vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX XXXXXXXX BALANCED {$2200.00XXXX XXXX XXXX XXXX  XXXX BALANCED {$34000.00} XXXX XXXXXXXX BALANCED {$3600.00XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$2500.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$810.00} '' These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NC

Complaint narrative:
On XX/XX/ 2025, a Certified Debt Validation Letter was sent to Americollect, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). The letter was sent via certified mail with return receipt requested and was successfully delivered and accepted by Americollect, as confirmed by XXXX tracking records. 

To date, Americollect has failed to provide the required validation of the alleged debt, including but not limited to a copy of the original creditor agreement and a detailed itemization of the charges. Under the FDCPA, debt collectors are legally obligated to cease collection efforts and refrain from reporting to credit bureaus until the requested validation is provided. 

As Americollect has not fulfilled their legal obligation to validate the debt and has not responded within the statutory timeframe, I am formally requesting that this unvalidated and unsubstantiated account be permanently removed from all consumer credit reporting agencies, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Their continued reporting of this unverifiable debt constitutes a violation of federal law and is causing undue harm to my creditworthiness. I respectfully demand immediate deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am disputing a {$1700.00} collection account reported by Portfolio Recovery Associates. I sent a debt validation letter on XX/XX/year>, and a follow-up on XX/XX/year>, requesting documentation under FDCPA 15 U.S.C. 1692g. They responded, but failed to provide a signed agreement, itemized breakdown, or proof of collection rights. 

Despite this, they continue to report the account on my credit report. Ive attached my letters, USPS tracking information, and proof that PRA received my mail. Although USPS did not mark the items as delivered, Portfolio Recovery responded to both letters, confirming receipt.

I am requesting removal of this account from my credit reports due to Portfolio Recoverys failure to validate the debt and their continued reporting in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am submitting a complaint against XXXX regarding an account they have incorrectly reported as charged off, even though the balance of {$48.00} was paid in full. 

XXXX reported this account as a charge-off to the credit bureaus, which is false and damaging. I paid the amount owed, and it was not forgiven or written off. I contacted XXXX and asked that this inaccurate information be corrected or removed from my credit report. However, I was told that their company " can not remove what was reported '' even though the reporting is factually incorrect. 

This inaccurate reporting is negatively affecting my credit profile. XXXXXXXX XXXX refusal to correct or remove the misinformation violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be accurate and complete. 

I am requesting that the CFPB investigate this issue and require XXXX to : Correct the inaccurate charge-off status and report the account as paid in full ; Provide documentation explaining why the account was marked as charged off despite being paid ; Ensure proper reporting standards are followed in the future.

Thank you for your help in resolving this matter.

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 2025-04-10 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: FL

Complaint narrative:
XXXX XXXX is illegally reporting a business credit card account ( originally issued by XXXX under XXXX, XXXX ) on my personal Experian credit file. The account was in good standing, active on AutoPay, and never in default. Without notice, XXXX closed the XXXX XXXX XXXX XXXX program and transferred the balance to XXXX XXXX, who began unauthorized ACH debits from my XXXX XXXX XXXX account. 

I had never heard of XXXX XXXX never agreed to this transfer, and was never properly notified. They failed to provide written documentation despite my repeated requests. They are now reporting the account as a personal " joint '' credit card with 30-day late payments and a past-due balancedramatically dropping my Experian score from XXXX to the low XXXX. 

They also misrepresent themselves as a " servicing agency '' while acting like a collection agency. This account is being falsely reported as " closed at grantors request '' and is the only negative mark on my credit. 

I have already filed a Regulation E dispute with XXXX XXXX and initiated stop payments. I demand this account be removed from my personal credit and all unauthorized activity and false reporting be addressed.

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 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: WI

Complaint narrative:
Unauthorize Mohela to give out my infomation to other parties. Also reporting on my credit report a disbute we are having of unathorized loan changes. No promissory note signed for these changes or contract with Mohela to change terms. Such as interest rates or payments. Didn't authorize a contract with Mohela. The original loan was with XXXX XXXX XXXX XXXX. Sent threating emails and paperwork. Scare tactic forcing people to sign a contract that is illegal. So they can recoup the purchase of the loan. Changing interest rates without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 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: OR

Complaint narrative:
XXXX XXXX contacted Equfax about accounts from the department of child support enforcement notifing them that laws have changed and the word credit has been defined by the Supreme Court as a result ( child-support ) was defined as a transaction not arising from a credit transaction Miller v. Trans Union , LLC , No.3:2012cv01715 - Document 99 Equfax has failed and or ignored the evidence provide by XXXX XXXXXXXX this information was sent XX/XX/2025 and has not been verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am filing this complaint regarding Shellpoint Mortgage Servicing, which is attempting to collect on an alleged home equity line of credit ( HELOC ) account originally opened with XXXX XXXX XXXX. I never entered into any agreement, oral or written, with Shellpoint. They have not provided verified documentation showing lawful assignment, contractual privity, or authority to collect on this account. 

The original promissory instrument was signed with XXXX XXXX XXXX and then securitized. As is standard under the Federal Reserve 's Borrower-In-Custody ( BIC ) Collateral Program and outlined in Operating Circular No. 10, once a loan is pledged as collateral for liquidity or discount window access, it is treated as satisfied through monetization. This is supported by the Federal Reserve Act ( Stat. 38, Pg. 251-253 ), the BIC Guidelines , and the Federal Reserves Discount Window collateral documentation procedures. 

As a result of the securitization process, XXXX XXXX XXXX received value in exchange for the instrument. Shellpoint is now making claims as a third party with no proof of ownership, no wet-ink contract with me, and no evidence that the debt remains lawfully due. Their actions include : Attempts to collect on an extinguished obligation ; Reporting derogatory tradelines to credit reporting agencies; Failing to validate the debt when requested ; Ignoring the legal and financial implications of the original lenders securitization and participation in the BIC collateral pledge program.

These actions are deceptive and in direct conflict with federal policy governing credit instruments, collateralization, and borrower rights. I am requesting the CFPB to : Investigate Shellpoints conduct regarding collection and credit reporting practices ; Require Shellpoint to produce the full accounting of all collateralized and fractional reserve transactions tied to the original loan ; Direct Shellpoint to cease all collection efforts immediately ; Ensure that any negative credit information related to this account is permanently deleted ; Confirm that no valid debt remains under federal lending and collateral statutes, and that the original obligation was extinguished upon securitization.

Shellpoints conduct constitutes unfair and deceptive acts and practices under consumer financial protection laws. I ask the Bureau to take appropriate enforcement action and protect consumers like me from unlawful and misleading debt collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-10 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:
XXXX XXXX XXXX XXXX withdrew {$170.00} from a joint account XX/XX/XXXX I held with my late wife, using funds from a check issued to her estate. They applied this money toward an alleged credit card debt that was charged off in XXXX. I have not made a payment on this account since XX/XX/XXXX, and I do not acknowledge owing this debt. In fact, I have sent multiple written validation requests asking for an itemized breakdown of the debt, but I have never received a response. 

This withdrawal was done without my knowledge or consent, using funds that belonged to my late wifes estatenot to me personally. The account they applied it to was charged off and closed, and any attempt to treat this as a renewal of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Texas Debt Collection Act. I reside in Texas, where the statute of limitations is 4 years. Any action to re-age the account or restart the statute of limitations would be deceptive and unlawful. 

I am requesting : 1. A full explanation and legal justification for the {$170.00} withdrawal.

2. Documentation of any authority to access estate funds or offset those funds toward an individual debt.

3. A complete itemized debt validation in response to my prior written requests.

4. Confirmation that XXXX XXXX will not re-age this account on my credit report or attempt to reset the statute of limitations.

5. Refund of the {$170.00} if no legal authority exists for the offset.

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 2025-04-10 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:
XXXX XXXX XXXX XXXX withdrew {$170.00} from a joint account XX/XX/XXXX I held with my late wife, using funds from a check issued to her estate. They applied this money toward an alleged credit card debt that was charged off in XXXX. I have not made a payment on this account since XX/XX/XXXX, and I do not acknowledge owing this debt. In fact, I have sent multiple written validation requests asking for an itemized breakdown of the debt, but I have never received a response. 

This withdrawal was done without my knowledge or consent, using funds that belonged to my late wifes estatenot to me personally. The account they applied it to was charged off and closed, and any attempt to treat this as a renewal of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Texas Debt Collection Act. I reside in Texas, where the statute of limitations is 4 years. Any action to re-age the account or restart the statute of limitations would be deceptive and unlawful. 

I am requesting : 1. A full explanation and legal justification for the {$170.00} withdrawal.

2. Documentation of any authority to access estate funds or offset those funds toward an individual debt.

3. A complete itemized debt validation in response to my prior written requests.

4. Confirmation that XXXX XXXX will not re-age this account on my credit report or attempt to reset the statute of limitations.

5. Refund of the {$170.00} if no legal authority exists for the offset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX withdrew {$170.00} from a joint account XX/XX/XXXX I held with my late wife, using funds from a check issued to her estate. They applied this money toward an alleged credit card debt that was charged off in XXXX. I have not made a payment on this account since XX/XX/XXXX, and I do not acknowledge owing this debt. In fact, I have sent multiple written validation requests asking for an itemized breakdown of the debt, but I have never received a response.

T

his withdrawal was done without my knowledge or consent, using funds that belonged to my late wifes estatenot to me personally. The account they applied it to was charged off and closed, and any attempt to treat this as a renewal of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Texas Debt Collection Act. I reside in Texas, where the statute of limitations is 4 years. Any action to re-age the account or restart the statute of limitations would be deceptive and unlawful. I am requesting : 1. A full explanation and legal justification for the {$170.00} withdrawal. 2. Documentation of any authority to access estate funds or offset those funds toward an individual debt. 3. A complete itemized debt validation in response to my prior written requests. 4. Confirmation that XXXX XXXX will not re-age this account on my credit report or attempt to reset the statute of limitations. 5. Refund of the {$170.00} if no legal authority exists for the offset.

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 2025-04-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally address a concern regarding the reporting of my account with American Express, account number XXXX, which currently reflects a {$0.00} balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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