vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-04-16 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-16 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: MS

Complaint narrative:
Dear Transition, I am writing to formally dispute the following inaccurate and derogatory entries reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 602 and in accordance with Metro 2 compliance guidelines, I am requesting an immediate investigation and removal of the items listed below due to inaccuracies and data furnishing violations. 

Accounts in Question : XXXX XXXX XXXX Status : Negative, 30 Days Late ( TU ) Issue : Incomplete and outdated payment status reporting not aligned with Metro 2 Format or FCRA 609 ( a ). 
Action Requested : Remove or correct to reflect accurate payment history and account standing. 
XXXXXXXX XXXX Status : Charge-off ( XXXX, XXXX  ), Past Due Last Reported : XX/XX/2025 ( XXXX  ), XX/XX/2025 ( XXXX  ) Issue : Account status continues to show as a charge-off after being settled/paid. This fails to reflect the true nature of the account and violates Metro 2 data suppression protocols.

Action Requested : Delete or update to reflect accurate closed status and {$0.00} balance. 
XXXX XXXX XXXX XXXX Status : Charge-off Issue : Listing shows as charged off with inconsistent last activity dates and no validation documentation. 
Action Requested : Remove based on outdated, unverifiable reporting and incomplete payment data.

Summary of Dispute Reasoning : These accounts fail to follow Metro 2 standards for accurate and complete data reporting.

They display conflicting dates, incorrect status codes, or duplicate derogatory information not allowed under 15 U.S. Code 1681s2.

Under the Consumer Data Industry Association ( CDIA ) Metro 2 format, outdated or unverifiable derogatory data must be corrected or 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 2025-04-16 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: MS

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following inaccurate and derogatory entries reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 602 and in accordance with Metro 2 compliance guidelines, I am requesting an immediate investigation and removal of the items listed below due to inaccuracies and data furnishing violations. 

Accounts in Question : XXXX XXXX XXXX Status : Negative, 30 Days Late ( TU ) Issue : Incomplete and outdated payment status reporting not aligned with Metro 2 Format or FCRA 609 ( a ).

Action Requested : Remove or correct to reflect accurate payment history and account standing. 
XXXX XXXX Status : Charge-off ( EXP, EQF ), Past Due Last Reported : XX/XX/year> ( EXP ), XX/XX/year> ( EQF ) Issue : Account status continues to show as a charge-off after being settled/paid. This fails to reflect the true nature of the account and violates Metro 2 data suppression protocols. 
Action Requested : Delete or update to reflect accurate closed status and {$0.00} balance. 
XXXX XXXX XXXX XXXX Status : Charge-off Issue : Listing shows as charged off with inconsistent last activity dates and no validation documentation.

Action Requested : Remove based on outdated, unverifiable reporting and incomplete payment data.

Summary of Dispute Reasoning : These accounts fail to follow Metro 2 standards for accurate and complete data reporting. 
They display conflicting dates, incorrect status codes, or duplicate derogatory information not allowed under 15 U.S. Code 1681s2. 
Under the Consumer Data Industry Association ( CDIA ) Metro 2 format, outdated or unverifiable derogatory data must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following inaccurate and derogatory entries reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 602 and in accordance with Metro 2 compliance guidelines, I am requesting an immediate investigation and removal of the items listed below due to inaccuracies and data furnishing violations. 

Accounts in Question : XXXX XXXX XXXX Status : Negative, 30 Days Late ( XXXX  ) Issue : Incomplete and outdated payment status reporting not aligned with Metro 2 Format or FCRA 609 ( a ). 
Action Requested : Remove or correct to reflect accurate payment history and account standing. 
XXXXXXXX XXXX Status : Charge-off ( EXP, XXXX  ), Past Due Last Reported : XX/XX/2025 ( EXP ), XX/XX/2025 ( XXXX  ) Issue : Account status continues to show as a charge-off after being settled/paid. This fails to reflect the true nature of the account and violates Metro 2 data suppression protocols. 
Action Requested : Delete or update to reflect accurate closed status and {$0.00} balance. 
XXXX XXXX XXXX XXXX Status : Charge-off Issue : Listing shows as charged off with inconsistent last activity dates and no validation documentation. 
Action Requested : Remove based on outdated, unverifiable reporting and incomplete payment data.

Summary of Dispute Reasoning : These accounts fail to follow Metro 2 standards for accurate and complete data reporting.

