vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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 dispute to request the removal of inaccurate and incomplete information from my Experian credit report. The following accounts are being disputed : Charged Off Accounts : XXXX XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX Positive Accounts : ( Empty ) Late Payments : XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX, Account # : 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 2025-11-10 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:
This letter serves as a formal objection to the referenced accounts. They were not created with my authorization and appear fraudulent. I respectfully request their removal and investigation. Evidence is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this formal dispute to the Consumer Financial Protection Bureau regarding multiple inaccuracies being reported by Equifax on my consumer credit file. I have made several attempts to address these errors directly through Equifaxs dispute process, but the results have been unsatisfactory and incomplete. Certain accounts appear to be either unverifiable, inaccurately reported, or improperly updated. These inaccurate entries are causing harm to my credit standing and do not reflect my true payment history or account status. I am requesting a complete reinvestigation and correction or deletion of the following disputed items in compliance with the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ), which require the maintenance of accurate and verifiable information. 


1. Charged Off Account Dispute Creditor : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2025 Balance : {$3600.00} Statement : I am disputing the accuracy of this charged-off account reported by XXXX XXXX. I do not have any record or documentation verifying this debt, and no notice of ownership or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting Equifax to investigate and remove or correct this entry if it can not be fully validated. 

2. Late Payment Reporting Dispute Accounts in Question : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Im disputing a {$34000.00} repossession being reported by CREDIT ACCEPTANCE. The account appears on all three bureaus and even shows duplicate listings with nearly identical details clear evidence of reporting errors and data-furnisher negligence. 
No proof of sale, deficiency notice, or payment breakdown has ever been provided despite multiple written disputes. This violates FCRA 609 ( a ) ( right to documentation ) and FCRA 611 ( a ) ( reasonable reinvestigation ). Reporting duplicate derogatories also breaches Metro 2 Compliance 4.3.1, which prohibits multiple entries for the same account. 
The bureaus are knowingly reporting unverified information and issuing false verified responses. You all make billions selling consumer data, yet fail to verify the information you sell. Thats not acceptable.

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 2025-11-10 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: NY

Complaint narrative:
I am writing to formally dispute certain items listed on my credit report that I believe to be inaccurate or incorrect. The following accounts and inquiries are in dispute, and I request your assistance in reviewing and resolving these issues. 
Charged-Off Accounts : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number XXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This is my third complaint against XXXX concerning inaccurate and unverified reporting of a repossessed vehicle account. 

XXXX has not provided the required Notice of Default, Right to Cure, or Notice of Sale, in violation of UCC 9-611 and 9-614. The company has also failed to produce the Retail Installment Contract, payment records, or any documentation verifying the alleged balance currently being reported to the credit bureaus. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must ensure that information furnished to consumer reporting agencies is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I acquired a mortgage with XXXX home loans { PHH } and the first payment was due on XX/XX/year>. I made my payment to XXXX in two step {$700.00} on XX/XX/year> and {$630.00} on XX/XX/year> for a total payment of XXXX. My loan was then transferred to Shellpoint mortgage on XX/XX/year> and my payment to XXXX was never credited to Shellpoint. I have contacted both companies several time and given proof of payment though phone, email, fax and shellpoint website. It has been 40 days since my first contact and still have not been credited for my payment and I am afraid of a bad credit report if it's not credited to my account. Worst of all these companies have the same parent company NEWREZ and they don't communicate with each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting several accounts that appear inaccurate, incomplete, or unverifiable. I have already disputed these directly with the credit bureaus but have not received adequate verification under the Fair Credit Reporting Act ( FCRA 609 and 611 ). 

The following accounts are currently in dispute and need to be reinvestigated and corrected or deleted : Charged Off Accounts : XXXX  XXXX, Acct : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$3200.00} XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX  XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  XXXX, Acct : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$1200.00} XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Acct : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX Acct : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$520.00} Late Payment Accounts : Multiple XXXX XXXX XXXX XXXX tradelines showing inconsistent payment reporting. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, showing duplicate and inconsistent late payment history. 

XXXX XXXX, XXXX XXXX XXXX, showing late payments inconsistent with my records.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
There was a tax levy placed on my account with Sofi Bank. They froze my account and sent {$310.00} to the Kansas Department of Revenue. The tax debt had already been paid. So the Kansas Department of Revenue said when they received the check they would just send the money to me. The issue is that the state of Kansas said they never received the money. Sofi wont cancel the payment because they said they already sent it, but the state said they only accept tax payments via check. So then sofi said they sent a check. But they cant send me proof that it has been cashed. I have been speaking with XXXX XXXX ( ( XXXX ) XXXX ) with the XXXX legal team. She said they checked everywhere and they have not received it. When I Ask for more information from Sofi they say they will have a XXXX research it and then contact me. Then the next day I get an email saying that the money was sent because of a tax levy and I need to contact the Kansas Department of Revenue if I have issues. My account has been at XXXX since they took the money over a month ago. My bills are backing up and I am getting fees. I need this resolved, but the bank wont do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My XXXX related student loans were set to be XXXX per a borrowers defense judgement. That was 11 months ago. The Mohela loan servicer customer rep told me it could take years to process. By law they don't have that long to delay. Others have posted to online forums that their loans were promptly XXXX. Mohela is just not doing their job. It is pitiful it is taking this long. I would like to know if they will ever process the discharge or if I need to explore legal action such as a class action lawsuit? I am not the only XXXX in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I wish to formally dispute the referenced accounts, as I have no affiliation with them and did not approve their creation. I request that they be reviewed and removed as appropriate. Documentation is attached for your consideration.

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 2025-11-10 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: OH

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 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 2025-11-10 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified charged-off accounts appearing on my Experian credit report. I have previously disputed these items, but Experian continues to report them without providing adequate verification. 

The accounts in question are : 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 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 XXXXXXXX Charged off XX/XX/XXXX Some of these accounts are being duplicated or contain conflicting information across bureaus. XXXX  has not provided documentation from the furnishers proving the validity, ownership, or accuracy of these items. 

I am requesting that the CFPB XXXX this issue and that Experian remove or correct these accounts in compliance with FCRA XXXX until proper verification can be provided. 

Sincerely, [ Your Full Name ] [ Your Address ] CFPB COMPLAINT STATEMENT TRANSUNION To Whom It XXXX Concern, This complaint concerns inaccurate charged-off accounts that continue to appear on my TransUnion credit report despite prior disputes. TransUnion has not provided adequate verification from the furnishers as required under the Fair Credit Reporting Act ( FCRA XXXX ). 

The disputed accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Called Fifth Third to stop XXXX draft on XXXX for payment amount of {$220.00} to XXXX XXXX. Provided information asked to stop payment agreed by phone to stop payment. Payment processed with XXXX  XXXX on XXXX while still pending with Fifth Third. Called on XXXX to see why payment processed was informed incorrect information was asked and provided to stop payment so payment was not scheduled to stop with fee still attached to no stop payment.

Company response to consumer: Closed with explanation