vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I submit this complaint to report systemic violations of the Fair Credit Reporting Act ( FCRA ) and the Violence Against Women Act ( VAWA ) involving the following data brokers and consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am a participant in a VAWA / XXXX XXXX XXXXXXXX program, which legally requires the confidentiality of my residential address and identifying information. Despite this protection, the above entities have retained, used, and disseminated unauthorized addresses and identifying data, which were relied upon in credit-related reporting and inquiries within the past 18 months. 

Authorized Identifying Information EXACT AND EXCLUSIVE Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Date of Birth : XXXX No other spelling, formatting, date, or variation is authorized to appear. 

Information That Must Be REMOVED AND NOT REINSERTED All prior and alternate residential addresses Any address not designated as my XXXX XXXX XXXX address Any derivative or linked data generated from those addresses Any credit inquiries initiated using unauthorized address data Any name or DOB variations not listed above Legal Authority 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to delete inaccurate or unverifiable information 15 U.S.C. 1681b ( f ) No permissible purpose for access using unauthorized data 34 U.S.C. 12291 ( b ) ( 2 ) ( B ) Prohibition on disclosure of survivor location information Requested CFPB Action Require each named entity to permanently delete and suppress all unauthorized data Require written confirmation of non-redisclosure to any third party Enforce compliance with VAWA confidentiality protections Monitor corrective action to prevent reinsertion or re-reporting This complaint is submitted to protect my safety, privacy, and federally protected rights. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX class member. My federal student loans were legally discharged under the final settlement approval order.

Despite this, the discharged loans continue to be reported on my credit reports as active or delinquent, which is inaccurate and violates the Fair Credit Reporting Act.

I contacted the loan servicer, XXXX, and requested confirmation that the loans were discharged and removed from my credit reports. I did not receive a resolution. I also previously filed a CFPB complaint that was routed to the servicer, who stated they were not the appropriate party.

The credit bureaus continue to report the discharged debt, which has significantly lowered my credit score and is causing immediate housing denial. I have been denied multiple rental applications because of this incorrect reporting.

I am requesting immediate correction of my credit files, including deletion of the discharged student loan tradelines from all credit bureaus and confirmation that my account status reflects the legal discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ID FOR COMPLAINT SENT TO XXXX  CREDIT BUREAU 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 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I switched my cell service from XXXX to XXXX on XXXX XXXX XX/XX/XXXX. I called the XXXX XXXX XXXX agent on XX/XX/XXXX asked what my final due amount would be, I then paid the {$200.00} and was told there would be nothing due. Fast forward to today XXXX XX/XX/XXXX I just checked my XXXX XXXX and it shows that I have a collection on my account from CREDENCE RESOURCE MANAGE ( XXXX ) XXXX ) Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for the sum of {$450.00} on behalf of XXXX? I hadnt received XXXX letter email or phone call previous to this notice for collection on my XXXX  report. This is the second collections agency to falsely seek payment from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-26 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: FL

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX XXXX regarding an auto loan tradeline that reflects multiple late payments and derogatory history. 

The vehicle was voluntarily surrendered by the primary borrower without my authorization or involvement. I was listed as a XXXXXXXX on the account and did not request, approve, or participate in the surrender, nor did I have control over the vehicle once it was removed. After the surrender, I no longer had the ability to cure or prevent the reported late payments. 

I submitted a formal written dispute to XXXX XXXX XXXX requesting deletion or correction of the inaccurate late-payment reporting and specifically requested the method of verification, documentation relied upon, and confirmation of my legal responsibility for the reported delinquencies. 

XXXX responded on XX/XX/year>, stating that the account was reported correctly but did not provide any verification documents, did not identify who conducted the investigation, did not explain how my liability was determined, and did not address the fact that the surrender was initiated by XXXX  XXXX  without my consent. 

Despite being notified of the dispute and my supporting explanation, XXXX continued to report the derogatory information without conducting or demonstrating a reasonable investigation, in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). The inaccurate reporting remains on my credit report and continues to cause 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 2025-12-26 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 is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-26 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: DC

Complaint narrative:
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 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

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 2025-12-26 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: DC

Complaint narrative:
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 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

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-26 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-26 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:
Im not involved with these accounts and didnt approve their setup. Please check into this and remove them from my record. Evidence accompanies this request.

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 2025-12-26 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: TN

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 2025-12-26 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: Westlake Services, LLC
State: IL

Complaint narrative:
I am trying to purchase a home and the late payments that appears on my credit report is either closed, charged off, or up-to-date. I am requesting your goodwill consideration to remove all late payments, charge-offs, and closed accounts remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : EX 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am contacting you regarding a collection account your company is currently reporting on my consumer credit report. 

This correspondence is sent without prejudice and does not constitute an admission of liability or acknowledgment that the alleged debt is valid or mine. 

Given the age of this account, I am requesting a negotiated settlement in exchange for deletion of the account from all consumer reporting agencies. 

I am prepared to resolve this matter promptly upon receipt of written confirmation that the account will be deleted upon payment. No payment will be made absent such a written agreement. 

If your company maintains a policy that does not allow deletion of accounts, please provide a copy of that written policy or written documentation supporting your position. 

If deletion is not possible, please advise in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-26 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: PA

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 2025-12-26 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I am submitting this complaint regarding an improper force-placed homeowners insurance charge applied to my mortgage escrow account. 

In XXXX XXXX, I changed my homeowners insurance policy and promptly updated my mortgage servicer with the new insurance information. The policy was active, valid, and provided continuous coverage with no lapse at any time. 

In XX/XX/XXXX, without clearly explaining the reason or providing adequate notice, the servicer purchased a high-cost force-placed insurance policy and charged {$740.00} to my escrow account. 

I later learned that the servicer claimed the issue was a name mismatch on the insurance policy, not a lapse in coverage. This was an administrative issue only, and I subsequently corrected the policy to reflect my legal name. 

Despite providing corrected insurance documentation, the servicer did not fully reverse the force-placed insurance charges. As a result, my escrow account shows a shortage and my monthly mortgage payment increased effective XX/XX/XXXX. 

I believe this action was improper because : There was no lapse in homeowners insurance coverage The issue was an administrative name discrepancy, not lack of coverage The force-placed insurance was not timely canceled after valid insurance was provided I am requesting the following resolution : 1. Retroactive cancellation of the force-placed insurance 2. Full prorated refund of all force-placed insurance charges 3. Correction of my escrow account and recalculation of my monthly payment 4. Written confirmation of the resolution I have supporting documentation available, including insurance declarations pages and proof of coverage. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation