vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Equifax is reporting items on my credit profile that does not belong to me. They are reporting credit inquiries that I did not authorize nor did I apply for any credit with the companies if the inquiries. 

Credit inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All In XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following credit inquiry listed on my credit report. I did not authorize this inquiry, nor did I apply for any credit with this company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, a consumer reporting agency may only furnish my credit report when there is a permissible purpose. This inquiry does not meet that standard and must be removed immediately. 

Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Listed account as charged off and never provided a 1099c form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-03 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: NY

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion are reporting information that is inaccurate, improperly verified, and in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Experian is reporting accounts and inquiries with incorrect dates, inconsistent data, and questionable permissible purpose, including unauthorized hard inquiries from XXXX XXXX  XXXX XX/XX/year> and XXXX XXXX on XX/XX/year>, which I did not authorize and which violate FCRA 604 ( a ) ( 3 ). Experian is also reporting accounts that appear to be inaccurately aged or outdated, potentially violating FCRA 605 ( a ), and the Date of First Delinquency ( DOFD ) has either not been properly reported or conflicts with the information provided by furnishers, violating FCRA 623 ( a ) ( 5 ) and 605 ( c ). Experian continues to report information that is inaccurate or unverifiable, which violates FCRA 623 ( a ) ( 1 ) ( A ), as furnishers may not report information they know or should know is false or misleading. In addition, TransUnion is reporting several personal identifiers that do not belong to me, including multiple incorrect name variations such as XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXXXXXX XXXX as well as inaccurate and unrelated addresses including XXXX XXXX  XXXX, New York, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. These errors violate the FCRA requirement that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of personal information and prevent file mixing or misassociation. These inaccuracies place me at risk of being associated with someone elses credit activity and undermine the integrity of my credit reports. Despite my disputes, these reporting agencies continue to maintain false information, fail to properly investigate, and allow unverifiable or unauthorized data to remain on my consumer 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 2025-12-03 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: NY

Complaint narrative:
Issue : Shellpoint Mortgage refusing to provide hardship assistance or proper loss-mitigation review. 

Complaint : Date XX/XX/year> My mortgage is serviced by Shellpoint Mortgage Servicing. I am a homeowner and I am currently XXXX payments behind ( approximately {$20000.00} ). I have contacted Shellpoint multiple times asking for hardship assistance such as a forbearance, repayment plan, or loan modification, but they have not provided any meaningful help. 

Shellpoint representatives have refused to properly evaluate my hardship request. They did not transfer me to the Loss Mitigation or XXXX XXXX Department, and I have not been assigned a Single Point of Contact as required. Despite explaining my financial hardship and willingness to provide all needed documents, Shellpoint has not offered any loss-mitigation options and has not provided any written denial or explanation. 

Shellpoint is failing to comply with federal mortgage-servicing rules, which require a full review of all available options when a borrower is facing financial hardship. I am trying to keep my home and am requesting the CFPB to require Shellpoint to : XXXX. XXXX a full review for all available loss-mitigation programs, XXXX. Provide a Single Point of XXXX, XXXX. Pause any collection or foreclosure activity during the review, XXXX. Provide a written explanation for any decisions, XXXX. Respond in good faith per federal servicing regulations. 

I am ready to submit any documents Shellpoint requires XX/XX/year>. I didnt heard anything from after reviewing my documents XX/XX/year> I called them yesterday and they say they need more documents for review but no one contacted to me after XX/XX/year>. I simply need a fair and proper review so I can avoid foreclosure and keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-12-03 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: WI

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have never heard of or done business with this company. Some is using my identity to get loans and credit cards. This debt isn ' y mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Issue Type : Problems with a debit card / problems with a refund not being processed correctly Company : Coinbase ( Coinbase, Inc. ) What happened : I made a purchase using my Coinbase-issued debit card. After the transaction, Coinbase had to replace my debit card due to fraud. The card was replaced, but the underlying account is the same. 

The merchant ( XXXX ) issued a refund to the original card number used for the purchasewhich is standard industry practice and required by XXXX rules XXXX They can not refund to a different card, and they correctly sent the refund to the original card account. 

Coinbase is refusing to process or apply this valid refund. They keep telling me to contact the merchant and ask them to update the card number, which is not possible and not how card network rules work. When a card is replaced, the issuing bank ( Coinbase ) is required to route refunds from the old card number to the new one via account updater/token forwarding. This is Coinbases job, not the merchants. 

At this point, Coinbase is improperly denying a valid refund that belongs to me and is refusing to follow standard refund routing procedures. I am simply asking Coinbase to locate and apply the refund to my active account, as they are required to do. 

Furthermore, Coinbase Debit Card Terms states in Section 1.12 Refunds : If you are entitled to a refund for any reason for goods or services obtained with your Card, the refund shall be processed once a refund has been posted by the merchant. 
( Source : Coinbase Debit Card Terms ) Additionally, Coinbases Own Support Page Confirms Refund Routing From a Coinbases official help article on card troubleshooting : If the card was replaced, refunds to the old card typically route to the new card automatically. 

This contradicts Coinbase 's claim of lacking the authority to process the refund. Their own policies, as well as XXXX policies, grant them the authority and obligate them to route the refund to the updated card/account. 

Changing a debit card number doesn't invalidate prior transactions or the validity of a refund to the account. 

Coinbase 's disregard for federal laws, XXXX policies , and its own policies is deeply concerning, especially given its size and resources. 

Harm caused : I am being denied access to funds that are rightfully mine.

Coinbases refusal to process the refund is causing financial inconvenience and unnecessary time spent dealing with support.

The company is not following required network rules for refunds to replaced cards.

Supporting details : Merchant refunded the exact original transaction. 

Coinbase replaced my card due to fraud but the account is the same. 

Coinbase is refusing to accept or forward the refund. 

Merchant can not refund to a different card number. 

Referral to contact the merchant again is not compliant with XXXX refund procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting an urgent complaint due to the continued reporting of fraudulent and inaccurate information on my credit reports and the failure of the credit bureaus and the furnisher ( XXXX ) to comply with the Fair Credit Reporting Act ( FCRA ). This situation involves identity theft, ongoing harm, and a refusal by the companies to take the legally required corrective actions. 

A XXXX credit card account that does NOT belong to me was added to my credit file as a result of identity theft. I never opened, used, or authorized this account. The fraudulent account is reporting negative information, including derogatory marks, which is causing immediate and ongoing damage to my credit profile and financial wellbeing. 

I submitted formal disputes to the credit bureaus and XXXX, citing my rights under the FCRAincluding 15 U.S.C. 1681g, 15 U.S.C. 1681 ( a ) ( 4 ), 1681i, and 1681c-2which require consumer reporting agencies and furnishers to fully investigate, block, and delete all identity-theft-related information once properly notified. I provided supporting documentation, including identity theft reports and proof of valid personal identifying information. Despite this, the fraudulent XXXX account has NOT been removed. 

In addition to refusing to delete the fraudulent account, the credit bureaus are still reporting : Outdated and inaccurate personal information ( old addresses, old phone numbers, former employers ) Unauthorized credit inquiries directly connected to the identity theft Negative reporting triggered by fraudulent activity These errors violate federal law, and the companies have failed to meet their obligations under the FCRA, including the duty to : Conduct a reasonable investigation Block identity-theft-related information within XXXX business days of receiving proper documentation Remove inaccurate, incomplete, or unverified information Provide a full and accurate disclosure of my file Their lack of action is causing immediate and substantial harm, including credit score damage, credit denials, and emotional and financial distress. 

I am requesting immediate CFPB intervention to ensure : XXXX. The fraudulent XXXX account is permanently deleted. 
XXXX. All negative reporting tied to identity theft is removed. 
XXXX. All unauthorized inquiries are removed. 
XXXX. All outdated or inaccurate personal information is corrected. 
XXXX. The companies comply with all applicable FCRA requirements without further delay. 

This matter is urgent, and I am requesting expedited review Please refer to the attachments below

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 2025-12-03 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: VA

Complaint narrative:
I am submitting an urgent complaint due to the continued reporting of fraudulent and inaccurate information on my credit reports and the failure of the credit bureaus and the furnisher ( XXXX ) to comply with the Fair Credit Reporting Act ( FCRA ). This situation involves identity theft, ongoing harm, and a refusal by the companies to take the legally required corrective actions. 

A XXXX credit card account that does NOT belong to me was added to my credit file as a result of identity theft. I never opened, used, or authorized this account. The fraudulent account is reporting negative information, including derogatory marks, which is causing immediate and ongoing damage to my credit profile and financial wellbeing. 

