vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank regarding inaccurate and misleading information being reported on my credit report with Equifax, TransUnion, and Experian. 

This account was closed with a {$0.00} balance and is marked as : Pays account as agreed ( Equifax ) Paid or paying as agreed ( TransUnion ) Paid account/was delinquent 120 days past due date ( Experian ) Despite the account being paid off and closed, the report continues to reflect a worst delinquency of XXXX days past due. These statuses contradict each other and result in a misleading depiction of my credit history. 

Potential Violations : Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnished to a consumer reporting agency must be complete and accurate. 

FCRA 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( a ) : If a consumer disputes information, the bureau must reinvestigate and correct inaccurate entries.

Metro 2 Compliance ( Credit Reporting Format ) : According to the Consumer Data Industry Association ( CDIA ) Metro 2 guidelines, this reporting may violate the following standards : Field 17A Account Status Code : Reporting 11 ( Current account ) or 13 ( Paid or closed account/zero balance ) while also reflecting major delinquencies is a contradiction. 

Metro 2 prohibits mixing paid as agreed status with XXXX days late history. 

Field 71 Payment Rating : A payment rating of 0 ( Current ) or 1 ( Paid ) can not be reported if the account history reflects XXXX days late. 

This inconsistency creates inaccurate and confusing scoring outcomes. 

Field 78 Payment History Profile : If the payment history shows D ( 120 days late ), then the account can not simultaneously reflect an OK or Pays As Agreed status. 

Metro 2 Reporting FAQ ( 2022 CDIA Update ) : When an account is paid and closed, the worst delinquency should not continue to suppress the score unless it is accurate, verifiable, and clearly separated from current status. 

Mixing positive current statuses with severe historical derogatories without context is non-compliant.

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 2025-07-22 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:
I am filing a formal complaint against XXXX XXXX Bank regarding inaccurate and misleading information being reported on my credit report with Equifax, TransUnion, and Experian. 

This account was closed with a {$0.00} balance and is marked as : Pays account as agreed ( Equifax ) Paid or paying as agreed ( TransUnion ) Paid account/was delinquent 120 days past due date ( Experian ) Despite the account being paid off and closed, the report continues to reflect a worst delinquency of XXXX days past due. These statuses contradict each other and result in a misleading depiction of my credit history. 

Potential Violations : Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnished to a consumer reporting agency must be complete and accurate. 

FCRA 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( a ) : If a consumer disputes information, the bureau must reinvestigate and correct inaccurate entries.

Metro 2 Compliance ( Credit Reporting Format ) : According to the Consumer Data Industry Association ( CDIA ) Metro 2 guidelines, this reporting may violate the following standards : Field 17A Account Status Code : Reporting 11 ( Current account ) or 13 ( Paid or closed account/zero balance ) while also reflecting major delinquencies is a contradiction. 

Metro 2 prohibits mixing paid as agreed status with XXXX days late history. 

Field 71 Payment Rating : A payment rating of 0 ( Current ) or 1 ( Paid ) can not be reported if the account history reflects XXXX days late. 

This inconsistency creates inaccurate and confusing scoring outcomes. 

Field 78 Payment History Profile : If the payment history shows D ( 120 days late ), then the account can not simultaneously reflect an OK or Pays As Agreed status. 

Metro 2 Reporting FAQ ( 2022 CDIA Update ) : When an account is paid and closed, the worst delinquency should not continue to suppress the score unless it is accurate, verifiable, and clearly separated from current status. 

Mixing positive current statuses with severe historical derogatories without context is non-compliant.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
On XXXX, XX/XX/year>, I was scheduled to move in to a XXXX floor plan at XXXX. 

Upon my arrival, I paid first months rent as well as all first time fees & was granted keys/access to the property. 

Once entering the unit, I was greeted with a horrendous odor. The front door was not able to open completely, as there were clothes preventing it. 

At first glance around the apartment, it was piled with more clothes, excess furniture, & sticky notes detailing rules on what was acceptable to do in the common areas of the apartment. 

As I made my way to my assigned room, I was greeted with a broken desk, other occupants of the apartment had used the room as storage ( so excessive amounts of furniture ), a broken toilet, a shower head that was broken, dead/alive ants in the sink, & filthy base boards to say the least. 

This was extremely shocking because I lived on property once before under previous management for XXXX  year, and never had any issues. 

When I notified management of the issue. They seemed to have limited amount of answers for a mutual fix. 

I turned in my key to the unit, mail box key, & parking pass & notified the office that not only was I not interested in the unit, I was no longer interested in the property. 

A few nights later, ( via text ) I was notified that there are multiple children living in that unit & I was not notified of this in any form or fashion upon my arrival. 

Thursday, XX/XX/year>, leasing XXXX XXXX XXXX reached out after many unanswered calls & messages. I do feel that there needs to be a better solution for this issue. 

The issues that took place were not of fault of mine & I had no control. Having to pay for XXXX nights in a hotel ( total over {$600.00} ) due to a unit not being available/presentable/livable is extremely unprofessional on the XXXX behalf. 

I would like for my lease to be terminated in its entirety. If there is a fee for termination, the property should notify me of that. The property has been of little help & informed me to find a person for sublet on my own in an extremely short time frame ; which in my opinion is almost unrealistic expectations. I would like to handle this amongst the parties involved, without hanging to go to corporate. 

I have picture & video footage of everything that I have listed and/or mention in this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NC

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 2025-07-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-22 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: TX

Complaint narrative:
These accounts are fraudulent and not associated with me in any form. I request their prompt removal and ask that a thorough investigation be conducted. Enclosed are supporting materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-07-22 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: MO

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-22 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-22 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: FL

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with federal law, you are required to block this information within XXXX business days of receiving : Proof of my identity ( enclosed : government-issued ID and utility bill ) A copy of my identity theft report ( enclosed : police report or FTC affidavit ) Identification of the fraudulent information My sworn statement that this information does not relate to any transaction I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This complaint is similar to the complaint I had already filed # XXXX. 
I do not pay XXXX  Tax because I am XXXX % exempt Veteran. 
My XXXX XXXX XXXX payment should be {$970.00} mo. 
On XX/XX/XXXX XXXX  XXXX my XXXX balance escrow account {$1800.00} for first quarter taxes and sent to my Twp., on XX/XX/XXXX my twp. returned the payment to XXXX  and they posted to my account. I called to tell them they were wrong an I sent them my VA exempt paperwork. 
On XX/XX/XXXX XXXX they charged my escrow account again for second quarter taxes of {$1800.00} my Twp. said they returned to them on XX/XX/XXXX should post to my account by XX/XX/XXXX ... In the meantime they have increased my mortgage payment from {$970.00} to {$1100.00} because of the negative escrow... I have called to tell their Tax/Escrow Dept . ( but they do not know what to do besides get me off the line )

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 2025-07-22 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 have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This account is currently marked with adverse status due to a repossession followed by charge-offs and inconsistent payment reporting.

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