vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PR

Complaint narrative:
I am disputing inaccurate credit reporting by MOHELA for my federally serviced student loan opened on XX/XX/XXXX, with a current balance of approximately {$3500.00}. 

My XXXX  report shows multiple months coded as XXXX  ( No Data ) around reported XXXX, XXXX, and XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This pattern reflects incomplete and inconsistent furnishing. 

Under the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) and XXXX XXXX continuity standards, furnishers must provide accurate and complete monthly data. The XXXX  gaps make the alleged delinquencies unverifiable. 

I request a full reinvestigation and that MOHELA either delete these derogatory entries or correct the account to reflect its deferred/current status. If MOHELA intends to maintain the late reporting, please provide contemporaneous records supporting the delinquency timeline.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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:
I am disputing the XXXX XXXX lease tradeline being reported by Experian. The account is a terminated lease that is still showing as Full Termination/Balance Owing and over 120 days past due. This is inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

On multiple occasions, I mailed certified dispute and Method of Verification ( MOV ) requests to Experian requesting documentation verifying the accuracy of this account, including the end-of-lease statement, deficiency balance breakdown, and Date of First Delinquency ( DOFD ). I have not received any written verification or supporting documentation. 

Reporting a terminated lease as an active delinquency misrepresents my payment history and violates FCRA 611 ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information, and 611 ( a ) ( 7 ), which requires the bureau to provide a written description of the verification procedure.

I am requesting that the CFPB require Experian to either : Delete the XXXX XXXX tradeline as unverifiable ; or Provide full documentation showing how the account was verified and correct the reporting to reflect a terminated lease, not an active delinquency.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following accounts reported by Equifax as inaccurate and/or incomplete. I request an investigation to determine the accuracy of these accounts. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX AUTO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I submitted my identity theft report to XXXX  and XXXX  and they responded saying it was verified to be my debt. I have been in prison while these accounts were open. I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: DE

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Trans Union, Equifax, and Experian Subject : Credit Report Dispute XXXX ( Account No. XXXX ) Dear CFPB I am writing to dispute the accuracy and completeness of information reported under XXXX, account number XXXX, on my credit report.

The account is listed as Charged Off with a {$1500.00} balance and continues to report as delinquent every month since early XXXX. This reporting appears inaccurate and misleading, and I request a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611.

Reasons for Dispute : 1. The repeated charge-off reporting across multiple years is not compliant with FCRA standards . Once an account is charged off, it can not continue to be reported as newly charged off each month.

2. The account balance and status information appear inconsistent the original balance is not listed, and the charge-off date conflicts with the ongoing past due updates through XX/XX/XXXX. 
3. I have not received verifiable documentation showing this debts validity, ownership, or any lawful collection authority.

I am requesting that the credit bureau : Verify the accuracy and legitimacy of this account with full documentation from the furnisher ( XXXX ), including account statements and signed loan agreements ; or Delete the account entirely if the information can not be verified as accurate and complete.

Please complete your reinvestigation and provide me with written confirmation of your findings and any resulting changes to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Trans Union, Equifax, and Experian Subject : Credit Report Dispute XXXX ( Account No. XXXX ) Dear CFPB I am writing to dispute the accuracy and completeness of information reported under XXXX, account number XXXX, on my credit report.

The account is listed as Charged Off with a {$1500.00} balance and continues to report as delinquent every month since early XXXX. This reporting appears inaccurate and misleading, and I request a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611.

Reasons for Dispute : 1. The repeated charge-off reporting across multiple years is not compliant with FCRA standards . Once an account is charged off, it can not continue to be reported as newly charged off each month.

2. The account balance and status information appear inconsistent the original balance is not listed, and the charge-off date conflicts with the ongoing past due updates through XX/XX/XXXX. 
3. I have not received verifiable documentation showing this debts validity, ownership, or any lawful collection authority.

I am requesting that the credit bureau : Verify the accuracy and legitimacy of this account with full documentation from the furnisher ( XXXX ), including account statements and signed loan agreements ; or Delete the account entirely if the information can not be verified as accurate and complete.

Please complete your reinvestigation and provide me with written confirmation of your findings and any resulting changes to my credit report.

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 2025-11-12 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: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays claims that on XX/XX/year>, I made a transfer from my account into a XXXX account in the amount of {$2700.00}. I have made numerous calls to Barclays to resolve this and to get them to investigate this fraudulent charge. They have continued to send me statements for this charge adding late payment dues every time. After making numerous phone calls to Barclays, I hired an attorney to write Barclays a letter stating that it was a fraudulent charge and they needed to drop the case. Since then, I have gotten numerous phone calls from Barclays and at some point I asked them to stop calling me because it was getting to the point of being harrassnent. 
After my attorney wrote the letter to Barclays, they acknowledged that he was now representing me. They then started sending my bill to his law firm, and not to him specifically, and my bill and personal information was passed all around the law firm trying to figure out who it belonged to. He then sent a letter to them stating that they had broken the law by sending my personal information to the law firm and not specifically to him. 
Of XX/XX/year>, they sent another letter to me stating they had completed their investigation ( second time they opened an claim adn investigated it ) and had determined the activity was valid, because I had benefited from the purchase. Like I said before, I have never had a XXXX account. 
On that same day, they sent me a letter with a list of consumer reporting agencies for me to contact. Not only has my credit report been compromised, I am now getting numerous phone calls from consumer reporting agencies that were AI calls I consider to be harassment. 
As well, they have twice sent my bill to my attorneys office and again, it was circulated around the whole office. I have not tried calling Barclays in the last few months and refused to pay something that was fraudulent.

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 2025-11-12 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

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 2025-11-12 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
On XX/XX/25 Shellpoint is not answering the phone calls made prior to XXXX even though their account help pages say phone lines are open a few hours later than that. Live chat was down as it seems to mostly, if not always be. My mortgage changed hands from XXXX XXXX to XXXX to Newrez to Shellpoint rapidly the last couple of years. XXXX Newrez/ Shellpoint appear to be the same conglomerate that buys up mortgages and changes hands in an attempt to foreclose and acquire properties. IF, and that is a big IF, you get someone on the phone they will ignore your request for help and instead deflect you to XXXX. phone numbers. XX/XX/25 the last number I was given from the " debt collector '' was for an online conference call that was inactive- ( 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 2025-11-12 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: MS

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am disputing the validity of a debt reported by XXXX XXXX ( XXXX XXXX XXXX ) that appears on my TransUnion credit report. I have prepared and am submitting a formal Debt Validation Request to ensure the debt is fully verified and legally substantiated before any further reporting or collection activity continues. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion must ensure that all information it reports is accurate and verifiable. Until full, specific, and verifiable validation is providedincluding proof of the original signed contract, full chain of title, and complete itemization of the debtI request that TransUnion suspend any reporting or updating of this account. 
If TransUnion or the furnisher can not provide full validation within the required time frame, this account should be deleted entirely from my credit report in accordance with the FCRA ( 15 U.S.C. 1681 ).

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 2025-11-12 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: UT

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
Experian violated the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). I submitted a dispute XX/XX/year> and then also mailed a letter to request a description of how the reinvestigation was conducted for an inaccurate tradeline on XX/XX/year> XXXX ACCT # XXXX reported for a balance of {$1700.00}. and provided supporting evidence. Experian received my dispute but failed to : ( 1 ) conduct a reasonable reinvestigation within 30 days [ 611 ( a ) ( 1 ) ] ; ( 2 ) provide written results of the reinvestigation [ 611 ( a ) ( 6 ) ( A ) ] ; and ( 3 ) furnish the Method of Verification I requested [ 611 ( a ) ( 6 ) ( B ) ( iii ) ]. Description of reinvestigation procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I did not receive the requested description of how the reinvestigation and in addition, Experian did not complete their investigation based on the note they added to my dispute results or took into account the evidence I submitted to prove the fraudulent charges. 
This is a willful and negligent violation causing continued damage to my credit.

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 2025-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to formally dispute the reporting of items listed as XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX BANK XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending to formally dispute the reporting of items listed as XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX BANK XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/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 2025-11-12 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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