vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-16 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:
I would like to request for Enforcement Action Against Experian. They are in violation of FCRA 611 Unreasonable Reinvestigation / Failure to Forward Evidence / Failure to Notify. I am demanding that the CFPB open a full-scale enforcement investigation of Experian for systemic violations of the Fair Credit Reporting Act, 15 U.S.C. 16811681x FCRA. In multiple disputes I submitted, Experian failed to conduct a reasonable reinvestigation of my disputes, as required by FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) ; They failed to forward all consumer-provided documentation to furnishers, in violation of FCRA 611 ( a ) ( 2 ) ( 15 U.S.C. 1681i ( a ) ( 2 ) ) ; They did not accept only reliable responses from furnishers, contrary to FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) ; I also was not provided with the written results of their reinvestigation and a notice of my right to add a statement of dispute, as mandated by FCRA 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ( a ) ( 6 ) ). Despite my timely disputes and submission of supporting documents, Experian has neither corrected nor removed the inaccurate and unverifiable tradelines at issue. This egregious non-compliance deprives me of my statutory right to fair and accurate credit reporting, exposes me to financial harm, and violates CFPB Regulation V ( 12 C.F.R. Part 1022 ). Moreover, I note that on XX/XX/year>, the CFPB filed suit against XXXX  XXXX for virtually identical failures under FCRA 611 ( Civil Action No. 1:21-cv-01271, D.D.C. ). In that action, the Bureau found TransUnion systematically ignored consumer evidence, accepted unreliable furnisher responses, and failed to notify consumers of dispute outcomes. Experians conduct mirrors those violations and demands the same rigorous enforcement. The accounts in question are, XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX  XXXX # XXXX Accordingly, I respectfully request that the CFPB Initiate an investigation into Experians dispute-processing procedures and compliance with FCRA 611 ; Take enforcement action to compel Experian to correct its reinvestigation protocols, forward consumer evidence to furnishers, and provide timely dispute-outcome notices ; Require Experian to purge all remaining inaccurate or unverifiable accounts from my credit file and provide written confirmation to me and all furnishers ; Impose any civil penalties or remedial measures necessary to deter future violations. Thank you for your prompt attention to these serious consumer-reporting violations.

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 2025-07-16 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint due to inaccurate, unverifiable, or unfair negative items being reported on my credit by both debt collectors and original creditors. These items are negatively impacting my credit profile, and I believe they may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Debt Collection Accounts : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$230.00} I do not recall receiving proper validation of this debt. No documentation was sent within 5 days of initial contact. I never received verification of the amount or original creditor. 

XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amount : {$430.00} This collection was placed on my credit report without notice or validation. I have serious doubts about the legitimacy of this debt and its balance. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2100.00} This debt is more than XXXX XXXX XXXX and XXXX be close to the XXXX reporting limit. I have not been contacted by this agency and was never given an opportunity to validate the debt. 

All XXXX agencies have failed to : Provide written validation upon request Confirm the accuracy of balances Respond to prior disputes Offer resolution or removal despite attempted communication XXXX. Accounts with Missed Payments : a. XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payments reported These late payments are being reported without sufficient documentation or context. I have disputed them before with no result. I believe some of the dates XXXX be incorrect or excessive. 

b. XXXX  XXXX Status : Closed XXXX Missed Payments The reporting on this closed account is negatively affecting my credit. I have not received any validation of these missed payments and have requested goodwill adjustments which were ignored. 

XXXX XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payment I believe this was a credit builder account. The single missed payment XXXX have been reported in error or as a system failure. Ive attempted to dispute it but received no response.

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 2025-07-16 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:
I am filing this complaint due to inaccurate, unverifiable, or unfair negative items being reported on my credit by both debt collectors and original creditors. These items are negatively impacting my credit profile, and I believe they may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Debt Collection Accounts : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$230.00} I do not recall receiving proper validation of this debt. No documentation was sent within 5 days of initial contact. I never received verification of the amount or original creditor. 

XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amount : {$430.00} This collection was placed on my credit report without notice or validation. I have serious doubts about the legitimacy of this debt and its balance. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2100.00} This debt is more than XXXX XXXX XXXX and XXXX be close to the XXXX reporting limit. I have not been contacted by this agency and was never given an opportunity to validate the debt. 

All XXXX agencies have failed to : Provide written validation upon request Confirm the accuracy of balances Respond to prior disputes Offer resolution or removal despite attempted communication XXXX. Accounts with Missed Payments : a. XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payments reported These late payments are being reported without sufficient documentation or context. I have disputed them before with no result. I believe some of the dates XXXX be incorrect or excessive. 

b. XXXX  XXXX Status : Closed XXXX Missed Payments The reporting on this closed account is negatively affecting my credit. I have not received any validation of these missed payments and have requested goodwill adjustments which were ignored. 

