vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-06-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing this complaint against Equifax for its failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, which requires consumer reporting agencies to block fraudulent information resulting from identity theft within a specified timeframe.

I am a confirmed victim of identity theft, and an unauthorized credit Inquiry accounts is appearing on my Equifax credit report. I have never applied for the accounts in question, and I took immediate steps to dispute the entry and request its removal in accordance with federal law. On XX/XX/year>, I submitted all required documentation to Equifax, which included : A valid FTC Identity Theft Report A copy of my government-issued photo identification A written statement identifying the fraudulent account and affirming that it does not belong to me Despite receiving all four required elements outlined in 15 U.S.C. 1681c2, Equifax has continued to report the fraudulent account on my credit file. The law is clear that once a credit reporting agency receives this documentation, it must block the information within four business days. By continuing to report this inaccurate and damaging information, Equifax is in direct violation of federal consumer protection laws. 

This failure has caused significant and ongoing harm to me, including a reduced credit score, financial barriers, and emotional distress. I am requesting that the CFPB take immediate action to hold Equifax accountable and ensure that the fraudulent information is permanently blocked and removed from my credit report without further delay. 

Thank you for your attention to this matter and for protecting consumers from illegal credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX AND XXXX I had unauthorized transactions through cash app of close to XXXX I had put in several claims with both XXXX XXXX and my bank and provided all documents that were requested to both. Bank claims my IP address is the same from the one that was use but when requested that information it was never received. Still to this day I have people Logging into my XXXX XXXX account but they can not take anything out due to my card being off of the app. Previous to these transfers I had stop using XXXX XXXX and it has been since XXXX of 2024 was my last date using XXXX XXXX. Several claims are continued to be in progress but keep getting denied even after all documents that were requested were sent in to both parties. These unauthorized transactions are affecting my daily living and bills and being able to provide for my family. I should be able to get my hard earned money back from the fraudulent transactions that was not made many me or was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> RE : Request for Debt Validation Pursuant to 15 U.S. Code 1692g ( FDCPA ) Account Number : ________________________________________ Dear Collection Agency, This letter is being sent in response to your [ letter/phone call ] dated [ insert date ], regarding the collection of an alleged debt. This is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g Sec. 809. I request that you provide complete and verifiable documentation of the alleged debt so that I may make an informed decision.

Under the FDCPA, I have the right to request and receive full validation of any debt you allege I owe. Until you provide such documentation, you must cease all collection efforts, including reporting this account to any credit reporting agencies, as doing so without validation may be a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please provide the following : 1. A copy of the original contract or agreement with my signature showing that I agreed to the debt and the terms.

2. The name and address of the original creditor, and documentation showing how the amount was calculated.

3. A full itemization of the debt, including principal, interest, fees, and any other charges.

4. Proof of your legal right to collect this debt, including a copy of any assignment, transfer, or sale agreement that grants you the authority to collect.

5. Any judgment information, if applicable.

6. A copy of your license to collect debts in Alabama, or documentation showing that you are exempt.

7. The statute of limitations on this debt in my state, and evidence that this debt is within that timeframe. 
Until the above items are furnished, please treat this account as disputed. If you are unable to provide this information, or if you continue collection efforts without complying with this request, I will report your conduct to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and the Federal Trade Commission ( FTC ). 
Please respond to this request in writing. No phone contact is authorized. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My home was foreclosed on without a notice! Shellpoint gave me no option for defense. Shellpoint knew that I was living in the home and I did not want to sell! I sent in XXXX payment and they returned it. Sending the money was an attempt to show Shellpoint that I was will to take care of the debt. I spoke with other banks and they were reluctant to help with the home being in pre-foreclosure. My credit was ran a few times to no avail! 
The home was inherited. My Grandparents built the home. My parents took out the mortgage and passed away. The mortgage was delinquent when I found out about it. I tried to get it current, but without being able to use the house as collateral. I wasn't able to get any money. The title wasn't in my name. I am on title now and Shellpoint did not notify me or have me notified of the foreclosure! I would have done anything to save my home. The home has over 55 years of equity and it seems shellpoint is trying to steal my property!

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 2025-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I dont know. 3rd part wont give me who there suppot to be for. XXXX is XXXX XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 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 received a call from a collection agency and upon inquiry they couldn't tell me which school or which year they were calling about. I was told multiple collection agencies could be contacting me about the same loan from Department of Education. I contacted all 3 credit bureaus ( Experian, Equifax, Transunion ) by certified mail on XX/XX/year> about the student loan information on my accounts. Since I went to several schools at different years for different military programs I requested specific information on the amounts, which schools, and semesters. I didn't receive any replies within the 30 days. In the letter I explained I went to school for National Guard purposes which were paid by them. And I wanted to make sure there were no multiple accounts for the same loan. I requested the name of the school, the year and semester the loans were accumulated with my signature. I received nothing in response although some loans were closed and after a few months added back. Since the collection agency couldn't give me any details on my loan I believe multiple agencies are reporting on the same loans. The only way for me to know for sure is getting the original paperwork with my signature for each loan I acquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Purchased SecureSpend card on XX/XX/year> at XXXX store located at XXXX Main XXXX XXXX XXXX XXXX NJ XXXX. Loaded {$500.00} onto card at XXXX store with {$4.00} fee. 

On XX/XX/year> I called XXXX customer service to report that the card was not working. XXXX opened up a case # XXXX and suggested that I email : - copy of purchase receipt - copy of front and back of prepaid card - my state Drivers license After emailing these above listed items to XXXX on XX/XX/year>, I have not received a refund for the unusable prepaid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Avant credit card on my credit report and is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at The XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by Equifax which shows the aforementioned fraudulent items because TransUnion is blocking access to my credit report unlawfully. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-09 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 2025-06-09 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$550.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$280.00} Open Date XX/XX/XXXX XXXX Balance : {$120.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX 2023

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I had my taxes done. We discovered in the process that I had a CD " early closed ''. Something I WOULD NEVER DO. I approached the banker that has been transferring my CDs. She made a call and apologized for a possible error. I have called, shown up and shown proof of the " happening ''. I even requested a picture of my accounts at the time to PROVE I had XXXX need for immediate money. I've spoken to everyone that is a decision maker in the branch. The last call was with the assistant XXXX. She KNOWS I DIDN'T KNOWINGLY DO THIS. It's the banker or the teller. I'd like my money back. They will not concede THEY DID IT. mistake or not, I should not pay. TD BANK NH

Company response to consumer: Closed with explanation