vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and request the deletion of multiple inaccurate addresses reported on my credit file, as the addresses and inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> was not authorized by me, and because these address are inaccurate, incomplete, and unverifiable, I am requesting that they be promptly deleted from my credit file to ensure my report reflects only accurate, complete, and authorized information, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate information and provides consumers the right to dispute and remove inaccurate 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 2025-11-27 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 submitting this follow-up complaint to formally dispute and request the deletion of multiple inaccurate addresses reported on my credit file, as the addresses and inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> was not authorized by me, and because these address are inaccurate, incomplete, and unverifiable, I am requesting that they be promptly deleted from my credit file to ensure my report reflects only accurate, complete, and authorized information, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate information and provides consumers the right to dispute and remove inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing ( Loan # XXXX ) is willfully violating my bankruptcy discharge by continuing to assess tens of thousands of dollars in illegal post-discharge fees, interest, tax advances, attorney fees, and foreclosure costs every single month. 
Personal liability on this loan was fully discharged in bankruptcy. Shellpoint has acknowledged this in writing on every statement ( " this is not an attempt to collect a debt against you '' ).

Despite this, Shellpoint is aggressively inflating the alleged balance with new illegal charges every month in an obvious attempt to coerce payment or force a higher sale price. 
Proof attached ( XX/XX/XXXX  statement vs. XX/XX/XXXX  statement ) : Reinstatement amount jumped from {$190000.00} {$230000.00} ( + {$32000.00} in 60 days ) Accelerated balance jumped from {>= $1,000,000} {>= $1,000,000} ( + {$33000.00} ) Negative escrow jumped from {$31000.00} {$51000.00} due to a new $ XXXX county tax advance on XX/XX/XXXX  Attorney fees jumped from {$3600.00} {$5600.00} Foreclosure costs jumped from {$2900.00} {$4900.00} Interest continues to accrue on discharged debt ( + {$10000.00} in 60 days ) Additional certified mail, recording, inspection, and other junk fees added monthly These charges are occurring while : A recorded lis pendens statutorily prohibits any trustee sale ( 2924g ( c ) ( 1 ) Peak Foreclosure Services has already issued a certified Notice of Postponement acknowledging the lis pendens Shellpoint knows they have no right to collect personally from me Every single new dollar is a separate willful violation of the discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ) and constitutes contempt of the bankruptcy court. 
Shellpoint is using these illegal charges to harass me, damage my credit, and artificially inflate the amount needed to resolve this loan, all while my {$5.00} XXXX property sits with {$3.00} XXXX in equity. 
I have demanded resolution multiple times ( demand letters attached ) and been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing an urgent complaint regarding XXXX repeated and unjustified account restrictions and the recent closure of my account without any notice, resulting in the loss of more than {$52000.00} of my funds. 

XXXX. Repeated Restriction Issues Without Communication For over a year, Citi repeatedly restricted my account without providing any notice. I consistently contacted customer service ( including in last XXXX, XXXX, and XXXX ), informed the bank of my oversea travel plans, and verified my identity each time. Despite this, Citi continued to restrict my account arbitrarily, never informing me in advance and never providing an explanation. 

XXXX. Account Closed Without Any Notice ; Funds Missing for Months My account was closed in XXXX without any notification, and I only discovered this months later. I received no emails, no letters, no alerts, and no communication of any kind. 
When I urgently contacted Citi, multiple departments were unable to tell me where my funds were, why my account was closed, or whether a check existed. After hours and hours of escalation, a supervisor finally claimed that a check was issued already, but I never received it, and Citi can not provide tracking, confirmation, or proof of delivery. 

XXXX. No Clear Resolution ; Extremely Urgent Financial Hardship I am facing a severe medical and financial emergency, and I urgently need access to my money to pay for basic living expenses, including housing and hospitalization. Even though the supervisor said they can mail out a new check, I can not wait weeks for another mailing attempt, nor can I accept vague answers that local branches might not be able to help or issue me a new check at the branch. ( based on others experiences, new check normally take XXXX days to arrive )

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
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Formal Dispute and Demand for Permanent Deletion of an Inaccurate XXXX XXXX Account FCRA XXXX / XXXX / XXXX ( a ) To Whom It May Concern, I am formally disputing a collection account related to XXXX, XXXX, which appears on my credit report. The information furnished is inaccurate, unverified, incomplete, and legally noncompliant, and therefore must be removed under the Fair Credit Reporting Act ( FCRA ). 

This account is being pursued by multiple debt collectors, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX Alleged Balance : {$3800.00} XXXX, XXXX XXXX XXXX ( XXXX ) Reference : XXXX Alleged Balance : {$3800.00} Both collectors are reporting the same alleged XXXX debt, with inconsistencies in information, dates, and balances. This creates multiple violations of FCRA and FDCPA. 
XXXX. The alleged XXXX debt has NOT been validated. 

Under FDCPA 15 U.S.C. 1692g ( b ), collectors must provide : A signed contract bearing my signature Full itemization Proof of ownership/assignment A complete accounting of charges Neither collector has provided legally required validation. 

2. The information furnished is inaccurate and unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information that : Is inaccurate Can not be verified Contains inconsistencies Both notices include different reference numbers, dates, and instructions a red flag of inaccurate data. 


XXXX. Duplicate collections violate FCRA and cause consumer harm. 

Reporting the same debt multiple times inflates the negative impact and violates FCRA 607 ( b ) ( maximum possible accuracy ).

4. XXXX  and its collectors have not certified accuracy.

Under FCRA 623 ( a ), furnishers must confirm accuracy before reporting. 

REQUEST FOR PERMANENT DELETION Under FCRA XXXX, I demand : Immediate reinvestigation Permanent deletion of the XXXX collection account Removal of all duplicate entries Written confirmation of deletion Copies of all documentation used in your investigation If XXXX or its collectors can not validate the debt, the account must be removed. 

If continued reporting occurs without validation, I will file further complaints with : CFPB FTC New York Attorney General Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified 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 non-monetary relief
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-27 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:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-27 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: CA

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit score is extremely important to me, yet I continue to see inaccurate and false information. This has been a recurring issue for a long time, and despite bringing it up multiple times, nothing has been corrected. It has become stressful, exhausting, and unfairly damaging to both my life and my credit score.

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 2025-11-27 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial 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 2025-11-27 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$6.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9800.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$8200.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$49000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: PA

Complaint narrative:
XX/XX/year>. Ive been noticing that my credit score before much of my debt was paid off XXXX or more. Was at XXXX. Recently Ive been monitoring it. I have been working on debt and paid off XXXX. Now my credit is XXXX. I called the credit bureau and they said it is automatically calculated. They dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
In accordnace with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
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.

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 2025-11-27 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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