vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax is inaccurately reporting closed and fully paid accounts in a way that continues to show negative late payment history, despite the fact that these accounts have XXXX balances and no past due amounts. This is misleading and fails to comply with the accuracy and reinvestigation standards established under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The accounts in question are : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed and Paid XXXX Remaining Balance/XXXX  Past Due XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed and Paid XXXX Remaining Balance/XXXX  Past Due XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed and Paid XXXX Remaining Balance/XXXX  Past Due Each of these accounts was resolved in full and should be reported as such without lingering derogatory late payment notations. By allowing these accounts to reflect historical late payments even after they were closed and paid, Equifax is presenting a distorted and damaging picture of my creditworthiness. This practice undermines the principle of maximum possible accuracy required under 15 U.S.C. 1681e ( b ). 

I have disputed these items previously, yet Equifax has not corrected the errors. Instead, the bureau has simply verified the information without producing any documentation or proof that justifies the continued reporting of late payments. Under 15 U.S.C. 1681i, a proper reinvestigation requires more than parroting the furnishers responseit requires actual evidence demonstrating the accuracy of what is being reported. That standard has not been met here. 

The continued presence of these inaccurate late payment histories is not harmless. These entries have reduced my credit score, increased my borrowing costs, and diminished my ability to qualify for favorable credit opportunities. I recently experienced higher interest rates on a loan application directly because of these derogatory notations, which should not be there in the first place. Beyond the financial harm, this situation has also caused stress and wasted time as I continue to dispute information that is demonstrably inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I sent an email along with signed borrower 's authorization copy of mtg statement and the borrowers social on XX/XX/XXXX to XXXX on XX/XX/XXXX. I waited the normal turn time 5-7 business days to follow up with a phone call and was told I had to send to the commercial loan payoff department at XXXX in which I sent on XX/XX/XXXX at XXXX XXXX  and I received a auto reply that my request was received and will be processed within 5-7 bus days. 
Since the XXXX of XXXX i have called several time asking for status of the payoff demand and each time I am told something different. I followed up with a call on XX/XX/XXXX and was told by customer service that they received my request but it was not worked on until the XXXX and to wait the full 7 bus days to receive the payoff demand. 
I still have not received the demand letter as of the XXXX almost XXXX month from my initial request on XX/XX/XXXX. This continues to be an issue with this company when requesting payoff demands and does not look good on Escrow for the consistent delays. 
I called back this morning and was now told that the payoff was sent to me on the XXXX of XXXX in which i didn't receive on the XXXX. when I asked customer service to read the email it was emailed to on the XXXX of course they sent it to the wrong email. I told customer service they sent it to the wrong email as if you look at my initial request my email is very large so they wouldn't have this issue. Customer service then said she would resend to me to the correct email and i should have it within XXXX hour and that was today at XXXX XXXX  it is now XXXX XXXX  and I still have not received the email to include the payoff demand.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I am filing a formal complaint against CBSA regarding a collection account they are reporting on my credit file, allegedly purchased from XXXX XXXX XXXX XXXX. This account is being reported to the credit bureaus without me ever receiving any required written notice of debt or validation of debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The FDCPA clearly requires that : A consumer be provided with written notice within 5 days of the initial communication. 

A debt collector must cease all collection activity, including credit reporting, until proper validation has been provided. 

Despite this, CBSA is actively reporting this alleged debt to the credit bureaus, and it has even been verified by the credit bureaus without any validation being provided to me. This is a direct violation of federal law. Additionally, the Date of Last Activity ( DLA ) on this account is being reported differently across each credit bureau : One bureau shows the DLA as XXXX. 

Another bureau reports the DLA as XXXX. 

This inconsistency is extremely damaging because : The DLA determines how long a negative item can legally remain on a credit report under the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681c. By reporting conflicting DLAs, CBSA  and the credit bureaus are unlawfully re-aging the debt, making it appear newer than it is. This artificially extends the reporting period and causes greater harm to my creditworthiness. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate or incomplete information.

Under FCRA 611 ( a ) ( 1 ), if an item can not be verified accurately, it must be deleted. 

This accounts inconsistent DLAs prove that the information is not consistent, accurate, or verifiable, and therefore it should not remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I was alarmed to find several accounts that did not belong to me. Each of these accounts was associated with unfamiliar names and addresses, raising serious concerns about identity theft. Additionally, I received a notification informing me that my personal information had been compromised in a recent data breach, which has heightened my XXXX  about the security of my financial information.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year> @ Approximately XXXX XXXX  I XXXX XXXX XXXX the account owner of checking account # XXXX entered into the location of citizens bank XXXX XXXX XXXX XXXX XXXX XXXX. I had contact with Senior relationship banker XXXX XXXX XXXX XXXX who can be reached at XXXX I wanted to ask questions on this particular account. XXXX XXXX informed me that this account was closed. I then took a deeper dive into this investigation as to why this happened. I was informed by XXXX XXXX that the account was deceased because of a petty balance issue of a negative balance of {$21.00}. As a result of this time lapse of about XXXX months of it being in this status. 
Citizens bank then took a course of action to decide that it was fair to hit the bank account owner with undisclosed fees and ending its life span without the owners permission and rallying up unethical and unjust charges of {$290.00}. As a result the investigation I decided to come forward with this complaint to the CFPB..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This dispute concerns fraudulent accounts appearing on my credit file. I have no connection to these accounts, did not authorize them, and did not engage in any activity related to them. Their presence is completely false and has caused undue harm to the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a formal dispute concerning fraudulent accounts listed under my credit profile. I had no knowledge of these accounts, did not authorize them, and they are entirely inaccurate. Their inclusion misrepresents my financial history and unfairly damages my credit standing.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongly added to my credit history. These accounts are inaccurate, unauthorized, and have no legitimate link to me. Their appearance is misleading and damaging to my financial reputation.

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 2025-09-18 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: WV

Complaint narrative:
SUBJECT : Intentional Withholding of Material Statement PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) This is Volume XXXX of a XXXX, XXXX documented sequence detailing systemic Citi misconduct. 

In this Volume, I relay how Citi has withheld to this day my requested XX/XX/year> statement, which would have shown my {$4000.00} credit refund. By omitting that statement, a billing period with clear activity, Citi continues to obstruct transparency and conceal critical account information.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CT

Complaint narrative:
In late XXXX, 2025 I noticed that I had overpaid my balance on my Fidelity credit card. There was a credit of {$4700.00}. I called Fidelity and requested a refund. I requested the funds be moved to any of my Fidelity accounts. I was informed that the only way to get a refund was through a paper check. I reiterated to send the check to me, as the Fidelity representative did they usually send overages back to the sending bank. I asked to have this expedited but was told it would take several weeks depending on the USPS. 

When I did not receive a check weeks later I called Fidelity. They informed me the refund had been sent back to the originating bank. I checked my XXXX account where the overpayment to Fidelity had originated, and no check was received. Fidelity said the refund was issued and they could not do anything. I pointed out that they mailed the reimbursement to the XXXX XXXX XXXX XXXXXXXX which is a different bank. They said it probably was the same bank. They mailed a response and a copy of the cancelled check. 

I spoke with XXXX who said that they have no relationship with XXXX XXXX XXXX XXXX  and do not have any addresses in Georgia. They received no funds from Fidelity.

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 2025-09-18 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: EdFinancial Services
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
In early XXXX, I was misled into co-signing an auto loan at XXXX XXXX XXXX XXXX ( XXXX ) with a person who turned out to be a scammer. The car title was placed only in the other persons name, and I never received or used the vehicle. From XXXX through XX/XX/XXXX, I made monthly payments of {$760.00} on time, while the co-borrower never paid anything. 

XXXX representatives advised me to refinance the loan solely into my name, promising this would fix the problem. Instead, this made the situation worse. After that, I stopped payments, since I had no car and XXXX was not providing a solution. 

Despite my repeated disputes ( by phone, portal messages, and letters to XXXX XXXX and Board ), XXXX never gave me a proper written response. Instead, they reported the account inconsistently : inactive ( XX/XX/XXXX ), later active, and finally charged-off as of XX/XX/XXXX. 

This has severely harmed my credit. I am requesting CFPB assistance to require XXXX to delete or correct this account and remove all negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-09-18 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  XXXX XXXX - Account Number XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-18 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: NJ

Complaint narrative:
I am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft. 

Below are the details of the fraudulent account : Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Loan Amount : {$30000.00} Date Opened : XX/XX/year> Reporting Institution : XXXX XXXX  I request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt. 

Attached are copies of the following documents to support my claim : A copy of my government-issued ID A police report or FTC Identity Theft Report A recent utility bill or other proof of residence Any other relevant documentation Please confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 non-monetary relief