vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: HI

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurately reporting a charge-off account across all three credit bureausXXXX Equifax, and XXXX. The account number ends in XXXX and is dated XX/XX/year>XXXX  with a balance of {$2500.00}. This information has been repeatedly disputed and should not be appearing in its current form. I have made numerous attempts to have the entry corrected, updated, or substantiated with verified documentation, yet all three credit reporting agencies continue to retain this damaging, outdated, and unverifiable account on my report. 

The Fair Credit Reporting Act ( FCRA ) places a legal obligation on both furnishers and credit bureaus to ensure that any information they report is complete, accurate, and verifiable. Under Section 611 ( a ), I have the right to dispute any information I believe is incorrect, and the credit bureaus are required to conduct a reasonable investigation. I have submitted disputes in accordance with this right, yet no proper reinvestigation was conducted, and no legally sufficient documentation was provided to confirm the validity or accuracy of this charge-off. If no documentation can be produced to verify the accuracy of the debt as reported, the account must be updated or removednot blindly re-verified with no transparency or accountability. 

Furthermore, under Section 623 of the FCRA, data furnishers like XXXX XXXX are required to investigate disputed information thoroughly and must cease reporting unverifiable data. Failure to do so creates legal liability, especially when the incorrect data materially damages a consumers credit profile, as is the case here. I also have strong reason to believe this error may have resulted from a broader data integrity issue, possibly stemming from prior data mismanagement or a breachnot fraud, but systemic errorwhich makes it even more urgent that this item be thoroughly reevaluated with proper scrutiny. 

This inaccurate charge-off has caused considerable emotional distress and real-world consequences. I have been denied credit opportunities, offered higher interest rates, and treated as a high-risk borrower due to this unjust reporting. It has affected everything from rental applications to financial planning. The continued reporting of a balance that is no longer validand which has not been adequately substantiatedis not only unfair but violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This is a refiling of my original complaint due to EXPERIAN 's failure to conduct any investigation or take appropriate action regarding the fraudulent and inaccurate accounts still appearing on my credit report. Despite my previous formal disputes and the detailed documentation I submitted, no meaningful steps have been taken to resolve these issues. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding proper attention be given to my case. 

The accounts in question are being reported by companies with whom I have no prior relationship or agreement, and I firmly believe they are the result of identity theft or erroneous data reporting. I previously submitted a complete dispute packet containing an FTC Identity Theft Report, a copy of my government-issued ID, and proof of my current address. Under FCRA 605B ( a ), EXPERIAN is required to delete identity-theft-related accounts within four business days of receiving such documentation. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data that is knownor should be knownto be inaccurate.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving an impersonator posing as Uber Support, who contacted me and gave convincing instructions that led me to apply for the Uber Pro Card ( issued by Branch ). This individual directed me to transfer my balance of {$630.00} to an external account as part of a supposed Uber-related process -customer complaint resolution reward. 

I trusted the impersonator because they reached out to me via Uber calling and knew exactly my location and the trip/fare I was taking at the time. They sounded official and had specific information that made them seem like real Uber staff. I later discovered this was a fraudulent social engineering scam. The person had no affiliation with Uber, and the funds were withdrawn from my account through deception. Real Uber support has since confirmed that my Uber account was indeed compromised, and I had to reset the password. I also filed a police report with the local police department # XXXX. 

I filed a dispute with Branch, explaining that I had been defrauded, and that the transfer was not truly authorized in intent I was tricked into making it under false pretenses. Despite this, Branch denied my dispute, apparently categorizing the transaction as authorized simply because I initiated it.

I am now requesting CFPB assistance in having Branch reconsider this case. According to the Electronic Fund Transfer Act ( EFTA ) and CFPB guidelines, transfers made under deception and impersonation are still considered unauthorized, and consumers are protected from these types of fraud. This was not a valid or knowing authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Upon recent review of my consumer credit report I identified multiple serious billings errors which is in direct violation of THE TRUTH LENDING ACT ( TILA ) 15 U.S.C 1666 ( B ) Section 1666 ( B ) ( 4 ) states ; the creditors failure to properly reflect a payment made by the obligator ( myself ) or a credit issuer

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 2025-07-10 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: CA

Complaint narrative:
Upon recent review of my consumer credit report I identified multiple serious billings errors which is in direct violation of THE TRUTH LENDING ACT ( TILA ) 15 U.S.C 1666 ( B ) Section 1666 ( B ) ( 4 ) states ; the creditors failure to properly reflect a payment made by the obligator ( myself ) or a credit issuer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX TX XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XX/XX/XXXXXXXX  : Called Newrez to request PMI removal process information. Was told that my PMI should have already been cancelled because my loan to value ratio was at 69 % and they normally automatically cancel it at 78 %. Received a case number of XXXX. Was told it normally takes about 45 days for the removal of PMI request to get processed. 

XXXX XXXX : Called Newrez again to make sure the above was getting handled and was told that the person I spoke with on XX/XX/XXXXXXXX  told me the wrong information and that it is not automatically cancelled and that I would be mailed a form to fill out and would have to pay {$150.00} XXXX. 

XX/XX/XXXX : Received the form ( XXXX XXXX  ), mailed the check which was cashed on XXXXXX/XX/XXXX ( XXXX XXXX  ). 

XX/XX/XXXXXXXX  : Called today and spoke with a very rude service rep who told me my PMI can't be removed until XX/XX/XXXX, then talked to her very rude supervisor who said that they didn't have record of my {$150.00} payment and that the address I mailed it to ( the one on their form ) was the wrong address and that I would need to send a copy of the form and the {$150.00} payment. So filing a complaint with the Consumer Financial Protection Bureau because this is unacceptable.

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 2025-07-10 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: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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 2025-07-10 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: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

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 2025-07-10 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 have previously disputed with Experian, Equifax and XXXX  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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-10 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: NC

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 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 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/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 2025-07-10 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: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: 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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-10 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX, XXXX, and XXXX. I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company response to consumer: Closed with explanation