vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to sign up for an Experian account, yet due to the error I couldnt do so. I tried it many times. Thus, I called the phone number shown on the error alert, but the automated system never handles my issue properly or even doesnt let me talk to a live agent despite many attempts. I managed to talk to live agents via the phone number for businesses, but they did not seem to know how I could resolve this issue or call the specialised department. As a result, Ive been unable to access my credit information for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from I C System in the amount of {$420.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer.

This is a violation of Fair Debt Collection Practices Act and harassment and abuse on my behalf also identify theft using my personal information without my permission.

This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Im having problems with them releasing funds that was from my insurance company. I have talked to numerous people and still not getting answers more details if someone call me I can explain it much better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Complaint Category : Credit Reporting Issue : Improper use of my credit report Sub-Issue : Credit reporting company provided information to someone without a permissible purpose Complaint Narrative : I am submitting this complaint due to multiple unauthorized hard inquiries that have appeared on my credit report from several financial institutions. I did not apply for credit, authorize these inquiries, or have any dealings with the companies listed. These inquiries appear to be the result of identity theft.

The following companies made unauthorized inquiries on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX T

hese inquiries were not initiated or authorized by me. I did not submit any applications or give consent for these companies to access my credit information. Their actions are a violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose and consumer authorization before a credit inquiry can be made. I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am working to correct the damage done. I am also contacting the credit reporting bureaus to place a fraud alert and request removal of the inquiries. I am requesting the CFPB assist in ensuring that these inquiries are properly investigated and removed from my credit reports. I am also requesting that the institutions listed above provide evidence of my authorization or application which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Exeter Finance, LLC.
State: AR

Complaint narrative:
Complaint Category : Credit Reporting Issue : Improper use of my credit report Sub-Issue : Credit reporting company provided information to someone without a permissible purpose Complaint Narrative : I am submitting this complaint due to multiple unauthorized hard inquiries that have appeared on my credit report from several financial institutions. I did not apply for credit, authorize these inquiries, or have any dealings with the companies listed. These inquiries appear to be the result of identity theft.

The following companies made unauthorized inquiries on my credit file : 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  EXETER FINANCE LLCXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or authorized by me. I did not submit any applications or give consent for these companies to access my credit information. Their actions are a violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose and consumer authorization before a credit inquiry can be made.

I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am working to correct the damage done. I am also contacting the credit reporting bureaus to place a fraud alert and request removal of the inquiries.

I am requesting the CFPB assist in ensuring that these inquiries are properly investigated and removed from my credit reports. I am also requesting that the institutions listed above provide evidence of my authorization or application which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Im requesting a full disclosure on all filings under all capital name and social security number under the account I believe there are a number of federal tax violations and law being broken with a demand of full disclosure which is my due process of law right I need all information demanded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
For whoever it concern all this accounts were not authorized by me, please block and remove them from my credit file and never bring them back, please is already third time I provide docs to u guys im suffering identitytheft and I can not even get the accounts away from my credit file, please again, block and remove from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
XXXX XXXX has reported that my credit score has dropped due to removal of XXXX XXXX. Contacted XXXX, who stated loans are still in forbearance and not sure why credit bureaus are showing removed as these are currently still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
XXXX XXXX has reported that my credit score has dropped due to removal of XXXX XXXX. Contacted XXXX, who stated loans are still in forbearance and not sure why credit bureaus are showing removed as these are currently still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
XXXX XXXX has reported that my credit score has dropped due to removal of XXXX XXXX. Contacted XXXX, who stated loans are still in forbearance and not sure why credit bureaus are showing removed as these are currently still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MN

Complaint narrative:
I have sent letters sent by certified mail on XX/XX/year> to the Credit Reporting agency about the accounts reporting on my credit profile. I have an electronic receipt that shows they received the letter on XX/XX/year>. By law they have 30 days to investigate and update my account. I also requested in the letter for the agency to provide how these accounts were verified and the procedure of how this was conducted. The agency re -investigated each account and marked it verified but has not provided any documentations or their Method of Verification pertaining to these accounts. Based on 15 U.S.C 1681, which is part of the Fair Credit Reporting Act ( FCRA ), the agencies are not lawfully reporting accurate information on my credit report and must provide verified documentation in the next 15 days, if not must be deleted immediately from my credit report. The accounts are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I am submitting this complaint because Equifax ( and other bureaus ) are inaccurately reporting details related to a closed and paid account with XXXX. I have disputed this information multiple times, but the errors have not been corrected. The following specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) are present : Inaccurate " last reported '' date : TransUnion and Experian correctly show the last report date as XX/XX/XXXX. However, Equifax falsely reports it as XX/XX/XXXX over three years after the account was closed and paid in full, which misleads lenders and artificially extends the accounts activity.

