vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
This account is being reported as a charge-off with an outstanding balance of {$810.00}, despite three previous disputes having been submitted with no meaningful reinvestigation or corrective action taken. This is unacceptable and constitutes a willful violation of my rights under federal consumer protection laws.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) which requires a reasonable reinvestigation of any disputed information that is incomplete or inaccurate. If you have failed to perform a bona fide reinvestigation and continue reporting unverifiable or outdated data, then you are in continued violation of FCRA compliance standards Furthermore, if this account was charged off and claimed as a loss, I demand proof that a 1099-C Cancellation of Debt was issued. If no such document exists, then this debt has not been legitimately written off, and the reporting is both misleading and inaccurate under 15 U.S. Code 1681e ( b ).

Additionally, I dispute the accuracy of the status comments such as : Charged off as bad debt Unpaid balance reported as a loss by the credit grantor Meets FCRA requirements Charge off being listed every month for two years is misleading and causing my credit report and myself financial harm Date of last activity is different on all three CRAs if pulling from the same source, how can this be true?

Date opened is listed different on all three CRAs how can this be possible if pulling from the same source These boilerplate remarks are not proof of accuracy, nor are they a substitute for a legitimate reinvestigation. They appear designed to skirt your legal obligation to correct or delete unverifiable information under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). If XXXX XXXX can not verify this account with proper documentation, it must be 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 2025-07-24 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: PA

Complaint narrative:
This account is being reported as a charge-off with an outstanding balance of {$810.00}, despite three previous disputes having been submitted with no meaningful reinvestigation or corrective action taken. This is unacceptable and constitutes a willful violation of my rights under federal consumer protection laws.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) which requires a reasonable reinvestigation of any disputed information that is incomplete or inaccurate. If you have failed to perform a bona fide reinvestigation and continue reporting unverifiable or outdated data, then you are in continued violation of FCRA compliance standards Furthermore, if this account was charged off and claimed as a loss, I demand proof that a 1099-C Cancellation of Debt was issued. If no such document exists, then this debt has not been legitimately written off, and the reporting is both misleading and inaccurate under 15 U.S. Code 1681e ( b ).

Additionally, I dispute the accuracy of the status comments such as : Charged off as bad debt Unpaid balance reported as a loss by the credit grantor Meets FCRA requirements Charge off being listed every month for two years is misleading and causing my credit report and myself financial harm Date of last activity is different on all three CRAs if pulling from the same source, how can this be true?

Date opened is listed different on all three CRAs how can this be possible if pulling from the same source These boilerplate remarks are not proof of accuracy, nor are they a substitute for a legitimate reinvestigation. They appear designed to skirt your legal obligation to correct or delete unverifiable information under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). If XXXX XXXX can not verify this account with proper documentation, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc.
State: PA

Complaint narrative:
On my background report, charges that I haven't even went to court for yet. Have shown up on it. I thought that pending charges where the person was not found guilty or not guilty yet. Weren't supposed to be shown on background reports, as there was no judgment made. That's not fair. It shouldn't show up. Because I am innocent of those charges, and now it doesn'matter, if I'm innocent of those charges, because you guys allowed pending charges to determine me as guilty. Now XXXX XXXX  automatically assumed that I'm guilty. Those charges shpuld be taken off and then l the whole situation fixed please because this is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the account reported by XXXX XXXX XXXX ( Account # : XXXX ), which is inaccurately reflecting a late payment on my credit report. The account has already been paid, and the reported late payment occurred during a time I was affected by a natural disaster, which temporarily disrupted my financial stability and ability to make timely payments. 

Despite the hardship and full payment, the account is still being reported with a negative late payment remark, which is unfair and damaging to my credit history. I have contacted the credit bureaus and included supporting documentation, but the issue has not been corrected. 

I am requesting the CFPB 's assistance in having this inaccurate late payment remark investigated and removed from my credit report, as it does not reflect the current status or the context of my situation.

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 2025-07-24 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:
I recently accessed my credit report and discovered several fraudulent accounts and unauthorized inquiries that I did not initiate or authorize. These accounts and inquiries are seriously damaging my credit score and financial stability. I am a victim of identity theft, and I have no association with the companies or creditors reporting these items. 

Despite not opening or using these accounts, they are being reported under my name and causing significant harm to my ability to obtain credit or manage my financial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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. 



List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

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 XX/XX/year> -- {$580.00}

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
A mortgage servicer ( NewRez/Shellpoint ) has manufactured a situation by which their mortgagee ( XXXX XXXX XXXX XXXX has intentionally and unnecessarily been put into a position to lose his residence/home. Payments, that have been accounted for and documented as paid ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) are being discounted by the mortgager, themselves, even though their own system has acknowledged that there were payments made on the dates that the mortgager alleges that were not paid. I can personally verify that there were payments made on the dates that Shellpoint asserts were not. The Financial Institutions that were managing the accounts that the payments, themselves, were drawn from have not, at any time, affirmed, or identified that an insufficiency, or deficit existed that would have facilitated returned payments. As such, a question pertaining to the actual whereabouts of an amount of around {$2700.00} dollars ( the amount that Shellpoint asserts that XXXX XXXX did not submit/pay ) now persists, as the banks that Shellpoint asserts refused payment because of insufficiency, have not retained, or been able to locate the amount itself. 

As an individual personally associated with the aforementioned accounts, themselves, the assertions that Shellpoint has made can not realistically be verified, as I have personal knowledge of the payments, themselves, being made by XXXX XXXX and of the sufficient nature of funding THAT WAS PRESENT during the periods that XXXX XXXX submitted payments for the months that Shellpoint alleges were not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance {$11.00} XXXX XXXX XXXXXXXX Balance {$8100.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Dear Equifax Dispute Department, I am writing in response to your XX/XX/XXXX letter regarding my recent request to dispute inaccurate information on my credit file. As instructed, I am submitting the required documentation to verify my identity and current address. Enclosed you will find : A copy of my Social Security card ( Category XXXX : Identification ) A recent utility bill from XXXX XXXX listing my current address ( Category XXXX : Current Address ) Additionally, I am enclosing XXXX ( XXXX ) Fraud Affidavit Reports that detail fraudulent accounts that were opened in my name without my knowledge or consent. These accounts were the result of identity theft and I dispute their inclusion on any credit profile associated with me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I formally request that Equifax : 1. Block and permanently delete all fraudulent accounts listed in the enclosed affidavits from my credit file. These accounts were not authorized by me and are the result of identity theft. 
XXXX. Remove and delete any duplicate or unauthorized credit profiles associated with my name or Social Security number, including any accounts or profiles tied to the email address XXXX. I previously contacted Equifax by phone on Thursday and requested immediate deletion of this email and any associated compromised profiles. 
XXXX. Ensure that only XXXX valid profile remains : Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Furthermore, under the FCRA 609 ( e ), I request : Free credit monitoring services for a minimum of XXXX year, due to the proven identity theft. 
Daily access to my credit file for the next 12 months to monitor for additional fraud or unauthorized activity. 

Please ensure this request and supporting documents are handled with urgency, and confirm receipt in writing to my mailing address above or via my confirmed email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of Social Security Card Spectrum Utility Bill ( Current Address ) XXXX Fraud Affidavit Reports Original Correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

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 XXXXXXXX XXXX/XXXX/XXXX -- {$900.00} XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX -- {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$230.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I recently reviewed my credit file and discovered a late payment notation that I believe to be inaccurate. I have always been diligent about meeting my obligations on time, and there is no evidence to support the delinquency in question.

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 2025-07-24 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: GA

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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
There is an inaccurate and unauthorized account reported under my name. This account does not belong to me and is believed to be fraudulent.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-24 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief