vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to dispute and request the immediate blocking of fraudulent information appearing on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681C-2 ) This account listed below was opened/used without my authorization as a result of identity theft : Discover Bank XXXX Credit Card Charge Off ( kindly requested 1099C if the alleged debt belongs to me & is written off, but never received ) I did not open this account, authorize it's use, or receive any benefit from it. Under 15 U.S.C 1681c-2, credit reporting agencies are required to block such fraudulent information when a consumer provides proof of identity theft.

Enclosed are copies of : My FTC Identity Theft Report My police report A copy of my government-issued ID and proof of address.

I demand that this fraudulent account be blocked and removed from my credit file immediately. Please provide me with written confirmation of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery Re : Account # XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation ( FDCPA 1692g ) Dear Portfolio Recovery, I am writing in response to your communication regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and request that you validate this alleged debt. Please provide the following : Verification of the amount owed, including an itemized breakdown of principal, interest, fees, and charges. The name and address of the original creditor. A copy of the written contract or agreement bearing my signature. Documentation showing you are licensed to collect debts in my state ( if applicable ). Proof that your agency is authorized to collect this debt ( i.e. assignment or ownership documentation ). I dispute the validity of the debt and request that you cease all collection activity, including phone calls, letters, or credit bureau reporting, until you have provided the documentation requested. Please respond within 30 days of receipt of this letter. If you do not provide proper validation, you must terminate all collection efforts and mark any associated credit record as disputed by consumer Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
As directed by USC 1681g, the erroneous accounts must be found and removed within XXXX XXXX of being notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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 explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory 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 2025-08-21 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Servicer : NewRez LLC dba Shellpoint Mortgage Servicing Loan Number : XXXX Property : XXXX XXXX XXXX, XXXX, FL Subject : Mortgage Servicing Violations, Unlawful Default Interest Demands, Failure to Process Timely Payment Description of the Problem : Dear Consumer Financial Protection Bureau, I am filing this complaint due to numerous and ongoing violations by Shellpoint Mortgage Servicing regarding my commercial mortgage account ( Loan No. XXXX ). 

I have repeatedly offered and authorized immediate payment of my past due regular monthly installments for XXXX, XXXX, and XX/XX/year>, totaling {$9900.00}. My payment instruction was timely and explicit ( XX/XX/year> ), with sufficient funds available for payment. Nonetheless, Shellpoint failed to process the payment due to internal administrative errors ( absence of assigned staff ), not due to any delay, refusal, or inability on my part. 

In addition, Shellpoint is demanding " default interest '' in the excessive amount of {$26000.00} for a principal arrearage of {$9900.00} over less than three months.

This demand : Exceeds contractual and statutory limits : The Promissory Note ( Section H ) sets a default interest rate cap at 18 % per annum, and per Florida Statutes 687.03 et seq., all interest, fees, or penalties beyond statutory limits are void.

Raises serious compliance concerns : The mathematically correct and legally permissible default interest would be approximately {$440.00} for the arrearage periodnot over {$26000.00}.

Despite numerous formal written requests, Shellpoint has : Failed to provide the detailed, period-by-period, itemized breakdown of the alleged default interest ( as required under 12 CFR 1024.35 ).

Failed to provide written confirmation of unconditional payment acceptance and account status correction.

Continued foreclosure proceedings and adverse actions, conditioned payment acceptance on irrelevant requirements ( e.g., " hardship application '' ) despite my ability and readiness to pay immediately. 

It appears Shellpoint has violated multiple CFPB/RESPA requirements, as well as Florida state law on usurious interest practices.

Requested Solution : I request the following : Immediate acceptance of my full past due payment of {$9900.00} and restoration of my account to current status.

Immediate suspension of all adverse actions ( including foreclosure and negative credit reporting ).

Complete reversal of unlawfully assessed charges, fees, and excessive default interest.

Provision of a detailed, period-by-period breakdown and legal basis for any interest, fees, or charges imposed.

Oversight and enforcement action by CFPB to ensure compliance with RESPA, TILA, and state law. 


