vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was co
mplete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-11-19 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding inaccuracies in my credit report. The following accounts and information require review and correction. The disputed accounts are outlined below, separated by credit bureau : Charged-Off Accounts : XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$650.00} Inquiries : None reported. 

Late Payment : XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Request for Reinvestigation Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request a reinvestigation of inaccurate information that your company continues to furnish on my credit report. It is concerning that your agency is reporting data that is demonstrably false and harmful to my credit profile. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Therefore, I request that you provide documented evidence showing the procedures used to verify this account and the supporting records you relied upon. 
For identification purposes, I have included my full personal information above. Please correct all inaccuracies currently listed on my credit report and provide the following in writing to the address listed above : XXXXA detailed explanation of the reinvestigation process for each disputed item. 
XXXX.The name, department, and direct contact information of the individual responsible for the reinvestigation. 
XXXX.Copies of all documentation provided by the data furnisher to substantiate the reported information. 
The specific account in dispute is : Creditor : Porsche Credit Corporation Account Number : XXXX Date Opened : XX/XX/XXXX This company is inaccurately reporting that I was late in XX/XX/XXXX and XX/XX/XXXX. These late payments never occurred. Unless you can provide verified documentation proving that I was late during those months, I demand that you remove the inaccurate late payments immediately and update the status of this account to Pays as Agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 2025-11-19 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:
This entry inaccurately depicts my financial conduct and appears to be a mistake. Please make the necessary corrections to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-19 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:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-11-19 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:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially XXXX that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-11-19 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 submitting this complaint because inaccurate and unverifiable information continues to appear on my credit reports. I am requesting that the Consumer Financial Protection Bureau assist in having the credit reporting agencies conduct a proper investigation and remove or correct these items in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts Charged Off The same XXXX accounts are inaccurately reported as charged off. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3800.00} XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/year> These accounts should not be listed as charged off. If XXXX has sold, transferred, or consolidated these loans, Experian should update the status accordingly or remove the entries if unverifiable. 

Disputed Late Payments XXXX Acct : XXXX XXXX XXXX XXXX XXXX Late payment history does not match my records. Please investigate and correct any inaccurate data.

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 2025-11-19 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:
The reported item is an error and negatively affects the accuracy of my financial profile. Please correct it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2025-11-19 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 submitting this complaint regarding a fraudulent credit card account that is appearing on my Equifax credit report as a result of identity theft. I am requesting that this item be investigated and removed, and that Equifax comply with its obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( FCRA 605B ) and 15 U.S.C. 1681i ( FCRA 611 ).

There is a credit card account on my Equifax report that I did not open, authorize, or use. I am an identity theft victim. I do not have the full account number ; however, I am identifying the account based on how it appears in my Equifax consumer disclosure. The account appears as a revolving credit card with an account number shown as xxxxxxxxxxxx XXXX, listed as an individual account, with a status of NOT_MORE_THAN_THREE_PAYMENT_PAST_DUE, activity designator Closed, opened on or about XX/XX/year>, reported on or about XX/XX/year>, with a date of first delinquency of approximately XX/XX/year>, a balance around {$16000.00}, credit limit of about {$14000.00}, and high credit of about {$16000.00}, with approximately 9 months reviewed. I never applied for, received, activated, used, or benefited from this account in any way. 

Under FCRA 605B, a consumer reporting agency that receives an identity theft report and a request from the consumer must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX ( XXXX ) business days of receiving the identity theft report. The statute requires that I identify the information in my file that is the result of identity theft ; it does not require me to provide the full account number, which I reasonably do not have as an identity theft victim. I am doing so here by describing the account exactly as it appears in my Equifax disclosure and by providing an identity theft report and supporting documentation. 
To assist the CFPB and Equifax in verifying my identity and the validity of my claim, I am attaching the following supporting enclosures with this complaint : A copy of my Identity Theft Report ( FTC-based or police report ) ; My personal written identity theft statement specifically identifying the fraudulent account and invoking FCRA 605B ; A copy of my drivers license ; A copy of my Social Security card ; A copy or excerpts of my Equifax credit report with the fraudulent account clearly identified. 

I am asking the CFPB to ensure that Equifax properly blocks and removes this fraudulent account in compliance with FCRA 605B and 611, and that I receive written confirmation of the actions taken on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a second time I complain about this mortgage servicer. I don't understand how this business is trying to foreclose on me and has avoided my request for a verification of debt and standing. They have cost a lot of injury to me and my family and my finances. I need to understand how this is possible for them to do. Shell point has no standing because they have no authority to take such legal actions because the loan owner is not record and I have no legally binding obligation to these account and debt. My loan ending in # XXXX is closed with XXXX balance, XXXX XXXX original lender. I never consented to any changes in my contact or a new account being open ending # XXXX. I never signed anything to that loan account through ShellPoint mortgage servicer.... XXXX Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XXXX XX/XX/year>, I made several attempts to communicate with Planet Home Lending in regards to a request for initial loan balance, current monthly payment amount and a yearly reflection of loan balance. The first call was apparently " dropped ''. The second XXXX was ineffective, limited in XXXX proficiency and then, boldly hung up on me during the almost XXXX minute call. 

I called back a third time, attempted to speak to another ( XXXX Customer Service Representative ) only to experience the same level of service. That is, very limited understanding of my request, unable to provide me with an initial loan balance, unable to effectively communicate in XXXX and then long holding periods while the " checked with supervisor ''. 

At the end, I requested to simply speak with the supervisor, rather than being put on hold so many times, only to be told that the supervisor " is not available '' at this time, and the document was " already sent to you, so no need to speak to supervisor ''. I emphasized that I had not received the previously requested document ( requested via email earlier in the day ) and that I still wanted to speak to a supervisor to submit my request for information regarding my loan. The XXXX appeared fearful of having to communicate with the supervisor. 

I was asked to " please hold '' again, only to wait an additional amount of time to be told that the supervisor is not available. I asked for the supervisor 's name, they reluctantly shared that her name is " XXXX ''. XXXX refused to address the issue, come to the phone as she/he was " helping another complaint at the moment '' for over XXXX minutes. 

The entire process went passed the XXXX minute mark, at which time XXXX provided me with the documents I requested. Amazing. The supervisor never came to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IN

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 explanation