vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Date : XX/XX/XXXX To : Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Subject : Dispute of Inaccurate/Unverifiable Reporting, Metro-2 Errors & Data-Security Concerns Dear Equifax : Under FCRA 611, I dispute the tradelines below. They contain accuracy violations ( 607 ( b ) ), reinvestigation shortcomings ( 611 ( a ) ), and furnisher issues ( 623 ( a ) ). The Metro-2 defects include : missing DOFD, mis-coded Account Status/Payment Rating, improper past-due on collections, inconsistent Compliance Condition Codes ( e.g., dispute indicator not persisting ), and contradictory Open/Closed states across bureaus. 
Disputed items ( Equifax ) : XXXX XXXX XXXX {$2800.00} ), XXXX XXXXXXXX XXXX {$320.00} ), XXXX XXXXXXXX ( {$640.00} ), XXXX  ( {$140.00} ), XXXX XXXX  ( late-history conflicts ), XXXX XXXX XXXX {$9600.00} ), XXXX ( {$830.00} CO  ), XXXX ( {$710.00} CO XXXX, XXXX ( CO then sold XXXX, XXXX ( CO then sold ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( closed/as agreed but late markers ). 
Inquiries : Please verify permissible purpose for clustered auto-loan inquiries in XXXX XXXX and delete any unauthorized pulls ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.

Complaint narrative:
We respectfully request the Consumer Financial Protection Bureaus assistance regarding Relay Financials handling of our business account closure and withheld funds. 

I, XXXX XXXX XXXX, legal representative of XXXX XXXX XXXX XXXX ( XXXX XXXX ), hereby state the following facts : Account closure without notice On XX/XX/year>, Relay Financial closed our business account without prior notice or any stated reason. 

Non-receipt of closure funds On XX/XX/year>, Relay informed us that a closure check for USD XXXX had been issued and mailed. 
However, the check was never received. Relay used an incomplete mailing address because its app did not allow inclusion of the suite number in the address field. 

Incorrect address used : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Correct address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX We subsequently provided documentation verifying the suite number, yet the check was not delivered and no alternative transfer ( ACH or wire ) was offered or completed. 

Unreturned client transfer to closed account On July 1314, 2025, one of our clients, XXXX XXXX XXXX, sent a XXXX transfer to our Relay account, which was already closed at that time. 
Relay confirmed receipt but has neither returned the funds to the sender nor credited them to us. 

Transfer details ( as provided to Relay ) : Receiving account ( GB ) : XXXX XXXX  XXXX Receiving bank ( XXXX  ) : XXXX Transfer reference : XXXX Bank-to-bank reference : XXXX Date : XXXX XX/XX/year> Amount : XXXX Sender : XXXX XXXX XXXX Repeated but unresolved communications Over several months , we have contacted Relay repeatedly via email regarding both matters ( the missing closure funds and the unreturned client transfer ). 
Despite multiple follow-ups, no resolution, refund proof, or satisfactory response has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: UT

Complaint narrative:
I want to be absolutely clear, this is not a misunderstanding. My credit report contains multiple inaccurate entries that fail to meet the accuracy standards required by law. These persistent errors are causing severe and ongoing hardship, affecting my finances and peace of mind. This situation is unacceptable and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I made XXXX international money transfers to a XXXX account in XXXX : {$140.00} sent around XXXX XXXX. and {$140.00} sent around XXXXXXXX XXXX Both amounts were deducted from my card, but the recipient has not received the funds after more than 30 hours. 

I contacted Taptap Send by email and phone. The representative said there are problems with XXXX in XXXX, that I am not the only one affected, and that they can not do anything I just have to wait. I confirmed that other transfers to XXXX through XXXX today went through without issues. 

The company did not provide any confirmation or estimated completion time. I am requesting immediate resolution, including delivery of the funds or a full refund, and financial compensation for the delay and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I closed my account over the phone on XX/XX/25. I was told it would take 7 days but probably would come in 2 days. After about a week I called and was told it would take 7-10 days for the check to come. It is now 12 working days since the request was made and the check has not been issued.

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 2025-10-21 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:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : 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 non-monetary relief
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NV

Complaint narrative:
Its basically false advertisement they are not pa rt of VA. There is no program. They just sell leads for debt relief companies. 
Then They claim they are the only ones, False group on XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XXXX I purchased a new car and part of that agreement was paying off the end of my lease with Genesis. A check was sent from XXXX to Genesis for the remainder plus some on my account. I handled returning the vehicle to Genesis and was told all was good and I was done. I called genesis to confirm my account and was told the same thing on the phone. 

On Wednesday of this week, I received notification that I had a hit on my credit for being multiple months late on a payment and now my credit and my co signers has been severely affected by this. I attempted to call genesis to find out about this issue and the person I spoke with could not even see the final check payment ( {$8500.00} ) and could not access my account or tell me where this new payment came from and why.

I have had no contact from Genesis. I received no written notice about any of this other than to confirm they received my car when it was returned back.

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 2025-10-21 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-21 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-21 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-21 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: CA

Complaint narrative:
I am writing to complaint about the mishandling of my mortgage account by Shellpoint mortgage. 
XXXX. My mortgage account was transferred to Shellpoint mortgage from XXXX XXXX  on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX, I was diagnosed with XXXX XXXX and a few complications and have been away from work. 
XXXX. I was able to pay my XX/XX/XXXX payment. 
XXXX. They refused to give me a loss mitigation plan to help me catch up with my delinquent mortgage payments caused by my prolonged illness. 
XXXX. My monthly payment was {$2100.00}. 
XXXX. The lender force placed hazard insurance and my payments went up to XXXX for XXXX months of XXXX, XXXX and XX/XX/XXXX. 
XXXX. I had been paying my home insurance every month and in a timely manner and I provided them with the proof. 
XXXX. XXXX supervisors told me that Shellpoint mortgage would carry out an escrow analysis and send me new payment information. 
XXXX. I waited and looked everywhere for the information ( email and physical mail ) but in vain. 
XXXX. I decided to log into my mortgage account and it is when I realized that the escrow analysis had been completed and a new payment of {$2100.00} established as of XX/XX/XXXX. 
XXXX. I was very happy to find this information and I quickly made the new payment to the amount of {$2100.00}. 
XXXX. I spoke to XXXX different supervisors and they promised to send me new affordable loss mitigation options after the escrow analysis was completed. The escrow analysis was completed on XX/XX/XXXX per the information I found on my loan portal.

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 2025-10-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report contains false and inaccurate information that does not reflect my true credit history. These inaccuracies have caused me undue stress and have negatively affected my credit 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 explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
dispute this debt in its entirety and request full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). National Credit Systems is attempting to collect {$1400.00} for alleged accelerated rent and damages at move-out on my former apartment ( XXXX XXXX  XXXX XXXX XXXX ) without providing legally sufficient documentation. 

I vacated the unit on XX/XX/year>, returned the keys via drop box because the office was closed, and took dated photos of the property. The unit was already re-rented and occupied by XX/XX/year>, which makes any accelerated rent or loss of rent claim improper. 

The creditors Statement of Security Deposit Account ( dated XX/XX/year> ) lists {$970.00} in damages and {$340.00} accelerated rent but provides no receipts, photos, work orders, or inspection report as required under Alabama Code 35-9A-201 ( c ). A handwritten maintenance sheet dated XX/XX/year> lists {$1300.00} in different charges, which conflicts with the creditors own statement. 

I requested proper validation and itemization, but National Credit Systems only repeated the same generic summary. I was told by their representative that this handwritten list was sufficient, which is false and violates FDCPA standards of verification and the XXXX  XXXX XXXX XXXX and Tenant Acts itemization rule. 

I am requesting : Full itemized accounting with receipts, invoices, photos, and proof of move-out inspection. 
Proof of assignment from XXXX XXXX to National Credit Systems. 
Proof of the re-rental date and make-ready work timeline for the unit. 
Suspension of all collection and credit reporting until proper documentation is provided. 

Attachments ( Exhibits ) : XXXX  Move-out photos ( XX/XX/year> ) XXXX  Handwritten XXXX XXXX XXXX XXXX sheet ( XXXX ) XXXX  Package/occupancy proof ( XX/XX/year> ) XXXX  XXXX Termination Notice ( XX/XX/year> ) XXXX Statement of Security Deposit Account ( dated XX/XX/year>, received XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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