vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: WV

Complaint narrative:
In reviewing my recent credit reports, I found that several accounts are still being reported inaccurately and remain unverified, even after I submitted multiple disputes directly to Experian, XXXX, and XXXX. Despite my repeated requests earlier this year to have these accounts properly validated, the credit bureaus continued to verify information that is inconsistent, incomplete, or unsupported by documentation from the original creditors. Several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are still showing charge-offs and collections that have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors have damaged my credit standing, and the bureaus have not provided proof of verification or explained the method used to confirm these accounts, even though I have sent multiple written disputes and supporting evidence. I have followed every required procedure and given each bureau sufficient time to reinvestigate, yet the inaccurate information remains on my 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 2025-11-05 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: WV

Complaint narrative:
In reviewing my recent credit reports, I found that several accounts are still being reported inaccurately and remain unverified, even after I submitted multiple disputes directly to Experian, XXXX, and XXXX. Despite my repeated requests earlier this year to have these accounts properly validated, the credit bureaus continued to verify information that is inconsistent, incomplete, or unsupported by documentation from the original creditors. Several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are still showing charge-offs and collections that have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors have damaged my credit standing, and the bureaus have not provided proof of verification or explained the method used to confirm these accounts, even though I have sent multiple written disputes and supporting evidence. I have followed every required procedure and given each bureau sufficient time to reinvestigate, yet the inaccurate information remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : XXXX XXXX XXXX XXXX Balance : {$560000.00} XXXX BANK XXXX XXXX Balance : {$620.00} XXXX & XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws. 
Violations of Federal Law Fair Credit Billing Act 15 U.S.C. XXXXb : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision. 
Gramm-Leach-Bliley Act 15 U.S.C. XXXX : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data. 
Fair Credit Reporting Act 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard. 
FCRA 15 U.S.C. XXXX : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes. 
FCRA 15 U.S.C. XXXX and XXXX ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Formal Notice of Identity Theft Reinserted Fraudulent Accounts Violations of FCRA 605B, 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ) I am writing as a verified victim of identity theft to demand the immediate removal of fraudulent accounts that were previously deleted from my credit file but have been reinserted without proper verification or required notice.Your agencys reinsertion of these fraudulent accounts Creditor / Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date reported XXXXXXXX constitutes multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including : 605B ( 15 U.S.C. 1681c2 ) : Failure to block identity theft-related information upon receipt of a valid Identity Theft Report.

1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

1681i : Failure to conduct a lawful reinvestigation and provide written notice of reinsertion within 5 business days, as mandated by 1681i ( a ) ( 5 ) ( B ).

623 ( a ) ( 1 ) ( A ) : Furnishing information knownor that should be knownto be inaccurate.

These actions have caused measurable harm to my credit reputation and emotional distress. I am preparing to pursue civil remedies, including punitive damages, as provided under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) for willful and negligent noncompliance.

Accordingly, I demand that you : Immediately and permanently delete all fraudulent and reinserted accounts.

Provide written confirmation of deletion within 5 business days of receipt of this letter.

Identify in writing the source ( s ) of the reinsertion and the entity that certified the validity of the disputed accounts.

Notify all third parties who have accessed or received my inaccurate credit information in the past XXXX months ( or XXXX years for employment purposes ) of the corrected record, as required under XXXX ( d ). 

Please treat this letter as a formal and final demand for compliance with all applicable provisions of the FCRA. Continued noncompliance will result in inclusion of your agency as a named respondent in pending civil litigation seeking compensatory and punitive damages.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Notice of Identity Theft Reinserted Fraudulent Accounts Violations of FCRA 605B, 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ) I am writing as a verified victim of identity theft to demand the immediate removal of fraudulent accounts that were previously deleted from my credit file but have been reinserted without proper verification or required notice.Your agencys reinsertion of these fraudulent accounts Creditor / Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date reported XXXXXXXX constitutes multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including : 605B ( 15 U.S.C. 1681c2 ) : Failure to block identity theft-related information upon receipt of a valid Identity Theft Report.

1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

1681i : Failure to conduct a lawful reinvestigation and provide written notice of reinsertion within 5 business days, as mandated by 1681i ( a ) ( 5 ) ( B ).

623 ( a ) ( 1 ) ( A ) : Furnishing information knownor that should be knownto be inaccurate.

These actions have caused measurable harm to my credit reputation and emotional distress. I am preparing to pursue civil remedies, including punitive damages, as provided under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) for willful and negligent noncompliance.

Accordingly, I demand that you : Immediately and permanently delete all fraudulent and reinserted accounts.

Provide written confirmation of deletion within 5 business days of receipt of this letter.

Identify in writing the source ( s ) of the reinsertion and the entity that certified the validity of the disputed accounts.

