vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to permanently delete multiple accounts from my credit report despite numerous disputes, factual inaccuracies, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I have disputed the following accounts multiple times. In some cases, items were deleted, only to be reinserted without notice, a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Several of these accounts contain future-dated updates ( e.g., balances updated in XX/XX/year> ), which is factually and legally impossible, violating FCRA 1681c ( a ). 

The accounts include : Bank XXXX XXXX ( charged off, {$10000.00} ) XXXX Card ( charged off, {$13000.00} ) XXXX Card ( charged off, {$6500.00} ) XXXX Bank ( charged off, {$1400.00} ) CITICARDS XXXX ( Paid, closed, {$8100.00} written off conflicting info ) XXXX XXXX XXXX XXXX XXXX XXXX ( collection, {$1200.00} unverifiable and possibly invalid ) Structured Settlements/ HELIX ( collection, {$1500.00} reporting inaccurate balance and no debt validation ) These accounts report extremely misleading credit usage ( e.g., 118 %, 141 % ) despite being closed or charged-off, which misrepresents my credit profile and violates FCRA 1681e ( b ) for accuracy and fairness in reporting.

Additionally, both collection accounts fail to meet FDCPA debt validation requirements under 15 U.S.C. 1692g ( b ). No notice of debt was provided, and no proof was given upon dispute.

Experian continues to update balances, reinsert deleted accounts, and allow furnishers to report unverifiable or outdated information. This causes direct harm to my creditworthiness and violates multiple federal laws.

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 2025-08-18 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:
I reviewed my credit reports and found several accounts still reporting inaccurately even after my first round of disputes. XXXX XXXX XXXX  is showing a balance of {$1100.00} and marking the account as charged off while continuing to report it as past due, and Equifax is even displaying late payments in XXXX and XXXX despite the last activity being in XXXX. XXXX XXXX XXXX  is reporting a balance of {$430.00} with a charge-off status, yet it also continues to list the account as past due and marked my previous dispute as resolved without providing any Method of Verification as required by law. XXXX XXXX is reporting a {$120.00} balance charged off and shows late payments after the account was closed, which is impossible. XXXX XXXX reported a charged-off account sold to another lender, but the bureaus are still showing derogatory notations after the sale date. In addition, XXXX XXXX is reporting XXXX collection accounts for {$1300.00} and {$660.00} while falsely listing itself as the original lender, which is misleading since XXXX is only a debt buyer. I disputed these items previously, yet the bureaus have failed to properly reinvestigate or correct them, and the information remains inaccurate, incomplete, or unverifiable. These errors continue to harm my creditworthiness despite my timely disputes.

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 2025-08-18 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:
I reviewed my credit reports and found several accounts still reporting inaccurately even after my first round of disputes. XXXX XXXX XXXX  is showing a balance of {$1100.00} and marking the account as charged off while continuing to report it as past due, and Equifax is even displaying late payments in XXXX and XXXX despite the last activity being in XXXX. XXXX XXXX XXXX  is reporting a balance of {$430.00} with a charge-off status, yet it also continues to list the account as past due and marked my previous dispute as resolved without providing any Method of Verification as required by law. XXXX XXXX is reporting a {$120.00} balance charged off and shows late payments after the account was closed, which is impossible. XXXX XXXX reported a charged-off account sold to another lender, but the bureaus are still showing derogatory notations after the sale date. In addition, XXXX XXXX is reporting XXXX collection accounts for {$1300.00} and {$660.00} while falsely listing itself as the original lender, which is misleading since XXXX is only a debt buyer. I disputed these items previously, yet the bureaus have failed to properly reinvestigate or correct them, and the information remains inaccurate, incomplete, or unverifiable. These errors continue to harm my creditworthiness despite my timely disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$4200.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Citizens Debt relief LLC
State: MI

Complaint narrative:
Citizens debt relief I have been asking for them to close the account since friday XX/XX/XXXX. I have left at least XXXX voicemails with no response I have sent multiple emails with no response And talked to XXXX the agent multiple times insisting it be closed with no response. 
His direct number is XXXX I just want the account closed, and it is appalling no one can respond and do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 XXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX  Date : XX/XX/25 XXXX  Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX  Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal complaint case # XXXX on the CFPB website. 

On XX/XX/year>, NewRez responded to my formal CFPB compliant. In that letter, Newrez stated a request for me to provide information regarding discrimination and on omissions of related XXXX and Fair Housing Act disclosures ( and procedural omissions ). NewRez stated " To assist you further, please clarify which specific disclosures you believe were overlooked. Once we have that information, we'll be happy to review and respond accordingly to address your concern. 

On XXXX, 2025, I responded with feedback to NewRez letter providing the information requested for them to review and respond including for CFPB XXXX mandate the Company provide the required consideration under the XXXX and XXXX XXXX XXXX for accomodations and relief and the relief needed from the damaging impact to my health. 

I also addressed several items that were not addressed by the NewRez letter, including dual tracking evidence and dates acknowledged within NewRez 's letter, reasonably requested the CFPB to enforce placing the foreclosure activities ON HOLD while I sell the property and pay the mortage balance in full before XX/XX/year>, require proper application of the XXXX test for loss mitigation purposes. 

On a recorded phone call today XX/XX/XXXX, XXXX XXXX XXXX XXXX they have not received my feedback and therefore are not reviewing or responding in line with their documented statements. 

I also learned that the CFPB closed the case on XX/XX/year> after the XXXX responded. This does not satisfy the entirety of the process which needs to include my feedback being provided to the XXXX for their review and response. 

Accordingly, I am opening this new formal complaint for the above items to be addressed as documented in case # XXXX on the CFPB website.

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 2025-08-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA and 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. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TRANSUNION credit report, which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquires including XXXX XXXX, XXXX, XXXX. This account have resulted several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity Related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-18 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-08-18 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX- {$24000.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$810.00} via debit card to my OneMain Financial credit card, paying the balance in full. Despite this, OneMain has placed a hold on my available credit until XX/XX/year>, citing policy due to a prior returned payment. This restriction was never disclosed in my cardholder agreement or payment terms. 

The hold is unfair because the payment was made with good funds, yet I am denied use of my credit and my utilization is artificially reported as maxed out. Customer service could not provide any written policy or regulatory authority. This practice appears deceptive and abusive, causing financial harm without benefit to the consumer. I request CFPB review this policy and require OneMain to release funds immediately upon good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I did not authorize. I have never applied for credit, loans, or services with the reporting entity, nor did I provide consent for this inquiry.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than XXXX  days ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief