vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
These accounts were charged off on the year XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I contacted New Rez on XX/XX/XXXX for a pay-off amount because I wanted to pay off my mortgage by XX/XX/XXXX. New Rez sent me a payoff letter dated XX/XX/XXXX for {$120.00}, XXXX, good through XX/XX/XXXX. I went to XXXX XXXX  and wired this amount with all of my loan information. On XX/XX/XXXX, I was contacted by New Rez ( " XXXX '' ) stating that I owed {$320.00} more in principle. XXXX verified that I paid off the loan amount of {$120000.00} and then stated there were XXXX other pay-off letters generated, XXXX on XX/XX/XXXX and another on XX/XX/XXXX, each for different amounts and each good through XX/XX/XXXX. I never received these last XXXX letters and did not know they existed. Following the verification of my paid mortgage, XXXX filed a complaint on my behalf because they are demanding I pay {$320.00} dollars. I asked her who this complaint goes to and she replied that it is being " escalated ''. I then asked her if whoever is looking at the complaint has the authority to resolve this issue. She said " probably not, '' and that there will still be an amount due for the {$320.00} dollars from another pay-off letter I never received. It doesn't make sense to escalate an issue if the department/person it's being escalated to does not have the authority to resolve the dispute! So, on the same day, XX/XX/XXXX, I contacted the CFPB. There is something very shady about a mortgage lender sending out multiple pay-off quotes with varied amounts that are all valid on the same date. 
I paid off my mortgage according to the pay-off letter that was supplied to me.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Subject : Goodwill Adjustment Request for Late Payments on Multiple Student Loan Accounts Account Number : [ XXXX ] Dear XXXX Representative, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my credit file for several student loan accounts serviced by XXXX. These accounts appear as multiple tradelines, but they are all tied to the same core account number : [ XXXX ]. 
During the period of [ XXXX ], I experienced unexpected hardship due to [ briefly explaine.g., a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Unfortunately, this resulted in delayed payments across all XXXX associated loan accounts. 
Please know that this was never a reflection of my intent to disregard my financial responsibilities. Since that time, I have taken every step to correct the issue. All accounts are now current, and I have maintained an on-time payment history since then. I am committed to staying on track with all future payments and have implemented better budgeting and monitoring to ensure my financial obligations are always met. 
In light of my consistent efforts and improved payment behavior, I am humbly requesting a goodwill adjustment to remove the late payment notations from my credit reports. I fully understand that XXXX is not obligated to honor this request, but I ask that you consider it as a gesture of understanding and compassion. This adjustment would go a long way in helping me recover from that period and continue building a solid financial future. 
Thank you for your time and consideration. Please let me know if you need any additional information to support my request. I greatly appreciate your attention to this matter and hope to hear from you soon. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Central portfolio continues to try to collect {$530.00} debt that was paid by insurance 4.5 years ago that is not owed to central portfolio not to mention it has exceeded the 3 years of statue of limitations purposely dropped my credit score XXXX points by raising the paid medical debt to {$530.00} to destroy my credit.I demand Centeal Portfolio to stop all unlawful, collecrions of paid medical debt 4.5 years ago Stop all negative credit reporting to all 3 credit reporting agencies, remove all negative and unlawful credit reporting.I want the state of Florida and Consumer Financial Protection Bureau to sue this Scam of a collection Company and Stop this Central Portfolio from any unlawful collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-06-18 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: GA

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> XXXX Experian and Equifax has failed to fulfill its legal obligation under the FAIR CREDIT REPORTING ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved.THE CONSUMER Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Equifax alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items disputed the evidence I provided causing ongoing harm to my credit standing.Im requesting immediate corrective action to remove all my closed accounts as Experian and Equifax transunion inaction violates federal law and my right 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 2025-06-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL NOTICE FAILURE TO VERIFY ACCOUNTS | DEMAND FOR DOCUMENTATION OR IMMEDIATE DELETION To Whom It May Concern, This is a final demand for verification and deletion of the following inaccurate and disputed accounts on my Experian credit report. You have failed to conduct a proper reinvestigation as required under FCRA 611 and 623 ( b ). I am now formally asking : How is Experian verifying these accounts?

I demand to know the exact method and source used to verify these items, and I request all documentation under my rights as a consumer under federal law. 
Disputed Accounts : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Status : Reporting inaccurate and unverified information XXXX XXXX XXXX XXXX Account # : XXXX Status : Reporting inaccurate and unverifiable information XXXX XXXX XXXX Account # : XXXX XXXX XXXX Status : Closed Repossession, balance listed as {$9800.00} LEGAL GROUNDS FOR DISPUTE : Under FCRA 611 ( 15 USC 1681i ) and FCRA 623 ( b ) ( 15 USC 1681s-2 ( b ) ), you are required to : Conduct a full and complete reinvestigation within 30 days Provide written proof of verification or delete the accounts Cease reporting any unverifiable or incomplete information To date, you have failed to do so. Experian continues to report this data without providing : Original signed contracts Payment history Itemized breakdowns Legal validation of the debt and account details FINAL WARNING BEFORE ARBITRATION : If you do not : Provide all documentation used to verify the above accounts OR Remove these accounts from my credit profile within 15 days of the date of this letter, I will proceed with : Filing a complaint with the CFPB, FTC, and State Attorney General Initiating binding arbitration under the terms of your agreement Pursuing civil damages under FCRA 616 and 617 for negligent and willful noncompliance I expect written confirmation of the investigation results or deletions. Failure to comply will escalate this matter with no further notice. 

Sincerely, 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 2025-06-18 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: CA

Complaint narrative:
Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

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. ( NAME OF THE COMPANY ) 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 OF THE COMPANY ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had the IRS set up to direct deposit my refund which is over XXXX dollars for today XX/XX/18. I woke up to an email saying they rejected it because of my account name not matching the check which is invalid. I have ONE name and the IRS confirmed my name and spelling and said that the bank should have never rejected it. I also had my state refund deposited yesterday with NO ISSUE and today had my federal refund be rejected. I have XXXX daughters under the age of XXXX and I need to provide for them. This is my money and Chime had no right to reject a DEPOSIT in my account that I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
A woman named XXXX XXXX on behalf of HSBC, called my cellular phone on the XXXX of XX/XX/XXXX. She left a message so there is proof of her communication. The voicemail message said the following : My name is XXXX XXXX. I'm calling in regards to a pending claim that has been filed here in my office, against you. I need a return phone from either you or your attorney. If in fact you are represented by counsel, today, to avoid any further action on this claim, please return my call at ( XXXX ) XXXX. The XXXX does require that all parties involved be notified. I can not stress enough the importance of a return phone call as I do not want you to be blindsided by the events that might take place. You have been notified My attorney called the number XXXX XXXX from HSBC left on the message and she insisted that the debt is over {$10000.00} and that I had paid on it in XXXX. These are lies and illegal collection practices. The message was particularly intimidating since XXXX mentioned the XXXX, which means an act of XXXX. So, if they are going to retaliate against me physically or in some other way, I would like this to be addressed by the appropriate U.S. authorities. 
Additionally, the IRS is aware that my identity was stolen 3 times in the last 5 years, so they might need to be investigated to find out if XXXX or HSBC or both are behind the stolen identity issues as well. 
Regardless, I attest that this is a bogus debt collection action by XXXX and request transparency and ceasing of their poor behaviors concerning their debt collection practices..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-18 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: IN

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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