vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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:
I am disputing several charged-off accounts and inquiries listed on my Experian credit report. I request that Experian conduct a thorough investigation and make the necessary corrections or removals if they can not be verified. 

Charged Off : CHILD SUPP, Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$37000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/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, Date XXXX XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX 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 2025-11-27 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: OR

Complaint narrative:
These accounts do not belong to me and must be deleted within 15 days as per USC 1681g.

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 2025-11-27 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: MI

Complaint narrative:
Dear Sir/Madam, I am filing this dispute regarding the following accounts on my credit report. These accounts are being disputed based on inaccuracies and incomplete reporting. Below is the information for the disputed accounts, separated by each credit bureau. 

XXXX XXXX Accounts : XXXX  XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$38.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5200.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am a consumer attempting to repair my credit. I am filing this complaint because the credit reporting agencies listed below are reporting inaccurate or unauthorized information on my credit file. I have attempted to resolve these matters directly with the credit bureaus, but the issues remain unresolved. I am requesting the CFPBs assistance in having these inaccuracies fully investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCThere are charged-off accounts on my Experian credit report that are inaccurate, incomplete, or unverifiable.

I request that Experian provide documentation from the original creditors verifying that these accounts are valid and reported correctly.

If they can not be verified in full compliance with FCRA 611, they must be deleted.

Unauthorized/Questionable Inquiries Experian is reporting multiple inquiries that appear excessive and/or unauthorized. I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 entries ) XXXX XXXX XXXXXX/XX/XXXX ( 2 entries ) XXXX XXXX XXXXXX/XX/XXXX ( 2 entries ) XXXX XXXX XXXXXX/XX/XXXX ( 2 entries ) 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  Many of these inquiries appear clustered around auto financing attempts and may be duplicate or unauthorized pulls.

I am requesting Experian to verify the legitimacy and permissible purpose of each inquiry. Any inquiry that can not be verified must be removed.RA ).

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 2025-11-27 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:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding charged-off accounts, inquiries, and late payments. I request that TransUnion investigate these accounts thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account No : XXXX XXXX, Account No : 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 2025-11-27 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: OH

Complaint narrative:
I am writing to submit a formal dispute regarding inaccurate and incomplete credit reporting on my credit reports provided by the three major bureaus : XXXX, Equifax, and XXXX Below are the details of the accounts I am disputing, categorized by bureau. 

Charged Off : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
CFPB, I used Cash Apps Borrow feature to take out a loan. Cash App advertises that borrowers can split repayment into multiple payments, but when I accessed the Borrow feature, the app did not give me any option to split the payments. It only showed a single lump-sum repayment due date. 

I checked the app several times and reviewed my settings, and the split-payment option never appeared. This resulted in a repayment structure I did not consent to, and it put me in a financially difficult position because the app prevented me from using the advertised repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
This person online was offering a XXXX service. He had a pretty decent following on social media and a pretty good track record. I paid him {$60.00} on cashapp for the service on XX/XX/year>. Even until this day the service is still not done and he is consistently stalling. I requested cashapp for a dispute and they said there is nothing they can do. I showed them receipts of the scam as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
I am submitting this formal objection to the listed accounts, as I have no association with them and did not authorize their creation. Please conduct a review and delete them. Documentation is provided.

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 2025-11-27 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:
I am unaffiliated with these accounts and request their removal within the 15-day timeframe outlined in 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I took out {$1600.00} in cash-advance loans from XXXX  in XX/XX/year>. Since then, I have repaid {$1300.00} through automatic payments. Despite paying back nearly the full original loan amount, my current balance is still {$1200.00}. 

XXXX  is charging monthly Statement Balance Fees that do not match the fee formula disclosed in the agreement. The fee amount changes every month, and the company has not provided a clear or accurate explanation when I requested one. Because of these fees, only a small portion of each payment goes toward the principal, making it extremely difficult to pay down the loan. 

The fee structure appears misleading and effectively traps the borrower in a cycle where the balance barely decreases despite consistent payments. I believe this constitutes a deceptive or predatory loan practice. I am requesting a full review of the fee calculations and relief from the improperly charged amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Amount : {$11.00} XXXX XXXX Date of XXXXXXXX XXXX XXXX  Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Amount : {$1.00} XXXX XXXX Date of XXXXXXXX XXXX XXXX  Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Amount : {$1.00} XXXX XXXX  Date of XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Amount : {$1.00} XXXX XXXX Date of XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Amount : {$2600.00} XXXX XXXX Date of XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Amount : {$2700.00} XXXX XXXX Date of XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am disputing several accounts that are being reported inaccurately and/or incompletely on my Experian credit report. The details are as follows : Charged-Off Accounts ( Inaccurate Information ) XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} This account is being reported as charged off, but I have not received any validation or final billing notice showing this debt. Please verify the accuracy of this account and remove it if unverifiable. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} This account shows as charged off with an incorrect balance and inconsistent reporting across bureaus. Please confirm the accuracy of the balance and date or delete if unverifiable. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} This account reflects as charged off, but no validation has been provided to confirm the outstanding balance or status. Please review and verify or delete. 

XXXX XXXX XXXX Account No. XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Disputed account ; inconsistent reporting compared to other bureaus. Please validate and correct or remove. 

XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} No supporting documentation has been provided to validate this debt. Requesting full verification or deletion. 

Inquiries ( Unverified or Unauthorized ) XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I do not recall authorizing these inquiries and request validation or removal if unauthorized. 

Positive Accounts ( Accurate, to remain ) XXXX XXXX XXXX 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 2025-11-27 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Every 4 days I get an email from Shellpoint regarding my loan. I am in foreclosure and litigation. 

Every couple of months some unidentified person shows up on my property to " inspect '' it. Today, XXXX at XXXXXXXX XXXX someone appeared, knocked on my door and said he was here to " inspect '' the property. I have " No Trespassing '' signs on the entrance to my place, and as the bank or bank servicing company does NOT own the property it has no authority to access it. 

This is harrassment, and I have attempted to contact Shellpoint at least 10 times in the past 16-18 months asking to meet and resolve the situation, but no response from them. 

I warned the person, who had no ID whatsoever and looked rough, that any further trespassing will result in their arrest. The FTC and CFPB have done absolutely nothing to prevent Shellpoint from this intimidation of seniors. We are remote, and strangers are very rare, and sometimes they show up when my wife is here alone. She gets scared. I get scared. This is how things go wrong and it puts our lives in jeopardy. It can not continue, and your Bureau must take every positive and restrictive action against XXXX XXXX XXXX  and Shellpoint Servicing. This atrocious conduct has been ongoing for many years, and it's bad enough that we are in litigation to save our home and avoid losing our home of 25 years, and to endure endless victimization, harassment, and emotional distress is outrageous and preventable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-27 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: AZ

Complaint narrative:
I am not connected to these accounts and require their removal within 15 days, as mandated by 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation