vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I disputed the unauthorized credit reporting by XXXX, XXXX, and XXXX  XXXX  to TransUnion, Equifax, and Experian. XXXX previously confirmed in writing they would cease reporting, but instead improperly reported my account as 'charged off, ' after the account was already reflecting closed. XXXX and XXXX  XXXX  failed to provide proof of authorization or clear disclosures after I formally requested them, violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX further failed to substantiate the existence of the claimed debt. I request CFPB assistance in correcting these inaccuracies and removing unauthorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the unauthorized credit reporting by XXXX, XXXX, and XXXX  XXXX  to TransUnion, Equifax, and Experian. XXXX previously confirmed in writing they would cease reporting, but instead improperly reported my account as 'charged off, ' after the account was already reflecting closed. XXXX and XXXX  XXXX  failed to provide proof of authorization or clear disclosures after I formally requested them, violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX further failed to substantiate the existence of the claimed debt. I request CFPB assistance in correcting these inaccuracies and removing unauthorized reports.

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 2025-06-17 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: TX

Complaint narrative:
RE : Formal Dispute XXXX Charged-Off Account ( FCRA 611 & 605 ) To Whom It May Concern, I am formally disputing the following charged-off account that is inaccurately and unfairly reporting on my credit file. I am requesting that this account be investigated and permanently removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Account XXXX : - Creditor : XXXX - Address : XXXX XXXX XXXXXXXX, XXXX, DE XXXX - Phone : ( XXXX ) XXXX - Date Opened : XX/XX/XXXX - Last Payment : XX/XX/XXXX - Reported Date : XX/XX/XXXX - Status : Charged-Off / In Collections - Original Balance : {$730.00} - Credit Limit : {$500.00} This account has been charged off and continues to negatively impact my credit file, despite being beyond any useful or lawful purpose. Under * * FCRA 611 * *, I am requesting a reinvestigation of this item, and unless full legal verification can be provided, the item must be * * deleted * *. Furthermore, under * * FCRA 605 ( a ) * *, charged-off debts can not be reported indefinitely and must be removed if they no longer meet compliance guidelines. 

This debt has already been written off by the creditor and is no longer collectible through standard means. Its continued presence is inaccurate, outdated, and damaging. I request immediate deletion from my credit file.

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 2025-06-17 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: NM

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

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 2025-06-18 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: NY

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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to formally express my frustration and concern regarding Shellpoint Mortgage 's failure to report my mortgage payments to the three major credit bureaus. Despite contacting your representatives multiple times over the past several months, no action has been taken to correct this issue. 

Additionally, my mortgage balance is being incorrectly reported. My actual balance is approximately {$490000.00}, yet your records show that I owe {$560000.00}. This inaccurate reporting is not only affecting my credit but also causing significant stress and negatively impacting my mental health.

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 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
This is an official notice to Harris & Harris XXXX LTD. Account # XXXX. File # XXXX. I am A victim of Identity Theft, I did not open or consent to open this account you claim is mine. I have attached a police report, FTC id theft report as well as my government pic Id to support my claim. Please delete this fraudulent account from my name and credit report number. FCRA Sec 605B the law said you have 4 days to block this Fraudulent account off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-06-17 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: Checkr, Inc
State: AZ

Complaint narrative:
I was disqualified from multiple driving platforms ( including XXXX and XXXX XXXX ) due to an inaccurate background report generated by Checkr and XXXX XXXX. These reports included a false claim that I had a XXXX  of XXXX or higher, even though the certified Arizona MVR ( originating jurisdiction ) explicitly states No XXXX  Available and confirms I was never charged, tested, or convicted of any XXXX. 

I was subject to a routine traffic stop, which led to an administrative alcohol screening. I passed the screening, no alcohol was found in my system, and there were no charges filed. However, due to the legal requirement that all alcohol screenings be listed on a motor vehicle report, an " Administrative Per Se No BAC Available '' entry was added to my Arizona MVR. 

New Mexico a state I had moved away from later misreported this same incident as if it occurred there, falsely attaching a " XXXX  XXXX '' entry to my record. This was not supported by any court, jurisdiction, or documentation. 

This false information was picked up by background check vendors ( Checkr, XXXX ) and presented to XXXX and XXXX, causing them to suspend and disqualify me from earning income, despite : My Arizona driver 's license being fully valid No legal charges ever being filed No evidence or XXXX  result on record To date, I have not received any pre-adverse action notice, final notice, or summary of rights, as required by FCRA Section 1681m. I only discovered the adverse decisions after deactivation, with no meaningful chance to respond.

Ive repeatedly submitted evidence, including my Certified Arizona MVR, to Checkr and XXXX. XXXX support refuses to escalate the case, closes tickets without resolution, and continues to rely on the incorrect information. 

This is a clear violation of my rights under the Fair Credit Reporting Act and has led to a loss of income, damage to reputation, and blocked me from opportunities I am legally eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent accounts from my credit report. I've noticed that while some fraudulent accounts have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent accounts. Please find below a list of the accounts I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent accounts from my credit report. I've noticed that while some fraudulent accounts have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent accounts. Please find below a list of the accounts I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
I am filing this complaint against TransUnion for failing to protect my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting several unauthorized hard inquiries that I did not initiate or authorize. These inquiries are currently appearing on my credit report and have negatively impacted my credit score and overall creditworthiness.

The following companies have placed inquiries on my TransUnion report without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit, financing, or services with these companies around the dates listed, nor did I provide any written or verbal authorization for them to access my credit file. I believe these inquiries were either made in error, without a permissible purpose, or due to possible identity misuse.

Under FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], a consumer reporting agency may only furnish a credit report if there is a valid, permissible purpose, and usually with the consumers authorization. These inquiries were made without such authorization, making their presence on my credit report a violation of federal law. 

I submitted a written dispute to TransUnion demanding removal of these inquiries and requesting proof of authorization. However, as of now, the inquiries remain on my report and I have not received satisfactory evidence or a resolution. 

What would you like the company to do to resolve your issue? 
I am requesting that TransUnion : Immediately remove all the above unauthorized inquiries from my credit report. 

Provide documentation proving that I gave consent for each inquiry listed above. 

Ensure full compliance with FCRA investigation timeframes and provide a detailed reinvestigation summary. 

Have you tried to resolve this issue with the company? 
Yes. I submitted a formal dispute directly to TransUnion regarding these unauthorized inquiries. They have failed to resolve the matter or provide any proof of authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I did not receive any written notice providing details about this debt as required by the fair debt collection practices act, 15 U.S.C. 1692G. It doesn't show a balance on my report but I get harassing calls from this credit card provider.

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 2025-06-17 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 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: MD

Complaint narrative:
Please remove the following fraudulent accounts due to Equifax data breach identity theft. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX different Certified mail requesting Debt Validation proof of alleged debt company could not provide information such as original amount of debt and accurate payment history and when debt sold and to whom. National Credit system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I am disputing a vehicle repossession and loan handling by Credit Acceptance Corporation in connection with a vehicle I purchased on XX/XX/XXXX. 

I submitted three formal billing dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding mechanical and contractual issues. These were mailed via Certified Mail and met the requirements of the Fair Credit Billing Act ( FCBA ). 

Despite this, Credit Acceptance repossessed my vehicle on XX/XX/XXXX during the FCBA 's 60-day dispute window and continued aggressive phone contact throughout the process. I later confirmed in a recorded call on XX/XX/XXXX that my account was updated to reflect the dispute and that I was placed on a Do Not Contact list. 

I am requesting a full investigation into Credit Acceptances violation of FCBA protections and repossession conduct. I am asking for : Reversal of repossession-related fees Return of the vehicle or halt of auction/sale Confirmation that my dispute is being reviewed in good faith Assurance that no derogatory credit reporting or continued collections will occur while the dispute is active I have attached documentation to support my position, including dispute letters, delivery confirmations, repossession notice, and call summary.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive been a Chase customer for the past XXXX years, always used my accounts responsibly, never missed a payment, and then out of nowhere on XX/XX/XXXX they shut down five of my accounts PERSONAL/BUSINESS with no warning and barely any explanation. 
The reason they gave Not enough credit information Not used as intended. 
But I can explain exactly what happened. The merchant by mistake added a XXXX instead of {$5900.00} he made {$59000.00}. And he voided for this reason right away. None of it was abusive or dishonest and I made every effort to explain that. But Chase didnt care. They shut me down and refused to even take a second look. 
Since then, everything 's been a mess : My autopays got disrupted, my business cash flow took a hit and all my rewards got smashed to XXXX!.

Company response to consumer: Closed with explanation