vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act, I am asking the credit bureau to block and delete the unauthorized items. Supporting documents, including a list of disputed items and an FTC Identity Theft Report, are enclosed. I requests prompt investigation and written confirmation of the corrections.

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 2025-05-22 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: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This is a follow-up to my original complaint ( CFPB Complaint ID : XXXX ). Since that filing, the situation has escalated. I submitted a complete loan modification application in XX/XX/XXXX and worked with XXXX XXXX XXXX as referred by the servicer. Despite submitting all requested documentation multiple times, I never received a written decision or denial. In XX/XX/XXXX, the servicer stated they could not proceed unless I provided a release of lien, which had never been previously requested. After I questioned this unusual request and submitted further documentation, they ceased all communication. 

I have also submitted XXXX Qualified Written Requests ( QWRs ) under RESPA, which the servicer failed to acknowledge or respond to within the required timeframe. Now, the servicer has sent me a pre-foreclosure letter and claims they may initiate foreclosure proceedings. This appears to be dual tracking, which is a violation of 12 C.F.R. 1024.41 ( f ), since they never evaluated or responded to my complete loss mitigation application. 

I have prepared a formal demand letter and am requesting CFPB assistance to prevent wrongful foreclosure and to hold the servicer accountable for their RESPA violations.

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 2025-05-22 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus.The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX {$1300.00},,, XXXX XXXX {$1200.00},,, XXXX XXXX {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
An account from Shellpoint Mortgage has been reported to my credit report showing a charged-off balance of {$3300.00}. According to the report, the account was opened on XX/XX/year>, and it is currently closed and listed as charged off. I have never opened an account with Shellpoint Mortgage, and I do not recognize this debt. 

I have never applied for credit, taken out a loan, or authorized any transaction with this company. No original creditor is listed in the account information. I have no knowledge of this account and did not provide consent for any such transaction.

On [ insert date you mailed the letters ], I mailed a formal request to all three credit bureaus under FCRA Section 609, asking for verification of the account. I specifically requested original documentation, including a signed agreement, full payment history, and proof of permissible purpose for the account to be reported on my credit file.

I also sent a Debt Validation Letter directly to Shellpoint Mortgage under the Fair Debt Collection Practices Act ( FDCPA 809 ), requesting that they validate the debt and provide documentation proving their legal authority to collect or report this account.

As of today, I have not received any proof or validation, and the account remains on my credit report in violation of my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
There are serious discrepancies on my credit report that I need help resolving. These include incorrect account listings, unrecognized credit inquiries, and inconsistent personal information. Some accounts dont even belong to me. These problems are jeopardizing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting an account on my credit file as both charged off and past due, which is misleading and damaging. The account also reflects a balance greater than the original credit limit, with no itemized breakdown of the debt or charges included. Additionally, they failed to report monthly terms and payment details, which makes the account incomplete under FCRA and XXXX XXXX standards. 

I requested full validation of this debt and documentation proving its accuracy, and have not received it. I am requesting immediate correction or deletion of this tradeline under the Fair Credit Reporting Act 607 ( b ), 609 ( a ), and FDCPA. 

Company XXXX XXXX XXXX XXXX XXXX 
Issue : Incorrect information on your report Requested Action : I am requesting that the CFPB hold the company accountable for correcting or removing this inaccurate account from my credit report and provide full documentation to verify it.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX 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
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I am filing a complaint regarding a Target/TD Bank credit card account that was fraudulently used without my knowledge or consent. I had no idea this account had been used until it was too late. Upon discovering the unauthorized activity, I immediately contacted the creditor to close the account, which occurred on XX/XX/2023. 

At the time, I was unaware of the charges being made in my name and did not receive timely communication alerting me to the usage or missed payments. The account was later reported as charged off and placed in collections, with my credit report now reflecting multiple missed payments and a derogatory status, including a XXXX day late mark. 

The credit report also inaccurately states that I made these charges and agreed to the terms of the account, which is not true. I did not authorize any of the transactions that led to the delinquency and charge-off status. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681s-2, which protect consumers from fraudulent reporting, misattribution of debt, and inaccurate information on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: VA

Complaint narrative:
I submitted a Dispute with a payroll app service for XXXX regarding an Unauthorized transaction. I get my earnings from the XXXX XXXX app in my business checking account on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is managed by Branch Messenger , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Branch is retained by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to manage its bankings services for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was charged by XXXX in the amount of {$55.00} on XX/XX/XXXX, this service was not provided as no food was delivered to me, I filed a dispute through the XXXX XXXX XXXX XXXX with a Dispute claim ID ( XXXX ) on XX/XX/XXXX and was received by them with a confirmation email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states our accounts are FDIC Insured ) The last communication by Branch Messenger, INC was given to me via email on XX/XX/XXXX XXXX XXXX. stating that they are investigating the disputed transaction and no further information is needed, and that they anticipate my claim will be resolved within 90 days. In XXXX, XXXX I called to get an update and the rep stated it has not been 90 days, none was ready. I then again reached XXXX XXXX XXXX times through upload option on app in the open dispute and received no communication either time, I then did this again in XXXX after the 90 day mark and got no response from the company. Here is the dispute details on the app Dispute Claim ID - 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-22 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: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Consumer has an unverified collection account on their consumer credit profile reporting from this debt collection agency. Please delete this account from reporting to any third party credit reporting agencies per 15 U.S. Code 1692j of the Fair Debt Collection Practices Act and 15 U.S. Code 1691 the Fair Credit Reporting Act.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
My account was charged for a purchase that I never made, nor gave anyone else access or consent to make any purchases on my account. The last purchase that I made ( authorized ) was a gas purchase. Someone has made a purchase on my account and I was notified. The only thing that chime would let me do was lock my card and request a new number because the charge was still pending. The charge has now posted and my money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 
If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2025 I deposited XXXXXXXX XXXX from XXXXXXXX XXXX to my navy federal credit union checking account then I deposited XXXXXXXX XXXX from XXXX XXXX to my navy federal credit union checking account after I had deposited my money I checked my account and it said I had XXXX XXXX so I closed the app and checked again but still it was XXXX XXXX i can see the transaction of me depositing it into my account but the money was not there this has nerve happened to me before usually when deposit money from XXXX XXXX or my XXXX XXXX it goes in directly like if I were to use a atm so I called support and a nice women told me that she doesnt know why it was doing that but to I also stated to her that this nerve usually happens and she agreed with me and told me she need to get a second opinion then came back and said to wait for my pending transaction so post so I did and still didnt receive the in total XXXXXXXX XXXX in my checking account so I called support back and they a guy told me that because everything posted a purchase I made on the XXXX took it and I cant get my money we go back and forth for a lil bit I asked for his supervisor and she tells me the same thing we go back and forth and this point im heated I asked if I didnt deposit the money today would I have gotten a returners fee and she said probably and there is nothing I can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation