vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I reached out mid XX/XX/year> because I was denied credit. I was reviewing my credit bureaus and seen that XXXX of my credit bureaus XXXX  and equifax are both showing my XXXX students loans current. On Experian shows that all XXXX student loans have been reporting delinquent for a while now. I filed a dispute with experian. I seen that the accounts were updated but they refused to send me a copy of the results of the dispute investigation. Based of my communication with the student loan servicer XXXX advised they reported correctly said it was on experian side. Now that my loans have been updated. I am requesting them to be removed due to the FCRA because it is the responsibility of not also the credit bureaus but the servicers to be accurate on the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX a non-negotiable line of credit was opened with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/Shellpoint/NewRez/XXXX unlawfully , fraudulently or erroneously attempted to assign this line of credit instrument as a mortgage instrument.

Lines of credit ( HELOCs ) and mortgages are two different financial instruments. 

XXXX XXXX XXXX XXXX XXXX XXXXShellpoint/NewRez/XXXX lacks standing to foreclose since they can not provide proof of a mortgage contract agreement because none never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am a victim of identity theft, there are fraudulent addresses, names and accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
am submitting this complaint regarding Equifax 's continued reporting of unauthorized hard inquiries on my credit report despite having submitted a formal dispute in XX/XX/XXXX. I provided Equifax with a list of inquiries for which the furnishers confirmed no permissible purpose, no signed application, and no authorization from me. Equifax failed to delete these inquiries or to verify them through acceptable documentation.

This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b Inquiries were made without a permissible purpose.

15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable data must be deleted. 

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I requested copies of any original documentation used to justify these inquiries.

15 U.S.C. 1681s-2 The furnishers are responsible for reporting only authorized data.

15 U.S.C. 1681i ( a ) ( 7 ) I requested method of verification and received no proper explanation.

15 U.S.C. 1681c-1 These inquiries present identity theft risks.

Additionally, Equifax has relied on automated systems ( e-OSCAR ) for reinvestigation, which courts have found to be inadequate : Burke v. Experian, 2011 WL 1085874 ( E.D. Va. ) Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) This behavior also conflicts with recent regulatory actions : CFPB v. Experian Info. Sols. Inc., No. 8:25-cv-00024 ( C.D. Cal., Jan. 7, 2025 ) CFPB Order Against Equifax , Jan. 17, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: OH

Complaint narrative:
In XX/XX/year>, I was behind on rent with XXXX XXXX. A representative named XXXX XXXX contacted me and offered a written agreement via email : if I vacated the home in XXXX, XXXX would forgive my past-due balance, stop eviction proceedings, and remove the debt from collections. The email also mentioned relocation assistance funds, though I am not requesting that money now. I fully complied and vacated the home on XX/XX/year>, as instructed. However, XXXX is now refusing to honor this agreement because they claim I did not sign itbut their agent never provided the agreement for me to sign, despite my willingness to proceed. This failure was not on my part. As a result, a collection account for {$9100.00} has been reported to the credit bureaus under XXXX This is unfair and misleading. I fulfilled my end of the agreement, and XXXX failed to provide the necessary document to finalize the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
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 anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
To Whom It May Concern, I recently checked my Experian credit report and found several hard inquiries that I didnt authorize. I did not apply for credit with any of these companies, and I believe someone used my information without my permission. 
Here are the inquiries Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove all of these inquiries from my report. I'm attaching my ID, proof of address, XXXX, and my FTC Identity Theft Report. 
Thanks for your help in fixing this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
Reference : XXXX, XXXX, XXXX. I was getting constant calls from XXXX XXXX XXXX, out of XXXX XXXX, XXXX. I logged every single one. I was excessive, so I filed a complaint. Now, out of nowhere, I get letters from another company - Client Services , Inc. - trying to collect on XXXX alleged debts. They're also in XXXX XXXX XXXX  XXXX this time. What are the odds? Looks like they either bought the debt from XXXX XXXX or got it handed off to them behind closed doors. I want to know : Did Client Services get my personal information from XXXX XXXX? Who owns the alleged debt- was it purchased or just assigned? If assigned, what are they getting paid to go after me? Why did I never get proper validation before getting hounded?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
A collection account from a company named XXXX XXXX showed up on my Equifax credit report, and I never gave them permission to report anything under my name. I have no relationship with this company, never signed anything, and didnt authorize them to collect or share any information about me. This is hurting my credit, and I already submitted an FTC report about it. Please remove this immediatelythis is not mine and was added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are XXXX inquiries which XXXX of them have a removal date of XXXX and XXXX .. those XXXX inquiries are still on my credit file and I have called consistently in XX/XX/XXXX to have them removed. The only one that XXXX currently waiting to be removed are the XXXX that are left that have a removal date of XX/XX/XXXX. As soon as XX/XX/XXXX is here I should have XXXX inquiries.. I have been told to call the companies but we are currently in XXXX so all past inquiries should BE REMOVED..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are XXXX inquiries which XXXX of them have a removal date of XXXX and XXXX .. those XXXX inquiries are still on my credit file and I have called consistently in XX/XX/XXXX to have them removed. The only one that XXXX currently waiting to be removed are the XXXX that are left that have a removal date of XX/XX/XXXX. As soon as XX/XX/XXXX is here I should have XXXX inquiries.. I have been told to call the companies but we are currently in XXXX so all past inquiries should BE REMOVED..

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 2025-04-16 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: MS

Complaint narrative:
I am writing to formally report a violation of the Family Educational Rights and Privacy Act ( FERPA ) involving the unauthorized disclosure of my education records, which has negatively affected my credit report. 

Specifically, XXXX XXXX disclosed information related to my student loan or education status to a third party, including a credit bureau or loan servicer, without my written consent or proper legal basis. This disclosure has resulted in inaccurate or harmful information being reported on my credit file. 

Under FERPA, my educational recordsincluding enrollment status, financial aid details, and academic standingare protected and can not be shared without my consent, except under limited exceptions which I believe do not apply in this case. 

I respectfully request an investigation into this matter, removal of any improperly shared data from my credit report, and a formal response outlining the steps taken to address this violation. 

Thank you for your attention to this serious issue.

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 2025-04-16 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: CA

Complaint narrative:
I am writing to formally dispute the validity of a collection account reported by XXXX XXXX XXXX XXXX on my credit report. This agency is not authorized to collect debts in the state of California, as required under the CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore has no legal standing to report or collect this alleged debt. 

Additionally, XXXX XXXX XXXX XXXX is not in compliance with federal and state credit reporting laws, including provisions under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Fair Debt Collection Practices Act. 

Due to these violations and the agencys unauthorized status in XXXX I am requesting the immediate deletion of this account from my credit report with all credit bureaus. 

Please consider this a formal demand to remove the inaccurate and unverifiable item from my credit profile 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 2025-04-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-16 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: SC

Complaint narrative:
After a recent review of my credit report, I noticed a fraudulent account on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trading securities on my behalf and reporting inaccurate information my credit reports without mu permission or knowledge or consent. Please remove the fraudulant account from my credit report. it is tarnishing my creditworthiness and crippling my ability to obtain credit. I have also attached a picture of my ID.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I found a XXXX  XXXX credit card account on my credit report that I didnt open. The account number is XXXX. It shows it was opened around XX/XX/year>, and theres also a hard inquiry from XXXX XXXX dated XX/XX/year>, which I never approved. 
I did not apply for this credit card and have no connection to this account. Someone used my information without my permission. 
Please remove this account and the related inquiry from my credit report. Im including my ID, proof of address, SSN, and FTC Identity Theft Report. 
Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX ( Cardholder ) Regarding : Dispute with Cheapflightsfares and Best Buy Credit Card Services Date : XX/XX/XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am the primary cardholder of the Best Buy credit card used to purchase a XXXX XXXX XXXX for my daughter, XXXX XXXX, through the website XXXX  on XX/XX/XXXX. The booking reference number is XXXX, and the total amount charged was {$380.00}. The flight was scheduled for XX/XX/XXXX, on XXXX XXXX ( confirmation number XXXX ) from XXXX XXXX XXXX XXXX ) to XXXXXXXX XXXX XXXX XXXXXXXX ) with a layover in XXXX ( XXXX ). 

Unfortunately, due to an unforeseen emergency her father contracted XXXX my daughter XXXX was XXXX to travel. She contacted XXXX in advance to cancel the trip and request a credit or refund, but she was met with unresponsiveness. Multiple calls were not answered. Eventually, we had no choice but to file a dispute through Best Buy credit services because no assistance was provided by the merchant. 

After the dispute was filed, a representative from XXXX finally responded and advised canceling the dispute in order to proceed with the refund. We complied in good faith. However, after doing so, XXXX refused to issue a credit or refund and then refused to provide the required letter of dispute reversal that Best Buy needed to continue processing our claim. 

As a result, Best Buy denied the dispute, citing the lack of a reversal letter. Despite providing documentation that my daughter was a no-show and had called to cancel, both parties refused to assist us. Furthermore, we purchased travel protection insurance for {$30.00}, which also yielded no reimbursement or service despite the situation. 

This has caused undue stress and financial burden for a flight that was never taken, and for which we attempted to take proper action to cancel and seek fair resolution. We believe this conduct by XXXX and Best Buy credit card services is unfair and deceptive. We are seeking a full refund or at least a flight credit in the amount of {$380.00}, which remains unresolved to this day. 
I made multiple calls on multiple days and Ive wrote multiple emails the dates in XX/XX/XXXX, day XXXX, XXXX, XXXX Despite the fact that I started making multiple phone calls in XXXX to XXXX till XX/XX/XXXX We respectfully request your assistance in investigating this matter and holding the responsible parties accountable. Please see attached documentation including the ticket confirmation, itinerary, and cost breakdown. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
EDFINANCIAL SERVICES has flagged my loan account as a 90 days past due on XXXX XXXX XXXX without a past 30 or 60 days past due warning and DOGE has violated FERPA by accessing my student data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

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 anguish 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 explanation
Consumer complaint received 2025-04-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a documented victim of identity theft and submitted an FTC Identity Theft Report ( Ref. No. XXXX ) and a notarized affidavit. Innovis is reporting multiple unauthorized accounts on my file, including charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not open or authorize these accounts. These entries are damaging my credit, were never initiated by me, and violate the Fair Credit Reporting Act. 

I submitted a full dispute packet with : FTC report Notarized affidavit Declaration of harm Government-issued ID, SSN, and proof of address A highlighted copy of my Innovis report showing all disputed accounts I am requesting immediate blocking and deletion of all fraudulent accounts under FCRA 605B, and removal of all incorrect personal information under FCRA 611. 
I am not requesting a fraud alert or victim notation. My goal is a clean, unrestricted report.

Company response to consumer: Closed with non-monetary relief