vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
Under FCRA laws, I am disputing the reporting of XXXX bankruptcies on my credit reports. The credit report reports that information has been verified through the XXXX Bankruptcy XXXX. As per my conversation with the Bankruptcy XXXX to verify such false reports. The XXXX Bankruptcy XXXX Of Nevada does NOT report any such credit or account or bankruptcy information to credit bureaus. For this reason of falsifying the verification of bankruptcy information, I request the bankruptcies being reported are removed : Chapter XXXX Bankruptcy Bankruptcy XXXX of XXXX XXXX Chapter XXXX Bankruptcy Bankruptcy XXXX XXXX Nevada XXXX These XXXX bankruptcies are being reported on all XXXX major bureaus, XXXX XXXX XXXX XXXX XXXX XXXX 

Again because they ( the bankruptcies ) must be verified through the original source which in this case is XXXX  Bankruptcy XXXX and the bankrupty court confirmed with me per phone conversation in XX/XX/year> that they do not, please remove information as per FCRA laws. A dispute letter has been sent to all XXXX major bureaus and to Lexis Nexis with the same request and information concerning protocal and procedure of verifying and reporting bankruptcy information. A XXXX  complaint has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account is restricted. I can not send my crypto to a external wallet. I got can't withdraw my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I own a home that currently has a VA loan - was my late father 's VA loan. I remain on title as I was prior to his passing and am authorized to act on behalf of the mortgage. I would like to sell the home and allow a buyer to assume the mortgage, per VA guidelines. I began contacting the servicer, Shellpoint, XXXX XXXX. I called and was told to email the assumptions department, which I did twice. After not receiving a reply at all, I have called Shellpoint multiples times since then. Each time I am told either 1. A loan officer will contact me or 2. An assumptions package will be mailed to me. Neither have occurred. Each person I speak to sees NOTHING in my account indicating a prior call. I have been given an " assumption number '' but when I call, nobody knows what I am referring to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to make inquiries. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. The inquiries listed below, which appears on my Experian credit report, does not relate to any inquiries that I have ever made. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year>. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Credence Resource MANAGEMENT, XXXX Balance {$790.00} Open : XX/XX/XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$140.00} open XX/XX/XXXX Status : Paid, closed In Collection still active XXXX, MA XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Collection account. {$980.00} past due as of XXXX XXXX Phone number ( XXXX ) XXXX Address PO BOX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX Date opened XX/XX/XXXX Status Collection account. {$740.00} past due as of XXXX XXXX. 
Phone number ( XXXX ) XXXX Address XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ASSOCIATES, INC XXXX Date opened XX/XX/XXXX Status Collection account. {$140.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX UNIVERSAL WAY XXXX, MI XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX DRIVETIME/BRIDGECREST, XXXX Date opened XX/XX/XXXX CASE CLOSED BUT SHOWS ACTIVE Repossession. {$19.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report the following inquires are fraud and not mines. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
A collection account was added to my credit reports in XX/XX/XXXX for {$230.00}. It is listed as individual and marked as placed for collection as of XX/XX/XXXX. I do not recall owing this debt or receiving any prior notice about it. No payments have been made, and I believe the account may be inaccurate or unverified. I am requesting an investigation and removal if it can not be validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX on my TransUnion credit report. 

The account in question is a charged-off credit card account showing a reported balance of {$16000.00}. The creditor lists the last payment date as XX/XX/XXXX ; however, the payment history graph clearly shows that the last on-time payment was made in XX/XX/XXXX, with every month from XX/XX/XXXX forward showing missed payments. This internal inconsistency indicates the reported date is incorrect and potentially an attempt to reage the account, which would be a violation of the Fair Credit Reporting Act ( XXXX  ) if not supported by a legitimate transaction or written agreement. 

Additionally, the account is being reported as Open, despite the fact that it has been charged-off and no payments have been made since XXXX. Reporting a charged-off account as Open is misleading, may artificially inflate my revolving credit utilization, and is not an accurate representation of the current account status. Charged-off accounts are by definition closed and should reflect that status. 

The report also includes the remark Consumer disputes reinvestigation in progress, yet the inaccuracies continue without correction, despite multiple requests. 

I respectfully request the CFPB to require the following : XXXX. Proof of the alleged XX/XX/XXXX payment. 


XXXX. Correction of the last payment date to XX/XX/XXXX. 


XXXX. Correction of the account status from XXXX to XXXX XXXX XXXX. 


XXXX. Confirmation that the account has not been reaged unlawfully. 

These reporting errors are misleading, harmful to my credit profile, and must be addressed to ensure compliance with the FCRA. 

Alternatively, I request that the account be permanently removed from my credit report. The data furnisher has failed to respond to multiple written requests for a complete, itemized debt validation report. Despite repeated disputes highlighting conflicting and inaccurate information, the account remains unchanged. 

This lack of response violates the FCRAs reinvestigation and accuracy provisions ( XXXX XXXX. XXXX and XXXX ). Continued reporting without proper validation supports full deletion, as upheld in XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which required furnishers to conduct a meaningful investigation when presented with specific and credible disputes. 

Furthermore, the account appears to have been reaged, with the " last payment '' date falsely extended to XXXX despite no payments since XXXX. This has artificially prolonged the negative reporting period, lowered my credit score, and continues to negatively impact my financial opportunities, credit access, and mental well-being. The failure to accurately report and address these issues has caused undue financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX on my XXXX  credit report. 

The account in question is a charged-off credit card account showing a reported balance of {$16000.00}. The creditor lists the last payment date as XX/XX/XXXX ; however, the payment history graph clearly shows that the last on-time payment was made in XX/XX/XXXX, with every month from XX/XX/XXXX forward showing missed payments. This internal inconsistency indicates the reported date is incorrect and potentially an attempt to reage the account, which would be a violation of the Fair Credit Reporting Act ( XXXX  ) if not supported by a legitimate transaction or written agreement. 

Additionally, the account is being reported as Open, despite the fact that it has been charged-off and no payments have been made since XXXX. Reporting a charged-off account as Open is misleading, may artificially inflate my revolving credit utilization, and is not an accurate representation of the current account status. Charged-off accounts are by definition closed and should reflect that status. 

The report also includes the remark Consumer disputes reinvestigation in progress, yet the inaccuracies continue without correction, despite multiple requests. 

I respectfully request the CFPB to require the following : XXXX. Proof of the alleged XX/XX/XXXX payment. 


XXXX. Correction of the last payment date to XX/XX/XXXX. 


XXXX. Correction of the account status from XXXX to XXXX XXXX XXXX. 


XXXX. Confirmation that the account has not been reaged unlawfully. 

These reporting errors are misleading, harmful to my credit profile, and must be addressed to ensure compliance with the FCRA. 

Alternatively, I request that the account be permanently removed from my credit report. The data furnisher has failed to respond to multiple written requests for a complete, itemized debt validation report. Despite repeated disputes highlighting conflicting and inaccurate information, the account remains unchanged. 

This lack of response violates the FCRAs reinvestigation and accuracy provisions ( XXXX XXXX. XXXX and XXXX ). Continued reporting without proper validation supports full deletion, as upheld in XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which required furnishers to conduct a meaningful investigation when presented with specific and credible disputes. 

Furthermore, the account appears to have been reaged, with the " last payment '' date falsely extended to XXXX despite no payments since XXXX. This has artificially prolonged the negative reporting period, lowered my credit score, and continues to negatively impact my financial opportunities, credit access, and mental well-being. The failure to accurately report and address these issues has caused undue financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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.
State: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I recently reviewed a copy of my credit report and noticed that there were several fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This morning, I found incorrect accounts listed on my credit report, and I dont understand how they got there. I routinely monitor my credit, but this time I noticed unexpected discrepancies. I even refreshed the page thinking it might be a technical glitch, but the issue remained. These inaccurate accounts were still there after reloading. I kindly request a thorough review of the documents Ive submitted so I no longer have to stress over 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 2025-04-17 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: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to make inquiries. I believe I am a victim of identity theft due to the Equifax XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX The inquiries listed below, which appears on my Transunion credit report, does not relate to any inquiries that I have ever made. It is the result of identity theft. 

XXXX. The inquiry was not authorized MUTUAL OF XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized CAPITAL XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized DISCOVER FIN Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized COAF Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-04-17 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: Advanced Resolution Services Inc.
State: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * - Balance & Past Due : {$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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its very concerning to find your company listed multiple times for inquiries on my credit report. I never gave consent for that, and I havent made any requests or applications that would justify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

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