vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Most of them are car dealers lending institutions. I have over 200 inquiries this year only supposed to have one inquiry which is XXXX XXXX XXXX XXXX which I have an open auto loan car deals ran my credit without my permission. I have contacted these dealers XX/XX/year> they told me its nothing Contact the credit bureaus the credit bureaus say contact the dealer Im getting sent around in circles.I had one particular dealer ran my credit over 53 times to 53 institutions when he only said it that he was only running to one institution I would like any credit inquiries thats not XXXX XXXX XXXX XXXX or current accounts that I have open removed

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverified, and improperly reported debt information on my consumer credit reports. The reporting agencies and debt collectors involved have violated several federal consumer protection laws including : FDCPA 809 ( b ) : They failed to provide adequate debt validation upon request.

FCRA 1681i and 623 ( a ) : They continued reporting inaccurate information without proper investigation or dispute notations.

HIPAA 45 CFR 164.502 : Medical debt was shared with third-party debt collectors without proper authorization.

Despite my written disputes and requests for validation, the accounts remain on my credit report with incomplete or misleading information. I request a full investigation, deletion of unvalidated accounts, and penalties for any verified violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAND HOME FINANCIAL SERVICES
State: TX

Complaint narrative:
To start it is really hard to get a hold of someone and to address any issue. Taxes and insurance increased and I received the letter that was sent on XX/XX/year> for a payment due on XX/XX/year> saying it was {$300.00} more. Then when I go in to make payment it says its {$600.00} more. When I called to ask about it they said they would contact me within XXXX hours and XXXX days passed and heard nothing from them. Then I called again and was told the same thing. A third time I called and the men said they made a mistake so that was the new payment. There was nothing they could do. The bill they sent for that month was the same as the previous balance and online it showed the amount with the increase of 600. Then another month comes and I go in to make payment and now it shows that they will be charging me {$25.00} per payment processed when they never sent a letter or said anything about this change. I have contacted them in regards to selling my home because its just too much to deal with. I am tired of dealing with them and I want to sell the home but they are making it hard on me and saying I need to request a payoff letter. I requested the payoff letter and I still havent received it. Now they also said that when I get an offer they are the ones that have to approve of that offer not me. Just seems like I cant do anything with a home I purchased. It all started going wrong when I found out the home is not under my name when they said it would be transferred under my name within a few months. The realtor told me the same thing and now finding out lots of things I was not aware of. They are requiring me to give them 2 % of what I sell the house be I am selling before the 3 years. It is just XXXX thing after another I am really sick and tired of dealing with them and they never answer the phone. Until this day I dont know what insurance the home has what XXXX paying for taxes or insurance. They are also making me get a renters policy and a warranty on the home. I feel like all of this is unacceptable and unprofessional. They never have an answer for me, they never call back. Only thing they do is keep increasing they payments and fees without notice. I really dont know what else to do. I would really appreciate it if you could help.

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 2025-05-14 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-14 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-05-14 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: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-05-14 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-14 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: IL

Complaint narrative:
RE : XXXXXXXX XXXX XXXXXXXX | Account # XXXX * * * * To Whom It May Concern, This is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S. Code 1681i, as well as Metro 2 reporting standards for accuracy, consistency, and completeness. Upon reviewing my credit file via IdentityIQ, I identified several discrepancies and violations across your reporting of the above-mentioned account. 
The following inconsistencies and violations are present : 1. Payment History Inconsistency : o Equifax shows accurate OK history prior to derogatory remarks ; however, TransUnion and Experian report continuous charge-offs ( CO ) with no prior delinquencies, violating the Metro 2 field-level rules that require chronological and progressive reporting ( XXXX days before charge-off ). 
o No proper XXXX sequence before charge-off reporting = Metro 2 Noncompliance. 
2. Account Details Conflict : o High Credit is reported inconsistently : {$500.00} on TransUnion and Experian, {$500.00} on XXXX.

o Last Payment Dates differ or are missing Experian shows XX/XX/XXXX, Equifax says XX/XX/XXXX, and TransUnion lists none. 
o Date Last Active conflicts : XXXX = XX/XX/XXXX, Experian = XX/XX/XXXX, XXXX = XX/XX/XXXX. 
This violates FCRA 607 ( b ) ( maximum possible accuracy ) and Metro 2 " Account History Profile ( AHP ) '' standards.

3. Payment Status Misclassification : o Account is reported as InstallmenXXXX while also listed as Collection/Charge-off. You can not simultaneously report an account as a current installment loan and as charged off. This dual classification violates Metro 2 account type and payment status guidelines. 
4. Balance and Past Due Amount : o A charged-off account should not show a past due amount. Per Metro 2 & FCRA 1681s-2 ( a ) ( 1 ) ( A ), once charged off, the past due amount should be zeroed or marked accordingly, not continuously updated.

Pursuant to FCRA 611, I am demanding : A reinvestigation into this account with the data furnisher. 
Deletion or correction of all inaccurate, conflicting, or unverifiable information. 
Compliance with Metro 2 Guidelines for payment status, charge-off sequence, and consistency across all reporting fields. 
A copy of the results of your investigation, including the method of verification and data source. 
Should you fail to correct or delete the disputed information, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), FTC, and my states Attorney General for willful noncompliance. 
Please consider this a formal notice. You are required by law to respond within 30 days under FCRA 611 ( 15 U.S. Code 1681i ). 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
RE : XXXXXXXX XXXX XXXXXXXX | Account # XXXX * * * * To Whom It May Concern, This is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S. Code 1681i, as well as Metro 2 reporting standards for accuracy, consistency, and completeness. Upon reviewing my credit file via IdentityIQ, I identified several discrepancies and violations across your reporting of the above-mentioned account. 
The following inconsistencies and violations are present : 1. Payment History Inconsistency : o Equifax shows accurate OK history prior to derogatory remarks ; however, TransUnion and Experian report continuous charge-offs ( CO ) with no prior delinquencies, violating the Metro 2 field-level rules that require chronological and progressive reporting ( XXXX days before charge-off ). 
o No proper XXXX sequence before charge-off reporting = Metro 2 Noncompliance. 
2. Account Details Conflict : o High Credit is reported inconsistently : {$500.00} on TransUnion and Experian, {$500.00} on XXXX.

o Last Payment Dates differ or are missing Experian shows XX/XX/XXXX, Equifax says XX/XX/XXXX, and TransUnion lists none. 
o Date Last Active conflicts : XXXX = XX/XX/XXXX, Experian = XX/XX/XXXX, XXXX = XX/XX/XXXX. 
This violates FCRA 607 ( b ) ( maximum possible accuracy ) and Metro 2 " Account History Profile ( AHP ) '' standards.

3. Payment Status Misclassification : o Account is reported as InstallmenXXXX while also listed as Collection/Charge-off. You can not simultaneously report an account as a current installment loan and as charged off. This dual classification violates Metro 2 account type and payment status guidelines. 
4. Balance and Past Due Amount : o A charged-off account should not show a past due amount. Per Metro 2 & FCRA 1681s-2 ( a ) ( 1 ) ( A ), once charged off, the past due amount should be zeroed or marked accordingly, not continuously updated.

Pursuant to FCRA 611, I am demanding : A reinvestigation into this account with the data furnisher. 
Deletion or correction of all inaccurate, conflicting, or unverifiable information. 
Compliance with Metro 2 Guidelines for payment status, charge-off sequence, and consistency across all reporting fields. 
A copy of the results of your investigation, including the method of verification and data source. 
Should you fail to correct or delete the disputed information, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), FTC, and my states Attorney General for willful noncompliance. 
Please consider this a formal notice. You are required by law to respond within 30 days under FCRA 611 ( 15 U.S. Code 1681i ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Mortgage recently lied and got caught in there lie to the Consumer Finance Protection Bureau. Shellpoint lied and said that after a loan modification they made the mortgage current as required. This is proven to be a lie by the date of the loan modification and there still being lates on the mortgage prior to the loan modification. Also, Shellpoint once again lied on top of this and didn't mention how any alleged late prior to the loan modification was done during a Covid forbearance wherein federal law states that they are not to report any lates. In both of this Shellpoint has lied in a compounding way and also Shellpoint is violating the anti-monopoly sherman act and becoming a processor and also mortgage originator in one by merging with XXXX XXXX which is a conflict of interest and gives an unfair competitive advantage as in doing this servicing the loans done by an affiliate company white washes any fraud committed during mortgage originations as the then satellite company services and is able to modify and white wash bad paper. This company or Shellpoint is well known for falsely reporting mortgage lates for untold thousands. The company needs to lose their mortgage license and get shut down because they refuse to fix the mistakes in pure arrogance and serially lie as icing on the cake.

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 2025-05-14 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:
Transunion XXXX XXXX XXXX XXXX Bank ) XX/XX/year> Equifax XXXX XXXX XXXX BANK XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute Unauthorized Reinsertion of Deleted Accounts Violation of FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of accounts previously deleted from my credit report. This action violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and Metro 2 compliance guidelines. The accounts in question are : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Deleted : Prior to XX/XX/year> Reinserted : XX/XX/year> Status : Closed/Never late with an inaccurate outstanding balance of {$360.00} ( closed accounts should not report a balance ). 
XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} Status : Open/Never late XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2000.00} Status : Open/Never late These accounts were previously investigated and deleted due to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts from my credit file, yet they have reappeared on my consumer file without proper notification or compliance with FCRA requirements.

Violations include : No notification of reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ).

609 ( a ) and 609 ( b ) No certification of accuracy from the furnisher before reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( i ) ). 
Inaccurate reporting of XXXX XXXX XXXX XXXX  XXXX with balance ), violating 15 U.S.C. 1681e ( b ).

Failure to maintain reasonable procedures for maximum accuracy ( FCRA 607 ( b ) ).

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