vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Due to the XXXX XXXX wildfires in XX/XX/year>, Newrez LLC dba Shellpoint Mortgage Servicing ( " Shellpoint '' ) offered forbearance on making payment in XX/XX/year> for those in the fire zone, as I was. However, Shellpoint instead reported XXXX as a missed payment to the credit bureaus, significantly damaging my credit rating. 

I spoke with Loss Mitigation on or about XX/XX/year>. The Loss Mitigation representative indicated that we would be granted relief and the late fee removed. 

The loan was paid off on XX/XX/year> and instead of reversing the late fee, Shellpoint reported it as a missed payment. I asked many times to remove this, and finally was told I had to fax a request with a wet signature, as nothing else would be considered. 
Despite the arcane methods of communication required, I did this on or about XX/XX/year>. It has since been 70 days with no action. When I call Shellpoint, which I have done several times since then, I am advised that there is no information, no update, and no one I can speak to about it as the Loan Servicing department evidently will not speak to consumers. 

Today, I logged a complaint with Shellpoint due to the lack of response ( XXXX XXXX. XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Despite XXXX lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-23 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
Theres an account showing up on my credit report that has absolutely nothing to do with me. Its not mine, I never opened it, and it clearly belongs to someone else. Somehow, this information is being mixed with my credit profile and thats unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Im once again reaching out about the fraudulent account that continues to appear on my credit report. Despite multiple attempts to correct this, the unauthorized entry still hasnt been removed. My report also contains inaccurate personal information, which is likely contributing to this issue. Ive been a victim of identity theftmy information was used without my consent, and I now see an account Ive never had any involvement with. I followed the proper steps, filed an FTC Identity Theft Report as advised by Experian, and submitted all necessary documentation. Yet nothing has changed.

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 2025-05-23 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX ACCOUNT XXXX  Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX ACCOUNT XXXX  Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XX/XX/XXXXXXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00}XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$140.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XX/XX/XXXX- Account Number : XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XX/XX/XXXXXXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00}XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$140.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XX/XX/XXXX- Account Number : XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-05-23 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX for a personal loan and served me on XXXX / XXXX / XXXX. 
Their attorney, XXXX XXXX, demanded hardship proof on XXXX / XXXX / XXXX. 
That same day I emailed bank statements plus a written offer to pay XXXX per month. 
I repeated my request for payoff figures and a settlement on XXXX / XXXX, XXXX / XXXX, and XXXX / XXXX. 
I phoned their office on XXXX / XXXX, XXXX / XXXX, XXXX / XXXX, and XXXX / XXXX ; staff confirmed receipt but nothing ever arrived in writing. 
No payoff schedule, no validation of the debt, no counter-proposaljust total radio silence while the lawsuit remains active and my credit hangs in limbo. 
I am attaching the summons, docket, hardship proof, and full email chain as evidence of their stonewalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : UNKNOWN XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : UNKNOWN XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-23 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: CA

Complaint narrative:
I am writing this letter as a formal and urgent complaint against Experian and Equifax for willfully reporting false, damaging information on my credit report regarding an account with DEPT OF ED/XXXX an account that has already been deleted by XXXX due to lack of verification and failure by the creditor to provide documentation. 

Let me be clear : this account is not valid, not verifiable, and not legally reportable. TransUnion made the correct and lawful decision to delete the account because XXXX failed to provide proof that I was delinquent. There was no signed agreement, no accurate payment history, and no validation of default just automated systems damaging my name and my credit. 

Now, after that deletion, I find out that Experian and Equifax just updated the account as late again. This is outrageous and completely illegal under federal law. 

I am demanding an immediate and permanent removal of this account from both Experian and Equifax. Re-reporting a previously disputed and deleted account is not only unethical its a direct violation of the Fair Credit Reporting Act, specifically : 15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) ( B ) : Once an item is deleted due to a dispute, it can not be reinserted without certification of accuracy, which I was never provided. 
15 U.S. CXXXXe XXXX ( b ) : Data furnishers are legally required to investigate and correct or delete inaccurate information. This has clearly not been done. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Credit bureaus must perform a reasonable investigation beyond the furnishers word which neither bureau has done. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Willful failure to correct credit information creates legal liability. 
This is affecting my financial life, my ability to access housing, and my peace of mind. I will not allow this to continue. I am demanding : Immediate deletion of the DEPT OF ED/XXXXE account from Experian and Equifax. 
A block to prevent this account from being reinserted in the future. 
A written response from the CFPB and each bureau confirming removal and action taken. 
If this issue is not resolved immediately, I will pursue action through the FTC, the State Attorney General, and legal counsel for FCRA violations. I will not sit quietly while my rights are trampled. 

This is not a request. This is a formal demand backed by 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