They display conflicting dates, incorrect status codes, or duplicate derogatory information not allowed under 15 U.S. Code 1681s2. 
Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 format, outdated or unverifiable derogatory data must be corrected or 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> A total of {$1200.00} was withdrawn from my account to cover a loan taken out by my daughter, which she subsequently defaulted on. Although we share a joint account, I was not a party to the loan, and the funds in the checking account were solely mine. This withdrawal has left me without any money to pay my bills or buy food. I find it incredibly sad that a bank can leave someone in such an undue hardship like this when I am not the owner of the loan. The other account holder is currently unemployed and has no income, so the funds were entirely my own. I spoke with XXXX, the XXXX at Huntington Bank, on XX/XX/year> regarding this issue, but he informed me that the bank would not return the money. I find this situation particularly troubling, as I was not involved in the loan and should not be held responsible. I even offered to provide proof that the funds were mine, but he indicated that it would not make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing this with deep frustration and urgencythere are several errors on my credit report that have been harming me for far too long. Despite my previous disputes and the fact that some of this information was already deleted by other bureaus, it keeps showing up again. This is not only careless, it's a violation of my rights as a consumer. 
To make matters worse, these accounts appear to be the result of identity theft and fraudulent use of my personal informationitems Ive never authorized, used, or benefited from in any way. These inaccuracies continue to drag down my credit score and block any chance I have at financial progress and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-16 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: ID

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I mailed an application for a loan modification on XX/XX/year>, with all the requested forms filled out and providing all the information as instructed. 
Since then, I have been routinely told I havent provided all the necessary information for a loan modification review. After months of trying to meet all their requirements, they have told me I am not eligible because of XXXX. They provided no other information. See my attached letter and my previous complaint # 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 2025-04-16 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:
XXXX XXXX is reporting an account ( # XXXX ) that does not belong to me. I never applied for or opened this account. I formally disputed this with the credit bureaus, but no proper validation was provided and the account remains. This violates FCRA 1681e ( b ) and 1681i. I am requesting immediate removal of this inaccurate account from 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Sent This Letter to ALL OF THESE COMPANYS I have not gotten a response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your communication dated regarding the abovereferenced account. I dispute the validity of this debt and, under my rights pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide me with a complete and unbroken chain of assignment showing how you acquired this account and a Forward Flow and the original contract with my signature and payment history and the Original Account Number Specifically, please provide : Original Creditor Information : Name and address of the original creditor. 

Copy of the original contract or agreement bearing my signature. 

Each Subsequent Assignment or Sale : Name and address of each party to whom the debt was assigned or sold. 

Date of each assignment or sale. 

Copy of each assignment, sale agreement, purchase agreement or other writing evidencing the transfer of ownership. 

Proof of Your Authority to Collect : Documentation ( e.g. assignment agreements, affidavits ) showing you have the legal right to collect on this debt. 

Accounting of the Debt : A complete, itemized statement showing how the current balance was calculated, including all interest, fees, payments, and credits. 

Statute of Limitations Information : The date on which this debt first became delinquent and an explanation of how you determined it is still within the statute of limitations. 

Until you provide the aboverequested documentation, you must cease all collection activities and must not report any information about this debt to any credit reporting agency. If you can not furnish an unbroken chain of assignment, you have no standing to collect and must delete any reference to this account from my file. 

XXXX Please respond in writing to the address above within 30 days of your receipt of this letter. Thank you for your prompt attention to 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 2025-04-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Sent This Letter to ALL OF THESE COMPANYS I have not gotten a response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your communication dated regarding the abovereferenced account. I dispute the validity of this debt and, under my rights pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide me with a complete and unbroken chain of assignment showing how you acquired this account and a Forward Flow and the original contract with my signature and payment history and the Original Account Number Specifically, please provide : Original Creditor Information : Name and address of the original creditor. 

Copy of the original contract or agreement bearing my signature. 

Each Subsequent Assignment or Sale : Name and address of each party to whom the debt was assigned or sold. 

Date of each assignment or sale. 

Copy of each assignment, sale agreement, purchase agreement or other writing evidencing the transfer of ownership. 

Proof of Your Authority to Collect : Documentation ( e.g. assignment agreements, affidavits ) showing you have the legal right to collect on this debt. 

Accounting of the Debt : A complete, itemized statement showing how the current balance was calculated, including all interest, fees, payments, and credits. 

Statute of Limitations Information : The date on which this debt first became delinquent and an explanation of how you determined it is still within the statute of limitations. 

Until you provide the aboverequested documentation, you must cease all collection activities and must not report any information about this debt to any credit reporting agency. If you can not furnish an unbroken chain of assignment, you have no standing to collect and must delete any reference to this account from my file. 

XXXX Please respond in writing to the address above within 30 days of your receipt of this letter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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