vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my 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 2025-04-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment with my checking account to prevent my account being reported as 30 day late which they told me that it will not be reported for some reason they did not take the money out so I went and made the payment because apparently another company tried to take money out of my account that was fraudulent so my bank blocked my account so I went and made the payment

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment with my checking account to prevent my account being reported as 30 day late which they told me that it will not be reported for some reason they did not take the money out so I went and made the payment because apparently another company tried to take money out of my account that was fraudulent so my bank blocked my account so I went and made the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment with my checking account to prevent my account being reported as 30 day late which they told me that it will not be reported for some reason they did not take the money out so I went and made the payment because apparently another company tried to take money out of my account that was fraudulent so my bank blocked my account so I went and made the payment

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 2025-04-22 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 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.

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 2025-04-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/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 2025-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Our FHA mortgage account was pending Foreclosure. 

XX/XX/year> - Reinstatement Letter from XXXX XXXX XXXX, XXXX. representing NewRez LLC dba Shellpoint Mortgage Servicing requested {$21000.00} to reinstate loan. 

XX/XX/year> - Closing Disclosure from lender XXXX approved XXXX XXXX  for {$21000.00} to reinstate delinquent mortgage account to cover XX/XX/year> payment and bring it out of default status. 

It is believed excessive fees ( including attorney fees ) were deducted from the XXXX XXXX loan resulting in a short payment on the mortgage causing the loan to remain in delinquent status and default. 

Countless requests from XXXX and ourselves ( the borrowers ) have been made to NewRez LLC XXXX Shellpoint Mortgage Servicer and their attorneys requesting transparency in account management and an itemization of the distribution of funds - but to no avail. 

XX/XX/year> - Appeal and Error Resolution Notice sent to NewRez LLC dba Shellpoint Mortgage Servicing to request correction to our account and inform them that they may potentially be managing our mortgage loan and/or the CHFA reinstatement funds in bad faith ; deceptively, unlawfully. 

To date - Still no response for resolution from mortgage lender/servicer and/or their attorney's/representatives.

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 2025-04-22 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: TN

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
XXXXIM A VICTIM OF ID THEFT IN THE INVESTIGATION HERE ARE A LIST OF FRAUDULENT INQUIRIES FOUND ON MY CREDIT REPORTS: Creditor Name\n\nDate of Inquiry\n\nCredit BureauXXXX XXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXX XXXXXXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXXTransUnion\XXXX XXXXXXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXXXXXX XXXXExperianXXXX XXXX XXXXTransUnionXXXX XXXXTransUnion\XXXXTransUnionXXXX XXXXXXXX XXXXTransUnionXXXX XXXX XXXXXXXXExperianXXXX XXXXExperianXXXXEquifaxXXXX XXXXEquifaxXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXXXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifax'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Chime Financial Inc
State: NY

Complaint narrative:
So I always charged extra for XXXX XXXX AND CHIME ALWAYS TAKING MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: OH

Complaint narrative:
I am disputing a {$160.00} collection account reported by MG Credit Corp to TransUnion. I believe the reporting is inaccurate and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I requested validation of the debt, and MG Credit Corp provided a contract dated XX/XX/year> and a ledger of charges. However, this documentation is insufficient to validate the debt for the following reasons : The ledger does not clearly explain how the balance of {$160.00} was calculated. It includes multiple reversed transactions, unclear fees, and vague line items with no full itemization. 
There is no record of cancellation, billing errors, or a final bill confirming that I owe this balance.

MG Credit Corp confirmed in writing that they did not purchase the debt and are acting only as a collection agent. They did not provide any documentation showing they are authorized by XXXX XXXX to report this debt to the credit bureaus. 

Despite this, they have reported the account to TransUnion, damaging my credit profile. 

This account is causing financial harm, and it should be removed from my TransUnion credit report due to failure to properly validate the debt and provide lawful reporting authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a matter concerning hard inquiries on my credit report that I believe are a result of identity theft. Despite multiple attempts to dispute these inquiries directly with Equifax, I have not received a satisfactory resolution. 

In my communications with Equifax, I have consistently received the following response : " The Results Of Our Reinvestigation : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This response does not address the fact that these inquiries were made fraudulently and do not reflect my actual credit activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Last XXXX  months I checked my credit it was in a XXXX hundred range with this loan that doesnt support to report back credit is infecting my account need help

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 2025-04-22 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 filing this complaint because multiple disputes I submitted with Experian regarding inaccurate items on my credit report have not been properly addressed, and I have not received sufficient evidence showing that a reasonable investigation was conducted by the credit reporting agencies involved. Despite following the proper procedures and submitting my disputes in writing via mail, I have not received any documentation or verification responses that demonstrate the disputed accounts were thoroughly investigated as required by the Fair Credit Reporting Act ( FCRA ). 

The disputes were submitted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each of these letters included clear identification of the disputed accounts, supporting documentation, and a formal request for investigation. However, the credit reporting agencies have either failed to respond adequately or responded with generic summaries or automated replies, without providing detailed findings or investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 recently received a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting 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 2025-04-22 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-22 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: WV

Complaint narrative:
I have told them to stop communicating and that I was not paying a debt that was not mine and they keep bothering me! Company name is upgrade inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with explanation