vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint disbursed {$1300.00} from my Escrow account to the XXXX XXXX XXXX XXXX on or around XXXX XXXX XXXX. 

The application of my Escrow Surplus of {$1300.00} towards a Sewer Bill was not requested by me nor contractually allowed the mortgage. 

This Escrow is for taxes and insurance. A sewer bill is not taxes. A sewer bill is not insurance. This was a misuse of Escrow funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX. XXXX Account This account was paid in full as of XX/XX/year>. I have proof from XXXX statements showing a {$0.00} balance and the account closed. Despite this, Jefferson Capital continues to report it as a collection, which is inaccurate and misleading. 
XXXX. XXXX XXXX Account I do not recognize this account and have no knowledge of owing XXXX. I requested validation from Jefferson Capital, including proof of ownership, the original contract, and account history. They have not provided any of this information, yet they continue reporting the account as a collection. 

These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because Jefferson Capital is reporting inaccurate and unverified information. This is negatively impacting my credit profile. 

I XXXX. XXXX Account This account was paid in full as of XX/XX/year>. I have proof from XXXX statements showing a {$0.00} balance and the account closed. Despite this, Jefferson Capital continues to report it as a collection, which is inaccurate and misleading. 
XXXX. XXXX XXXX Account I do not recognize this account and have no knowledge of owing XXXX. I requested validation from Jefferson Capital, including proof of ownership, the original contract, and account history. They have not provided any of this information, yet they continue reporting the account as a collection. 

These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because Jefferson Capital is reporting inaccurate and unverified information. This is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-09-23 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: PA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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: PA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-23 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: GA

Complaint narrative:
This is a formal dispute of fraudulent accounts appearing on my credit report. I have no connection to these accounts, and I did not grant any authorization for them. Their inclusion represents an error that negatively impacts my financial 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 non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am raising this dispute regarding fraudulent accounts listed in my credit report. These accounts were not created, authorized, or managed by me in any way. Their reporting is false and must not remain as part of my financial record.

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 2025-09-23 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: NY

Complaint narrative:
Subject : Formal Credit Reporting Complaint XXXX XXXX Account ( XXXX ) Dear Experian / Equifax / TransUnion, I am submitting this complaint regarding XXXX XXXX and its ongoing reporting of derogatory late payments on my credit file. 

Background : In XX/XX/year>, I filed a complaint with the XXXX XXXX  Attorney General ( XXXX ) regarding XXXX XXXX improper handling of my billing dispute. 

That complaint is still pending and open as of today. 

Despite the fact that my account is under active regulatory investigation, XXXX XXXX has continued to report me as : XXXX days late as of XX/XX/year>, and XXXX days late as of XX/XX/year>. 

Why This Reporting Is Improper : Regulatory Review Pending ... While a regulator has confirmed my complaint is still open and under review, XXXX XXXX has chosen to pile on negative reporting. This creates an appearance of retaliatory action instead of waiting for proper resolution. 

Multiple Complaints Open ... XXXX XXXX also acknowledged and responded to a XXXX XXXX XXXXXXXX complaint around the same time ( XXXX to XXXX ), meaning they were fully aware multiple regulators were reviewing their conduct. Yet, they continued to worsen my credit standing during XXXX and XX/XX/year>. 

Bad Faith & Inconsistency ... If XXXX XXXX truly believed its position was final and correct regarding my chargeback request, it should have reported delinquencies consistently much earlier. Instead, they withheld reporting until the moment regulators became involved, which strongly suggests retaliation and leverage rather than legitimate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am formally disputing fraudulent accounts that are currently listed in my credit report. I had no involvement with these accounts, and I did not authorize their creation or use. Their reporting is inaccurate, misleading, and harmful to both my financial reputation and my ability to maintain creditworthiness.

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 2025-09-23 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: IN

Complaint narrative:
Date : XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Dispute of Unverified Information XXXX XXXX XXXX XXXX Credit Card Dear Credit Reporting Agency, I am formally disputing the following account currently listed on my credit report : Account Type : Credit Card Creditor Name : XXXX XXXX XXXX XXXX Balance Reported : {$1400.00} Basis for Dispute I dispute the accuracy and validity of this account because I have not received any debt validation notice from XXXX XXXX XXXX XXXX or any collection agency responsible for this account. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 12 CFR 1006.34 ( b ) ( 5 ) requires a debt collector to provide written validation of the debt within five days of a consumers request. Since I have not received such validation, I can not confirm the legitimacy of this debt.

Request for Verification and Deletion Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you conduct a complete and thorough investigation into this account and obtain verification directly from the creditor or collection agency. 

