vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Company Complained About : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Original Creditor : Not clearly identified or validated Account Number ( partial ) : XXXX What happened? 



On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX, disputing the accuracy and validity of a debt they are reporting to TransUnion. The letter was delivered and signed for, yet no response, validation, or documentation was provided within the required XXXX window under the Fair Debt Collection Practices Act ( FDCPA ). 



Despite failing to validate the debt, XXXX continues to report this account to TransUnion, while it has been removed from both Experian and Equifaxfurther confirming that the debt is unverified, inconsistent, and possibly inaccurate.

This violates multiple consumer rights : FCRA 611 ( a ) Failure to remove unverifiable information FDCPA 809 ( b ) Continuing collection/reporting activity without validation Steps Ive taken : Sent a certified dispute letter to XXXX ( Proof of mailing and receipt attached ) Disputed the item with all three credit bureaus The account was deleted from Experian and Equifax Still reporting negatively on TransUnion No documentation has been provided to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint against Experian an for repeatedly failing to verify or correct inaccurate bankruptcy information reported under my name, XXXX XXXX XXXX ( also known as XXXX XXXX ). 

I have disputed the reporting of Bankruptcy Case # XXXX multiple times since XXXX. Despite my formal disputes and requests for Method of Verification ( MOV ) as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus have failed to provide any verification or valid response.

Instead, I received generic letters claiming no errors were found, without explanation or evidence. This repeated failure to investigate, verify, or correct inaccurate reporting is a willful violation of the FCRA and has caused me ongoing harm.

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
RE : Complaint # XXXX Shellpoint/XXXX/Newrez is asking for copies of checks when electronic payments were sent. Attached are the history of all electronic payments sent along with tracking numbers. This shows that for the past 19 months, 19 payments have been issued with tracking numbers. Obviously, there are no front and back copies for electronic checks. 

Shellpoint/XXXX/Newrez is asking for full copies of checking account statements. These were previously submitted to XXXX XXXX of ShellpointXXXX/Newrez ' compliance department . Shellpoint/XXXXNewrez needs to retrieve them from XXXX XXXX. 

Shellpoint/XXXX/Newrez wants to ensure that no payments were returned to my checking account. No electronic payments were returned to my account, please have Shellpoint/XXXXNewrez show proof that payments were returned. This proof can be in the form of an electronic tracking number issued to my account at the XXXX XXXX XXXX XXXX, or a copy ( front and back ) of a paper check. The absence of either of these proves no payments were ever returned

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

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 2025-07-15 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: PA

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$580.00} INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX  2 . XXXX 3. XXXX  XXXX  4. XXXX 5. XXXX 6. 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 2025-07-15 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: IN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-15 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: FL

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$540.00}

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 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/year>

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 2025-07-15 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: MN

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 explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 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: ME

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
We voluntarily surrendered our mobile home to Vanderbilt Mortgage in XX/XX/year>. Vanderbilt informed us that the account is closed and that we can not make any payments until the property is sold. 

Despite this, Vanderbilt continues to report monthly missed payments to the credit bureaus. This reporting is inaccurate and misleading, as we have no ability to make payments and have tried multiple times to resolve the issue. They refuse to provide a resolution or timeline for sale. 

We are requesting that the CFPB intervene to ensure Vanderbilt stops reporting false delinquencies and updates the account to reflect the accurate status of Voluntary Surrender Pending Sale or Closed with no further late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I am filing a complaint regarding a collection account that appears on my credit report with XXXX. 

The collection is for a XXXX account that I have already paid in full, directly through XXXX. I contacted XXXX support, and they confirmed that there is no active collection account on their end. Despite this, the collection is still showing on my XXXX credit report, and XXXX refuses to remove it, even after I submitted a dispute with proof. 

I believe this collection is either : Incorrect in the amount owed Duplicate, or Already resolved, and therefore should not be reported. 

I am requesting that the CFPB investigate this issue, assist in having the collection removed from my report, and ensure that the reporting agency and any debt collector involved stop reporting inaccurate information. 

I have documentation showing my payment and the confirmation from XXXX support that the account is clear. I am happy to provide these upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 am a victim of identity theft. Several credit accounts have been fraudulently opened in my name without my authorization. I have submitted disputes to the credit reporting agencies ( Experian, Equifax, and TransUnion ), along with my official identity theft affidavit filed through IdentityTheft.gov. Despite this, these accounts remain on my credit reports because the creditors claim I am responsible. 

I never authorized or opened these accounts. The fraudulent accounts harming my credit file are as follows : [ XXXX  XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX ] [ XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$14000.00} ] [ XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$850.00} ] [ XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX Amount : {$17000.00} ] [ XXXX XXXX  Opened in XX/XX/XXXX ] I discovered this identity theft in XX/XX/XXXX. I have already submitted formal disputes, but the accounts were not removed. I am requesting the CFPB to investigate and ensure these fraudulent accounts are deleted from my credit reports in accordance with my rights under the Fair Credit Reporting Act ( FCRA Section 605B ). 

I am attaching my official identity theft affidavit from IdentityTheft.gov as > As further evidence that I was not living in Florida during the time the fraudulent accounts were opened, I am including my official W-2 tax forms from the years XXXX through XXXX. These documents prove that I have continuously lived and worked in the state of Georgia, and I have never resided in Florida. 

Therefore, the accounts opened in Florida are clear evidence of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XX/XX/XXXX, I identified a fraudulent credit card account from XXXX ( Account # XXXX ) that appeared on my credit report. It was the result of identity theft, and after submitting a formal dispute, the account was deleted by the credit reporting agency. 

However, in XX/XX/XXXX, the same fraudulent XXXX account was reinserted into my credit report without any written notice or legal compliance. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( B ), when a previously deleted account is reinserted : The consumer must be notified in writing within XXXX business days of the reinsertion, and The credit bureau must disclose the name, address, and phone number of the furnisher who certified the reinsertion. 

I received no such notice, and was not provided with any information about the furnisher. This is a direct violation of my rights under the FCRA and has resulted in further damage to my creditworthiness and financial stability. 



What laws were violated? 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Requires written notification and disclosure of furnisher information upon reinsertion of previously deleted data. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information they know is inaccurate or previously disputed. 
FCRA XXXX : Requires credit bureaus to block identity theft-related accounts permanently when a valid identity theft report is submitted. 
FCRA XXXX and XXXX : Provides for actual and statutory damages when reinsertion is done willfully or negligently. 



What would be a fair resolution? 
XXXX. Permanently delete the fraudulent XXXX account from all credit reports issued by Experian, XXXX, and XXXX. 
XXXX. Provide a written explanation stating : The date and reason the account was reinserted ; The name, address, and phone number of the furnisher that certified the reinsertion, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why no written notice was provided within the required XXXX business days. 
XXXX. Correct any damage to my credit score and profile caused by this reinsertion. 
XXXX. Provide written assurance that this account will not be re-reported in the future unless it is fully verified and certified under FCRA XXXX. 
XXXX. If the reinsertion was willful or negligent, I request statutory or actual damages and that the CFPB consider appropriate regulatory enforcement under FCRA XXXX and 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 2025-07-15 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:
This correspondence serves as a formal dispute of a collection entry reported on my credit file. I have never authorized or initiated the account in question and firmly assert that it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
I hereby declare that I am not responsible for the collection account recently reported under my name. I have never agreed to or benefited from the alleged account in any capacity.

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