vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: OK

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: RFNA, LP
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX  credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, 1 am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES : 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 2025-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB Complaint Narrative : Shellpoint Mortgage Servicing misrepresented XXXX XXXX investor guidelines during our request for a XXXX XXXX Payment Deferral. Shellpoint stated that we must have 80 % equity to qualify. This requirement does not exist under XXXX XXXX XXXX XXXX XXXX, which specifically states that no property valuation, LTV calculation, or equity review is part of Payment Deferral eligibility. 

Shellpoint also stated that our home has only 35 % equity, which is incorrect. Our current market value is approximately {$260000.00} and our loan balance is {$100000.00}, which reflects approximately 59 % equity, although equity is not relevant to deferral eligibility. 

Shellpoint offered only a repayment plan, rather than properly evaluating the XXXX XXXX Payment Deferral, resulting in an improper denial of the correct loss mitigation option. 

We request : Supervisor-level reevaluation Correct application of XXXX XXXX XXXX XXXX Written resolution under RESPA Notice of Error rules Our XXXX XXXX case number is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy Court : Federal Reference # XXXX XXXX XXXX Bankruptcy XXXX : U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-07 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The accounts is XXXX XXXX- ( XX/XX/XXXX ) ( {$840.00} ) and the inquiry is XXXXXXXX XXXX ( XX/XX/XXXX ). I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and remove the accounts from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-11-07 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: CA

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 2025-11-07 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: GA

Complaint narrative:
I am very frustrated to see that inaccurate late payments are still showing up on my credit report today. Even after checking and refreshing, they have not been taken off. Please review the documents I provided immediately so that this stressful matter can finally be settled once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX placed or attempted to collect an XXXX XXXX XXXX  account on my credit report that I do not recognize. I have never opened or authorized an account with XXXX XXXX XXXX. I contacted the company and requested validation of the alleged debt and proof of their permissible purpose to access or report my credit information under FCRA Section 604. 

The company did not provide any documentation such as a signed contract, billing statements, or evidence showing that this account belongs to me. Despite failing to validate the debt, the account continues to appear on my credit report and has negatively impacted my credit score. 

I am requesting the CFPBs assistance to ensure that the company removes this unverified account and any related inquiries from all credit bureaus and ceases all collection activity unless they can provide proper validation.

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 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX placed or attempted to collect an XXXX XXXX XXXX  account on my credit report that I do not recognize. I have never opened or authorized an account with XXXX XXXX XXXX. I contacted the company and requested validation of the alleged debt and proof of their permissible purpose to access or report my credit information under FCRA Section 604. 

The company did not provide any documentation such as a signed contract, billing statements, or evidence showing that this account belongs to me. Despite failing to validate the debt, the account continues to appear on my credit report and has negatively impacted my credit score. 

I am requesting the CFPBs assistance to ensure that the company removes this unverified account and any related inquiries from all credit bureaus and ceases all collection activity unless they can provide proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B, FACTA, and 18 U.S.C. 1028. My personal data was used, sold, or traded without consent, resulting in fraudulent collection accounts on my credit reports. I request CFPB investigation and deletion of these unverifiable accounts under FCRA 605B.

Due to the government shutdown, I can not file an FTC report. I have uploaded a PDF, which includes a cover sheet, formal dispute letter, and evidence summary listing the accounts and legal citations. 

Please compel XXXX, XXXX, and XXXX  to block or delete all identity-theft-related items. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My initial dispute was ignored/ineffectively handled. TransUnion persists in its willful violation of the Fair Credit Reporting Act. 

The Inaccuracy Remains : My student loan account with XXXX XXXX, is still inaccurately reported. The servicer approved a forbearance for XXXX and XX/XX/XXXX due to receiving XXXX treatments, yet it is being reported in a manner that implies delinquency or mismanagement. 


TransUnion 's conduct has moved from negligent to " willful '' under the FCRA, as defined by the Supreme Court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). The Court held that a company acts in " reckless disregard '' of its statutory dutiesconstituting a willful violationwhen its actions are not only objectively unreasonable but also show an indifference to the law 's requirements. 

TransUnion 's actions are objectively unreasonable because : I provided irrefutable proof of the forbearance 's approved status, directly from XXXX XXXX. The company said they updated the account with Transunion on XX/XX/XXXX The other credit reporting agencies, XXXX  and XXXX, are reporting the information correctly, proving that accurate reporting is eminently possible. 

Its failure to correct the record after a direct dispute shows a conscious avoidance of its FORA-mandated duties. This " reckless disregard '' for maximum possible accuracy subjects Trans Union to liability for actual and statutory damages, as well as punitive damages. Furthermore, if the inaccuracy stems from XXXX XXXX furnishing conflicting data, it is in violation of its duties under the FCRA, 15 U.S.C. 1681s-2 ( b ). 

This is my final demand before initiating legal action. I have called several times and spoken to supervisors all who have not been able to assist. Attached are copies of the correspondence I received from 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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My XXXX credit card requires an annual fee of {$50.00} for a " XXXX XXXX '' brokerage account. XXXX uninlaterally closed my XXXX XXXX brokerage account in XXXX of this year ( 2025 ) without my authorization. But XXXX is still charging me a {$50.00} annual fee for this brokerage account, which I can no longer access. 

XXXX should either reimburse me for the annual fee or reinstate the account so I may use it. It is unfair for me to be paying an annual fee for an account I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NV

Complaint narrative:
I am reporting inaccurate and incomplete information on the XXXX collection account. The account is reported differently across all three bureaus. The Date of Last Activity is different on each bureau ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX ), which is a major inconsistency. The Data Furnisher also reports different creditor types to each bureau ( Collection Services, Bulk Purchase Finance, Factoring Companies ). 

Equifax does not report a balance at all, while TransUnion and Experian show {$500.00}. The payment status field displays a system error code ( NotsatisfyingF20_TR ) instead of a valid payment status. In addition, no payment history or delinquency history is reported on any of the XXXX bureaus, which is required to validate a collection. 

This reporting is inconsistent, incomplete, and unverifiable, violating FCRA 602 ( A ), 607 ( B ), and 611. I am requesting that the CFPB require the furnisher and credit bureaus to correct all errors or delete the tradeline entirely if the information can not be verified accurately.

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 2025-11-07 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: TX

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute certain late payment accounts on my credit report that I believe have been inaccurately reported. After reviewing my credit report, I noticed several discrepancies involving both open and closed accounts, which I believe are causing undue harm to my credit score. I kindly request that these inaccuracies be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 602, the Congressional Findings and Purpose of the FCRA are to ensure that credit reporting is accurate and fair. As such, I request that the information on these accounts be thoroughly checked and corrected if any inaccuracies are found. Given that these inaccuracies may have a significant impact on my financial future, I respectfully ask that you investigate these issues under the protections provided by the Fair Credit Reporting Act. Please conduct a complete review of these accounts, correct any errors found, and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute certain late payment accounts on my credit report that I believe have been inaccurately reported. After reviewing my credit report, I noticed several discrepancies involving both open and closed accounts, which I believe are causing undue harm to my credit score. I kindly request that these inaccuracies be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 602, the Congressional Findings and Purpose of the FCRA are to ensure that credit reporting is accurate and fair. As such, I request that the information on these accounts be thoroughly checked and corrected if any inaccuracies are found. Given that these inaccuracies may have a significant impact on my financial future, I respectfully ask that you investigate these issues under the protections provided by the Fair Credit Reporting Act. Please conduct a complete review of these accounts, correct any errors found, and update my credit report accordingly.

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