vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-09-05 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: TX

Complaint narrative:
I am submitting a complaint regarding an erroneous account reported on my credit reports by TransUnion, Experian, and Equifax. When I contacted XXXX XXXX XXXX directly, I was informed that this account is a timeshare, not a mortgage. The account type listed on my credit reports is therefore incorrect. I never opened, held, or authorized an account with this creditor. The payment history reported on my credit reports is inaccurate. This account was closed in XXXX, yet payment history continues to show late payments ( up to 120 days past due ) as recently as XX/XX/XXXX. This is an inaccurate and misleading representation of my credit. This erroneous account has negatively affected my credit scores and may have implications for my ability to obtain credit.

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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Sometime prior to XX/XX/year>, Shellpoint Mortgage Servicing received an insurance policy for a property address that was not mine, with a Name Insured that was not mine and added it to my escrow account. They updated their records to reflect this new insurance policy and made an insurance disbursement from my escrow account to the new company. I did not receive any notifications of this change until XX/XX/year>. Shellpoint changed my insurance policy in my account without my consent, and paid the premium from my escrow despite the policy not matching any details for my property. When I spoke with a rep from Shellpoint 's Insurance department I was first told, they had corrected the issue and I could disregard the letters I had received. I looked in the online portal and found the wrong insurance company listed with a policy number. 
There was absolutely no due diligence in receiving or confirming this insurance policy. When asked, the Shellpoint rep freely gave me the name of the insured party on the incorrect policy.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Account Number XXXX Dear Solution Receivable Management, I am writing to dispute the debt associated with the above-mentioned account and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Illinois law . Under Illinois law, a debt collector must provide sufficient evidence to prove the validity of the debt ( XXXX XXXX XXXXXXXX ). As seen in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ( XXXX ) XXXX ), debt collectors must adhere to strict standards when collecting debts. 

Specifically, I request : XXXX. An Account Validation Letter ( XXXX ) that includes the original contract, account statements, and proof of assignment of debt. ( XXXX XXXX XXXX  XXXX ) XXXX. A properly completed and executed XXXX XXXX XXXX XXXX ( XXXX ) form to ensure accurate credit reporting. 
XXXX. Documentation proving the accuracy of the amount due, including any fees or charges applied to the account. 
XXXX. Proof of ownership of the debt, demonstrating that XXXX XXXX XXXX has the authority to collect the debt, as required by XXXX filings and Illinois law XXXX 

Furthermore, I request that you immediately cease and desist all collection activities, including phone calls, letters, and credit reporting, until you provide the requested documentation and validation of the debt. Failure to comply with this request may be considered a violation of the FDCPA and Illinois law. 

Thank you for your attention to this matter, as I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

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 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
b'Experian reported me under the wrong name tied to my Social Security Number, which caused inaccurate and harmful information to appear on my credit file.  \n                                                                                                                                       On XXXX XXXX XXXX, I obtained a copy of my Experian credit report. The report was prepared for XXXX XXXX and listed XXXX XXXX XXXX as an alias. My full legal name is XXXX XXXX XXXX XXXX. I have never legally been known as XXXX XXXX or XXXX XXXX XXXX.\n\nExperian authenticated me using my Social Security Number to release this report, yet still issued it under incorrect names. This violates FCRA  607(b), which requires reasonable procedures to assure maximum possible accuracy.\n\nBecause of this foundational error, numerous negative accounts and collections that do not belong to me have been wrongly attached to my file. These accounts are the direct result of Experians failure to maintain accurate personal information and clearly belong to a different individual. I sent a formal dispute letter by certified mail on XXXX XXXX XXXX (Tracking XXXX XXXX XXXX XXXX XXXX XXXX).\n\nThis misidentification has caused financial harm, reputational damage, and emotional distress, and has interfered with my ability to access credit, manage my affairs, and maintain financial stability. These consequences are ongoing and directly attributable to Experians failure to correct the error.'

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 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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/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 2025-09-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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/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 2025-09-05 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: OH

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/year> -- {$0.00} INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XXXX * * * *, XX/XX/year>, XX/XX/year> Account Name : 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, INQUIRY, INQUIRY This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages.

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file.

Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ).

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited {$260.00} into my Credit Karma spend account so I could pay my car registration online. My registration was {$230.00}. I tried 4 times online to make the payment and the bank declined it every time. I called Credit Karma bank and nobody knew why it was being declined. The lady told me to make the payment directly out of my account with my bank account and routing numbers. It worked when I did that and I got a confirmation number for the payment. A day or XXXX later I was informed by the bank my payment didnt go thru to the dmv XXXX They took the {$230.00} out of my account and the XXXX sent me my new registration and stickers. When the bank said the payment didnt go thru I asked where my money went for the payment and they said they would need a day or XXXX to reverse it back to my account. I have been calling and speaking with customer service and their supervisors since I was informed my payment didnt go thru and nobody will give me an answer as to why they declined it the first XXXX times or what happened to my transaction when they let it go thru then reversed it. Ive been hung up on XXXX or 3 times by different people at Credit Karma bank. It took them a few extra days when they said they reversed it to be put back into my account. They have since froze my account I found out when I called today and I got hung up on when I try to talk and get it cleared up today again as well. I received a letter in the mail from the XXXX saying my payment was not honored by the bank and now I have all sorts of fees added to my now unpaid registration for the amount of XXXX up from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
On XX/XX/XXXX I filed a dispute with the credit reporting agencies ( TransUnion and Experian ) but it was denied. I supposed I did not put enough detail, or the report may have been overlooked. I filed another dispute with the credit reporting agencies on XX/XX/XXXX describing with greater detail. TransUnion shows that the account status for XX/XX/XXXX was 120 days late and XX/XX/XXXX was charged off. This does not match up with Experian 's report, showing XX/XX/XXXX was 150 days late and XX/XX/XXXX was not reported. This account being " XXXX XXXX '' and has been charged off with the balance of {$940.00}, therefore the balance should show {$0.00}, but it says there is a balance of {$940.00} still reporting. I requested a copy of the XXXX for the XXXX XXXX account. This account should be closed because of the above information. The letters I attached were sent on 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 2025-09-05 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: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the credit reporting agencies ( TransUnion and Experian ) but it was denied. I supposed I did not put enough detail, or the report may have been overlooked. I filed another dispute with the credit reporting agencies on XX/XX/XXXX describing with greater detail. TransUnion shows that the account status for XX/XX/XXXX was 120 days late and XX/XX/XXXX was charged off. This does not match up with Experian 's report, showing XX/XX/XXXX was 150 days late and XX/XX/XXXX was not reported. This account being " XXXX XXXX '' and has been charged off with the balance of {$940.00}, therefore the balance should show {$0.00}, but it says there is a balance of {$940.00} still reporting. I requested a copy of the XXXX for the XXXX XXXX account. This account should be closed because of the above information. The letters I attached were sent on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IN

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 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because my credit reports contain multiple tradelines that are being reported inaccurately, inconsistently, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: eToro USA LLC
State: NY

Complaint narrative:
Back in XXXX I opened a investing account with etoro, at the time they stated they did not support people in New York to have any account however my account passed the security check, however the address was incorrect they system should have picked up on it, however I had the account for XXXX years investing In XXXX XXXX the XXXX currency, when my account was in the negative balance of XXXX XXXX dollars they closed my account and stated my address was incorrect New York so they had to close my account, they closed all my positions and I lost XXXX XXXX dollars because of there security system let my account go through for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

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 explanation