vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for reporting inaccurate, misleading, and unverifiable accounts that are no longer owned by the creditors listed. According to the creditors own SEC filings and prospectus documents, they have sold, securitized, pledged, or transferred ownership of the receivables associated with these accounts, yet the credit bureaus continue to report these creditors as the legal owners. 

Accounts in question include : XXXX XXXX multiple accounts ( credit card and auto loan ) XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX / # XXXX XXXX XXXX XXXX XXXX, XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX Each of these furnishers has publicly acknowledged that the receivables were transferred to trusts ( e.g., XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX Account XXXX XXXX, XXXX, etc. ), and that the original bank is now acting only as servicer. Despite this, the credit bureaus continue to show the banks as if they were still the legal owners, often reporting these as charge-offs, collections, or with delinquency statuses. 

This constitutes furnishing false information in violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 knowingly reporting false information FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable items TILA 1638 ( a ) & Reg Z nondisclosure of assignment/sale GLBA XXXX  improper sharing of nonpublic personal information UCC 9-210 refusal to provide full chain of title FDCPA XXXX misrepresentation of debt ownership 18 U.S.C. 1956 potential financial misrepresentation or laundering The credit bureaus are legally obligated to investigate and correct inaccurate information, especially when the reporting entities have no continued legal or beneficial ownership interest in the account. I have not received proof of ownership from any of these furnishers or the bureaus. I am demanding the immediate deletion of these accounts under FCRA 1681i and requesting that the CFPB open an investigation into this systemic misconduct.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Hello CFPB, Shellpoint Mortgage Servicing incorrectly reported my mortgage account ( # XXXX ) as 60 days past due. This reporting caused an 80+ point drop in my credit score and stemmed from XXXX autopay system rejecting payments despite sufficient funds and overdraft protection. 

On XX/XX/XXXX, I submitted a signed dispute letter through XXXX customer portal to formally request a review and correction of the reporting. As of XX/XX/XXXX ( 39 days later ), I have received no response or resolution. 

This lack of response violates the Fair Credit Reporting Act ( FCRA ) timelines requiring a prompt investigation and resolution of disputes. 

Im requesting that Shellpoint take the following actions : - Investigate the payment processing issues that led to the rejected payments - Remove and/or correct the 60-day late payment as a goodwill/error adjustment - Confirm in writing that the negative reporting has been addressed Thank you for your support, 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Amount : {$2000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$3500.00} XXXX XXXX ) XXXX XXXX XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE XXXX 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 2025-07-23 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX  XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
There are numerous accounts showing up on my credit report that I have absolutely no knowledge of and no connection to whatsoever. I am the victim of identity theft, and these fraudulent accounts must be immediately BLOCKED and permanently REMOVED from my credit file. They are the result of criminal activity carried out without my consent. 
Are : XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. # XXXX * * * * ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, the inquiries listed below are directly linked to this identity theft. I did not authorize them, I did not initiate them, and they should never have occurred in the first place. 
Are : XXXX XXXX  XXXX on XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX inquiried on XXXX, XXXX ; XXXX XXXX  inquiried XXXX XXXX XXXX ; XXXX XXXX  Inquiried on XXXX XXXX XXXX ; XXXX XXXX  XXXX inquiried on XXXX, XXXX ; XXXX XXXX XXXX inquiried on XXXX, XXXX XXXX XXXX XXXX Inquiried on 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 2025-07-23 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: GA

Complaint narrative:
This complaint involves clear violations of federal consumer protection laws. XXXX XXXX and the Collection Agencies continue pursuing debt collection while failing to meet basic tax reporting requirements. Credit reporting agencies have ignored substantive evidence and failed to conduct proper reinvestigations. 

I have attempted to resolve these issues through proper dispute channels but have been met with automated responses and inadequate investigations. The contradictory handling of this accounttreating it as both cancelled for charge-off purposes and collectible for legal actionviolates multiple federal statutes. 

I respectfully request prompt investigation and appropriate enforcement action to resolve these violations and prevent similar harm to other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I had no knowledge of these accounts being opened ; please remove them from my credit report within 15 days, following USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
These requests came unexpectedly and without proper authorization. Please resolve this issue swiftly and examine the attached records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-23 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-23 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: FL

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report with your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ). 
The account in question is : Creditor Name : XXXX Account Number : XXXX Date of Alleged Late Payment : XXXX This reported late payment is incorrect and does not reflect my actual payment history. I am requesting that this entry be fully investigated and either verified with documented proof or permanently removed from my credit file. If the creditor can not provide complete, written verification of the alleged delinquency including payment records, communication logs, and account statements then the item must be deleted as required by law. 
Please consider this letter a formal request to open a reinvestigation. According to FCRA regulations, you are required to complete the investigation within 30 days of receipt of this letter. If you determine that the disputed information is inaccurate, you must promptly remove it from my file and notify all parties with whom you have shared my credit information.

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 2025-07-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, 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 2025-07-23 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX Experian

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 2025-07-23 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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