vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: NY

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I disputed this account ( XXXX XXXX  XXXX XXXX * * * * ) because I never authorized it to be reported ( violation of XXXX XXXX XXXX XXXX ( XXXX ) ). I clearly explained this in my dispute letters and provided supporting details, yet TransUnion failed to properly respond. I received a response from them, dated XXXX XXXX stating that the accounts I disputed were verified as accurate. But the response didnt include the details I specifically asked for, which are required under the Fair Credit Reporting Act. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), TransUnion must perform a reasonable reinvestigation when a consumer disputes any item of information in their file. XXXX reply just said the account was VERIFIED, but didnt explain how. That doesnt meet the legal requirements. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), Im supposed to get a full description of the procedures used during your investigation. I asked for specific things : the name and contact info of the original creditor or furnisher, the name of the person who verified the information, a copy of the original application with my wet signature, a statement under penalty of perjury from the verifying party, and a breakdown of how TransUnion ensures maximum possible accuracy under XXXX XXXX XXXX XXXX ( b ). None of that was provided. Just saying something is verified without proof doesnt meet the law. Also, this account isnt even showing on my Experian or Equifax reports, which makes me question how accurate it really is. Im also requesting more information about how their investigation was done. That includes the identity and role of the representative they contacted, when and how that communication happened, what contact details were used, who at TransUnion handled my case, their job title and training background, and copies of any written communication with the furnisher. 
At this point, the lack of proper verification or supporting documents suggests TransUnion is not complying with FCRA requirements. This could fall under negligent or even willful noncompliance, both of which are violations under XXXX XXXX XXXX XXXX. If TransUnion cant verify the item with the proper evidence, then it needs to be removed from my credit report right away. Since I did not receive a full and proper response, I am now asking the Consumer Financial Protection Bureau for your assistance in making sure this matter is resolved and my rights under the FCRA are enforced.

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 2025-05-12 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ JPMCB HOME PARTIAL ACCT # XXXX ] - Account Number : [ XXXX XXXX ] - Credit Reporting Agencies : [ XXXX XXXX XXXX XXXX  ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/XXXX  BALANCE- ] -Date Closed : [ XXXX ] This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.XXXX 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days. - 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency. - 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately listedXXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignmentXXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit report within XXXX business days : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX A retail credit account with XXXXXXXX XXXX  opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX These accounts were not opened by me, authorized by me, or initiated by me in any form. They are the result of identity theft and fraud. I have attached my consumer XXXX credit report, which documents the fraudulent items, as well as the FTC Identity Theft Report # ( private case number ) to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My bank, XXXX, and other entities have been hacked with all my information. I received a letter from Comenity Capital Bank, dating XX/XX/2025, stating that I needed to finish processing my XXXX  XXXX XXXX to XXXX  credit card application. I have never heard of either XXXX XXXX credit card or Comenity bank and Never applied for a credit card from either places. Phone numbers on the letter do not match up with the website phone numbers. I called and they are sending a report to the XXXX Credit Bureaus. I already have a lock on them. I am concerned that there maybe other cards opened in my name. What else can I do to stop this fraud?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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 writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC XXXX ), filed on ( FTC XX/XX/XXXX ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I refinanced my home in XX/XX/XXXX. My first payment was due to XXXX XXXX on XX/XX/XXXX. Before my first payment was due I received a letter stating my loan would be serviced by Shellpoint effective XXXX. 

I tried making a payment XXXX but was neither XXXX XXXX or Shellpoint would take my payment. On XXXX I called XXXX again and they told me I owed for XXXX and XXXX. I made a payment that day for both months. 

XXXX then sold my loan to shellpoint effective XX/XX/XXXX. XXXX applied my XXXX payment then transferred the remaining balance ( XXXX XXXX ) and the loan to Shellpoint. Shell received the funds on XX/XX/XXXX and also applied that balance to XXXX! 

Shellpoint then proceeded to call me every other day trying to collect for my XXXX payment- I explained what happened and they opened a case. That case has been closed out XXXX with no action taken. 

I ended up having to make additional payment because Shellpoint was threatning to charge me late fees and ding my credit. 

To summarize. I have made XXXX payments over XXXX  months to avoid getting penalties or have my credit damaged. Shellpoint applied a payment to XXXX even though XXXX XXXX already received a payment for XXXX. 

The loan transferred on XX/XX/XXXX and there is no reason for them to apply a payment that was already paid to a previous month. 

Shellpoint servicing has the worst escalation team I have ever had to deal with. XXXX  months of ongoing issues - i provided my previous statement from the previous lender. My bank statements and these people believe it is perfectly fine for me to pay XXXX mortgage payments over a XXXX  month time frame and XXXX getting credited XXXX. 

They don't care about their customers and it has been XXXX  months no resolution from them. My next step is calling a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Transunion and Equifax were notified that they were reporting an unverified medical collection which has since been deleted by XXXX. There was a CFPB complaint sent directly to the company in which they stated that all of the accounts associated with their company would be removed. The CFPB complaint id is XXXX. I am demanding that account XXXX from XXXX XXXX XXXX is deleted immediately. Medical collections can no longer report, and there is no original creditor listed. XXXX has already deleted this account after the collection agency could not verify this information. If this account is not deleted in 4 days, I will seek monetary relief from both Equifax and Transunion.

Company response to consumer: Closed with non-monetary relief