vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct.

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run 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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
RE : COMPLAINT ID XXXX Shellpoint / Newrez is claiming that I need to provide copies of the front and back of cancelled checks for the months of XXXX and XX/XX/scrub> 2024. 

Shellpoint XXXX Newrez is aware that those payments were made electronically from my bank, the XXXX XXXX XXXX XXXX  Shellpoint XXXX Newrez is aware, or should be aware, that electronic payments do not have " front and bank '' copies of " cancelled checks '' We've previously provided XXXX XXXX of Shellpoint / Newrez compliance department with all of 2024 checking account statements as well as a detailed list of 2024 electronic payments showing transit numbers. 

Shellpoint / Newrez continues to claim that those were payments were never received when in fact they were. Shellpoint / Newrez is liable for any damages caused by misrepresenting to the credit reporting agencies that we are behind in our payments

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 2025-05-29 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-29 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: OR

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OR XXXX Please delete and block the following accounts from my credit report Accounts UNKNOWN - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/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 2025-05-29 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: VA

Complaint narrative:
I am disputing the account information reported on my credit report because it is incorrect and unverifiable. I never agreed to the debt being transferred or collected by the current debt collector, and I requested validation of the debt, but they failed to provide sufficient proof that the debt is valid or belongs to me. 

Despite my attempts to resolve this directly with the creditor and the collection agency, the incorrect information remains on my credit report, causing damage to my credit score and financial well-being. 

Furthermore, the debt collector has illegally contacted my family and friends, disclosing private financial information, which has caused me severe emotional distress and financial hardship. 

I have previously disputed this item with the credit reporting agency, but the dispute was denied despite the lack of proper validation. 

I am requesting that the inaccurate account information 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 explanation
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
I am disputing the account information reported on my credit report because it is incorrect and unverifiable. I never agreed to the debt being transferred or collected by the current debt collector, and I requested validation of the debt, but they failed to provide sufficient proof that the debt is valid or belongs to me. 

Despite my attempts to resolve this directly with the creditor and the collection agency, the incorrect information remains on my credit report, causing damage to my credit score and financial well-being.

Furthermore, the debt collector has illegally contacted my family and friends, disclosing private financial information, which has caused me severe emotional distress and financial hardship.

I have previously disputed this item with the credit reporting agency, but the dispute was denied despite the lack of proper validation. 

I am requesting that the inaccurate account information 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 2025-05-29 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX has reported a fraudulent account on my credit report without my knowledge, authorization, or consent. I am a victim of identity theft and have already submitted an FTC Identity Theft Report and filed a police report, both of which are attached to this complaint. 

Despite sending XXXX a written dispute and providing them with copies of both reports, they have failed to provide proper validation of the alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to validate debts upon request. 

Furthermore, XXXX continues to furnish this inaccurate and fraudulent information to credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ). Under this section, a data furnisher is required to investigate disputes, correct inaccuracies, and cease reporting unverifiable or fraudulent accounts. XXXX has not fulfilled these obligations. 

I am requesting that this account be immediately removed from my credit reports and that the CFPB take action to ensure XXXX complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Have reached out to original creditor who will not speak with me, and refer me to debt collector. Debt collector- Contacted and unable to reach resolution. Verify account as valid which is impossible. Contacted TXXXX XXXX XXXX XXXX DIsputed accounts- verified as valid. This is NOT my account.

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 2025-05-29 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: MI

Complaint narrative:
I have a closed XXXX account. There were multiple charges from XXXX and XXXX. In both cases services were paid for with XXXX XXXX but not received. In addition XXXX received personal data illegally from XXXX which included a fraudulent FBI report indicating false past illegal activity. In both cases the merchandise purchased, a XXXX for XXXX XXXX from XXXX and from XXXX XXXX XXXX were not provided. As services were not provided we can not be held liable. Under FTC regulations it is unlawful to make credit decisions using illegally obtained personal data such as a criminal background check without first obtaining written consent from the party. The charges listed if applied to the account from the date of the transaction exceed the balance due being reported of about {$7700.00}. As a result we demand each credit reporting agency immediately remove this.

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 2025-05-29 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: MI

Complaint narrative:
I have a closed XXXX account. There were multiple charges from XXXX and XXXX. In both cases services were paid for with XXXX XXXX but not received. In addition XXXX received personal data illegally from XXXX which included a fraudulent FBI report indicating false past illegal activity. In both cases the merchandise purchased, a XXXX for XXXX XXXX from XXXX and from XXXX XXXX XXXX were not provided. As services were not provided we can not be held liable. Under FTC regulations it is unlawful to make credit decisions using illegally obtained personal data such as a criminal background check without first obtaining written consent from the party. The charges listed if applied to the account from the date of the transaction exceed the balance due being reported of about {$7700.00}. As a result we demand each credit reporting agency immediately remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-05-29 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 letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX U.S.C. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX U.S.C. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX U.S.C. XXXX ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX U.S.C. XXXX ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate and outdated personal info on my 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 2025-05-29 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: NV

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
JetBlue issued me XXXX refunds for XXXX per ticket. JetBlue and I provided refund dates, transaction numbers, credit card information. They are telling me it will take XXXX billing cycles to approve. I need the money

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 2025-05-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Torriere Holdings INC
State: FL

Complaint narrative:
On the date of XX/XX/year> at XXXX XXXX, in an attempt to collect a debt, they had sent automatic messages to both my email and my employer 's phone, I had let it go the first time because they had sent a STOP message already from my employer 's phone to XXXX XXXX XXXX. This morning as of XX/XX/year> at XXXX am, they sent yet another text message to the same number with the STOP notice already provided. I will not have a debt collector start to contact my employer over a debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 have asked this credit recovery agency to remove the collection from my credit report numerous times. The original timeshare company was informed legally of the divorce and provided with the XXXX XXXX XXXX that gave me no access to the property, and therefore no liability. My ex-husband has all access as well as liability so this should have been removed from my credit. XXXX even acknowledges that this was no longer my responsibility. However, XXXX XXXX is adamant that this stay on my credit for a property I have no legal access. They are fully coercing a fraudulent payment. I have contacted Transunion numerous times and they do not help.

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 2025-05-29 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: LA

Complaint narrative:
Open date XX/XX/XXXX creditor -CB/XXXX  balance {$240.00}. 

XXXXDOFED Creditors - open date XX/XX/XXXX balance - {$3600.00} XXXX/DOFED -creditor- date opened XX/XX/XXXX balance {$2100.00} XXXX  -creditor open day XX/XX/XXXX balance {$17000.00} XXXX XXXX XXXX XXXX open Balance {$3300.00} XXXX XXXX open XX/XX/XXXX Balance {$270.00} XXXX filled a dispute with the credit bureau and didnt get a response. I also filed as a victim of identity theft

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