vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-09 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The mortgage loan matured, but excess escrow balance was never returned to me plus an overpayment was never returned

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 2025-05-09 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-09 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: TX

Complaint narrative:
Considering I never gave consent for these fraudulent accounts to be opened, I ask that they be deleted from my credit report. Kindly fix this mistake right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
It's started when I opened an account through Huntington bank. First, I had to stop in to a branch because they froze my card XXXX times due to my phone number not being verified. The third time the ladies in XXXX, MN.... explained to me that they had like XXXX phone numbers in my account. She read them off and they were phone numbers from XXXX plus years prior to me opening this account. So right there something wasn't right, because I had only XXXX phone number that I put on my account. After this, I lost my job partly to having to go to the bank for a second time that same day. Then I started another job in which thus job had let me go so to me losing my phone because I didn't have the funds right away. So that same Monday, ( XX/XX/XXXX ) I had googled Huntington bank to deposit my check. It brought me to XXXX, MN. It was only an ATM. But I did t have gas or a phone to find the nearest branch. So I proceeded to deposit it, only to find out they put a hold on it for XXXX days .. this is ridiculous. My account was over 30 days old, but unfortunate was XXXX XXXX XXXX. due to the gas pump not stopping when I was putting my last few dollars in. 

I have missed out on XXXX job opportunities, my phone is now requesting XXXX to be turned back on, as to where it was only XXXX in the first days of this issue I'm having with the bank. 

So Friday XX/XX/XXXX I called again from an app from my phone XXXX  again I don't have phone service.... And the guys tell me that I have to go to the branch because they can't verify my phone number because he needs to send my phone to code and my phone is still off..... 

I am livid with this nonsense that's only causing me further issues instead of just making my XXXX dollars available after XXXX days of nonsense ( of my own hard earned money )

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: World Acceptance Corporation
State: IL

Complaint narrative:
Work finance is reporting twice on my credit with different balances on both. I have requested proof of verification through XXXX  which I never received, but XXXX  keeps updating my account as verified after I report identity theft and requested a credit freeze .. I have been disputing this for three to four years with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I have no knowledge of this debt. I owed no money after leaving any communications company.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYSTEM regarding an account I have with them XXXX * * * * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX * * * * * * * Balance Owed : {$3200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFERSON CAPITAL SYSTEM but to no avail.

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

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against RENTRECOVERYSOLUTIONS regarding an account I have with them XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : RENTRECOVERYSOLUTIONS XXXX * XXXX XXXX : {$350.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with RENTRECOVERYSOLUTIONS but to no avail.

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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

Complaint narrative:
Subject : Request for Immediate Reinvestigation of Inaccurate Credit Reporting Account XXXX XXXX XXXXXXXX I am writing to formally dispute the accuracy of the above-referenced account, which still appears on my credit report despite your prior investigation. I maintain that this account contains inaccurate and harmful information that is negatively affecting my credit score.

In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( 1681i ), I am requesting an immediate reinvestigation of this matter.

Please provide the names and business addresses of each individual or entity with whom you verified the disputed information. I intend to follow up with them directly. 

Upon completion of your reinvestigation, please update my credit report to reflect the accurate and verified information.

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 2025-05-09 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: OH

Complaint narrative:
after checking my credit report i found that there were errors on my credit report i have never been late on this account and they are reporting XXXX different late payments i have asked for the bank statements and dates that the money i paid was credited to my account and they did not give me them the bank at question is XXXX Bank the account number is XXXX the dates at question is XX/XX/year> and XX/XX/year>

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

Complaint narrative:
I am submitting this complaint regarding the XXXX XXXX account issued by XXXX XXXX XXXX  that is being inaccurately reported to Experian. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. 

Issues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once.

The account shows good standing before jumping to 90+ day delinquencies, which is factually impossible within a 30-day billing cycle.

The information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failu
re to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.

I am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with 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 2025-05-09 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:
I am submitting this complaint regarding the XXXX XXXX account issued by XXXX XXXX Bank that is being inaccurately reported to XXXX. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. 

Issues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. 

The account shows good standing before jumping to XXXX day delinquencies, which is factually impossible within a XXXX billing cycle. 

The information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA XXXX ( b ) failure to ensure maximum possible accuracy ; FCRA XXXX failure to reasonably investigate disputes ; FCRA XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. 

I am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WestGen Lending, a DBA of Beckam Funding
State: GA

Complaint narrative:
My house was up for foreclosure. I received a reinstatement letter from XXXX XXXX XXXX disclosing the amount and fees that needed to be paid. i wire the money and it was sent back. A mistake from law firm and genway mortgage. I sent again and they received the full amount. i also called genway home mortgage and padgett law firm confirming the wiring and receiving of the total amount of funds do. Now after i paid there are close to {$3000.00} additional charges added to my mortgage account that i was not told about not given amounts or reasons for the additional charges. I have phone recordings, emails and physical letter stating the correct amounts. The law firm secretary made XXXX remarks towards me which i have full conversation recorded. She further hindered me by not letting me escalate the call to higher management. Also my phone was blocked in way to when i call instead of getting a live person now it go to an answering machine. I requested several call backs and havent yet received XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe that these accounts are fraudulent and have no association to them. I ask for them to be removed from my credit record right away and that a thorough investigation be conducted. Supporting documentation is enclosed.

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 2025-05-09 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: FL

Complaint narrative:
To Whom it May Concern : This letter is a follow up to my original letter dated XX/XX/year> and received by you an, regarding an tras your credit reporting, regarding the entry being reported under Capital XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately Be tunne teal lace septing if represent a tear deline eror a your seporting. 
what I a making a final goodwill attempt to have you clear up this matter. The listed item is entirely aising a careful record of my communications with you for the purpose of tiling a complaint with the r violated federal law, by not properly investigating within the required timeframe, and I have d via XXXX, with a new credit report showing the afore-mentioned account deleted from my credit file. 
P.S. If neoded, I will also provide a copy of this letter to the organization, Ce : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief