vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX or XXXX I believe this account is inaccurate and unverifiable for the following reasons : 1. Duplication : I have two accounts reported by XXXX XXXX with different account numbers ( [ XXXX ] and [ XXXX ] ) but believe they are for the same original debt. This is an inaccurate representation of my credit history. 
2. Inaccuracy : The accounts are being reported as " Derogatory '' which is incorrect. I am disputing the validity of this account and the debt itself. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i, you are required to investigate and verify the accuracy of all reported information. As per 15 U.S.C 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' does not include any report containing information solely for employment purposes which I am disputing as an inaccurate report. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Furthermore, under 15 U.S.C 1681c ( a ), any information which is not verified must be removed from my credit report. Additionally, pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ), a consumer reporting agency can only furnish a consumer report under specific circumstances, none of which apply to the inaccurate reporting of this account.

I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
As this is a dispute regarding the accuracy of information, I am also notifying you that I am exercising my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C 6802, which states that a financial institution may not disclose nonpublic personal information about a consumer to a nonaffiliated third party unless certain conditions are met.

Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further legal action to protect my consumer rights. 
A copy of my identification and proof of address are enclosed for verification purposes. 
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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX : XXXX XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " Unknown, '' which I believe is a reporting error. The balance is listed as {$140.00}, but the last payment date is XXXX and the date closed is XXXX, which is inconsistent. This reporting is inaccurate and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle. 
Furthermore, under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666B, a creditor is required to provide accurate information regarding credit reporting. The information reported on this account is inaccurate and violates this provision. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " Unknown, '' which I believe is a reporting error. The balance is listed as {$140.00}, but the last payment date is XXXX and the date closed is XXXX, which is inconsistent. This reporting is inaccurate and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle. 
Furthermore, under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666B, a creditor is required to provide accurate information regarding credit reporting. The information reported on this account is inaccurate and violates this provision. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have a HELOC with Shellpoint Mortgage. I paid the loan off in full on XX/XX/year>. I followed up and asked why it wasn't closed, for which they said I had to Fax Another request. Which I did- and they confirmed receipt. This was on/around XX/XX/year>. Since then nothing has happened. The account remains open and on my credit it shows a balance of $ XXXX, with a credit line of $ XXXX. Also saying the last payment made was in XXXX. 
This is critically damaging my credit report. XXXX 's ability to report accurate up do date payment history has always been a problem- constantly showing my balance over the max which is not accurate. Having a loan of {$110000.00} on my credit for what is now almost 2 months since paying it in full is not acceptable. They continue to send me statements saying no payment due, no balance- but have not reported this to the credit bureaus and have not closed the account despite repeated request, submitted via secure message, phone and fax.

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 2025-06-26 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dear XXXX, XXXX, XXXX, Debt Collectors Under the 15 USC 1692 G Validation I do not recognize how these accounts reporting on my credit report. 

I dont recognize the account numbers I dont recognize the account statuses I dont recognize the account Original/high balances Nor do I recognize the late payments thats associated with these accounts Everything here does not meet the FRCA These accounts have already been investigated fraudulent and have errors and been on my credit report longer than 30 days. 

All the accounts listed below is a Violation of the FCRA. 

Duplicate accounts Columbia Debt Recovery {$5500.00} Date opened XXXX. XXXX XXXX  Date closed XX/XX/XXXXXXXX  Genesis XXXX XXXX {$5500.00} Date opened XXXX. XXXX XXXX Date Closed XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX {$11000.00} Date opened XX/XX/XXXXXXXX  Date closed XX/XX/XXXXXXXX  XXXX XXXX XXXX {$6500.00} Date opened XX/XX/XXXXXXXX  Date closed XX/XX/XXXXXXXX  Failure to remove all accounts will result in a lawsuit against XXXX, XXXX, XXXX  and Debt Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: HI

Complaint narrative:
After reviewing my records, I believe this late payment is inaccurate because the payment made on XX/XX/year> and XX/XX/year>XXXX  is inaccurate, payment was made on time, Please investigate this matter and verify the accuracy of this entry. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you promptly conduct an investigation and correct or remove any inaccurate or unverifiable information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that this late payment has been corrected or removed.

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 2025-06-26 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: PA

Complaint narrative:
I recently reviewed XXXX XXXX to apply to for credit card then I see that hurting my credit please, remove that fraudulent account thank you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/year> to ask why they were reporting my account as late 90 and 120 days because my account should of been in deferment status due to my XXXX XXXX military status. They agreed that they were unsure why it was reporting this way and they would remove the existing late payments and report to the credit bureaus with no more late payments. The representative told me it would reflect for the month of XXXX, but that was not true. On XX/XX/year> I called XXXX XXXX XXXX again and they said they were unable to help me. This is very frustrating to me because as an XXXX XXXX service member I am entitled to the deferment benefit along with SCRA benefits. My account should of been in deferment status to begin with and XXXX XXXX XXXX failed to properly handle my account. This has caused a detrimental effect on my credit report which has resulted in me having no opportunity to purchase a home for my family and I. It has brought great distress to our family and has also affected my ability to serve my country. I ask that XXXX XXXX XXXX be held accountable for their promises and correct my account immediately.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/year> to ask why they were reporting my account as late 90 and 120 days because my account should of been in deferment status due to my XXXX XXXX military status. They agreed that they were unsure why it was reporting this way and they would remove the existing late payments and report to the credit bureaus with no more late payments. The representative told me it would reflect for the month of XXXX, but that was not true. On XX/XX/year>XXXX  I called XXXX XXXX XXXX again and they said they were unable to help me. This is very frustrating to me because as an XXXX XXXX service member I am entitled to the deferment benefit along with SCRA benefits. My account should of been in deferment status to begin with and XXXX XXXX XXXX failed to properly handle my account. This has caused a detrimental effect on my credit report which has resulted in me having no opportunity to purchase a home for my family and I. It has brought great distress to our family and has also affected my ability to serve my country. I ask that XXXX XXXX XXXX be held accountable for their promises and correct my account immediately.

Company response to consumer: Closed with non-monetary relief