vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
XXXX XXXX XXXX has engaged in deceptive and unlawful credit reporting practices in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), by knowingly furnishing materially false, manipulated, and unvalidated tradeline data to the consumer reporting agencies. This includesbut is not limited tothe alteration of payment reporting dates after the initiation of a dispute, indicating post-dispute tampering intended to obfuscate prior inaccuracies. 

Despite multiple written requests, XXXX XXXX has failed to provide proper debt validation under 609 ( a ) ( 1 ), including a signed contract, original billing statements, account-level payment breakdowns, and any legally admissible evidence of default. No documentation justifying the reported 30- and 60-day delinquencies was furnished. This constitutes both a failure to investigate under 611 and a knowing misrepresentation under 623.

Moreover, during the disputed period, I received fraudulent merchandisea designer item that upon third-party review was deemed non-authentic. I promptly informed the company, and they failed to resolve the matter or offer a refund, implicating further violations under the FTC Act for deceptive business practices and breaches of the Uniform Commercial Code ( UCC 2-313 through 2-316 ).

The companys response thus far has been evasive, generic, and procedurally noncompliant. They have marked prior complaints as duplicates without materially addressing the claims presented, further obstructing lawful redress.

This is not a duplicate complaint. This is an escalated action due to : FCRA 609 and 623 noncompliance Post-dispute date tampering Misrepresentation of merchandise value Continued refusal to furnish documentation Violations of federal mail and wire fraud statutes ( 18 U.S.C. 1341, 1343 )

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 2025-07-29 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:
I GIVE MY PERMISSION FOR CFPB TO INVESTIGATE THIS MATTER Credit bureaus used my information without my consent and knowledge I in no way gave any permission to pull any inquires on my report it was done without my permission. I have contacted them on this matter, and it has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-29 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Under 15 U.S. Code 1681i ( a ), I dispute the accuracy and completeness of this account. You are required to conduct a reasonable reinvestigation within 30 days. Failure to do so or continued reporting of unverifiable data is a violation of federal law.

Under 15 U.S. Code 1681s-2 ( b ), if a data furnisher ( like XXXX XXXX or a debt collector ) continues reporting inaccurate or unverifiable information after you dispute it with the bureaus, they are violating the law.

Under 15 U.S.C. 1692g, demand : Original creditor name Proof you owe the debt Verification of amount License to collect in your state If they fail to validate, they must stop collecting and remove the account from your 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 non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-07-29 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: NH

Complaint narrative:
I am filing this complaint because TransUnion is knowingly reporting inaccurate late payment and incomplete, and duplicative student loan tradelines in violation of the Fair Credit Reporting Act ( FCRA ). The agency is reporting XXXX separate tradelines from XXXX on my TransUnion credit report. These tradelines are duplicative and inconsistent, and their reporting has severely damaged my credit score.

I have identified the following violations : 1681e ( b ) : Failure to maintain accurate, up-to-date credit records.

1681i ( a ) : Failure to investigate and correct incomplete or unverifiable information.

1681s-2 ( b ) : Furnishers failure to conduct a reasonable reinvestigation after my disputes.

Duplication : Two pairs of tradelines with identical open dates and original creditors but different balances and payment terms creating a false impression of more debt. 
Chronological Errors : They reported XXXX late payments from XXXX to XX/XX/year> on accounts marked Paid or Paying as Agreed, which is logically impossible and violates XXXX XXXX XXXX guidelines. 

These violations have caused my credit score to drop significantly, and as a result : I have been denied credit card approvals, I have been denied auto financing, I have experienced emotional distress and anxiety due to being punished for debt that is inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello, I have a mortgage that is being serviced by shell point mortgage. 

I am XXXX  months behind on the mortgage and the rule is that after XXXX  months they can refer my account to pre-foreclosure. 

On XX/XX/XXXX I made XXXX month payment and at that time i owed XXXX  months mortgage. I called in on XX/XX/XXXX because i was unable to schedule my payment online. the agent told me that i should try back online in a few days and i would be able to schedule that payment online. I checked back every day and still i was unable to schedule my payments. On XX/XX/year> the mortgage servicer added attorney fees of {$2200.00} + {$260.00} to my account and saying they send my account to pre-foreclosure after they refused to give me access to pay my loan online. I need your help to fight these fees. Shellpoint Mortgage is sleezy and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seattle Service Bureau, Inc
State: AL

Complaint narrative:
I was trying to come up with a payment option because Im unemployed right now. I was trying to explain what are my options and they guy hung up on me. I called XXXX. He didnt give me time to say anything when I said I couldnt agree to the payment he offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
( I picked the best category given the choices ).. 

On XX/XX/25 I signed up for Capital One Shopping having been offered a {$40.00} bonus on a stores checkout page. I then didnt do anything with it other having extension on. On XXXX after shopping with XXXX and seeing the popup offering Capital One Shopping I proceeded to set up and verify the account. I was also offered {$25.00} to install it on my phone. 

I continued to use COS on my phone and computer and to my knowledge should have between XXXX cashback ( as I don't know wasn't keep tracking of store purchases ). I placed many large orders in XXXX and Capital One almost definitely received referral credit. 

On XX/XX/25 Capital One terminated account, with no practical explanation. ( XXXX XXXX email ). I have never had a COS account except as described here and I can't imagine installing the extensions and doing my normal shopping violated any ToS.

While I understand Capital One has the right to terminate my account, its at best dishonest / false advertising and at worse fraudulent to promise me sign up bonuses in order to move me away from other cashback portals only to keep the funds that the stores paid them.

Further contact with COS has reveraled no new information or resolution. 
I attached my emails showing a normal active account that was being used up to termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-29 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 recently reviewed a copy of my credit report and noticed a fraudulent account. Bellow is the account I would like you to investigate : XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$1200.00}

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am disputing several inaccurate late payment notations that have appeared on my credit report. I have never missed a payment on any of my accounts, and I believe these negative entries are the result of reporting errors. 

The following accounts reflect erroneous late payment history : XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XXXX, XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Late payments reported for XX/XX/XXXX ; XX/XX/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 2025-07-29 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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