vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-10-16 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: Checkr, Inc
State: AL

Complaint narrative:
I was deactivated from my XXXX XXXX XXXX  account due to a motor vehicle accident that occurred in XX/XX/XXXX, which was before I ever applied or began working with XXXX. 

I was never sent a pre-adverse action notice, or final adverse action notice, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( b ) ( 3 ) ). 

XXXX allowed me to apply and drive for over a year after the accident, then suddenly deactivated my account in XX/XX/XXXX without warning or explanation. 

I contacted both XXXX an

d Checkr and confirmed I never received any written or email notification regarding this action. This sudden deactivation without notice has caused financial harm and appears to violate the FCRAs pre-adverse action requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XXXX, XXXX XXXX. I came home saw a notice from the marshals officer was slide to the side of my door and when I look at a summons from XXXX XXXX XXXX that I was being sued for total amount of {$15000.00} cleaning that I owed to them.

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 2025-10-16 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: WI

Complaint narrative:
Upon checking my TransUnion credit report, I found some damaging accounts that need to be removed as they do not belong to me. The first account is XXXX XXXX XXXX, reflecting a balance of {$3200.00}. This account does not belong to me. The second account is XXXX XXXX  reflecting a balance of {$240.00}

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 non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
To : Experian Dispute Department Email : XXXXexperian.com Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal or correction of several accounts appearing on my Experian credit report that do not belong to me or have been inaccurately reported. These entries are fraudulent or incorrect and have negatively affected my credit standing. Please find below the details of the disputed accounts : Closed Accounts XXXX  Amount : {$200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Account not authorized or recognized. Incorrectly reported on my Experian credit report. 
XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Fraudulent or inaccurate reporting of missed payments not associated with me. 
XXXX XXXX XXXX XXXX : {$10000.00} Date Opened : XX/XX/XXXX Reason for Dispute : Fraudulent collection account. Not authorized or associated with me. 
Fair Resolution Requested Conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
Remove or correct all inaccurate and fraudulent information listed above. 
Provide written confirmation once all necessary updates are made.

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 2025-10-16 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: GA

Complaint narrative:
This account is not mine and is being reported inaccurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
I am filing this complaint because multiple accounts and inquiries are being reported on my credit report that are not mine, not verifiable, and not attached to my most current address. I have disputed these accounts directly with all three credit bureaus ( Equifax, Experian, and TransUnion ) multiple times, but they continue to report these inaccurate items without providing proper validation or evidence. 

The disputed accounts include, but are not limited to : XXXX XXXX unauthorized inquiry and account XXXX XXXX  unverified and inaccurate account XXXX XXXX unverified and inaccurate accounts XXXX XXXX XXXX  unverified account and unauthorized inquiry These items are tied to old addresses that I no longer reside at, yet the bureaus have continued reporting them despite my request for verification under FCRA 611 ( a ). The credit bureaus have failed to perform a reasonable reinvestigation, have not provided proper documentation bearing my signature, and have continued publishing inaccurate information in violation of FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ( 1 ).

I am requesting the CFPBs assistance to ensure that the credit bureaus remove these unverifiable and inaccurate accounts and inquiries immediately, and confirm that all information being reported is accurate, current, and verifiable under federal law.

Supporting documentation, including my updated dispute letters and proof of address, are attached for reference.

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 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my previous submission about inaccuracies on my credit report. Despite my prior complaint, my file continues to show incorrect personal information, including the name XXXX XXXX XXXX and addresses XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX, TN XXXX, none of which are accurate. These violations continue under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) .Closed accounts, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, still report late payments despite XXXX balances. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remains listed as a charged-off account with a {$0.00} balance, and XXXXXXXX XXXX XXXX XXXX continues to show a repossession with a {$6300.00} balance. These entries are inaccurate and unverifiable under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Unauthorized inquiries, including XXXX on XX/XX/year>, remain on my report without my consent, violating FCRA 604 ( a ) ( 3 ).

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 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
This complaint supplements and escalates my prior CFPB complaint # XXXX against Shellpoint Mortgage Servicing XXXX Despite submitting a complete Borrower Assistance Application and hardship documentation on XX/XX/year>, Shellpoint failed to acknowledge receipt until XXXX and issued a vague denial without explanation. I submitted a full escalation packet on XX/XX/year>, including a formal response letter, timeline tracker, and supporting documents. Shellpoint has not provided a formal denial notice or underwriting rationale. I respectfully request supervisory review of Shellpoints servicing conduct and reconsideration of my mortgage assistance application.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute and request correction of the inaccurate personal information currently listed on my credit report. After reviewing my credit file, I found that certain personal identifiers are incorrect or outdated. Please remove all inaccurate and unverifiable information, including any variations or misspellings of my name, old or incorrect addresses, and any other personal details that do not belong to me. Kindly update my credit file to reflect my true and current personal information as follows : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - XXXX XXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX - XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX - XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX - XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my previous submission concerning Experian, Equifax, and TransUnion. Despite my earlier disputes, these bureaus continue to report inaccurate personal information, unverifiable charge-off accounts, misleading collections, and unauthorized inquiries, all of which violate the Fair Credit Reporting Act ( FCRA ) .Personal identifiers, including outdated addresses such as XXXX XXXX XXXX XXXX XXXX TN XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX TN XXXX XXXX remain on my reports. XXXX, XXXX, XXXX, XXXX ( {$900.00} ), and XXXX ( {$1000.00} ) charge-offs are still listed without proper verification or IRS Form 1099-C where required. Collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX continue to reflect inaccurate balances or unverifiable statuses. Unauthorized inquiries, such as XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ), remain despite lacking permissible purpose.These continued reporting errors violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 604 ( a ) ( 3 ), and 605B, and are harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 this letter as a formal written dispute regarding an inaccurately reported charge-off account on my TransUnion credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00}

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 2025-10-16 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 this letter as a formal written dispute regarding an inaccurately reported charge-off account on my TransUnion credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my previous submission concerning Experian, Equifax, and TransUnion. Despite my earlier disputes, these bureaus continue to report inaccurate personal information, unverifiable charge-off accounts, misleading collections, and unauthorized inquiries, all of which violate the Fair Credit Reporting Act ( FCRA ) .Personal identifiers, including outdated addresses such as XXXX XXXX XXXX XXXX XXXX TN XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX TN XXXX XXXX remain on my reports. XXXX, XXXX, XXXX, XXXX ( {$900.00} ), and XXXX ( {$1000.00} ) charge-offs are still listed without proper verification or IRS Form 1099-C where required. Collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX continue to reflect inaccurate balances or unverifiable statuses. Unauthorized inquiries, such as XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ), remain despite lacking permissible purpose.These continued reporting errors violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 604 ( a ) ( 3 ), and 605B, and are harming my credit profile.

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 2025-10-16 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I filed credit report disputes through Credit Karma, which submitted them to TransUnion on XX/XX/year>. The disputes involve the following accounts : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX As of today, it has been well over 30 days, and the disputes still show as In Review on Credit Karma. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to complete investigations within 30 days and provide the results. 

I have not received any updates, resolution, or investigation results from XXXX Im requesting that the CFPB investigate why TransUnion has not completed my dispute review within the required timeframe and ensure that my disputes are properly resolved and 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 2025-10-16 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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