vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am a victim of fraud/identity theft. I did not authorize XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/year> and XXXX XXXX opened XX/XX/year>, to run my credit and add anything to my report. Please delete/ remove this inquiry off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Loan XX/XX/XXXXXXXX I have been working with Shellpoint Mortgage Servicing since they took over my mortgage. I have applied for a loan modification several times. Each time we were informed the application was rejected due to the packet not being complete. We would re-initiate the process. The mortgage Servicing portal doe not allow you to make payments while you are trying to work out a modification. This is unfair to us as it only shows us falling further and further behind and is not accurate. In the meantime each time you start the application for the loan modification you have to start all over again. You can never reach your alleged single point of contact and every representative you speak to gives you inaccurate or different information. it is extremely frustrating and unfair to me as a person who is trying to keep her home. A home that we have lived in, upgraded and " owned '' for more than XX/XX/XXXX years. If they really were interested in helping out, why not extend the length of the loan so we can keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inquiries that I do not recognize or believe to be authorized. TransUnion has not provided adequate verification despite prior disputes. 

XXXX. Charged-Off / Collection Accounts ( TransUnion is currently reporting no charged-off accounts for me in this dispute list. ) I request that TransUnion confirm that no inaccurate charged-off accounts appear on my report, and if any do, that they be verified or removed. 

XXXX. Inquiries ( TransUnion ) The following inquiries are appearing on my TransUnion report and are believed to be unauthorized : XX/XX/XXXXXX/XX/year> XXXX XX/XX/year> XXXX Bank XX/XX/year> Page XXXX XX/XX/year> XXXXXX/XX/XXXX XX/XX/year> I have never provided authorization for these companies to access my credit report. TransUnion has not provided sufficient proof of consent. 

I request complete verification for each inquiry or removal of any that can not be supported by proper legal authorization.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: MA

Complaint narrative:
Dear XXXX XXXX XXXX : Cfpb : I am filing a formal FCRA dispute regarding XXXX XXXX XXXX reporting of Account XX/XX/XXXXXXXX. The information being furnished is inaccurate, incomplete, and can not be verified. Santanders documents and payment ledger contain inconsistencies in dates, balances, reversals, fees, deficiency amounts, and post-repossession accounting. These defects make the reporting misleading and not in compliance with the maximum possible accuracy standard under FCRA XXXX ( b ). 

XXXX claims the reporting is accurate but conducted no meaningful investigation of the specific disputed items. A blanket verification fails the furnishers duty under XXXX ( b ). Federal courts confirm that a furnisher must conduct a reasonable investigation and can not rely on unverified internal records : XXXX v. XXXX ( reasonable investigation required ) ; XXXX XXXX XXXX ( can not rely on flawed internal data ) ; XXXX v.XX/XX/XXXX ( XXXX info must be deleted ). 

Continuing to report disputed, incomplete, or inconsistent data violates the FCRA. XXXX v. XXXX & XXXX holds that furnishers may not continue reporting disputed information that is misleading or unverifiable. XXXX v. XXXX XXXX. confirms that misleading or incomplete reporting is legally inaccurate. 

Because XXXX has not validated the accuracy of the information and their own documents contradict the reported data, the account is legally unverifiable. The continued reporting after disputes constitutes violations of XXXX ( b ), XXXX ( a ), and XXXX ( b ). These inaccuracies have caused credit harm, denials, and adverse decisions.

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 2025-12-08 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am disputing the accuracy of the information reported by TransUnion. I request a thorough investigation and correction of the following items if they are found to be inaccurate. 

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

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 2025-12-08 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: AR

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: TX

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

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 2025-12-08 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint because Columbia Debt Recovery continues to harass me, contact me repeatedly, and attempt to collect a debt that I do NOT owe and is not legally owed to them. 
Columbia Debt Recovery obtained my personal information, including private account data, from the original creditorinformation that was sold, transferred, or disclosed without my authorization and without lawful authority. The date they acquired information shows as XXXX, amount : {$8300.00} the company is reporting a collection item due to them from me, in which I never had an agreement with Columbia Debt Recovery nor agreed to have my personal data transferred to any other debtor consenting to the sale of my social security number, address, and sensitive personal data. 

This situation involves serious legal violations. 
Columbia Debt Recovery : Is pursuing a debt I do not owe Has refused to provide valid proof of ownership Continues to call, text, email, and send notices Has failed to cease communications after dispute Is knowingly attempting to collect on a fraudulent, invalid, or improperly assigned debt This violates : FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt FDCPA 807 ( 3 ) False representation that an account was transferred lawfully FDCPA 808 Unfair collection attempts FDCPA 809 ( b ) Failure to validate debt upon request The original creditor transferred or sold my private, personally identifiable information ( PII ) to Columbia Debt Recovery without my consent, and for a debt they had no right to transfer.

This violates federal consumer privacy laws : Fair Credit Reporting Act ( FCRA 602A, 604, 607, 623 ) prohibits unauthorized sharing of consumer information Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to protect consumer data and restrict disclosure FTC Act 5 prohibits unfair or deceptive data practices State privacy and data breach laws ( varies by state ) My private information was mishandled, sold, or shared without legal purpose and without permissible intent, which is a direct violation of my consumer rights.

Despite disputing the debt, Columbia Debt Recovery continues to : Contact me repeatedly Threaten further action Attempt to force me to pay a debt they can not prove This is harassment under : FDCPA 805 ( c ) Contact after written dispute is prohibited FDCPA 806 Harassment and abuse FDCPA 807 Deceptive practices FDCPA 809 Failure to cease collection without proper validation They are legally required to stop all collection efforts until they provide valid verification. They have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I lost my job at the end of XXXX. I am not sure of the exact date, but I called Ally and told them I lost my job and would like a deferment. The agent said yes and assured me it was completed. The following month I tried to make a payment ( as usual ) I could not make it online so I called. I asked the lady about my deferment she said she could see in her notes that I asked. However, again it did not go through and she would take care of it. In XXXX I tried to go into the app to pay again I had to call in. This time a gentleman said that if I paid {$720.00} it would keep my car out of collections or repossession I paid the money. At the end of XXXX I went into the app and could not pay Allys agent said that my car is out for repossession and I have to pay the full amount. I asked what that meant the agent I will know after I turn in the car. Ally has been deceitful despite my being honest and trusting that they would work with me at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Please remove these unauthorized accounts from my credit report, as they are not connected to me. I also request a prompt investigation to identify and correct any additional inaccuracies.

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 2025-12-08 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: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the following inaccurate accounts appearing on my credit report. These entries are reporting incorrect information and must be investigated and corrected immediately under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX Acct XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$550.00} Late Payment This late payment is inaccurate. I never made any late payments on this account. Please verify the full payment history and correct this error. 
XXXX. XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2400.00} Charge Off I have no knowledge of this account. I never opened or used this account, so this charge-off should be removed immediately. 
XXXXXXXX XXXX XXXXcct : XXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Charge Off I do not recognize this account. This information is inaccurate and must be deleted after verification. 
XXXX. XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$3700.00} Late Payment The reported late payment is incorrect. I always paid on time. Please investigate and correct the payment history. 
I request a full investigation and correction or deletion of all inaccurate data within the timeframe required by law. Please send me written confirmation once the investigation is complete.

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 2025-12-08 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: AL

Complaint narrative:
I am a consumer working to fix my credit report and have noticed several discrepancies across my reports from the three credit bureaus : XXXX Experian, and XXXX Below, I have outlined the accounts in dispute, including charged-off accounts, inquiries, positive accounts, and late payments. I respectfully request an investigation of these items to ensure the accuracy of my credit report. 

Charged Off : 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

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