vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am in the process of refinancing a property i own. In order to close on said property my bank requires a valid payoff letter with a valid date.American Express refuses to email me the document and instead will only use regular mail which has a seven to ten day window. The payoff letter ( s ) have been invalid when I receive them because the date on the letter is already expired when i receive them because letter. I have repeatedly asked for a valid letter to be sent which they either refuse to do, i have asked repeatedly to email which they refuse, i have offered to pay for expedited mail which they also refuse and i have offered to pick up the letter in person which they refuse as well. I have had to change my closing date three separate times thus far and they are basically holding my closing hostage as i can not proceed without proper valid documentation which they refuse to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-11 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: WI

Complaint narrative:
I, the undersigned consumer, am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address inaccuracies and issues related to my credit report. The details below separate the accounts in dispute by bureau and provide information about the respective charged-off accounts, inquiries, positive accounts, and late payments. 

I am filing a dispute with TransUnion regarding the following account ( s ) and inquiries listed below : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-11 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: SC

Complaint narrative:
I am disputing the following accounts and inquiries with Experian that are incorrectly reported on my credit file. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON the following dates at the following locations fraudulent charges were used with my debit bank account. Some were entered manually by card number while others were used by digital wallet. I have never made purchases at any of these locations prior. I was in my hometown another completely different city/state when these charges were made. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-11-11 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: MO

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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
b'I am submitting a complaint regarding a debt that is being reported by Military Star XXXX XXXX XXXX XXXX XXXX). I do not recognize this debt and have not been provided with adequate documentation or verification to validate its legitimacy.'

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 2025-11-11 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurately reported collection account by LVNVFUNDG ( Account ending in XXXXXX/XX/XXXX), reflecting a high balance of {$910.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice, statement, or validation from LVNVFUNDG regarding such a debt. The reporting of this alleged collection is false, unverifiable, and damaging to my consumer credit file. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and furnishers are required to report only accurate and verifiable information and to provide full validation upon request. LVNVFUNDG has failed to provide any documentation or verification linking me to this alleged debt. 

Despite prior disputes submitted to the credit bureaus, this account remains inaccurately reported. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement action to ensure compliance with federal consumer protection laws. 

Requested Action : I respectfully request that LVNVFUNDG provide full and verifiable documentation of this alleged debt, including the name of the original creditor, all account statements, and a signed agreement. If no such proof exists, I request immediate and permanent deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Lvnv funding llc for account im very unaware of and never seen on my credit and I have never had account with this original company of comenity bank for {$390.00} I try to contact company and they have No idea or know anything about this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a complete first XXXX loan modification application to Shellpoint Mortgage Servicing. They acknowledged receipt. On XX/XX/XXXX, I submitted a timely appeal of their denial via email. 
Despite the pending complete application and appeal, Shellpoint accelerated the loan on XX/XX/XXXX and scheduled a trustee 's sale for XX/XX/XXXX. This is a direct violation of California Homeowner Bill of Rights ( HBOR ) Civil Code section XXXX ( c ), which states that if a borrower submits a complete application more than XXXX business days before a foreclosure sale, the servicer shall not record a notice of default, notice of sale, or conduct a trustee 's sale while the complete application or appeal is pending. 
Shellpoint 's own XX/XX/XXXX mortgage statement ( attached ) includes this disclaimer : " This is NOT an attempt to collect a debt against you. '' This confirms my XXXX bankruptcy discharge extinguished personal liability. Yet they continue to demand payment of post-discharge amounts including {$31000.00} in escrow deficit and {$5600.00} in legal fees, which are uncollectible and must be waived. Any modification must be structured as non-recourse. 
I have made XXXX documented phone calls requesting a Single Point of Contact ( SPOC ) under RESPA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No SPOC was ever provided and no callback was received. This violates RESPA section XXXX. 
The current statement shows : Outstanding Principal : {>= $1,000,000} Interest to XX/XX/XXXX : {$71000.00} Escrow Balance ( deficit ) : - {$31000.00} Legal Fee Balance : {$5600.00} Other Fee Balance : {$1100.00} Unapplied Amount : - {$3700.00} Shellpoint has refused to apply {$3700.00} in unapplied funds and continues foreclosure while my modification appeal is pending.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX weeks ago i tried to take the freeze off my credit but couldn't because i had changed my phone number due to the countless spam calls i was gettIng daily so i called experian and XXXX hours later and not sure how many representatives not one could help me. I asked for the money account to be closed multiple times and it was not. I need to get into that account because of student loans and the lady that called me is calling back tomorrow and its still not changed. My number was XXXX now its XXXX and not XXXX person at experian can help and it's impossible to get ahold of a person there. If they are dealing with peoples credit we need to be able to reach someone and someone that can update a phone number. Its ridiculous i been at this a month.

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 2025-11-11 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting inaccurate, inconsistent, and impossible information regarding a XXXX XXXX account that was closed and charged off in XXXX. 

I have disputed this account multiple times, yet the bureaus continue to verify information that is demonstrably false. 

The account was closed/charged off in XX/XX/XXXX, but the bureaus are reporting : New late payments in XXXX, XXXX, XXXX, XXXX, and XXXX New past-due amounts in XXXX Multiple charge-off statuses for multiple years Conflicting payment histories across all three bureaus Balance changes on a closed, charged-off account Re-aging of debt beyond legally allowed timeframes These actions violate : FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( B ) FCRA 623 ( a ) ( 1 ) ( A ) A charged-off account can not continue updating late payments, past-due balances, or monthly CO statuses after closure.

It also can not legally show different histories with each bureau. 

I am demanding : 1. A full reinvestigation 2. Written verification from XXXX showing how each bureau verified the reported data 3. Immediate deletion of this account from all bureaus if they can not produce legally valid documentation The information being reported is inaccurate, inconsistent across bureaus, and damaging to my credit. I am requesting your assistance to correct this serious violation 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 non-monetary relief
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
Upon reviewing my credit report from TransUnion, I have found discrepancies with the reporting of the following accounts. I request that you review and investigate these entries to ensure they are accurate. 

XXXX. CHARGED OFF Accounts : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$9400.00} XXXX. LATE PAYMENT Accounts : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI bank closed my account with funds of my girls. We were saving to buy a new car she deposited her pay into my account they closed my account and held the funds

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 monetary relief
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am writing to dispute certain accounts on my credit report that contain inaccurate information. I request that these items be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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