vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has reinserted a collection account from XXXX XXXX that does not belong to me. The account was previously removed from my credit report after verification showed it was inaccurate. 

This debt is from 2020 and is related to a business auto loan, not a personal loan I took out. It should not be appearing on my personal credit report. The same account does not appear on my XXXX XXXX XXXX reports, which further supports that it is being reported in error by Experian. 

I am requesting that the CFPB investigate Experians reinsertion of this inaccurate information and ensure that the XXXX XXXX collection account is permanently deleted 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 2025-11-06 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: TX

Complaint narrative:
Good day, After challenging these false and fraudulent accounts, I am requesting that they be deleted from XXXX. Additionally, I included an FTC in my previous dispute. After this, I shall take legal action against your company by submitting a claim in civil court in my home state of XXXX. Please look into this and delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint filed by Credit Legal Resources, LLC, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SHELLPOINT MORTGAGEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SHELLPOINT MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$490000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$34000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$950.00}

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 explanation
Consumer complaint received 2025-11-06 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: CT

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX Section XXXX and Section XXXX, I have the right to privacy and no consumer reporting agency may furnish my report without my written consent. The following hard inquiries were not authorized by me and were made without my knowledge or written instruction : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These unauthorized inquiries appear on Experian, TransUnion, and Equifax. I am requesting their immediate removal and written confirmation once deleted.

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 2025-11-06 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: FL

Complaint narrative:
I don't recognize this company i never used or placed any contract or deal whit this company, this account appear as CHANGE OFF on my name for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I don't recognize this company i never used or placed any contract or deal whit this company, this account appear as CHANGE OFF on my name for XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 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: AR

Complaint narrative:
I am submitting to formally request a reinvestigation of multiple items on my credit report that I believe may be inaccurate, incomplete, or unverifiable. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to maintain procedures to ensure the maximum possible accuracy of the information reported and to promptly investigate any disputed information.

ACCOUNT INCLUDED IN BANKRUPTCY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX * * * * * Balance XXXX {$0.00} Chapter XXXX Bankruptcy Court : XXXX XXXX XXXX XXXX XXXX XXXX Reference # : 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 2025-11-06 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 am submitting to formally request a reinvestigation of multiple items on my credit report that I believe may be inaccurate, incomplete, or unverifiable. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to maintain procedures to ensure the maximum possible accuracy of the information reported and to promptly investigate any disputed information.

ACCOUNT INCLUDED IN BANKRUPTCY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX * * * * * Balance XXXX {$0.00} Chapter XXXX Bankruptcy Court : XXXX XXXX XXXX XXXX XXXX XXXX Reference # : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank withdrew all funds from my checking account without prior notice or warning, citing a right of offset for a supposed debt from either XXXX or XXXX. I was unaware of any active debt or obligation with PNC, and no communication or verification was provided before this action. 

This sudden withdrawal of {$330.00} caused an immediate financial hardship, leaving me with no money for rent, food, or essential bills. When I contacted the bank, I was told they could take the money at any time and that my only option was to apply for a loan, which they know I would not qualify for due to my credit. 

I am requesting a full investigation into this action, reversal or reimbursement of the funds, and verification of any alleged debt. I also request that PNC implement fair notice procedures for future offsets, as this practice leaves consumers vulnerable to serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
After reviewing my Experian credit report, I discovered several accounts that continue to be reported inaccurately and without proper validation, even after multiple prior disputes. These accounts include items from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Each furnisher has failed to provide documentation proving the validity, ownership, and balance of the debts they are reporting. Experian continues to verify these accounts without providing any proof of investigation or evidence from the furnishers. 

For example, XXXX XXXX XXXX and XXXXXXXX XXXX are both reporting collection accounts without supplying proof of ownership or a chain of assignment from the original creditors, which is required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). XXXXXXXX XXXX  and XXXX XXXXXXXX are reporting inconsistent charge-off balances that change between updates, violating the accuracy requirement under the Fair Credit Reporting Act ( FCRA 607 ( b ) ). Additionally, there are multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  , and XXXX XXXX XXXX XXXXhat were never initiated or consented to. These inquiries appear to have been made without a permissible purpose under FCRA 604 ( a ) ( 2 ).

I have already disputed these accounts directly with Experian multiple times, but the bureau has continued to verify these inaccurate items without providing any proof of how or with whom the information was confirmed. This continued failure to conduct a proper reinvestigation and provide validation is a violation of both FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). These errors have significantly harmed my credit standing and demonstrate ongoing noncompliance by both Experian and the furnishers.

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 2025-11-06 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: NC

Complaint narrative:
To Whom It May Concern, this is a formal complaint against the inaccurate and unauthorized reporting of certain items on my credit profile which have caused significant damage to my creditworthiness and violated multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate investigation, deletion, and written confirmation of the results in compliance with the law. The following items are being disputed. 

