vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


NEGATIVE ACCOUNTS PLEASE DELETE : XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX/ # XXXX XX/XX/XXXX -- {$0.00} EXP UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion

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 2025-07-21 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


NEGATIVE ACCOUNTS PLEASE DELETE : XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX/ # XXXX XX/XX/XXXX -- {$0.00} EXP UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion

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 2025-07-21 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: GA

Complaint narrative:
There are several inaccuracies on my report that the investigation did not fix

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
There are several inaccuracies on my report that the investigation did not fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been trying to apply for a loan modification with Shellpoint Mortgage Servicing since XX/XX/year>. Despite submitting all required documentsincluding W-2s and completed applications ( which must be handwritten and mailed, not electronic ) my application has been repeatedly delayed or closed, with the company falsely stating that I did not respond. 

There has been minimal and inconsistent communication from Shellpoint. Whenever I reach out, Im transferred between departments and told my file is being worked on, but nothing progresses. When Shellpoint calls me, the system disconnects if I dont say hello quickly enoughmaking it appear as though Im unreachable, which I am not.

Most recently, I received a message stating that my loan modification request was closed due to lack of response, even though I mailed the completed application just last month. 

I am requesting a loan modification because my current mortgage payment is unaffordable. I need a lower interest rate and a manageable payment. This ongoing mishandling of my application has caused significant stress and hardship, and I am filing this formal complaint seeking assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute multiple inaccurate or unverifiable items reported on my Equifax credit report dated XX/XX/XXXX, as provided through myFICO. Please investigate each of the items below and correct or delete them under the Fair Credit Reporting Act ( FCRA ). 



1. Duplicate Account XXXX XXXX My report includes two XXXXXXXX XXXX accounts, one opened in XX/XX/XXXXXXXX XXXX and another in XX/XX/XXXX XXXX XXXX charged off ). I believe this may be a duplicate or misreported obligation. Please investigate and remove any erroneous entry. 



2XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Reporting Errors This account shows a voluntary repossession with last activity in XX/XX/XXXX, yet continues to report delinquencies through XXXX. 
This extended reporting of missed payments appears inaccurate and should be corrected to reflect the true last activity date. 



3. XXXX Incomplete History This closed account was reported as Pays as agreed, yet it includes several months marked as NO ( no data ). 
Please update the history to reflect accurate payment reporting, or remove the incomplete entries if they can not be verified. 



4. XXXX XXXX  Late Payment Dispute ( XX/XX/XXXX ) This account reflects a 30-day late payment in XX/XX/XXXX. I do not recall missing a payment and never received notice. 
Please validate this claim with the lender or remove it if it can not be substantiated. 



5. XXXX Charge-Off Challenge This account, opened in XXXX and closed in early XXXX, lists 60-day delinquencies and a charge-off. Given the accounts closure date and the age of the debt, please investigate whether this reporting is accurate and still applicable. 



6. XXXX XXXX XXXX XXXX Account Validation A collection account from XXXX XXXX XXXX is shown on my report, yet I have not received proper validation or communication from the collector. 
Under the FCRA, please confirm this debt is verifiable and legally reportable. If not, it should be deleted. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report they are hurt my ability to obtain 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 2025-07-21 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I sent a formal debt validation request to LVNV Funding LLC on XX/XX/year>, concerning an alleged debt originally from XXXX XXXXXXXX XXXX The account shows on my credit report with a balance of {$480.00}. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), they were required to respond within 30 days with proper verification of the debt including a copy of the original contract, a full accounting breakdown, and documentation of legal right to collect. 

As of today, they have failed to respond and continue reporting this unverifiable debt to the credit bureaus, which violates both FCRA and FDCPA. 

I request that this account be removed from my credit report and that LVNV Funding cease collection activity unless they can legally verify the debt with proper documentation. 

I am attaching my original dispute letter and follow-up letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
These actions were not authorized by me. I suspect they may be fraudulent. Please investigate. Documentation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I went to the Bank of America branch after noticing multiple unauthorized transactions from XXXX on my debit card. At the bank, I requested the cancellation of my debit card and the issuance of a new one. 
The bank representative called the Bank of America fraud department, and upon reviewing my account, they found that these unauthorized transactions had been occurring over an extended period. Most of the charges were smalltypically between XXXX to XXXX dollarsoften labeled as XXXX XXXX or XXXX XXXX, totaling {$1100.00}. I was told the issue would be investigated and that I would receive a response. 

In the days following ( XX/XX/XXXX, XXXX, and XXXX ), I began receiving a series of refunds that collectively totaled {$1100.00}. However, months later ( XX/XX/XXXX ), I received a letter from the bank stating that, after further review, they were unable to identify an error in the majority of the transactions. Specifically, they determined that {$1000.00} worth of charges would not be refunded. Only a small portion, {$140.00}, was officially credited back to my account. They also informed me that they would proceed to reverse the approved transactions on XX/XX/XXXX. 

Concerned by this outcome, I returned to the bank on XX/XX/XXXX and spoke again with the fraud department. They told me they would reopen the case and conduct a further investigation. However, when I checked my account on XX/XX/XXXX, I saw several reversal transactions related to my claim totaling {$33.00}. At this point, I am uncertain about the final resolution of the case.

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 monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX bankruptcy from XXXX SHOULD HAVE LEGALLY DISMISSED I HAVE REPORTED ( FOR YEARS ) REPEATEDLY TO ALL 3 CREDIT BUREAU 'S EXPERIAN XXXX  TRANSUNION XXXX  YET IT WAS ILLEGALLY RECLASSIFIED FOR XXXX FURTHER REDUCING MY CREDIT...

ALONG WITH ILLEGAL REPORTING OF MULTIPLE FRAUD ACCOUNTS, NAMES, ADDRESSES, DESPITE REPEATED FRAUD REPORTS. THEY HAVE DESTROYED MY LIFE FOR ALMOST 20 PLUS YEARS DUE TO THEIR FALSE REPORTING CO MINGLING MY CREDIT WITH A DIFFERENT XXXX XXXX AND NOT REPORTING MY MULTITUDE AND DECADES OF EXCELLENT PAYMENT HISTORIES

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 2025-07-21 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: CA

Complaint narrative:
I did not authorize these accounts and only recently became aware of them ; please delete them from my credit report within 15 days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation
State: FL

Complaint narrative:
Mailing Address Nationwide Credit Corporation XXXX XXXX XXXX XXXX, VA XXXX Physical Address Nationwide Credit Corporation XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX I contacted XXXX XXXXXXXX XXXX XXXXXXXX  on XXXX, XXXX XXXX Regarding financial hard ship. 

I survived XXXX XXXX  XXXX XXXX XXXX XXXX ) and had multiple repairs to my home I sent the message to XXXX XXXX on XXXX email titled " Hurricane Hardship XXXX '', XXXX, on XXXX sent an email to XXXX email : Ref XXXX informing 122 days ago " I called on XXXX to speak with somone to discuss the Hospital bill. I also called on XXXX and offered {$75.00} ''. 

I offered twice to pay {$75.00}. The payment or settlement was not accepted at that time. 

On XXXX, I received phone call from XXXX XXXX informing me of a bill of {$250.00}. I offered him {$75.00}, he stated, " they allow no negotiations ''. I informed him I previously offered the amounts and it was not accepted and sent a reply back via mail and email. However the offer of {$75.00}, was not accepted. 

He again stated, they won't accept any negotiations ''. I said who is " they ''. Employee XXXX XXXX stated " they '' are Nationwide credit collections and also stated he would make notations in the file. 

I asked him to read back to me what he would put in the file and he stated, " they won't allow any negotiations, they want payment in full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 do not recognize these inquiries and suspect fraud. Please investigate quickly. The necessary files are enclosed.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bank has a XXXX liability protection agreement for customers. 
Customers are not held responsible for unauthorized charges made on their card or account. 
Bank failed to adhere to this agreement ; bank failed to reverse unauthorized charges. 

ACTION : Reverse fraud transactions immediately Credit account. 
Reopen account or send a check for unauthorized transactions.

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 2025-07-21 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: NJ

Complaint narrative:
I reviewed my credit report and found multiple fraudulent accounts, collections, and inquiries that I did not authorize or open. These include accounts from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and a student loan account from DEPT OF EDXXXX XXXX I also found unauthorized collection entries, including a XXXX collection, and hard inquiries from XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I believe these entries are the result of identity theft following the unauthorized exposure of my personal information in a data breach. The DEPT OF ED/XXXX account may also involve a violation of the Family Educational Rights and Privacy Act ( FERPA ), as my educational records appear to have been disclosed without my consent. I formally disputed these items and am demanding the immediate blocking and permanent deletion of all fraudulent entries under FCRA 605B. These items have severely impacted my credit and were reported without my authorization. You are legally required to block this information within four ( 4 ) business days. Any delay or noncompliance may result in formal legal action for violations of federal law.

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 2025-07-21 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts to be removed from 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