I submitted formal disputes to the credit bureaus and XXXX, citing my rights under the FCRAincluding 15 U.S.C. 1681g, 15 U.S.C. 1681 ( a ) ( 4 ), 1681i, and 1681c-2which require consumer reporting agencies and furnishers to fully investigate, block, and delete all identity-theft-related information once properly notified. I provided supporting documentation, including identity theft reports and proof of valid personal identifying information. Despite this, the fraudulent XXXX account has NOT been removed. 

In addition to refusing to delete the fraudulent account, the credit bureaus are still reporting : Outdated and inaccurate personal information ( old addresses, old phone numbers, former employers ) Unauthorized credit inquiries directly connected to the identity theft Negative reporting triggered by fraudulent activity These errors violate federal law, and the companies have failed to meet their obligations under the FCRA, including the duty to : Conduct a reasonable investigation Block identity-theft-related information within XXXX business days of receiving proper documentation Remove inaccurate, incomplete, or unverified information Provide a full and accurate disclosure of my file Their lack of action is causing immediate and substantial harm, including credit score damage, credit denials, and emotional and financial distress. 

I am requesting immediate CFPB intervention to ensure : XXXX. The fraudulent XXXX account is permanently deleted. 
XXXX. All negative reporting tied to identity theft is removed. 
XXXX. All unauthorized inquiries are removed. 
XXXX. All outdated or inaccurate personal information is corrected. 
XXXX. The companies comply with all applicable FCRA requirements without further delay. 

This matter is urgent, and I am requesting expedited review Please refer to the attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Summary of the Problem : Capital One refused to honor a dispute for merchandise that was never delivered, despite the merchant repeatedly confirming ongoing logistics delays for over XXXX  months and never providing a shipment date, tracking updates, or proof of shipment. Capital One denied my dispute solely because more than XXXX  days had passed, even though the merchants repeated assurances made it impossible to know the transaction was invalid within their timeframe. 


-- - Detailed Explanation ( Full Complaint ) : I am filing this complaint because Capital One has refused to assist me in a case where a merchant failed to deliver merchandise that I paid for, totaling {$130.00}, on XX/XX/year>. 

The merchant ( XXXX XXXX ) did not ship the item, did not provide a delivery estimate, and provided a non-functional tracking link that never showed any movement or confirmation of shipment. For XXXX months, I contacted the merchant multiple times, and they repeatedly told me they were experiencing logistics delays and that updates would be sent soon. They represented the order as still being processed as late as XX/XX/year>, meaning I had no reasonable way of knowing the item would never ship. 

Because the merchant continued to assure me the item would be delivered, and because they never once provided evidence of shipment or a delivery timeframe, I was prevented from filing a dispute within the XXXX window. I acted promptly once it became clear the item was never going to arrive. 

Despite this, Capital One denied my dispute solely based on the XXXX technical cutoff, without considering the merchants repeated misrepresentations, the lack of delivery, or the fact that the merchant never fulfilled the transaction. 

This places the burden of the merchants failureand deceptive communicationentirely on me, the customer who received nothing. 

Key Documentation I provided to Capital One ( but they still denied ) : Email from merchant ( XX/XX/XXXX ) saying logistics were still processing. 

Email from merchant ( XX/XX/XXXX ) giving a tracking link that never activated. 

Email from me ( XX/XX/XXXX ) asking for a refund after XXXX months of no shipment. 

Merchant email ( XX/XX/XXXX ) again claiming logistics delays and no delivery date. 

Screenshots showing tracking link never showed movement or shipment info. 


XXXX XXXX  response ignored all documented facts and stated only that the timeframe to dispute has expired, despite Regulation Z XXXX, which requires reasonable investigation of claims that goods were never delivered. 

I am requesting CFPB assistance in having Capital One properly review the dispute and refund the {$130.00} for merchandise never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
My wages have been getting XXXX for almost a year for a XXXX $ credit card debt that was closed by the courts in 2017 and the company has continued to file every year for 8 years and my original garnishment judgement was for {$2500.00} I have already paid over XXXX $ and I still owe XXXX $ because of the extremely high interest they continue to keep adding and refiling fees and attorney fees they keep charging me every XXXX months. I do not make very much money and have XXXX kids I support and I can not pay my bills or feed my family because of this garnishment that will not end. I called the company and they said the only way to settle is to pay the remaining balance in full. this seems extremely unfair and can not be legal and I just need help to resolve this

Company response to consumer: Closed with explanation