vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information that continues to be reported by the credit bureaus concerning the following XXXX XXXX XXXX accounts : XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX I have submitted multiple dispute letters regarding these accounts on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Despite these documented attempts, the information remains inaccurate and unresolved, in violation of the Fair Credit Reporting Act. 

The most recent submission included a formal Demand to Comply, and yet these accounts are still being reported with discrepancies across all three bureaus, including inconsistent high balances, mismatched date last active and last reported fields, and what appears to be improper re-aging of the accounts particularly by Equifax, which falsely reports XXXX activity on accounts that have been inactive since XXXX. 

These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability After three formal disputes over the course of several months with no resolution and no proper method of verification provided, I am now preparing to pursue legal action for willful and negligent noncompliance with federal law. I have a full paper trail of these disputes and am officially serving notice of pending litigation. I will be seeking monetary damages for each violation. 

I am demanding that these accounts be immediately removed from all consumer reporting agencies or fully corrected with consistent, verified, and legally compliant information. All further communication regarding this matter must be handled through the CFPB portal in order to maintain an official and traceable record.

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 2025-06-17 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: OK

Complaint narrative:
XXXX XXXX posted on my trans union that my account was opened XX/XX/year> and closed XX/XX/year> it states that it was a charge off but I never received a 1099 and it also states that I am {$120.00} behind if it is a charge off the balance should be XXXX it also says 5 years and 1 month but if it was closed in dec of XXXX it was only open 7 months information is incorrect

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 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX regarding an account that is being reported with inaccurate information. 

The balance is being reported as {$3400.00}, but the correct amount according to my records and supporting documentation is {$3400.00}. While the difference may appear small, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain completely accurate and precise information. Reporting the wrong amount, even by a few cents, is a violation.

In addition, the account continues to show a charge-off status every month after it was closed. This is false and misleading. A charge-off is a one-time event and should only appear for the month it occurred, not month after month. This ongoing reporting is damaging my credit and violates FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credit health |

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credit health |

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I keep receiving phone calls and emails to my old email address in my maiden name. However the email they have for me is incorrect. They keep stating I owe {$580.00} to some company I have not heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC.

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 2025-06-17 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 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:
am filing this formal complaint due to ongoing violations of my consumer rights under federal law. Despite submitting multiple certified dispute letters with return receipt requests, no bureau has acknowledged receipt, no investigation was conducted, and the disputed accounts remain on my credit report inaccurate, unverifiable, and unauthorized. 

I have been denied credit and funding as a result. This is a direct violation of : FCRA 602, 605 ( a ), 605B, 611, 616, 617, 623 FDCPA 807, 809, 813 ( 15 USC 1692e, 1692g, 1692k ) TILA 1026.7, 1026.12 GLBA 501502 ( failure to safeguard personal data ) FACTA 605B ( identity theft affidavit compliance ) Metro 2 / CDIA industry reporting standards I have attached : Final Dispute Letter Affidavit of Disputes Federal Law Addendum Chronology of Ignored Disputes Certified Mail Proofs ID crime incident form FTC Affidavit FCRA 605B FTC Report Government ID + Proof of Address Credit Report No return receipts were ever received for Round 1 or Round 2. 

The following accounts and collection items are disputed : Unauthorized or Unrecognized Accounts : XXXX not mine XXXX XXXXeports multiple times, late with {$0.00} limit & {$0.00} balance XXXX  duplicate accounts XXXX XXXX XXXX inaccurate balance/date/status XXXX XXXX unauthorized, complaint filed XXXX, XXXX XXXX last activity ( XXXX years apart ), not mine XXXX XXXX unrecognized collections XXXX XXXX unrecognized debt XXXX inconsistent reporting across all XXXX bureaus XXXX XXXX, XXXX, XXXX status/balance/date mismatches Personal Data Inaccuracies : Experian birth date is incorrect Names differ across bureaus Experian reports XXXX, FL address I never lived at Old employers listed that should only show XXXX XXXX XXXX  Inquiries XXXX Remove : XXXX XXXX XXXX XXXXXXXX And any inquiry not tied to an open, verified account

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 2025-06-17 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:
am filing this formal complaint due to ongoing violations of my consumer rights under federal law. Despite submitting multiple certified dispute letters with return receipt requests, no bureau has acknowledged receipt, no investigation was conducted, and the disputed accounts remain on my credit report inaccurate, unverifiable, and unauthorized. 

I have been denied credit and funding as a result. This is a direct violation of : FCRA 602, 605 ( a ), 605B, 611, 616, 617, 623 FDCPA 807, 809, 813 ( 15 USC 1692e, 1692g, 1692k ) TILA 1026.7, 1026.12 GLBA 501502 ( failure to safeguard personal data ) FACTA 605B ( identity theft affidavit compliance ) Metro 2 / CDIA industry reporting standards I have attached : Final Dispute Letter Affidavit of Disputes Federal Law Addendum Chronology of Ignored Disputes Certified Mail Proofs ID crime incident form FTC Affidavit FCRA 605B FTC Report Government ID + Proof of Address Credit Report No return receipts were ever received for Round 1 or Round 2. 

The following accounts and collection items are disputed : Unauthorized or Unrecognized Accounts : XXXX not mine XXXX XXXXeports multiple times, late with {$0.00} limit & {$0.00} balance XXXX  duplicate accounts XXXX XXXX XXXX inaccurate balance/date/status XXXX XXXX unauthorized, complaint filed XXXX, XXXX XXXX last activity ( XXXX years apart ), not mine XXXX XXXX unrecognized collections XXXX XXXX unrecognized debt XXXX inconsistent reporting across all XXXX bureaus XXXX XXXX, XXXX, XXXX status/balance/date mismatches Personal Data Inaccuracies : Experian birth date is incorrect Names differ across bureaus Experian reports XXXX, FL address I never lived at Old employers listed that should only show XXXX XXXX XXXX  Inquiries XXXX Remove : XXXX XXXX XXXX XXXXXXXX And any inquiry not tied to an open, verified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint is a maniacal fanatic liar that keeps doing the same worthless wordy response and doesn't address the only issue which is that all payments are made current once the loan modification was implemented. After the loan modification is implemented, all previous late payments are eliminated. Shellpoint refuses to do this. 

They keep lying and talking about trial payments, previous lates, or 100 % worthless talk that does 0 % to address the time of the loan modification and making any previously claimed late payment current. All the wordy responses, papers, and everything provided is complete garbage and a smoke screen for Shellpoint 's fanatical and maniacal refusal to acknowledge reporting lates they claim happened before the loan modification, which they refuse to provide. They need to give the fully executed loan modification, recognize and fix their mistakes, or get shut down. The fanaticism by which they avoid acknowledging screwing up can only be compared to the defenders of XXXX XXXX in XXXX that chose to burn alive in caves when out of ammo than surrender and accept defeat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

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 2025-06-17 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 discovered a late payment on my report that is inaccurate and unjustified. I have proof of timely payment and ask that you review the matter and update my report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 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 XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

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 2025-06-17 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370000.00}

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