vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
Experian is inaccurately reporting the same debt twice on my credit file, which constitutes duplicate negative reporting and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to assure maximum possible accuracy. 

The debt originated with XXXX XXXX XXXX XXXX XXXX XXXX  and was sold to a debt buyer. However, Experian is showing two separate entries for the same account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as Paid in settlement with a \ {$5800.00} original balance, opened XX/XX/XXXX. Status updated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as a Collection account with the same \ {$5800.00} balance, opened XX/XX/XXXX. Status updated XX/XX/XXXX. 

Both entries show : * Same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same original balance : * * \ {$5800.00} * * * Same date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Same debt, but different statuses The debt was sold and transferred to XXXX XXXX XXXX, who settled the account ( Paid in settlement ). Despite this, Experian continues to report XXXX XXXX ( the original creditor ) as an unpaid collection account * * after the debt was already sold * *. This is inaccurate and misleading once a debt is sold, the original creditor should not continue to report it as an active collection. 

* * This is harmful because : * * * It creates the false impression that I have two separate delinquent debts.

* It artificially inflates my total outstanding debt.

* It lowers my credit score and misrepresents my payment history.

* * FCRA Violations : * * I sent Experian a dispute letter in XXXX on the XXXX XXXX as of today I have not received a response * * * 1681e ( b ) * * Failure to maintain reasonable procedures to assure maximum possible accuracy of information.

* * * 1681i ( a ) * * Failure to conduct a reasonable reinvestigation after a dispute * Continued reporting by the original creditor as a collection after sale of the debt is misleading and does not meet FCRA accuracy requirements.

Requested resolution : * * I request that Experian * * delete both entries * * the XXXX XXXX XXXX and XXXX XXXX listings because they are duplicates of the same debt, misreported, and one is being reported by the original creditor after the debt was sold. These duplicate and inaccurate entries violate the FCRA and are causing ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
Formal Dispute & Request for Complete File Disclosure, Chain of Custody, and Proof of Ownership 15 U.S.C. 1681g To Whom It May Concern, I am formally disputing the accuracy and validity of an account you are reporting or attempting to collect under my name. This account is alleged to belong to me, but I believe it may be the result of identity theft and misuse of my personal information following multiple national data breaches in which my private data was compromised. 

Pursuant to 15 U.S.C. 1681g ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a complete file disclosure containing all information you have in your records regarding this account. This must include, but is not limited to, the following : The original signed contract or application for credit bearing my signature.

A full itemized accounting of the debt, including principal, interest, fees, and payments.

The entire chain of custody, documenting every assignment, sale, or transfer of the alleged account from the original creditor to each subsequent party, including : Bill ( s ) of Sale or Assignment Agreements Documents specifically linking my alleged account to each transfer All internal notes, communications, and records in your possession related to the account.

The identity of the current legal owner of the debt and the authority by which they claim to collect or report it.

Please be advised : a generic system printout, credit bureau report, or unverifiable data sheet is not sufficient under federal law to validate or prove ownership of this account. Only original documents or true, complete copies directly showing the chain of custody will satisfy this request.

This dispute is also made under the identity theft provisions of the FCRA and the FACTA amendments, as my personal information was involved in multiple breaches beyond my control. I did not authorize the creation or continued reporting of this account. Any continued reporting without proper validation will be treated as willful noncompliance under federal law.

You have 30 days from receipt of this letter to fully comply. Failure to do so will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, along with any applicable civil action for violations of the FCRA and related statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
There are several anniversaries on my credit report, an error that I am disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
There are several anniversaries on my credit report, an error that I am disputing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Loan Servicer : Shellpoint Mortgage Servicing ( NewRez LLC ) Issue : Excessive and unjustified default interest charges assessed after a short-term, non-willful payment lapse caused by my banks unexplained processing failure, despite my prompt cure of the default. 

Summary & Timeline : XXXX XX/XX/XXXX : My bank failed to process my automated mortgage payments for 3 consecutive months ( XXXX, XXXX, XXXX ) because shell point increased my mortgage as a result of escrow adjustment which I did not know at the time, despite sufficient funds in my account. 

No notice was received from Shellpoint during these months. 

XX/XX/XXXX : Upon learning of the missed payments, I immediately made arrangements and paid the full arrears ( 3 months principal and interest and fees associated with it ) plus all late fees and NSF charges. 

Account was brought current. 

XX/XX/XXXX Statement : Shellpoint applied Default Interest Charges of {$7700.00} to my account. 

XXXX XX/XX/XXXX Statements : Default interest charges fluctuated between {$7700.00} and {$9300.00} without explanation. 

XX/XX/XXXX : I sent a formal written request to waive these charges, citing RESPA ( 12 U.S.C. 2605 ), CFPB Regulation X ( 12 CFR 1024 ), and Maryland Commercial Law 12-1021 on unconscionable interest.

This request was denied without a breakdown of calculations. 

XX/XX/XXXX : I sent a second request for full waiver with additional legal support and requested detail documentation on how the fees amount was computed and precedent cases. 

Shellpoints XX/XX/XXXX reply refused to reinvestigate, stating no new information was provided, despite their failure to ever provide an itemized calculation or contractual justification. 

XX/XX/XXXX : Shellpoint sent copies of my mortgage note and enclosures that do not identify any clause authorizing default interest or provide a numerical breakdown of the charges. 

Numeric Impact : Date Applied Charge Type Amount Cumulative Balance XX/XX/XXXX Default Interest {$7700.00} {$7700.00} XX/XX/XXXX XXXX. Default Interest {$8200.00} * {$8200.00} XX/XX/XXXX Adj. Default Interest {$9000.00} * {$9000.00} XX/XX/XXXX Adj. Default Interest {$9300.00} {$9300.00} * Approximate based on statements ; Shellpoint has refused to provide an exact breakdown. 

Legal Concerns : Violation of Regulation X ( 12 CFR 1024.35 ) Failure to investigate and correct servicing errors after written requests.

Violation of Regulation X ( 12 CFR 1024.36 ) Failure to provide requested loan information and documentation.

UDAAP Violation Unfair, deceptive, or abusive acts by imposing unexplained, disproportionate charges.

Maryland Commercial Law 12-1021 Prohibits unconscionable interest charges.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC 1681g, please remove them in 15 days. Relevant documents are attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: 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 XXXX Account # : XXXX 2. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX has violated my rights. A payment arrangement was made with this company and fully paid and loan was forgiven .This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I am disputing several inquiries that appear on my credit report which I did not authorize and for which I have no record of application or consent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only allow inquiries that are permissible under the law, and a creditor must have my written permission or a permissible purpose to access my credit file.

The following companies have inquiries on my report that I did not authorize : Tower Loan XXXX XXXX. XXXX XXXX  XXXX I contacted each company and requested proof of my written authorization or a permissible purpose for accessing my credit file. To date, no such proof has been 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 explanation
Consumer complaint received 2025-08-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX Date : XX/XX/year> To : Southwest Credit Systems XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Dispute Demand for Immediate Deletion under FCRA & FDCPA -- - Re : Fraudulent Account XXXX  Acct. No. XXXX XXXX XXXX XXXX XXXX {$3100.00} To Whom It May Concern, I am notifying you that the above-referenced account you are reporting is the result of identity theft. I did not open, authorize, or consent to this account in any way.

Enclosed are my Identity Theft Report, government-issued identification, and proof of address. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), a furnisher of information shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is the result of identity theft.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), once you receive : 1. Proof of my identity, 2. A copy of my identity theft report, and 3. Identification of the fraudulent account, you are legally obligated to cease reporting this account to any consumer reporting agency within four ( 4 ) business days.

Your continued reporting of this account after receipt of my dispute and identity theft documentation will be considered willful noncompliance, making you liable for damages under 15 U.S.C. 1681n and 1681o.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from communicating or threatening to communicate credit information which is known or should be known to be false, including failing to communicate that a disputed debt is disputed. You must also cease all collection activity on this account as it is fraudulent.

Demand : 1. Immediately delete this account from all credit reporting agencies.

2. Cease all collection efforts related to this account.

3. Provide me with written confirmation that the account has been removed and that you will not attempt to collect on it in the future.

Enclosures : Identity Theft Report ( FTC/Police Report ) Copy of Government-Issued ID

Company response to consumer: Closed with non-monetary relief