt provide a reason. I reiterated my means to provide proof. But they ignored it and said they can't do anything and weren't willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor NamXXXX XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXXccount Number : [ XXXX ] Creditor Name : XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXount Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX I made a {$1000.00} XXXX. Several products were added to the loan that are optional, but never offered as optional just added to the loan. When I questioned the add-ons I brief explanation was given, but still wasn't told it was optional, until I specifically asked if it was optional. All add-on are for the duration of the loan, I'm not sure if it extends beyond that. XXXX add-on is a membership to XXXX XXXX XXXX XXXX XXXX offers roadside assistance ), another add-on is Life Insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1st franklin Financial the beneficiary XXXX and last optional add-on that is applied is disability insurance. On the day of the loan I asked why would I need a auto membership, I was told " Oh you can cancel it if you don't want it '', rep said she would have to send something to them telling them to cancel. Now keep in mind I hadn't even left the office or got a check and it had already been applied when she phone the loan in to the main office for approval or entered in the computer. When signing the paperwork I was asked " who I wanted to designate as a beneficiary ''. I blurted out a name, but my thought was a beneficiary for what? NEVER RUSH WHEN SIGNING PAPERS AND ALWAYS READ WHAT YOU ARE SIGNING! Well I signed but the thought remained in my mind so I called back and asked why was that necessary, I was given an explanation, but when I asked was it optional I was told yes, However it was automatically added to the loan and I wasn't told it was optional. I was told I could cancel it but needed to go in, I did a few hours later to cancel it and the XXXX insurance, which was also an optional charge just added to the loan. I was issued a check for the refund cancellation, and told the membership cancellation check would arrive in the mail. While there I witnessed other people making loans, and never once heard the word optional add-ons mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
I am writing to dispute several accounts listed on my credit report. I believe that the information reported is inaccurate and should be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute, separated by bureau. 

INQUIRIES 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

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