vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX Balance : {$12.00}

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 2025-04-14 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: GA

Complaint narrative:
Apon checking the 3 major credit reporting agencies Equifax, Experian, and Transunion I noticed several accounts that have been in charged/written off status, yet they have a current balance. Once an account is considered written off it has been paid in full by the said company, meaning I should not have a past due or current balance. I have requested the 1099C form from all companies since the accounts are showing charged/written off. Under 15USCode1681b these accounts should not be showing up on my credit report nor should these agencies be reporting them. This is a form of fraud since there is a balance showing. I have disputed this and nothing has changed. That is why I am reaching out

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 2025-04-14 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: GA

Complaint narrative:
Apon checking the 3 major credit reporting agencies Equifax, Experian, and Transunion I noticed several accounts that have been in charged/written off status, yet they have a current balance. Once an account is considered written off it has been paid in full by the said company, meaning I should not have a past due or current balance. I have requested the 1099C form from all companies since the accounts are showing charged/written off. Under 15USCode1681b these accounts should not be showing up on my credit report nor should these agencies be reporting them. This is a form of fraud since there is a balance showing. I have disputed this and nothing has changed. That is why I am reaching out

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB MANAGEMENT SERVICE HAS LISTED TWO DEBTS CLAIMED TO BE OWED ON MY 3 MAJOR CONSUMNER CREDIT REPORTS. PLEASE REVIEW EXHIBIT A & B. NCB HAS BEEN ADDING AND DELECTING AND READDING THE ACCOUNTS TO MY CREDIT REPORTS WHICH IS CAUSING MY CREDIT SCORE TO FLUCTUATE DAMATICALLY. PLEASE SEE EXHIBITS C & D. IN ADDITION, I HAVE BEEN RECEIVING NUMEROUS UNWANTED PHONE CALLS FROM NCB MANAGEMENT SERVICES ( SOME ATTACHED ) EVEN ON SUNDAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 


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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 


I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing regarding Loan, a home equity loan that was fully paid off on XX/XX/year>. 

Despite the loan being satisfied in full and Shellpoint having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information. 

I have contacted Shellpoint multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though Shellpoint is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report. 

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require Shellpoint to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, XXXX, and XXXX. 

Thank you for your assistance and time. 

Sincerely, 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 2025-04-14 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 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:
I am filing this complaint to report identity theft and demand the immediate removal of fraudulent and duplicate accounts from my credit report. The accounts in question are listed under XXXX XXXX with the same account number ( XXXX ) and the same date opened ( XX/XX/year> ). I did not open or authorize these accounts. 

I have already mailed my FTC Identity Theft Report, a formal affidavit, and copies of my government-issued ID to the credit bureau and/or furnisher, but I have not received any response or resolution. This delay is unacceptable and is causing continued harm to my credit. 

These inaccurate and unauthorized entries are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of fraudulent information in a timely manner once proper documentation is submitted. The presence of these accounts also violates my rights under Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information.

I am requesting that the Consumer Financial Protection Bureau intervene to ensure : 1. Immediate deletion of the fraudulent XXXX XXXX accounts. 

2. Written confirmation that my credit file has been corrected.

3. A thorough investigation into the failure to respond or act on my prior identity theft documentation. 

This is an urgent matter, and I am requesting swift action to prevent further damage.

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 2025-04-14 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:
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 Subject : Formal Dispute of Unauthorized Accounts Under FCRA To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I recently obtained a copy of my credit report and discovered two unauthorized accounts listed under XXXX XXXX XXXX  that I did not open, authorize, or consent to in any way. 

The disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  These accounts were opened without my knowledge or permission, and I believe they are the result of identity theft. I have never had any credit relationship with XXXX XXXX XXXX. 

In accordance with FCRA Section 611, I am requesting that Experian : 1. Investigate these accounts promptly ; 2. Remove or correct all inaccurate and fraudulent information related to these accounts ; 3. Provide me with a written confirmation of the outcome of your investigation ; 4. Send me an updated copy of my credit report reflecting any changes made.

Attached to this letter, please find the following documents to support my claim : A copy of my government-issued photo ID A recent utility bill or official document confirming my address A copy of my credit report with the disputed accounts highlighted A copy of the police report filed with the XXXX XXXX Police Department A copy of my FTC Identity Theft Report Under FCRA Section 605B, I also formally request that these fraudulent accounts be blocked from appearing on my credit report due to identity theft.

Please complete your investigation within the required 30-day timeframe, and inform me in writing of the results and actions taken. If you require additional information to process this dispute, please contact me at the number or address listed above. 

Sincerely, 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : 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 I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made.

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : 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 I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made.

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report 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 non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

account # 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 2025-04-15 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: FL

Complaint narrative:
The high balance history on account # XXXX, which includes {$2300.00} from XX/XX/XXXX to {$2700.00} from XX/XX/XXXX and {$3000.00} from XX/XX/XXXX to XX/XX/XXXX, 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.

Thank you for your assistance.

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief