vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is filed against TRANSUNION for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), and other federal consumer protection laws. TRANSUNION has reported accounts containing false, inaccurate, and legally defective information that fails to meet the maximum possible accuracy standard required under federal law and did not properly verify or correct the information upon dispute. 

XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account was paid on time and later closed in good standing. Despite this, TRANSUNION continues to report false late payment notations that never occurred. I have maintained on-time payments for this account and there is no verifiable documentation supporting any delinquency. 

Under FCRA 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the data they report. Further, under FCRA 1681i ( a ), they must perform a reasonable reinvestigation when a consumer disputes inaccurate information. By maintaining this false reporting without validation, TRANSUNION has engaged in willful and negligent noncompliance under FCRA 616617, resulting in harm to my credit standing. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX This account involves an illegal and unlawful repossession where due process was not followed. I never received proper notice of default, right to cure, or intent to repossess as required under state and federal law. The reporting of this repossession without proof of legal compliance is false, misleading, and a violation of my rights under the FCRA, as well as the Consumer Financial Protection Act 1036 ( a ) ( 1 ) ( B ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

TRANSUNION has failed to obtain verifiable documentation from the furnisher proving the legality of this repossession. Reporting an account that arose from an unlawful act constitutes knowingly reporting inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/2025, I took out a mortgage with XXXX XXXX XXXX. On XX/XX/XXXX, I received notice that XXXX XXXX XXXX, XXXX would be servicing the loan. On XX/XX/XXXX, I received notice that XXXX sold or transferred servicing of the account to Shellpoint Mortgage XXXX. On XX/XX/XXXX, I sold the property and paid off the mortgage. That payoff amount went to XXXX, who acknowledged that the loan was paid in full effective XX/XX/2025. However, I continue to receive notifications and statements from Shellpoint saying that the loan is still outstanding and I owe monthly payments, with late fees to accrue. I have called XXXX  3 times. I twice sent them the paid-in full letter from XXXX ( on XX/XX/XXXX and on XX/XX/XXXX ). I also sent them the closing statement on XX/XX/XXXX because they asked for proof of funds.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-27 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am reaching out to have my account corrected of all interest charges as I have been incorrectly charged, on two rings that I had on a deferred interest plan. On XX/XX/XXXX, I paid off my account in the amount of {$2600.00} at XXXXXXXX XXXX to satisfy the 18-month promotion plan, which was months prior to the promotion plan expiring. The payment was made over the phone to Comenity bank and I stressed that I did not want the new purchase that I was about to make to interfere with my 18-month promotion plan to a customer service representative. I then made a separate purchase in the store of XXXX at XXXXXXXX XXXX that was put on a separate 12-month promotion plan. 
On XX/XX/XXXX, I paid off that purchase in the amount of {$800.00}. The unjustified interest charges were added to my account in XXXX for a deferred interest plan that was satisfied in XXXX. The interest charged was {$2300.00}. There are also late fees associated with my account now as well bringing my account to a total of {$2400.00} that is due by XX/XX/XXXX. I had called Comenity and was told that my account was going to be put on hold until an investigation was done and that I would receive a letter in the mail. After about 3 weeks of not having an update, I had to reach out to customer service. I was told that the investigation was final, that there was nothing they could so. I have no evidence of this investigation and nothing was mailed to me. On XX/XX/XXXX I sent this letter with supporting documents to the billing errors department with commenity bank via certified mail. XXXX XXXX has not sent me any letters via mail or to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-10-27 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: Prince Parker & Associates
State: IL

Complaint narrative:
I am formally disputing the removal of my collection accounts and requesting that they be reinstated and accurately reported on my credit file. These accounts were deleted or excluded in error, and their absence misrepresents my full credit history. I am asking for a thorough reinvestigation and for all verified, legitimate accounts to be properly reflected in accordance with the Fair Credit Reporting Act ( FCRA ). 

I value accuracy and transparency in my credit reporting and expect that all relevant records be reinstated without delay. Please ensure that all information reported is complete, factual, and supported by proper verification from the original creditors or collection agencies involved. 