Sincerely, 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 2025-08-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has stole my identity and open these fraudulent accounts. Never gave anyone permission or authorization to open these accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$20000.00} Account name : XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Account name : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Account name XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Open XXXX XXXXXX/XX/XXXX Balance : {$13000.00} Account name : XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$99000.00} Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Account name XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Date Open XXXX XXXXXX/XX/XXXX Balance : {$8700.00} Account name : XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$8300.00} Account name XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$30000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
For the past XXXX  days, I will attempt to make a purchase and my card will be declined. I then have to call the bank and I spend about XXXX to XXXX minutes on the phone with the security department where they asked me many questions I get the security hold cleared only to go out and make it another purchase and then the security hold is back on again and I have to go through the same process this happens sometimes XXXX times a day the last time it happened was Thursday the XXXX around XXXX p.m.. I had used my card, I then went to another Merchant and my card was declined. I called and they said they had a XXXX hold on my account and they were researching it. This has been going on daily

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding a collection account reported by Portfolio Recovery Associates on behalf oXXXX XXXXXXXX XXXX XXXX XXXX. The account number is XXXX. 

There are inconsistencies and inaccuracies across credit bureaus that raise concern about the accuracy and validation of this account : XXXX  shows the account opened in XX/XX/year> with payment history starting in XX/XX/year>, reporting derogatory marks every month. 

Experian originally reported derogatory marks starting in XX/XX/year>, but after my dispute, Experian changed the history to start in XX/XX/year> with no explanation or documentation provided. 
I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), which requires information to be accurate and consistent. Retroactive changes in derogatory marks after a dispute without proper validation suggest the furnisher is unable to verify the data. 

Furthermore, if the account was opened in XX/XX/year>, how could it already have been in collection by XX/XX/year> without a verifiable billing cycle or agreement? I have not received any proof of the original debt terms or default timeline. ' This reporting is harming my credit profile and appears to be inaccurate, unverifiable, and potentially misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am concerned about a possible mistake involving a late payment on my report. Please address this quickly, as Ive consistently paid on time.

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 2025-08-21 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: FL

Complaint narrative:
I am writing to dispute inaccurate information currently being reported on my TransUnion credit report. The following accounts contain errors that must be corrected : Account XXXX Account Name XXXX XXXXXXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Reason for Dispute : This account is reported as 120 days late, yet the two-year payment history grid shows consistent OK ( on time ) markings after the alleged delinquency. This inconsistency indicates inaccurate reporting. Additionally, late statuses differ from what is reported by other credit bureaus. 

Account XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason for Dispute : TransUnion is reporting this account as XXXX  days late, but the payment history shows a mix of OK payments following the alleged delinquency, contradicting the reported late status. This inaccurate reporting is inconsistent and unfairly damaging to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
Equifax is reporting a XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) with contradictory and incomplete information. It is coded as an Open Account while also marked XXXX, which is conflicting. The balance is listed as {$1600.00}, but the account simultaneously shows Late XXXX  Days / Collection, which is inaccurate. No supporting documentation has been provided to substantiate this alleged debt, delinquency, or assignment. 

This violates the FCRA because Equifax is furnishing unverifiable and inaccurate information : The contradictory coding ( Open + Collection ) is misleading. 
Payment history reporting Late 120 Days conflicts with the account balance coding. 
No verifiable documentation ( assignment of debt, DOFD, or account ledger ) has been produced. 
This fails the FCRAs requirement of maximum possible accuracy and reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I am disputing the accuracy and completeness of a XXXX student-loan tradeline on my TransUnion file. 
The entry shows ( per my report ) : Installment Educational, Account status : Transferred, Balance : {$0.00}, Past due : {$0.00}, yet it is coded Payment Status : Late 120 Days with last reported XX/XX/year> and comments account closed due to transfer. 

This is internally inconsistent and not maximum possible accuracy. A transferred {$0.00} balance account with {$0.00} past-due should not continue to display a severe delinquency status without supporting records. No Date of First Delinquency ( DOFD ) or itemized account ledger was provided, and there is no documentation showing how TransUnion verified the late-120 coding after transfer.

Under the FCRA, TransUnion must : maintain reasonable procedures for maximum possible accuracy, 15 U.S.C. 1681e ( b ) ; conduct a reasonable reinvestigation and delete information that can not be verified, 1681i ( a ) ; provide the consumer the method of verification on request, 1681i ( a ) ( 7 ) ; and ensure furnishers investigate and correct/delete inaccurate data, 1681s-2 ( b ).

Because the account reflects {$0.00} balance and {$0.00} past due after transfer, but still shows Late 120 Days, the tradeline is inaccurate and/or incomplete.

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