vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
b'Potential re-aging (illegal per FCRA)\n Incorrect balance reporting post-charge-off  Conflicting comments across bureaus\n Overextended CO payment history\n Inconsistent last payment dates'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-19 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: MS

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
All three credit reporting agencies XXXX, XXXX, and TransUnion continue to report an inaccurate and damaging charge-off account for XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/year> in the amount of {$6200.00}. I have disputed this account multiple times and have demanded that it be properly investigated and corrected, yet all three agencies have failed to comply with their obligations under the Fair Credit Reporting Act. 

This reporting is a direct violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation whenever a consumer disputes the completeness or accuracy of information. Instead of performing a lawful investigation, the bureaus simply allowed XXXX XXXX  data to remain without verifying it with actual evidence or documentation. I have never been provided with proof establishing the accuracy of this alleged charge-off, nor any original records that justify its continued reporting. Repeatedly marking a consumers disputes as verified without meaningful investigation is the exact type of negligence and willful noncompliance that the FCRA prohibits. 

Additionally, 15 U.S.C. 1681b makes it unlawful for a credit reporting agency to furnish a consumer report to third parties when the information inside that report is inaccurate or outdated. By continuing to report this false charge-off, all three agencies are furnishing misleading consumer reports to creditors, employers, and financial institutions, which has caused me very real harm. 

Because of this inaccurate entry, I have been denied access to fair credit opportunities. I was recently declined for a personal loan with competitive terms that I urgently needed, forcing me to turn to less favorable options with higher interest rates. I have been turned away from credit cards and even faced higher insurance premiums because lenders and insurers perceive me as a greater financial risk due to this fabricated charge-off. Beyond the financial harm, this experience has also taken an emotional toll on me. It is degrading and exhausting to constantly be judged by an error that the credit bureaus refuse to fix, even after I have exercised my rights under federal law. Every application process becomes a source of anxiety, knowing I will be judged based on an inaccurate and unlawful record. 

The law is clear : credit reporting agencies must report information with maximum possible accuracy, they must delete or correct inaccuracies after a proper reinvestigation, and they may not furnish false reports to third parties. XXXX, XXXX, and TransUnion have each failed on all fronts with this account.

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 2025-08-19 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I entered into a XXXX XXXX and mortgage for the build of a new home in Minnesota. The Construction Loan Agreement, Note, Construction Note Addendum and First Payment Letter provide that the construction must be completed on or before the Completion Date. The documents provide the Completion Date is XX/XX/XXXX. During the period before the construction date I am to make monthly interest only payments. The full payments of the principal and interest will start the second month following the Completion Date. This is referenced in the Note and First Payment Letter to reflect the first payment of principal and interest is XX/XX/XXXX. Earlier this month, the bank indicated that they are ignoring the provisions of the agreement and will start collecting principal payments on XX/XX/XXXX. I have asked for reference on why they are changing the terms and ignoring the terms of their agreements but all they have indicted is that this is the way they always do it despite the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
To whom it may concern, My brother passed on XX/XX/2023. His home was in foreclosure. This was our family home so I paid for it to get out of foreclosure but while in the process of proving successor in interest to XXXX XXXX, shell point mortgage obtained the loan, I have provided the affidavit of heirship, the administration of estate that was filed in the courts, the forms that were executed in the courts showing my parents signed over their interest, the death certificate for my brother, my brother did not have a will, his only asset was the house. Shellpoint keeps telling me I need a will. The loan number is XXXX, I have been paying the mortgage and have my name on deed which was done through the court also which I provided to them also. I paid {$230000.00} to the previous lender to get the property out of foreclosure, I deserve credit financially. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX telephone number XXXX. I have XXXX complaint XXXX and XXXX. I just want the loan not to say the XXXX of XXXX XXXX XXXX XXXX and say my name and be transferred to me. I live in the home, its been a very stressful time. The insurance is in my name but the insurance has an issue that it is in my name w/o the loan being in my name. I should be able to have taxable credit and ownership of the property. This is ludicrous. I would appreciate any help you can provide. I feel like I am being treated poorly and unfairly. My number is ( XXXX ) XXXX. Thank you 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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Activehours
State: GA

Complaint narrative:
I am an Earnin customer ( my name in their platform is XXXX XXXX which is my maiden name. The app does not allow me to update my last name ) and on XX/XX/XXXX I repaid my Earnin advance in full from my bank account ending in XXXX. The amount was paid and has posted through my banks overdraft protection feature so even though the debit fully posted, it left my bank account in a negative balance. I reached out to Earnin support on XX/XX/XXXX to advise of this and I explained that the reason my account is negative is because I moved my direct deposit to a new bank account with XXXX XXXX ending in XXXX ( of which I provided Earnin the updated banking information so they can see my paycheck deposited into my new bank account on XX/XX/XXXX ) but that since my repayment was complete, if they could please update my account so I could take out another advance and I provided screenshots to Earnin support through their chat feature to show the charge has fully posted. I also explained that I planned on bringing my old account back to a positive status in about a week or so when I received my child support payment but rest assured even though the account ending in XXXX shows in the negative balance, my screenshot shows the charge as fully posted. Earnin support advised per their SOP  they have to wait 1-2 business days to ensure the charge does not reverse and then they can manually update my account. I reached out to Earnin support today XX/XX/XXXX and they refuse to update my account or assist me further. My charge still shows posted, I furnished updated screenshots to show it has not been reversed, and my new bank is in a positive status and they still refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: LA

Complaint narrative:
I am an XXXX XXXX XXXX  of the United States XXXX XXXX. However, my interest rate is still above that set forth in SCRA benefits description. additionally I am currently stationed in Louisiana where there are state modifications to SCRA benefits outlined in Louisiana statute 29:312 ( see below ) : 29:312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXXXXXX XXXX XXXXXXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders XXXX XXXX XXXX XXXX XXXX XXXXXXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. XX/XX/year>.

Company response to consumer: Closed with explanation