Thank you for your prompt attention to this matter and for ensuring my credit file remains accurate and complete.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have identified collection accounts on my report that appear to contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified, they must be removed.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-27 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I initially received a call from my mother in regards to this matter this collection agency currently called her on her cellphone while shes at work. She stated that some women call her about a matter that was in reference to me and ask her does she know or aware of this matter. How or why will my mom or any relative know anything about my personal matters??? They gave her a claim number associated with me and the ( t ) XXXX for me to call them back and thats its very urgent that I call them back about this important matter. I also received a voicemail with a different phone number but same claim number around the same time. This is not the XXXX and only business thats calling around about me. This just has to stop. They are calling my job, family, friends anyone that can get a hold to me. Most times they called threatening me & whomever that they are contacting about me saying they have filed my information in the XXXX XXXX courts. I am so tired of these people calling everyone looking for me. They also claim the courts is giving out my relatives or next to kin information to locate folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX - XX/XX/2016 VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TN

Complaint narrative:
I am requesting the removal of certain information from my credit file, as detailed in the attached XXXX document. I am a victim of identity theft and have multiple accounts and inquiries on my report that I did not authorize. I ask that these items be deleted so my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. I request that these items be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I tried repeatedly to get information about this claim with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: NY

Complaint narrative:
Re : Debt Validation Request under FDCPA Account Reference # : XXXX / XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$360.00} Dear Jefferson Capital Systems, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I am disputing this alleged debt and requesting full validation.

I do not acknowledge this debt as valid, especially as the original creditor listed, XXXX XXXX, has not existed for many years. Please provide : XXXX. Proof that your company has the legal right to collect this debt, including chain of assignment from XXXXXXXX XXXX to Jefferson Capital Systems. 
XXXX. A copy of the original signed contract or account agreement bearing my signature. 
XXXX. A complete accounting of how the amount of {$360.00} was calculated, including interest or fees.

4. Verification that this debt is being reported accurately to the credit bureaus, if at all.

5. Confirmation that the statute of limitations for legal enforcement has expired, as noted in your own correspondence.

Until proper validation is provided, you must cease all collection activity and stop reporting this account to any credit reporting agency, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: WV

Complaint narrative:
I am reporting willful violations of the FCRA and FDCPA by Online Information Services ( XXXX  ).

CHRONOLOGY OF INITIAL VIOLATIONS : XX/XX/year> : XXXX  places the collection account on my credit report. 

XX/XX/year> : XXXX  sends me an initial demand letter. 

XX/XX/year> : I call XXXX and I dispute the debt. 

XX/XX/year> : XXXX  sends me a letter stating, 'Our office is in receipt of your letter of dispute and request for verification. ' This is their written admission that they received my dispute.

THE CORE VIOLATION : From XX/XX/XXXX to XX/XX/year>, XXXX willfully fails to report the account as 'disputed ' to the credit bureaus for 25 days, violating the FCRA and FDCPA. 

XX/XX/year> : I call XXXX and inform them of their violations. 

EVIDENCE OF FRAUDULENT CONCEALMENT & TAMPERING : After I threatened legal action on XX/XX/XXXX, I discovered XXXX had added a remark dated XX/XX/XXXX stating 'Consumer Disputes After Resolution. ' This remark is logically impossible and proves fraudulent backdating : The 'Resolution ' Was Their XX/XX/XXXX Letter - The only possible 'resolution ' was their XX/XX/XXXX validation letter. 

Impossible Timeline - For me to have disputed 'after resolution ' by XX/XX/XXXX, I would have needed to : Receive their XX/XX/XXXX letter ( mail delay ) Review it and decide to dispute Communicate my dispute to them Have them process and report it ALL BY XX/XX/XXXX The Truth- This remark did not exist until AFTER my XX/XX/XXXX call when I threatened to sue. They created a false, backdated record to conceal their original violation.

This pattern shows willful non-compliance evolving into deliberate fraud. I request the CFPB investigate and require XXXX  to delete this fraudulent trade line. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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