vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute information that is not currently appearing nor being reported correctly on my credit report regarding my mortgage account with Shellpoint Mortgage. 

The errors are as follows : XXXX. The account is being reported as in dispute, which is incorrect. I am not disputing this account with Shellpoint Mortgage, and this notation is inaccurate. 
XXXX. My mortgage payment history has not been reported since XX/XX/year>, since Shellpoint acquired my mortgage loan. My payments have been made on-time and should be accurately reflected in my credit report. 

These inaccuracies negatively affect my creditworthiness and must be corrected immediately. 

Requested Actions : * Remove the erroneous consumer disputes this account notation from my Shellpoint Mortgage tradeline listed with XXXX, XXXX  and XXXX  during a credit soft pull. 
* Update the tradeline to accurately reflect my full payment history for all XXXX  Credit Bureaus ( XXXX, XXXX  and XXXX  ) from XX/XX/year> to present. 

Please investigate this matter and provide written confirmation once the corrections have been made. My recent mortgage statements will assist with your investigation. A copy of my credit reports are not included because Shellpoint is not shown on either one. Another lender alerted me to this major error. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card reduced my credit limit from {$1500.00} to {$500.00} on XX/XX/XXXX while a {$1400.00} payment was still processing. Apple Card payments take up to 7 days to clear, so the payment had not posted yet when the limit was reduced. 

That payment has since fully posted, and my current balance is only {$87.00}, but Apple Card refuses to reevaluate my limit with the updated and accurate information. Support agents continue to direct me to XXXX, even though XXXX  does not control Apple Card credit limits and can not review this timing issue. 

I am requesting a manual reconsideration by Apple Cards underwriting team based on the payment posting and the corrected utilization data. This is a timing-related risk assessment error that has not been reviewed by the appropriate credit department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 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: LA

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inquiries in Dispute : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments in Dispute : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$430.00}

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 2025-12-09 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:
Please assess the provided documents ; the questions arrived unexpectedly and might not be sanctioned.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I began receiving automated emails from Experian the consumer reporting company. The emails stated that there has been a new credit card added to my credit report but I have not opened any credit cards. I tried to log into the account several times and several different ways but I have chanced my phone number since then and have no way of accessing the old number that is required to log into the account. 

I wish to get access to this account and to stop the potential fraud on my credit.

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 2025-12-09 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:
Would you take a moment to review this entry? It could be inaccurate and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate/unauthorized XXXX  credit inquiries that appear on my Experian credit reports. I did not authorize these companies to access my credit file, nor did I submit any credit applications or provide consent on the dates listed. 
Under FCRA 604 ( 15 U.S.C. 1681b ), a credit inquiry requires a permissible purpose and consumer authorization. These inquiries do not meet that standard.

I disputed the inquiries directly with the credit bureaus under 15 U.S.C. 1681i, requesting a reinvestigation. These inquiries are inaccurate and can not be verified because I did not authorize them.

The credit bureaus are required under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy. I am requesting that the CFPB ensure the furnisher and the credit bureaus comply with their reporting and verification obligations. 

Experian : - XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXX  ( XX/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 2025-12-09 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: TX

Complaint narrative:
To Whom It May Concern I am submitting this complaint because multiple accounts on my credit report are reporting inaccurate, unverified, and misleading information. These errors are harming my credit profile and violating my rights under the FCRA. I am requesting a full investigation and immediate correction or deletion of all inaccurate data listed below. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance {$390.00} Date Opened XX/XX/XXXX Reported Late Payment but I never made any late payments on this account and the reporting is false and damaging and I am requesting this history to be corrected immediately XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance {$880.00} Date Opened XX/XX/XXXX Reported Late Payment but I always paid on time and never missed any payment and this information is inaccurate and must be corrected XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$130.00} Date Opened XX/XX/XXXX Reported as Charge Off but I have no knowledge of this account I never opened it and I am requesting complete deletion due to inaccurate, unverified, and fraudulent reporting XXXX  XXXX  Acct : XXXXXXXX XXXX  High Balance {$19000.00} Date Opened XX/XX/XXXX Reported as Charge Off but I have no knowledge of this account the information is unverified and damaging and I request removal for failure to validate ownership and accuracy XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX High Balance {$22000.00} Date Opened XX/XX/XXXX Reporting a Charge Off which I do not recognize I never opened or authorized this account and I request immediate deletion for inaccurate and unverified reporting XXXX  XXXX  Acct : XXXX High Balance {$3500.00} Date Opened XX/XX/XXXX Reporting a Collection account which I have no knowledge of I never received validation or notice and this account must be removed for failure to verify ownership I am requesting CFPB assistance to ensure the creditors and credit bureaus comply with FCRA 602, 607, and 611 by providing proper verification or deleting all inaccurate data. These accounts are causing serious harm and must be corrected or removed immediately. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a consumer seeking to correct inaccuracies in my credit report. Please review the following accounts that I dispute, categorized by account type and separated by credit bureau. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6000.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$230.00} Inquiries 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

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

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 2025-12-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief