vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent letters regarding inaccuracies on my credit report. After receiving a letter stating accounts were verified the XX/XX/year>. I knew there was no investigation done as I was a victim of identity theft. I feel at this point I am being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand this XXXX XXXX account be deleted immediately or I will file litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and obviously got in the hands of the wrong person.

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 2025-04-21 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: AL

Complaint narrative:
I disputed multiple inaccurate items on my Experian report, including an old medical collection, excessive delinquencies on a paid account, and unauthorized hard inquiries. Despite my dispute and documentation, Experian failed to correct or delete these errors and relied on an automated system ( e-OSCAR ) instead of conducting a real reinvestigation. This violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). I requested verification details but received no meaningful response.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX Bankruptcy - XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: SC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7700.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These Accounts Are Reporting To My Credit Report Multiple Times With the Same Account Numbers. See Attached Documents. 

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-04-21 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: TX

Complaint narrative:
These Accounts Are Reporting To My Credit Report Multiple Times With the Same Account Numbers. See Attached Documents. 

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Factual Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report provided by XXXX  regarding an account with American Express ( Account # XXXX ). Upon reviewing my credit file, I have identified factual inconsistencies in the reporting of this account. 

Specifically, the payment history for this account inaccurately reports a series of CO ( Charge Off ) designations from XX/XX/XXXX through XX/XX/XXXX. However, the report also clearly states that the account was charged off in XX/XX/XXXX, which makes it factually inaccurate to report ongoing charge-offs for the same account after the charge-off date. Once an account has been charged off, it can not continue to accumulate monthly charge-off notations, as the status and balance are considered frozen at the time of the charge-off. 

Additionally, there are discrepancies in the balance reporting : The balance is reported as {$9300.00} consistently from XX/XX/XXXX through XX/XX/XXXX, without change, despite no payments being made, yet monthly Charge Off notations continue. This implies ongoing activity post-charge-off, which is inconsistent with credit reporting guidelines. 
These inaccuracies have a significantly negative impact on my credit profile. I am requesting the following action be taken : Remove all CO notations from XX/XX/XXXX through XX/XX/XXXX, as they are factually inconsistent with the stated charge-off date of XX/XX/XXXX. 
Conduct a full investigation into this accounts reporting accuracy and provide written confirmation of the correction. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( XXXX  ). I have enclosed a copy of the relevant credit report pages highlighting the errors. 

Thank you for your time and prompt attention to this matter. I look forward to your response within the XXXX-day timeframe as required under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting act has a process on how someone is allowed to put neg or positive stuff on my credit report. I have sent XXXX different sets of challenge letters to EACH of the reporting credit agencies to show that they did not follow the correct steps to place this bankruptcy on my credit report and they have ignored my request and I am not getting a response. They were supposed to call me, have it be recorded conversation to verify that I am who I am, and that info was correct before putting it on my credit report. They do not have the legal right to place this info on my credit report and I want it taken off. Show me the documentation they they did the correct steps before putting this on my credit report. I sent a total of XXXX challenge letters, they never addressed my original request to see the documentation that they did the right steps before adding this to my credit report. I thank you for your time, and hope this gets fixed as soon as possible. 

I NEVER received a call verifying it was me before putting this stuff on my credit report and it needs to be taken off. that is why there are correct steps before putting something on my credit account, it did not happen, you can not provide proof, therefore I want it gone!!! I just sent my XXXX challenge letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting act has a process on how someone is allowed to put neg or positive stuff on my credit report. I have sent XXXX different sets of challenge letters to EACH of the reporting credit agencies to show that they did not follow the correct steps to place this bankruptcy on my credit report and they have ignored my request and I am not getting a response. They were supposed to call me, have it be recorded conversation to verify that I am who I am, and that info was correct before putting it on my credit report. They do not have the legal right to place this info on my credit report and I want it taken off. Show me the documentation they they did the correct steps before putting this on my credit report. I sent a total of XXXX challenge letters, they never addressed my original request to see the documentation that they did the right steps before adding this to my credit report. I thank you for your time, and hope this gets fixed as soon as possible. 

I NEVER received a call verifying it was me before putting this stuff on my credit report and it needs to be taken off. that is why there are correct steps before putting something on my credit account, it did not happen, you can not provide proof, therefore I want it gone!!! I just sent my XXXX challenge letters

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 2025-04-21 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: NM

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach and/or fraud. I hereby demand verifiable proof, including documentation bearing my physical or electronic signature, for any accounts or inquiries alleged to be authorized by me. 

This letter is submitted directly by me, not through any third party, and I request your full and careful review. I never authorized the actions reported, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these entries and confirmed that these actions were initiated without proper validation or supporting documentation. As such, they are not factually accurate and appear to be the result of fraudulent activity or unauthorized reporting by creditors or third-party data furnishers. 

This is a formal request for you to immediately investigate, and block or delete the disputed information unless you can provide lawful verification of my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
NewRez/ShellPoint Mortgage Services ( NR/SMS ) never applied my mortgage payments made on XXXX XXXX, XXXX XXXX, and XXXX XXXX to my balance on time. I've disputed this with them on multiple occasions and continued to make my monthly payments. They applied these payments to my mortgage, despite the payments clearly indicating what months they were for. 

The company returned my funds to the bank in XX/XX/XXXX, and I resubmitted my payments immediately. However, NR/SMS filed a negative credit history of XXXX consecutive XXXX missed payments with the credit bureaus. I've tried multiple times to fix my credit reports with the XXXX bureaus, repeatedly, but to no avail. The company deactivated my account after I sold the property in XXXX XXXX, and I have no way of contacting them directly for a remedy. 

I continue to file complaints and disputes, but they are not successful. I want any negative impacts on my credit reports from NR/SMS to be removed immediately. It is preventing me from qualifying for a new mortgage and directly hurting me and my family.

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 2025-04-21 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: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX XXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding Inaccurate Charge-Off Accounts on Credit Report To Whom It May Concern, I am writing to formally file a complaint and request an investigation regarding inaccurate and outdated charge-off accounts currently being reported on my credit report. These accounts are negatively affecting my creditworthiness and may not be in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations. 

The accounts in question are listed below : Creditor Name : [ Jefferson Capital, LL ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX XXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] I am requesting the Consumer Financial Protection Bureau initiate an investigation into these accounts to determine if : XXXX. The reporting is accurate and verifiable by the original creditor. 
XXXX. The charge-offs comply with FCRA requirements, including reporting time limits. 
XXXX. Proper validation and documentation were maintained by the reporting agencies. 

I have attempted to resolve these matters directly with the credit bureaus and the creditors involved, but I have not received sufficient evidence or justification supporting the continued reporting of these accounts. 


I am requesting that if the reporting creditors can not verify the accuracy and legitimacy of the charge-off entries in a timely manner, these items be permanently removed from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution in accordance with federal law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief