vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: GA

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 2025-11-20 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: CA

Complaint narrative:
I am submitting this complaint due to multiple unauthorized hard inquiries appearing on my TransUnion credit report. I did not authorize these companies or auto dealerships to access my credit. These inquiries appear to be the result of dealer shotgunning, which was done without my direct consent. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion must be able to provide a signed authorization form from me for each of the inquiries listed below. If no such documentation exists, these inquiries must be removed. 

Unauthorized TransUnion inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXXXXXX XX/XX/year> I am requesting that TransUnion remove all of these unauthorized inquiries unless they can provide signed documentation proving that I consented.

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 2025-11-20 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: MA

Complaint narrative:
I am a consumer seeking to correct inaccuracies on my credit report. Below are the accounts in dispute : CHARGED OFF XXXX XXXX XXXX, XX/XX/XXXX, {$740.00} XXXX  : XXXX, XX/XX/XXXX, {$840.00} XXXX XXXX XXXX, XX/XX/XXXX, {$4000.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$1000.00} XXXX  : XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX  XXXX : XXXX, XX/XX/XXXX, {$4400.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health

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 2025-11-20 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consu

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SD

Complaint narrative:
I tried to dispute multiple transactions but they said that there wasn't anything wrong with the transactions I was disputing so they closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
The below inquiries were not authorized. 

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 2025-11-20 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: IL

Complaint narrative:
The below inquiries were not authorized. 

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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: MI

Complaint narrative:
I was a customer with XXXX XXXX XXXX for a short period of time, cancelled and was still being billed for the service after cancelling, so I gave it some time, figured they hadn't realized or it needed time to process, then I get charged for not returning the equipment, even though I returned it a while ago within the return date and I have reciept proof. 

I then recieved a voicemail from someone from XXXX XXXXXXXX XXXX XXXX which i came to find out was a collection agency which led me to file this complaint

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint because I recently became aware of an alleged debt connected to the above-referenced account. I have not received adequate information to verify the accuracy, legitimacy, or ownership of this claimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
At closing on XXXX  XXXX, XXXX, Shellpoint Mortgage Servicing collected {$19000.00}, which they labeled as Deferred Principal Balance. This was the only partial claim amount disclosed in the payoff statement provided to my closing agent. There was no mention or inclusion of the valid HUD Partial Claim balance of {$10000.00}, which appears in HUDs SMART Portal.

After closing, I reviewed the HUD SMART Portal and learned the following : The {$19000.00} collected by Shellpoint is tied to an old XXXX partial claim that HUD transferred years ago to the XXXX XXXX XXXX XXXX. 

HUD did not include this claim in the payoff amount they generated. 

HUD shows only {$10000.00} as the valid outstanding partial claim for this FHA case. 

HUD has not received any funds from Shellpoint for the {$19000.00} collected at closing. 

Shellpoint has not applied or remitted the funds and has provided no documentation showing where the money went. 

I have been trying to resolve this since my closing date on XX/XX/XXXX. Shellpoint has given me multiple contradictory explanations about the {$19000.00} : Your loan is fully paid and in good standing. 
It may take 60 days for the funds to be distributed.

Those funds belong to Shellpoint ; we dont know why HUD would receive them.

The funds were misappropriated and will be sent.

None of these statements has been supported with any written payoff ledger, documentation, or proof of remittance.

Each time I ask to speak with a supervisor or manager, I am told none are available. On the rare occasions when a supervisor does come on the line, they state they can not assist, do not have access to the information, or can not provide answers. Those interactions end with even more confusion, no documentation, and no resolution. I leave these calls more frustrated, with more unanswered questions than before. 

When I request escalation, the calls are often prolonged without progress, or I am given nonworking email addresses or phone numbers that do not reach a live person. 

Shellpoint has never provided : A payoff application ledger Documentation showing how the {$19000.00} was calculated Any proof that they sent the funds to HUD Any explanation consistent with HUDs records HUDs official records make clear that : Shellpoint collected the wrong partial claim payoff. 

They did not collect the actual outstanding {$10000.00}, and They have not remitted the {$19000.00} to HUD. 

As a result, Shellpoints actions left the valid HUD partial claim unpaid, created a major payoff discrepancy, and blocked all efforts to resolve it directly with either the servicer or HUD.

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 2025-11-20 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: MD

Complaint narrative:
This is a formal request for a review and correction of the inaccuracies present in my Experian credit report. The following accounts listed below have been reported inaccurately, and I ask that these accounts be thoroughly investigated to verify the information provided, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Dispute : This account is inaccurately reported as charged off and needs further verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Dispute : This account is inaccurately reported as charged off and needs further verification. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Dispute : This account is inaccurately reported as charged off and needs further verification. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Dispute : This account is inaccurately reported as charged off and needs verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Dispute : This account is inaccurately reported as charged off and needs verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Dispute : This account is inaccurately reported as charged off and needs verification. 

Late Payment Accounts : XXXX  Account Number : XXXX Dispute : Late payment reported on this account is not accurate or is outside of the statutory period. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXL Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : 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 2025-11-20 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Urgent Request for Investigation of Credit Report Errors Dear Rent Debt I am writing to formally address the inaccuracies on my credit report that require immediate action. While the erroneous item has been deleted from my XXXX  report, it continues to appear with errors on my XXXX  and TransUnion reports. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that consumer reports must be accurate and complete at all times. When inaccuracies persist, it can lead to significant consequences, including wrongful denials of credit and impacts on employment opportunities. 

I have previously reached out regarding these issues, yet they remain unresolved. I am requesting a full investigation into these discrepancies and expect to receive the results within 15 days. The items in question exhibit inconsistencies across reports, including : - XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX  Account Status XXXX XXXX XXXX XXXX XXXX  Last Verified Date XXXX XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX XXXX XXXX Date Reported * * It is essential that you provide supporting documentation detailing how and what was used for verification. Simply marking the account as verified or making changes without supplying the documentation is not acceptable. 

I appreciate your prompt attention to this matter and look forward to your immediate action to rectify these errors or remove the account altogether.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address inaccuracies in my personal information on my credit report. These errors are causing significant difficulties with my credit applications, which is highly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I am formally demanding an immediate investigation into the collection and/or charge-off accounts your company has furnished to the credit reporting agencies. The information currently being reported is inaccurate, incomplete, and unverified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
On XXXX I sent a certified letter to Portfolio Recovery Associates LLC requesting them to validate this account and the debt. As of XXXX they have yet to validate the original contract with my signature attached. I've also disputed this debt through XXXX XXXX with XXXX XXXX XXXX. I've disputed with XXXX as well, neither of which have properly investigated this account and it's still reports negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to HARRIS regarding Account Number : XXXX * * * * for the alleged balance of {$200.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, HARRIS failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation