vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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:
I am submitting this formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment * * Law Violation : FCRA 1681s-2, 1681e ( b ), and CFPB Reporting Requirements The reported late payment is inaccurate and misleading. 
Story : I have no record or valid recollection of missing payments on this account. No proper notice of default or delinquency was ever received. This error is affecting my creditworthiness and must be deleted immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) Unauthorized inquiry without my consent.

Story : I did not request any services or apply for any account with XXXX XXXX XXXX XXXX. Please remove it. 

XXXX XX/XX/XXXX XXXXnquiry Law Violation : FCRA 1681b ( c ) Unauthorized access of my credit file. 
Story : I have not authorized XXXX ( XXXX ) to perform any inquiry on my credit. This must be deleted immediately These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 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 2025-07-12 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 non-monetary relief
Consumer complaint received 2025-07-12 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: KY

Complaint narrative:
Re : Formal Complaint Against XXXX XXXX Request for Removal of Late Payments Due to FCRA Violation To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), and for continuing to report derogatory information that they are unable to properly verify. 

XXXXXXXX XXXX has reported late payments and foreclosure status for my mortgage account ( Account Number : XXXX ). I have made multiple requests for proper verification and documentation to support the reporting of these late payments, specifically requesting proof that written notice was sent to me at least 30 days prior to the reporting, as required by the FCRA. 

Instead of providing documentation relevant to the derogatory reporting made in XXXX and XXXX, XXXX responded with a generic Notice of Furnishing Negative Information dated XX/XX/XXXX. This document does not satisfy the legal requirement and does not relate to the late payments reported in the relevant timeframe. Furthermore, XXXX has failed to provide any certified proof that such notice was sent or received prior to the negative reporting. 

Due to their failure to comply with the FCRA and inability to provide the required documentation, I am formally requesting the Consumer Financial Protection Bureau to : XXXX. Investigate XXXX XXXX violations of the FCRA, XXXX. Require XXXXXXXX XXXX to immediately remove all reported late payments from XXXX and XXXX from my credit reports, XXXX. Ensure XXXX XXXX  ceases further reporting of unverifiable derogatory information, XXXX. Apply regulatory consequences if necessary to enforce compliance. 

Attached is XXXXXXXX XXXX written response, which I submit as evidence of their failure to meet federal standards. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KY 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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a Goodwill Adjustment Letter to Capital One, requesting the removal of my late payment reported on my account. The late payment occurred in XXXX. I explained in my letter that this was my first late payment in several years and was due to extenuating circumstances. I requested that they reconsider and remove this late payment as a goodwill adjustment, given my otherwise positive payment history. 



As of now, I have not received a response from Capital One. I am filing this complaint to request assistance in getting this late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NV

Complaint narrative:
I am following up on my prior complaint regarding a fraudulent account reported by [ XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company has not provided any documentation or proof to validate the account as mine. They have also failed to perform a reasonable reinvestigation as required under the Fair Credit Reporting Act. 
As stated in my original complaint, I did not open or authorize this account. I have submitted an FTC Identity Theft Report and have disputed the item with all three major credit bureaus. 
I am requesting that the Consumer Financial Protection Bureau take further action and require to produce written documentation proving I opened the account, or else order its immediate deletion from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NV

Complaint narrative:
I am following up on my prior complaint regarding a fraudulent account reported by [ XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company has not provided any documentation or proof to validate the account as mine. They have also failed to perform a reasonable reinvestigation as required under the Fair Credit Reporting Act. 
As stated in my original complaint, I did not open or authorize this account. I have submitted an FTC Identity Theft Report and have disputed the item with all three major credit bureaus. 
I am requesting that the Consumer Financial Protection Bureau take further action and require to produce written documentation proving I opened the account, or else order its immediate deletion from 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 non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence on my credit report is completely unacceptable. This false reporting presents misleading information about my financial history and is a serious violation of my rights. 
I take the accuracy of my credit profile very seriously. I request immediate clarification regarding the origin of these accounts and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

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 2025-07-12 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 am contacting you to formally dispute a hard inquiry listed on my credit file. I did not authorize any entity to perform a credit check, and I have not initiated any transactions or accounts that would permit such 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 2025-07-12 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: IL

Complaint narrative:
I am formally requesting an immediate re-investigation into several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. 
I previously contacted your agency and was assured that these inquiries would be removed. However, they still appear on my report. This continued inaction is unacceptable and raises serious concerns about potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: LA

Complaint narrative:
I have a XXXX  complaint that is unresolved and closed by XXXX. they told me to contact CFPB. Which i have already done, i am refiling since the request has not been satisified and there is new information of non-compliance.

see XXXX for XXXX XXXX XXXX No XXXX  complaint for them, attached in my original complaint XXXX too SHEPARD outsourcing- XXXX XXXX XXXX complaint responses attached in XXXX I asked Shepard multiple times very clearly to remove all traces of my information 1st response was a generic copy paste of " Shepherd Outsourcing has removed the number from our system and added it to our internal " Do Not Call/Text '' list to prevent any further contact regarding this matter '' see XXXX  page of very similiar complaints XXXX XXXX XXXX I asked them to remove me from the internal list with very clear instructions that can not be mis-read XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to formally request that you remove all records of my contact information, including my name and phone number, from your system. I do not wish to be included on any internal or external lists, and I request confirmation that all my data has been deleted as per my request. XXXX XXXX XXXX XXXX XXXX they replied with the same answer but changed the terminology to a " wrong # database '' i asked for the 3rd time using more detailed language asking for an explanation on why my request can not be taken " My request was to delete all traces of my number. Storing it in a 'Wrong Number ' database constitutes storingmy personal information.

Please confirm if my number has been completely erased from all databases, including the 'Wrong Number ' database, or if it is still being retained in any capacity.

If it is being retained, please provide the specific legal basis or legitimate business reason under which you are retaining it, despite my request for complete deletion.

their last response was " as previously stated '' .... " removed from our database, therefore we have nothing left to delete '' this is factually incorrect and a LIE since they are on record telling me TWICE that they stored my information in their internal list. A database is used to store information INTERNALLY now they are saying its been removed this whole time, negating their previous stance this whole thing is beyond ridiculous. I have a very valid and fair request I have privacy/security concerns about my phone # being used in any capacity by them. Both Storing and selling of any information combine that with the XXXX  complaints. There is a SHOCKINGLY high number of " wrong numbers '' being contacted by this company. You could make a valid argument they are purchasing these phone numbers from XXXX XXXX and are cold texting them some bogus debt. 

regardless if this is shady business pratice or just a genuine mistake i want my number REMOVED in all capacities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I submitted a request to assume my partners ( XXXX ) FHA mortgage by replacing his ex-spouse ( XXXX XXXX as co-borrower on XX/XX/XXXX. This is known as a credit-qualifying FHA assumption XXXX which is allowed under HUD Handbook 4000.1, Section II.A.8, provided the new borrower qualifies. 

I submitted complete financial documentation. LoanDepot pulled my credit ( XX/XX/XXXX ), indicating they received and began evaluating the request. 

Despite this, LoanDepot denied the assumption without underwriting my application. They stated that their legal department concluded the assumption could not proceed if the existing borrower ( my partner ) remains on the loan, even though HUD policy does not prohibit borrower substitution in such cases. 

I requested a written explanation citing the specific FHA guideline they are relying on. They refused, stating communications with HUD were confidential and offered no policy citation. This makes it impossible to understand the legal basis for the denial. 

I believe this contradicts FHA policy and may reflect a pattern of noncompliance or misinformation. I am seeking transparency and compliance with FHA assumptions procedures.

Company response to consumer: Closed with explanation