vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bankruptcy notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-30 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-09-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am formally disputing the reappearance of a XXXX  XXXX XXXX account that was previously deleted from my credit report after it was proven to be the result of identity theft. This account does not belong to me and should have never been reinserted. 

I have already filed a police report, submitted my documentation through IdentityTheft.gov, and received acknowledgment and approval confirming that this account was fraudulent. In addition, I have filed this matter in court. These actions are more than sufficient proof under the Fair Credit Reporting Act ( FCRA ) that this account is fraudulent and must be permanently removed. 

The fact that this account was placed back on my credit file is not only inaccurate but also a direct violation of consumer protection laws, including but not limited to : FCRA XXXX ( 15 U.S.C. 1681i ) Mandates that disputed and fraudulent accounts must be corrected or deleted promptly.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know is inaccurate.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block fraudulent accounts upon receipt of an identity theft report. 

I am demanding the immediate and permanent deletion of this XXXX  XXXX XXXX account from my credit file. If this account is not removed without delay, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing further legal remedies for damages caused by this reckless reinsertion. 

This account was fraudulent, it was proven, it was deleted and it must not appear again. Consider this notice a final demand for correction. 

Enclosed are copies of : My police report regarding identity theft IdentityTheft.gov documentation and confirmation Prior correspondence regarding the removal of this account Failure to act will result in legal escalation. I expect written confirmation of this deletion within 15 days of receipt of this letter.

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 2025-09-30 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: EQUIFAX, INC.
State: IN

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.

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 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 non-monetary relief
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
To whom it may concern : These negative items in my credit profile can't be true! They must have been misplace or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on!! ! The claims that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about meDocument that you have complied with the reporting requirements, and report without any deviations. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as CRRG states Any deviations from these standards jeopardize data integrity. " With that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogetherYou have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX, XXXX acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
To whom it may concern : These negative items in my credit profile can't be true! They must have been misplace or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on!! ! The claims that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about meDocument that you have complied with the reporting requirements, and report without any deviations. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as CRRG states Any deviations from these standards jeopardize data integrity. " With that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogetherYou have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX, XXXX acct # : 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 2025-09-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom it May Concern,\n\nThis letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report.\n\nIf the accounts in question cant be fully verified, validated and documented with proper evidence as required by the FCRA, they must be deleted promptly. Continued reporting of unverifiable or inaccurate accounts is a direct violation of federal law.\n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.\n\nTherefore, I demand deletion of any negative accounts that fail to meet the legal standard of complete and verifiable accuracy.\n\nPlease provide me with written confirmation of the results of your investigation within 30 days, as required under the FCRA.\n\nSincerely,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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage was with Shellpoint Mortgage and was transferred to another servicer XXXX XXXX  around end of XX/XX/year>. I have been making all my payments on time so nothing is due from my end or I am not delinquent. 

In XXXX, I pulled my credit reports and noticed a drop of XXXX points across all XXXX credit bureaus because both Shellpoint and XXXX are being reported as active and with pending amounts ( my total loan balance show double of what I actually owe contributing to the lower credit score ). 

I called Shellpoint several times to fix this issue but in vain. They have me going in circles from Shellpoint to XXXX to the credit reporting agencies and still no concrete responses. 

I believe it is the responsibility of Shellpoint to communicate accurately to the credit reporting agencies that my loan with them was closed or has {$0.00} balance, but they continue to deny and ask me to wait 60 days before I can reach back out. 

I have also disputed this with the credit agencies but that usually takes 30 days, until which time, my credit score is going to be lower than what it must be for no fault of mine. How do we hold these companies accountable for such acts?

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