vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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  - XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
We have a blanket mortgage with Shellpoint covering three four-plex parcels in XXXX, AZ. We recently sold one of the parcels and requested a full accounting of how Shellpoint applied the sale proceeds to reduce the loan balance. Our understanding is that 100 % of the funds should have been applied toward principal and the loan recast, but Shellpoint unilaterally determined an arbitrary reduction amount without explanation. 

Despite multiple requests, Shellpoint has not provided any response or documentation. Additionally, they charged a {$10000.00} prepayment penalty on a property we have owned since XXXX. We have repeatedly asked for an explanation and calculation of this penalty, but they have failed to respond. 
This has caused significant financial harm. After selling one of the three parcels, weve lost one-third of our rental income, yet Shellpoint still requires us to pay the full monthly mortgage payment of over {$7400.00}.

We are concerned about improper loan servicing practices and request the Departments assistance to : 1. Investigate Shellpoints handling of the loan payoff and recast.

2. Require a full accounting of the sale proceeds and prepayment penalty.

3. Ensure compliance with Arizona lending regulations.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I disputed this XXXX XXXX credit card tradeline multiple times by certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025 ). Each time, I requested the original signed contract, complete and itemized account history, and proof of XXXX XXXX lawful authority to furnish this tradeline under the Fair Credit Reporting Act. 

XXXX XXXX has not provided any of these documents. Their only response was a stack of billing statements, which does not satisfy my request for validation or a reasonable investigation. They have not produced a signed agreement, itemized ledger, or proof of ownership/authority. 

Despite failing to validate, XXXX XXXX continues to report this tradeline as derogatory to the credit bureaus. This is a violation of FCRA 1681i ( failure to conduct a reasonable investigation ) and 1681s-2 ( b ) ( continuing to furnish unverifiable information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
after reviewing my credit report noticing the inaccuracy bankruptcy listed i reach out several times to the experian and trans union to removed or delete the bankruptcy because of the inaccuracy information and unverifiable info that is being reported. 

i have ask them several times the method use to verify this bankruptcy and they refuse to send me anything or refuse to validate. this information is being reported incorrectly and is causing harm to myself and my family well being. its causing me to be denied of credit and the loss of major contracts with my line of work costing me over {$100000.00} per contract. this have cause major harm to my household.

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 2025-08-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 : XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX 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 2025-08-27 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 2025-08-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
The following is the letter that was sent to XXXX XXXX. No response has been made to my request. Amount is {$1100.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, 2025 Jefferson Capital SystemXXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt ValidationAccount/Reference Number : XXXX Dear Jefferson Capital SystemXXXX XXXX This letter is sent in response to your claim regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I hereby request validation of this debt. Specifically, please provide the following : The original contract bearing my signature. 
The name of the original creditor and the exact balance owed, including all fees and interest. 
A complete itemized breakdown of how the alleged amount was calculated. 
The full payment history on this account. 
The complete chain of custody/assignment, showing proof of transfer and your legal authority to collect. 
The name of the entity/individual who verified this debt and proof of that verification. 
Documentation establishing that your agency is legally licensed/authorized to collect in my state. 
Be advised that until this debt is properly validated, you must cease all collection efforts, including reporting to any credit bureau. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
If you can not provide the requested documentation, you must immediately cease all collection activities and remove any related information from my credit report. 
I expect your response within XXXX  days of receipt of this letter. Please note that this is a request for information only and does not constitute an acknowledgment or acceptance of any debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX 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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( XXXXXXXX XXXX XXXXXXXX ), I am writing to dispute the following collection account that appears on my recent credit report : * XXXX XXXX Name : XXXX XXXX Account XXXX * Amount : {$350.00} * Date of XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXXXXXX XXXX  Amount : {$2700.00} * Date of Account : XX/XX/XXXXXXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor/Collection Agency Name : XXXXXXXX XXXX Account XXXXXXXX XXXX Amount : {$5900.00} * Date of XXXXXXXX XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXXXXXX XXXX Amount : {$660.00} * Date of Account : XX/XX/XXXX * Creditor/Collection Agency Name : XXXX XXXX  Account XXXXXXXX XXXX Amount : {$1500.00} * Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section XXXX ( XXXX XXXX. XXXX ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-08-27 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: FL

Complaint narrative:
Fraudulent account reporting on my credit and Equifax and the creditor XXXX has yet to remove and stop reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I am filing a complaint regarding XXXX repossessions being reported by Bridgecrest on my credit reports with XXXX XXXX XXXX XXXX The accounts in question are : Bridgecrest Account XXXX XXXXXXXX Bridgecrest Account XXXX XXXX These repossessions are being reported inaccurately and incompletely. After the repossessions, I did not receive any of the required post-sale notices or deficiency balance statements, as mandated under the XXXX XXXX XXXX ( XXXX XXXX and XXXX ). These notices are essential to ensure a consumer is properly informed of the disposition of the vehicle and any remaining balance after the sale. 

Because I never received these legally required notices, the reporting of these repossessions is incomplete and can not be verified as accurate. This failure constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and state contract law. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Bridgecrest and the credit reporting agencies to : XXXX. Provide documented proof that the required post-sale notices were sent to me in compliance with XXXX provisions. 
XXXX. If such proof can not be produced, direct the credit reporting agencies to remove these repossessions from my credit reports pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Ensure that Bridgecrest and the credit bureaus comply with all consumer protection laws regarding fair and accurate credit reporting. 

I am enclosing copies of my identification and proof of address, along with supporting correspondence, for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$2600.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Received an email from " Experian '' my XXXX XXXX went down. Did not try to log in via email provided link, instead went to web provided link, which showed no change to XXXX XXXX. Tried contacting Experian to report problem but was unable to be connected to anything but an AI " assistant ''.

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 2025-08-27 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A scammer took over this account and racked up over {$12000.00} worth of charges. I disputed this with my credit card issuer, and after investigation, I won the dispute. All charges were reversed, and I was not held responsible. Upon viewing the changes on the credit report, I see that the balance was altered to reflect the winning of the dispute, but the status of the account listed on my credit report still has me in a negative status. Showing late payments, charge-off status, and closing of the account, all of which are connected to the investigation into the {$12000.00} in charges. I requested that the credit furnisher adjust the status as well as the payment history. I was told they could not, and I would have to reach out to the Credit reporting agencies to have the file deleted. But the account belongs to me, so a deletion is only granted when the account is verified as OPENED in fraud. Which it was not. This is causing my interest rates to rise on other obligations I have open. I am requesting a deletion of the account, OR an adjustment to show there is no derogatory, delinquent, or charge-off status attached to the account.

Company response to consumer: Closed with explanation