XXXX XXXX XX/XX/year> This inquiry was not authorized by me, nor was any credit application submitted to warrant them. According to FCRA 604 ( A ) ( 3 ), a consumer reporting agency may only furnish a consumer report with permissible purpose and consumer consent. This inquiry was done without my knowledge or approval and constitute an invasion of privacy and a willful violation under FCRA 616 and 617. Remove this unauthorized inquiry immediately, as they negatively impact my creditworthiness and violate my rights under federal law.

These inaccurate items have collectively caused severe harm to my credit profile, impacting my ability to obtain fair credit opportunities, loans, and housing. Under FCRA 611 ( a ) ( 5 ), the agencies must delete or correct any item found to be inaccurate or unverifiable. I am demanding immediate investigation and removal of the above-listed accounts and inquiries from my report. Continued noncompliance will compel me to pursue further legal and regulatory actions to protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$310.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX debt from dentist office and they sold the debt LVNV and now that company is garnishing my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid XXXX {$1100.00} with my JP Morgan Chase checking account ending in XXXX. The reservation was originally scheduled from XXXX XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX several issues occurred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After police reports were made on XX/XX/XXXX, I left the property on XX/XX/XXXX. I after I got to a safe place, I made a request for a full refund to be issued because of such a tragic and traumatic experience. My reservation was cut from XXXX XXXX - XXXX XXXX to XXXX XXXX to XXXX XXXX. I was refunded by the host {$510.00} on XXXX XXXX when the cancellation was initiated by me through XXXX to host. The host promptly accepted my cancellation hence part XXXX of the refund was initiated promptly. The remainder {$620.00} required an investigation by XXXX which took a week from XX/XX/XXXX. That refund was issued on XX/XX/XXXX. Each time I call XXXX  XXXX  reissue the refund and promise the processing and to check with my Bank. Its almost like they are reading a script. Each time I check- in with Chase bank, they have no pending transactions processed from the account ending in XXXX. The dates this refund has been initiated are : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Now that they are saying the new XXXX is XX/XX/XXXX. I can not wait that long as its already been XXXX month. 

I filed a Regulation XXXX Claim with Chase on XX/XX/XXXX with receipts from XXXX regarding the refund. On XXXX XXXX they said Claim # XXXX is not something they are able to process. They advised me to solve the issue directly with the merchant who is refusing to give me the refund. On XXXX Chase responded to my complaint on this platform saying they never received any claims which is disingenuous as they responded to my secure message on their own platform saying they couldn't help. But on this platform they never got the claim. Make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian claims that theyve properly investigated a dispute I placed multiple times regarding incorrect information from XXXX XXXX XXXX My credit report shows incorrect information listed from XXXX XXXX . 
The amount was discharged in XXXX in XXXX XXXX Bankruptcy. 

I joined the military in XX/XX/XXXX. XXXX XXXX XXXX does not lend to XXXX XXXX service members as it violates the SCRA. 

Experian is reporting that as of XX/XX/XXXX, my payment for a closed account was 30 days past due, which is impossible since Ive been in the military prior and XXXX XXXX XXXX informed me when inquiring about a potential loan that they do not lend to XXXX XXXX. 

Experian also reports that as of XX/XX/XXXX that this account was charged off and was in collections in XXXX and XXXX of XXXX, times that I was still unable to get financial assistance from XXXX XXXX XXXX XXXX, also without receiving any notices of any debt collection. 

I requested Experian to dispute this information and it came back with even more inaccurate information that has negatively impacted my credit score. I do not believe and accurate investigation was completed on Experians part.

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 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
I had established service with XXXX for XXXX phones in approximately 2019. XXXX was bought out by XXXX. Customers were directed to start payingXX/XX/XXXX for their service and phone payments. I was on a plan to pay for purchase of phones with XXXX. I paid all of those payments and a few extra I found out to XX/XX/XXXX Because when they bought XXXX you had to tell them again you wanted to pay to buy the phones although that was already the legal agreement I had with XXXX and was never informed of such a needed action. When those phones were paid off, I turned them in and went to another provider. However, XXXX then said I owed them for the phones that they told me to continue paying to XX/XX/XXXXafter they were bought and put it on my credit record. I have tried several times to have this removed from XX/XX/XXXX with XXXX response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I refinance my auto loan in mid XXXX and got a new contract... Contract showed first payment in XXXX assuming a month after consolidating... Somehow I was not made aware that a payment was needed for XXXX from previous contract still... Now have a late payment that has sunk my credit score in the midst of trying to get into a new house .. Talked to bank and they said they understood the confusion and would help but I needed to file a complaint with credit bureau first... Have tried multiple times over a few months and still no real I formation..

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 monetary relief