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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the correction of account directly from the data furnisher. XXXX credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint recorded a modification that I am not aware of pages are missing to clarify the debt and or agreement. I have requested which to provide which modification is valid. 

Shellpoint collected less than asking which deducted the deferred amount Shellpoint provided transaction history which raises more questions 1 what is the actual amount paid for property 2 which modification is correct and what year Shellpoint hired ZBS Law- therefore should be able to provide all marketing material that include opening bid.

Shellpont has not provided clarity why mortgage statement changed in 2018.

Shellpoint after the foreclosure is stating I never had a right to a modification -I sent Shellpoint multiple emails asking is modification application to be completed now or after appeal is complete regarding home owners association ..

It appears deceptive practices were used giving false numbers to collect mortgage debt, incorrect answers to appear to follow foreclosure 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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported a late payment on my credit card account ending in XXXX. I dispute this reporting because, under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they can prove the billing statement was sent at least 21 days before the due date. I requested copies of billing statements and evidence of mailing, but I have not received proof that proper notification was provided.

In addition, under 15 U.S.C. 1681s-2, creditors must notify consumers within 30 days when negative information is reported to the credit bureaus. I have not received such notification. 

I am requesting that XXXX XXXX provide documentary proof of compliance with federal law or remove the late payment from my credit report.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Yes the truck was brought under my business LLC but after the truck kept breaking down calfund was out to get the truck as soon as I picked it up. I was threatened multiple times. Also the truck has been sold and their still reporting the wrong on my personal credit. By law they can't put that on my credit that's the point of a LLC.

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: Exeter Finance, LLC.
State: MD

Complaint narrative:
Yes the truck was brought under my business LLC but after the truck kept breaking down calfund was out to get the truck as soon as I picked it up. I was threatened multiple times. Also the truck has been sold and their still reporting the wrong on my personal credit. By law they can't put that on my credit that's the point of a LLC.

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: CL Holdings LLC
State: MD

Complaint narrative:
Yes the truck was brought under my business LLC but after the truck kept breaking down calfund was out to get the truck as soon as I picked it up. I was threatened multiple times. Also the truck has been sold and their still reporting the wrong on my personal credit. By law they can't put that on my credit that's the point of a LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: NV

Complaint narrative:
In XX/XX/XXXX, I enrolled in the XXXX XXXX XXXX. The program cost approximately {$16000.00}, which I financed through a private Sallie Mae loan. The marketing and enrollment materials from XXXX and XXXX represented that students would complete the program job-ready, with career services and placement support that would lead to entry-level employment in cybersecurity. 

I completed the bootcamp between XX/XX/XXXX and XX/XX/XXXX, received the certificate, and actively sought assistance from the advertised career services. However, I was never provided with meaningful job placement support or interviews, and no cybersecurity employment opportunities materialized through XXXX. 

Meanwhile, the Sallie Mae loan balance has remained virtually unchanged despite regular payments. The high interest rate and structure of the loan make it nearly impossible to reduce the principal. I attempted to have my co-signer removed from the loan twice, but Sallie Mae denied both requests. 

The central issue is that XXXX used misleading advertising, emails, and brochures to recruit studentsclaiming the program would quickly lead to a career in cybersecurity, aligned with national frameworks, and supported by career placement services. These representations proved false. The value of the education provided was not equivalent to the price charged, and the promised career outcomes were not delivered. 

I believe the marketing and recruiting practices were deceptive, and I am requesting relief regarding this private student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is reporting two closed/charged-off credit card accounts inaccurately. They are showing inflated utilization ( 112 % and 116 % ) and derogatory payment history after closure. This misrepresents my current indebtedness and violates the Fair Credit Reporting Act. 

I have attached a detailed letter with account information, legal references, and supporting documentation. Please review the attached file for the full explanation and requested resolution.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report :

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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

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: 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: GA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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

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 2025-08-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXXday statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXX Balance : {$0.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-18 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Re : Enforcement of Consumer Rights Under Federal Law To Whom It May Concern, This letter serves as a formal notice and reference to my rights under the Fair Credit Reporting Act ( FCRA ) and the GrammLeachBliley Act ( GLBA ).

15 U.S.C. 1681g Copy of Consumer Disclosure I have the right to obtain a complete disclosure of all information in my consumer file, including sources of information, recipients of my report, and all data maintained about me.

15 U.S.C. 1681e ( b ) Accuracy of Report Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me. Any inaccurate or unverifiable reporting constitutes a violation of this statute.

15 U.S.C. 6802 Restrictions on Sharing Account Numbers Financial institutions are prohibited from disclosing my account numbers or access codes to nonaffiliated third parties for marketing purposes. My financial information must be protected in accordance with this statute. 

I expect your compliance with these obligations. Please ensure that all actions, disclosures, and reporting practices regarding my personal and financial information strictly adhere to the above statutory provisions. 

Failure to comply may result in escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies, as well as legal remedies available under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: AL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX Collection To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXX account that appears on my Equifax credit file. The account details are as follows : Creditor : XXXX XXXX Balance : {$0.00} ( Paid Settlement Accepted ) Narrative Codes : XXXX ( Consumer Disputes This Account ), XXXX ( Collection Account ), XXXX ( Settlement Accepted ), XXXX ( Paid Collection ) Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX This account is being reported as a collection and delinquency even though the balance is {$0.00} and a settlement was accepted. 
The reporting of a charge-off/collection with a XXXX balance after settlement is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 reporting guidelines. Key Issues with Reporting : 1. The account is paid and closed but still reported as a collection with delinquency notations. XXXX. Equifax lists Delinquency First Reported as XX/XX/XXXX, despite a payment in XX/XX/XXXX showing the account satisfied. XXXX. Continuing to report a paid, settled account as a derogatory collection is inaccurate and damages my creditworthiness. Requested Action : I demand that Equifax immediately delete this XXXX XXXX collection account from my credit report, as continued reporting is false, incomplete, and unverifiable. Please provide written confirmation of deletion within 30 days, as required by the FCRA. If you verify this account as accurate despite the documented errors, provide me with a detailed method of verification including the name, title, and contact information of the person who verified the account. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. The late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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