vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credee Corporation
State: LA

Complaint narrative:
To : XXXX XXXX / XXXX Attn : Compliance / Dispute Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : FCRA 611 Metro 2 / CIDA / CRRG-Compliant Verification, Correction, and Deletion Request Account in Dispute : - Charge Card Account # XXXX Closed Paid Issue Description : This account is currently reporting my outdated address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and may also report my name incorrectly as " XXXX XXXX. '' My full legal name is XXXX XXXX XXXX, and only this name should appear on all accounts. 

Requested Actions : 1. Immediately update my full legal name and current address to XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
2. Conduct a Metro 2 / CIDA / CRRG-compliant verification via e-OSCAR / ACDV.

3. Delete or remove this account if it can not be fully verified.

4. Correct all remaining account data for maximum accuracy.

5. Provide written confirmation of all updates and verifications to my current address.

6. Complete all actions within 30 days, per FCRA 611.

Fair Resolution Requested : I request that this account be fully investigated and corrected under Metro 2 / CIDA / CRRG standards. If the account can not be verified, it must be deleted. Written confirmation of all corrections or deletions must be sent to my current address. 

Supporting Documentation : - Proof of current address ( drivers license, utility bill ) - Account statement confirming closed/paid status - Copy of government-issued ID Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am providing an urgent update to my existing CFPB complaint ( Case # XXXX ) against Shellpoint Mortgage Servicing. The property faces an irreversible foreclosure deadline of XX/XX/year>. This date marks the expiration of the reinstatement quote and is only 21 days away. 
I. OBSTRUCTION DIRECTLY CAUSING FORECLOSURE RISK My inability to pay the mortgage and satisfy the {$5500.00} reinstatement quote is directly caused by documented, systemic family obstruction. 
The " Fake XXXX '' Obstruction : Family members admitted on XX/XX/year>, that they substituted a decoy phone for the decedent 's authentic device. 
Foreclosure Causation : The authentic device contains two-factor authentication ( XXXX ) codes necessary to access the bank accounts holding the funds required to cure the default. I sent a certified mail demand for the device and other assets on XX/XX/year>, but obstruction has continued for over 166 days. 
Irreparable Harm : The property, valued at {$1.00} XXXX with over {$400000.00} in net equity, faces permanent and irreversible loss if the XX/XX/XXXX deadline is missed. 
XXXX. SERVICER FAILURE TO RESOLVE SUCCESSOR-IN-INTEREST ( SII ) STATUS Despite my continuous good faith efforts and submission of documents starting in XX/XX/year>, Shellpoint has failed to formally recognize me as the Successor-in-Interest ( SII ). 
The servicer issued the XX/XX/XXXX deadline knowing the SII determination was incomplete and that I was unable to access the funds due to the documented obstruction. 
This failure to acknowledge my role and resolve the status is a violation of federal mortgage servicing regulations. 
XXXX. BAD FAITH EVIDENCE This obstruction is connected to a clear pattern of bad faith conduct. 
On XX/XX/year>, an attorney representing XXXX of the adverse parties admitted, via letter, to the unauthorized sale of a Trust vehicle. 
The proceeds of the sale, {$10000.00}, were deposited into a non-beneficiary 's personal account ( XXXX XXXX XXXX ), exposing the Trust to further asset dissipation. 
I have exhausted all reasonable self-help efforts. I am filing a related PC XXXX petition in Superior Court this week to compel the return of the authentic device and funds. 
I request the CFPB immediately investigate Shellpoint 's regulatory violation regarding the SII determination and use its authority to demand Shellpoint grant a 60-day forbearance extension on the XX/XX/XXXX deadline to allow the court proceedings to resolve the obstruction. This regulatory pressure is essential to protect the property from irreversible harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors.

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 2025-11-19 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX and XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XXXX XXXX, XXXX, and XX/XX/year>. The account in XXXX XXXX XXXX & XXXX XXXX  XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-19 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-11-19 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach:\nNames:XXXXAddress:XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXAccounts:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX 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 explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently across Experian, Equifax, and TransUnion, causing significant harm and confusion. Experian reports this account as Late Closed with a {$0.00} balance and a last activity date of XX/XX/XXXX, while TransUnion also reports it as Late Closed but lists a different open date of XX/XX/XXXX, and Equifax incorrectly reports it as Late Open with a last activity date of XX/XX/XXXX and a Current payment status. These conflicting representations demonstrate that the same account is simultaneously reported as both open and closed, violating FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ), FCRA 611 ( a ) ( right to dispute and requirement of reasonable reinvestigation ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty to provide accurate information ), and FCRA 609 ( a ) ( right to full disclosure of all information in my file ). I have the right to know how this account is being reported and to expect accuracy across all three bureaus. The continued reporting of these Late Open and Late Closed inaccuracies indicates a failure to meet statutory obligations, and I am requesting the CFPBs assistance to enforce compliance. These errors have created misleading and materially inconsistent information on my credit reports, affecting my overall credit profile, and despite my attempts to dispute these issues directly with the credit bureaus, the inaccurate data remains unresolved.

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 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Im not looking up the dates. I have 7 years paid ahead Mortgage with Wells Fargo, in XXXX NC they overdrafted my account XXXX dollars for rent. They have refunded money then withdrew it when I have no overdrafts set up on my account. Credit Cards have changed dates to make it look like I made late payments.

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 2025-11-19 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the account that XXXX XXXX  is reporting on my credit file XXXX. This account is being reported with two different balances, which is factually inaccurate and violates the FCRA requirement for maximum possible accuracy : Experian & TransUnion : {$750.00} Equifax : {$990.00} These conflicting balances are impossible to be simultaneously accurate and prove that the information being furnished is unreliable, incomplete, and not being maintained with proper procedures for accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, I contacted the alleged original creditor for verification, and they could not confirm or validate this debt. XXXX has also failed to provide any proof of ownership or supporting documentation. Because the information is unverified, inconsistent, inaccurate, and therefore misleading it must be removed under the Fair Credit Reporting Act.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
The company is falsely reporting on my credit report that a debt is owed to them. 
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions. 
There is not a contract between me and said company reporting and falsely reporting a debt is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
My personal information, including my Social Security Number, was exposed in the XX/XX/2021 XXXX data breach. After that breach, I noticed credit accounts, collections, and/or inquiries appearing on my credit report that I did not authorize or recognize. These accounts were opened or reported after the breach occurred. I believe these items may be the result of identity theft or unauthorized use of my information. I am requesting assistance in disputing and blocking these accounts and any related negative information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 disputing multiple inaccurate, conflicting, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion, including but not limited to the XXXX XXXX XXXX account, which is inaccurately reported as late closed with a {$0.00} balance ; the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, also reported as late closed with a {$0.00} balance ; and several charge-offs including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which show inconsistent balances across bureaus. The XXXX XXXX XXXX * * * * * * * * account is reported as a {$12000.00} charge-off without a 1099-C. In addition, multiple inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXXXX/XX/XXXX are inaccurately reported. These reporting errors violate my rights under the Fair Credit Reporting Act, including 1681e ( b ) requiring maximum possible accuracy, 1681i ( a ) entitling me to reinvestigation of disputed information, 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligating furnishers to report accurate information and correct errors, 604 ( a ) ( 3 ) ( A ) and 1681b ( f ) regarding permissible purpose and authorization for inquiries, 1681c for removal of obsolete negative information, 1681j and 1681k for accurate consumer identification and address reporting, and give rise to civil liability under 1681n and 1681o for willful and negligent violations. The inconsistencies and unverifiable information have caused demonstrable harm to my creditworthiness and financial reputation.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
I previously mailed a certified written dispute to XXXX  on XX/XX/XXXX ( certified mail tracking attached upon request ). That dispute included a copy of my IRS Form 1099-C issued by Discover Bank , canceling the balance on the account on XX/XX/XXXX in the amount of {$11000.00}. 

Once a 1099-C is issued, the debt is legally canceled. However, XXXX  is still reporting the account as Charge-off with an outstanding balance of {$11000.00}. This is inaccurate and misleading. Reporting a canceled debt as owed is a violation of FCRA 1681e ( b ) and 1681s-2 ( b ). 

I requested verification but received no validation from Discover and no correction from XXXX. I am requesting CFPB assistance to ensure the Discover tradeline is deleted or corrected to reflect a zero balance and closed status, in compliance with federal law. 

I will provide my certified mail receipt and 1099-C document upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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