XXXX XXXX ( XXXX XXXX XXXX  ) Status : Closed XXXX Missed Payment I believe this was a credit builder account. The single missed payment XXXX have been reported in error or as a system failure. Ive attempted to dispute it but received no response.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OR

Complaint narrative:
Well in XXXX of XXXX I trade in my old car ( XXXX XXXX XXXX with XXXX miles ) for a new XXXX ( XXXX XXXX with XXXX miles ) then the electric system went a little crazy and it burned the radio in XXXX same year, so I took it to the XXXX shop to be fixed, they couldnt fix the car in XXXX, in XXXX neither so I was like Im not paying for a car they can fix so I contacted law lemon lawyer to explain them the situation and they were like yeah we will help you to get rid of the car and they opened a case ; in those months my mom died and I have to spend my savings to cover the funeral expenses and to be honest I felt like XXXX too and I didnt make like XXXX payments because I didnt have money since I spent all of it on funeral expenses and there were days that I didnt want to work as well ; so in XXXX they still couldnt fix the car because they were waiting for the parts from XXXX then suddenly XXXXn the same month ( XXXX ) they just told me that the XXXX XXXX case was closed and XXXX repossessed the XXXX without fixing it ; so they just let me without my old car, the new car, with bad credit and a huge fee for the repossession around XXXX, so XXXX sold the XXXX to a company is called XXXX XXXX XXXX and XXXX XXXX sending me letters and emails because they want me to pay XXXX ; so I called XXXX too many XXXX and all the calls were just dead end since they didnt want to listen to me ; weird thing is that at the beginning of this year that debt collection disappeared from my credit due to the XXXX XXXX XXXX of XXXX XXXX ; so I was happy and then I tried to fix my credit, I pay another car that my wife uses and a loan and I was so exited that finally my credit was gon na be fixed so I can get another car loan and guess what? Suddenly my credit didnt improve at the contrary it went down more because XXXX XXXX XXXX debt collection appeared again in my credit ; so its been almost 2 years since that happens and I cant get a loan, a car, nothing since my credit is bad thanks to XXXX XXXX I just want that collection to be removed so I can have a fresh start, another chance, another opportunity ; I really need help please. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Complainant Name : XXXX XXXX Complaint against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  : XXXX XXXX  : XXXX Servicer : XXXX XXXX XXXX XXXX XXXX  XXXX, see attached Account or Loan Number n/a -- see attached reassignment, I intervened. 

Summary of Complaint : I am the lawful fee simple owner of the property listed above by virtue of a final judgment entered by the XXXX XXXX XXXX  Court on XX/XX/year>, under Index No. XXXX ( Motion Sequence No. XXXX ) see attached. Despite this final adjudication, attorneys for XXXX Bank XXXX, XXXX XXXX and XXXX XXXX Currently under a XXXX lawsuit docket sheet filed in the matter of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., Case No. XXXX, currently pending before Judge XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX filed a Notice of Reassignment on XXXX  on XX/XX/year>, purporting to transfer servicing rights to XXXX XXXX ( Shellpoint ), without any recorded assignment of the note or mortgage in the XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX has taken no steps to validate this purported interest and continues to act as a debt collector or servicer without legal standing. This conduct is not only misleading and unlawful, but also in violation of federal mortgage servicing laws : 12 C.F.R. 1024.38 Failure to maintain accurate servicing records ; 12 C.F.R. 1024.41 ( f ) Initiating collection activity without confirming standing ; 12 C.F.R. 1026.36 ( c ) Failure to disclose a valid change in ownership or servicer. 
Shellpoints failure to record a valid XXXX or produce a legal assignment renders their claims void. Their inaction creates confusion in the chain of title and threatens my vested property interest. 
I demand that XXXX : XXXX. Cease all collection or foreclosure activities ; XXXX. Formally release or disclaim any lien interest ; XXXX. Correct the false public record they have contributed to via XXXX ; XXXX. Be investigated for potential violations under the Consumer Financial Protection Act and applicable XXXX XXXX XXXXXXXX mortgage servicing regulations. 
I have already sent a formal written demand to XXXX via certified mail. If no corrective action is taken, I intend to pursue injunctive and monetary relief in XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows: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 XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
After receiving numerous emails and text I sent a cease and desist letter and requested do not contact until I receive the following : XXXX. A complete and valid Forward Flow Agreement and/or other contractual documentation that demonstrates a lawful sale or transfer of the alleged debt from the original creditor to your agency or any intermediary entities. 
XXXX. A full Bill of Sale, including all assignments, that is unbroken and clearly identifies my specific account as part of the sale. 
XXXX. An unbroken chain of title or assignment, clearly showing all transfers of ownership of the debt from the original creditor to your organization. 
XXXX. Account-level documentation, including but not limited to the original signed contract, all itemized account statements, and payment history allegedly giving rise to the debt. 

I sent this in a cease and desist letter on the XX/XX/year> and had not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I are setting up our living trust. This includes transferring title from both our our names into the trust where we are both trustees. There is no sale taking place. Bank of America as indicated that they do not approve of transferring title to our trust and they would call the loan due if we transferred it into the trust because its non-owner occupied. It has always been non-owner occupied since we purchased it XXXX  years ago, there is not change in status. I believe this is a violation of the Gran-St. Germain Depository Institutions act of 1982.

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