vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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 2025-11-18 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: CA

Complaint narrative:
I am filing this complaint because an account is being reported on my credit file that I do not believe is accurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I requested a full reinvestigation from the company reporting the account. I asked them to provide all documentation they used to verify the account, including any original signed contract, application, account records, and proof of my written authorization permitting them to report this information. The company has not provided the documentation I requested, nor have they shown any proof that I authorized this account or its reporting. Without proper verification, the information should not continue to appear on my credit report.

I am requesting CFPB assistance to require the company to : Complete a proper reinvestigation, Provide full documentation supporting the account and proof of written authorization, and Delete the account from my credit file if they can not provide the required documentation.

Thank you for your help in resolving this matter.

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 2025-11-18 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: CA

Complaint narrative:
I am filing this complaint because an account is being reported on my credit file that I do not believe is accurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I requested a full reinvestigation from the company reporting the account. I asked them to provide all documentation they used to verify the account, including any original signed contract, application, account records, and proof of my written authorization permitting them to report this information. The company has not provided the documentation I requested, nor have they shown any proof that I authorized this account or its reporting. Without proper verification, the information should not continue to appear on my credit report.

I am requesting CFPB assistance to require the company to : Complete a proper reinvestigation, Provide full documentation supporting the account and proof of written authorization, and Delete the account from my credit file if they can not provide the required documentation.

Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, managed, or approved them. This is entirely unacceptable and reflects false, misleading information about my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts is deeply concerning.

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 2025-11-18 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:
FINAL NOTICE DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA 605B AND 623 I am submitting this Final Notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623 as a verified victim of identity theft. Your agency has already received multiple prior submissions containing my FTC Identity Theft Report, XXXX Police Report, government-issued ID, SSN, and proof of address. Despite receiving verified documentation, your agency has failed to block, delete, or suppress the fraudulent information as required by federal law. 

Under FCRA 605B ( b ), you were legally obligated to block all information related to the fraudulent accounts within XXXX ( XXXX ) business days of receiving my complete documentation. Your failure to act constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under XXXX. 

The following identity-theft accounts must be immediately and permanently blocked, deleted, and suppressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX These accounts were opened by an unknown individual using my stolen identity without my knowledge or consent, as documented in my FTC and XXXX reports. I have never authorized these applications, and your continued reporting of this fraudulent data is causing ongoing harm. 

I demand that your agency, in strict compliance with FCRA 605B ( b ) and 623 ( a ) ( 6 ) ( B ), do the following within four ( 4 ) business days of receipt of this notice : Permanently block all information related to each fraudulent account listed above.

Delete every record, inquiry, sub-file, or derivative data connected to these accounts.

Suppress future reappearance of these accounts as mandated by 605B ( c ) ( 1 ).

Notify all furnishers that this information is fraudulent and may not be re-reported. 

Provide written confirmation that the block, deletion, and suppression have been completed. 

This demand also applies to any additional fraudulent accounts referenced in my FTC or police reports, regardless of whether they currently appear in my file. Those items must be preemptively blocked to prevent violation of 623 ( a ) ( 6 ).

Failure to comply with this Final Notice will be treated as willful violation of federal law and may result in civil action seeking statutory damages, punitive damages, attorney fees, and all remedies available under 15 U.S.C. 1681n, 1681o, and related federal statutes. 

Please provide written confirmation of full compliance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-18 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
-Sometime in or before XX/XX/year>, SLS mortgage was taken over by Shellpoint Mortgage XXXX mortgage services ( " Shellpoint '' ). 
XXXX XX/XX/year>, my HELOC account was taken over by XXXX XXXX 
XXXX XX/XX/year>, I made my first payment to Shellpoint in the amount of {$2200.00}. 
-As evidenced in the monthly statements proceeding, Shellpoint failed to properly apply the {$2200.00} amount.

-Shellpoint made several calls asking me to pay the amount that was overdue, and failed to properly credit my account.

-Shellpoint incorrectly reported the principal amount of my HELOC account to all three credit bureaus.

-I was in the process of obtaining a loan, and was forced to make an overpayment to resolve the issue in a timely matter, as I COULD NOT and STILL HAVE NOT received a call back from Shellpoint to resolve this issue. 
-As a result of the overpayment, I have overpaid in interest from the period beginning in XX/XX/year> to the present. 
-I request full credit/refund to my account of the amount overpayment, plus interest for the entire time period the credit was not applied from XX/XX/year> to the present. 

Formal complaint letter to Shellpoint below : To Whom It May Concern, I am writing to formally dispute an issue regarding a payment I made to Shellpoint in the amount of {$2200.00} cleared on XX/XX/year> for the statement due on XX/XX/year>, which has not been credited to my loan account. The payment was submitted via online payment and was intended to cover my monthly HELOC payment. 

I have confirmed with my financial institution, xxxxx, that the payment was successfully processed and cleared on XX/XX/year>. Despite this, the payment does not appear on my loan account records. As a result, I received several calls notifying me that my payment was late, incorrect amounts reported to all three credit reporting bureaus, and a delay in refinancing and loan obtainment. Because of this, I was forced to make a payment due to the error on Shellpoint 's part, in order to quickly resolve this issue. 

I respectfully request that you investigate this matter promptly and ensure the payment is correctly applied to my account in the form of a credit, or a cash refund. Furthermore, my account should be credited the amount of interest paid on the overpayment amount from XX/XX/year> to the present. 

Please confirm receipt of this letter and notify me in writing once the issue has been resolved. Please find attachments enclosed. If further documentation is required, I will be happy to provide it. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-11-18 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: NC

Complaint narrative:
I am a victim of identity theft and national credit bureau data breaches ( Equifax and XXXX XXXX. Equifax Inc. continues to report fraudulent and inaccurate tradelines on my consumer credit report despite multiple disputes. These include : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have disputed these items multiple times. Equifax Inc. has failed to conduct a reasonable reinvestigation, continues to report them as valid, and has not provided documentation verifying their accuracy.

Violations Alleged Federal Law : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i : Failure to conduct a reasonable reinvestigation within 30 days.

1681n : Willful noncompliance.

1681o : Negligent noncompliance.

Damages Suffered Denial of credit and higher interest rates.

Denial of employment and housing opportunities.

Emotional distress, reputational harm, and financial costs incurred attempting to correct errors.

I request that the CFPB require Equifax Inc. to : 1. Delete all inaccurate accounts listed above.

2. Provide written confirmation of deletions/corrections.

3. Send updated reports to all entities that received my report in the past 6 months ( 2 years for employment ).

4. Provide documentation of the method of verification used.

5. Compensate me for damages sustained.

Authority Federal courts have recognized consumer rights to hold CRAs accountable for inaccurate reporting, including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ). 

Equifax Inc.s continued reporting of fraudulent accounts despite notice and dispute is unlawful. I request immediate regulatory intervention to enforce my rights under federal and Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I am a consumer filing a complaint against a debt collector, Williams & Fudge ( WF ), regarding debts originating from XXXX XXXX. The primary account number associated with this collection is XXXX ; however, older documents from XXXX show a conflicting account number of XXXX for the same debt. This is provided to assist in your investigation of the company 's documentation chaos. 

Debt Not Owed ( Federal Portion ) : I was covered by the 100 % Group Discharge due to XXXX 's fraud. I possess a letter from my servicer dated XX/XX/XXXX, confirming my federal loans now have a ZERO balance and have been discharged. WF is unlawfully collecting on this debt, violating my rights and the FDCPA.

Predatory Private Loan : WF is also pursuing a related institutional loan that is void due to the school 's fraud and its predatory 18 % APR, as confirmed by the original Promissory Note. Historical documents ( dated XXXX ) show WF collected excessive interest on this account, with the balance increasing by over {$1100.00} in one year. 

Collection Activity/Refund : WF was actively taking payments of {$25.00} until XX/XX/XXXX. The total amount paid to WF is approximately {$5100.00}.

Desired Resolution : I demand that the CFPB compel Williams & Fudge to immediately cease all communication and collection efforts and refund the approximately {$5100.00} paid to them on this unenforceable debt.

Supporting documents are being mailed immediately to the CFPB, referencing the Case Number I receive upon submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This account ( Kimball & Tirey St. John, Account XXXX ) is being reported illegally and inaccurately. It is a joint account wrongly listed as individual. Delinquent XX/XX/XXXX, last payment XX/XX/XXXX, originally closed XX/XX/XXXX. It was falsely reported as reopened in XX/XX/XXXX and closed again in XX/XX/XXXX, yet it continues to report inaccurately with unknown/erroneous data. Balance ( {$4300.00} ) is incorrect with evidence of email stating owed is {$4000.00}. I am a XXXX victim and submitted a police report to Kimball & Tirey . This reporting violates the Fair Credit Reporting Act ( FCRA ) and my rights under XXXX. I demand this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a XXXX party filing this complaint. am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

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 2025-11-18 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:
My name is XXXX XXXX XXXX and this is not a XXXX party filing this complaint. am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XXXXXX/XX/year> GM Financial issued a written settlement offer that promised to close my account and update regarding the settled status to the applicable credit reporting agencies if I paid {$24000.00} by XX/XX/year>. I paid {$24000.00} on XX/XX/year> and provided proof of payment. Despite this, GM Financial failed to report the account as settled and left an incorrect balance on my credit reports for over a year. After CFPB contacted them, GM Financial updated the account but reported it as charged off : paid in full for less than balance, which is not the settled status promised in the settlement letter and is more damaging to my credit. This was not a repossession, my vehicle was totaled and this was a contractual settlement. I request that GM Financial correct all credit reports to show Settled Paid as Agreed ( or Settled with {$0.00} balance ), remove any charge-off coding or inaccurate remarks, and provide written confirmation that this correction has been made.

Company response to consumer: Closed with non-monetary relief