Notify all third parties who have accessed or received my inaccurate credit information in the past XXXX months ( or XXXX years for employment purposes ) of the corrected record, as required under XXXX ( d ). 

Please treat this letter as a formal and final demand for compliance with all applicable provisions of the FCRA. Continued noncompliance will result in inclusion of your agency as a named respondent in pending civil litigation seeking compensatory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$6300.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting a review of the following items on my credit report. Please verify the accuracy of these accounts and remove any that can not be properly verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: NC

Complaint narrative:
Experian is currently displaying multiple items on my credit report that appear to be incorrectly reported or not verifiable as required by the FCRA. 

Charged Off Accounts XX/XX/XXXX Acct : XXXXXX/XX/XXXXXX/XX/XXXX {$3300.00} XXXX Acct : XXXXXX/XX/XXXX XX/XX/XXXX {$13000.00} XX/XX/XXXXXXXX Acct : XXXXXX/XX/XXXXXX/XX/XXXX {$18000.00} I dispute these charge-off designations and amounts. I request Experian verify all details with the original creditor and remove any entry that can not be fully substantiated. 

Late Payment Reporting XXXXXX/XX/XXXX ( duplicate entry noted ) 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 2025-11-05 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: IL

Complaint narrative:
Assure that the removal of disputed accounts occurs as mandated by statute.

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 2025-11-05 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 have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance company refuses to debit my XX/XX/2025 car note payment from my checking account giving me excuse after excuses. The payment is just just sitting in my account. I deposited the car payment on XX/XX/2025 in the amount of {$360.00} and as of date it is yet in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
I am disputing a collection account listed on my credit report for {$3100.00} by CCRSI. This account was reported without my knowledge, notice, or validation, which is a direct violation of my rights under the FDCPA and FCRA. 

As this is a medical debt, it is further protected under HIPAA. The collection agency has no legal right to report this debt without HIPAA-compliant verification, which they have not provided. By reporting this account, they have violated my federal rights and caused potential harm to my credit. 

I demand that CFPB investigate and take action to ensure this account is : Removed from all credit reports immediately. 

Not allowed to impact my credit in any way. 

Documented in writing as removed. 

This account is illegally reported and must be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Equifax, TransUnion, and Experian have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Violations include but are not limited to the following : 15 U.S.C. 1681, Section 602 ( a ) : I have the right to privacy and confidentiality. My private consumer information has been unlawfully shared and reported without my consent.

15 U.S.C. 1681b ( 604 ( a ) ( 2 ) ) : A consumer reporting agency may not furnish a consumer report without my written instructions. I have not provided such authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : A consumer reporting agency is prohibited from reporting obsolete or unlawful information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A furnisher of information may not knowingly provide inaccurate or unverifiable information to a consumer reporting agency.

Despite these clear statutory protections, the following accounts and/or inquiries have been reported in violation of my rights : [ List accounts/inquiries here include creditor names, dates, and account numbers if applicable ] These actions constitute repeated violations of my consumer rights and have caused harm to my financial and personal well-being.

I am demanding : The immediate removal of the above-listed accounts/inquiries from my credit file.

A full investigation into the unlawful reporting and furnishing of my private consumer information. 

Written confirmation of compliance with my FCRA rights. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take enforcement action as necessary to ensure compliance with federal law.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XXXXXX/XX/XXXX 2025 A tree fell on my home. I made an insurance claim through XXXX XXXX. I submitted all checks received from XXXX to Shellpoint as I got them in. In XXXX I started to call them to get funds released. They said i need to pay for and have a third party inspection company to be scheduled before any draw. The company they said had to use was called " XXXXXX/XX/XXXX. '' XXXX would not respond to us or to Shellpoint for XXXX weeks. Finally and Inspection was complete. '' supposedly as soon inspection was received draw was to be released. Took another XXXX weeks to get additional draw as it apparently " was lost in mail room per shellpoint supervisor '' The next couple of draws went the same way. Then in early XX/XX/2025 final inspection was completed showing 95 % complete and 100 % completion was filed on XXXX. Since then I have tried to reach out Shellpoint and still same story, Waiting on payment processing times of XXXX business days to write a check.XX/XX/XXXX months later and still Haven't sent me the remaining money due to me. I have incurred monetary damages, late fee 's, interest and Attorneys Fee 's due the delays on behalf on shellpoint and the loss draft team. I have spoken to management by email and phone atleast XXXX times. They tell you payment is coming and then it doesnt. They play tricks and games to avoid remitting the money in escrow. To date they still have not sent the remaining insurance money for a project that was completed in XXXXXX/XX/XXXX 2025. 

Shellpoint Loan ID XX/XX/XXXXXXXX Loss Draft Processer 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 2025-11-05 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: DE

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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