The verification must include : 1. The name of the original creditor.

2. The exact amount of the debt, with a full itemization.

3. The date the debt was incurred and/or charged off.

4. Documentation proving I am legally obligated to repay this debt.

If the creditor or collection agency can not provide proper debt validation within 30 days of this dispute, you are required to delete this account in full from my credit report as unverifiable information. 

Credit Reporting Obligations The FCRA, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to maintain maximum possible accuracy of consumer credit information. Reporting unverifiable debt violates this requirement. 

Required Response from the CRA Upon completion of your investigation, you must provide me with : A written summary of the details of your investigation, including the steps you took to verify this account with the creditor or collection agency. 
A revised copy of my credit report reflecting any deletions or corrections resulting from this dispute. 

Notice of Legal Rights If this account is not properly validated or removed within the 30-day period, I reserve the right to exercise my remedies under the FCRA ( 15 U.S.C. 1681n, 1681o ) and the FDCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing civil action for damages, attorneys fees, and costs. 

Thank you for your prompt attention to this matter. 

Respectfully, 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 2025-09-23 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: FL

Complaint narrative:
I am submitting this letter as a formal written dispute regarding several accounts being reported on my Equifax, TransUnion and Experian credit report. These entries contain inaccuracies, inconsistencies across credit bureaus, unverifiable balances, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts reflect charge offs without proper IRS reporting, others show conflicting balances across bureaus, and at least XXXX repossession account lists inaccurate delinquency history. This type of reporting is misleading and damaging to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently attached to my credit file. These accounts were not opened, authorized, or used by me in any capacity. Their inclusion is entirely inaccurate and damaging to the integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-23 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The XXXX XXXX account on my credit report is being reported incorrectly. It shows as charged-off in XX/XX/year>, but the payment history still adds new late/CO marks in XXXX, XXXX, and even XX/XX/year>. 

Thats not possibleonce an account is charged-off and closed, no new late payments should be reported. This error makes it look like Ive been delinquent longer than I actually was. 

Because the reporting is inaccurate and misleading, Im asking that this account be deleted completely 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
They counterdict their self on the credit report they have payments at XXXX XXXX The interest at XXXX XXXX  But yet they charged off XXXX XXXX and some change and the reason for charge off and not coming and getting the truck is because they sold me a lemon from day XXXX drove it off lot sevral days later oil light comes on no oil in motor the after sevral months of driving it all the seats in the valves went bad truck won't even move now runs roughly till u put in gear then it dies will not roll or move at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Im unsure about the accuracy of this late entrycould you check 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 non-monetary relief
Consumer complaint received 2025-09-23 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: KS

Complaint narrative:
What happened : On XX/XX/year>, I was charged {$1100.00} by XXXX XXXX XXXX XXXX on my Capital One XXXX card. Out of this order, {$1000.00} worth of goods were never delivered. The package was tampered with and arrived empty. 

I disputed the charge with Capital One ( XXXXXXXX XXXX XXXXXXXX ). During a phone call with Capital Ones dispute team, I was instructed to dispute only the undelivered portion ( {$1000.00} ), not the full {$1100.00}. I followed this guidance. 

I submitted all evidence requested, including : Photos of the tampered/empty package XXXX XXXX records confirming the order was lost/stolen An XXXX email confirming the order was never delivered The order confirmation showing the purchase and amounts I also informed Capital One that XXXX deleted this order from my purchase history, making it impossible to access receipts or tracking information again. Even XXXX customer support confirmed the order no longer existed in their system. I reported this to Capital Ones dispute team, but they dismissed this information and closed my case. 

On XX/XX/year>, Capital One sent me a letter stating my case was closed because my response lacks all of the previously requested information. That is inaccurate I submitted everything requested. The letter also listed the full amount ( {$1100.00} ) rather than the disputed portion ( {$1000.00} ) that Capital One themselves told me to pursue. 

Capital One failed to identify what information was allegedly missing, ignored the evidence I provided, disregarded the fact that XXXX deleted the order history, and did not conduct a reasonable investigation as required under the Fair Credit Billing Act. 

Why I believe the company is wrong : I followed Capital Ones instructions to dispute only the undelivered portion ( {$1000.00} ). 
I provided all necessary documentation, including confirmation from XXXX that the order was lost/stolen. 
XXXX deleted the order history, making it impossible to re-obtain the receipts a fact I reported to Capital One, which they ignored. 
Capital One closed my case without identifying what was allegedly missing and misstated the nature of the dispute.

Company response to consumer: Closed with monetary relief