Inconsistent loan classification : TransUnion lists the loan as unsecured, while Experian and Equifax list it as secured, violating FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reporting.

Stale data misrepresenting current activity : The false reporting of this account as recently active creates a misleading and damaging impression on my credit file, impacting my creditworthiness and violating FCRA 605 ( a ) and 623 ( a ) ( 2 ).

I submitted a formal dispute to the credit bureaus demanding that this account be : Reported with a uniform " Date Last Reported '' of XX/XX/XXXX across all bureaus Classified accurately across all bureaus as either secured or unsecured Clearly marked as Paid in Full Closed and removed from any active status consideration Despite my written dispute and demand, the errors have not been corrected, which now constitutes a willful violation of the FCRA. I am requesting CFPBs help to enforce my rights and hold these agencies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint because Equifax ( and other bureaus ) are inaccurately reporting details related to a closed and paid account with XXXX. I have disputed this information multiple times, but the errors have not been corrected. The following specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) are present : Inaccurate " last reported '' date : TransUnion and Experian correctly show the last report date as XX/XX/XXXX. However, Equifax falsely reports it as XX/XX/XXXX over three years after the account was closed and paid in full, which misleads lenders and artificially extends the accounts activity.

Inconsistent loan classification : TransUnion lists the loan as unsecured, while Experian and Equifax list it as secured, violating FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reporting.

Stale data misrepresenting current activity : The false reporting of this account as recently active creates a misleading and damaging impression on my credit file, impacting my creditworthiness and violating FCRA 605 ( a ) and 623 ( a ) ( 2 ).

I submitted a formal dispute to the credit bureaus demanding that this account be : Reported with a uniform " Date Last Reported '' of XX/XX/XXXX across all bureaus Classified accurately across all bureaus as either secured or unsecured Clearly marked as Paid in Full Closed and removed from any active status consideration Despite my written dispute and demand, the errors have not been corrected, which now constitutes a willful violation of the FCRA. I am requesting CFPBs help to enforce my rights and hold these agencies accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I hope this message finds you well.

Im writing to respectfully request a goodwill removal of a late payment that has been reported on my credit file. According to your records, I was marked 33 days late on my [ truck lease/account number ] payment. Id like to provide some context in hopes of your understanding and support. 

I am a first responder and, during the time in question, I was battling XXXX. This greatly impacted my ability to manage certain tasks, including ensuring timely payment. However, I did make the paymentjust three days after the due dateand, more importantly, I subsequently paid off the lease in full. 

In over 12 years of financing history, I have never had a late payment. I have maintained my obligations consistently and take great pride in my financial responsibility. Unfortunately, this single reported delinquency is significantly impacting my ability to refinance my home, which is a key step in both my financial recovery and personal well-being following my illness. 

I have already submitted a certified letter along with supporting documentation showing that the payment was made, and I was recently informed that my request for removal was denied. I respectfully ask for a reconsideration of this decision under the basis of goodwill, given the extenuating health circumstances and my otherwise spotless payment history. 

I would be incredibly grateful if you could make a one-time exception and remove this late payment from my credit report. I remain committed to upholding a strong financial record and would truly appreciate your understanding and compassion in this matter. 

Thank you for your time and consideration. Please feel free to contact me if you require any additional information. 

Warm regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary 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 2025-04-14 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:
To whom it may concern, Im submitting this complaint in response to an inaccurate and unauthorized collection account still being reported on my credit file by TransUnion. I previously requested, under the FDCPA ( 15 U.S.C. 1692c ( c ) ), that the debt collector stop all communication with me. Yet, despite that clear request, they continue to report this accountsomething that directly affects my credit and financial stability. This not only violates the Fair Credit Reporting Act due to the inaccuracy, but it also disregards my dispute entirely.

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