vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have disputed a Discover Bank account that I do not recognize and have repeatedly requested proper verification. Discover has not provided evidence that I opened this account beyond a set of prior billing statements, which does not constitute full proof of ownership or liability. 



This account has been reported inconsistently across credit bureaus, including differing balances and credit limits, and has even been removed entirely from my reports in the past, only to be reinserted later. Such inconsistent reporting raises serious concerns under the Fair Credit Reporting Act ( FCRA ). 



Additionally, Discover previously received a written cease-and-desist request yet continued to contact me for months afterward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to the highest standard of accuracy. These errors are weighing heavily on me and continue to affect my life in deeply negative ways. Correcting or removing them would be a great help during these difficult times.

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 2025-08-11 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-11 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: MD

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
Consumer complaint received 2025-08-11 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX  XXXX, XXXX ( TransUnion : XXXX ), XXXX XXXX XXXX ( Experian XXXX XXXX ), XXXX  ( TransUnion : XXXX ), XXXX XXXX XXXX ( Equifax & Experian : XXXX ), XXXX  XXXX  ( Equifax. Experian. TransUnion : XXXX ). XXXX ( Experian & TransUnion : XXXX ). XXXX ( TransUnion : XXXX ). XXXX. XXXX  ( Experian & TransUnion : XXXX ). Equitax, Experan, TransUnion : XXXX ), XXXXExpenan & ransUnion : XXXX ) XXXX XXXX : XXXX ) ( Expenan & ransUnionXXXX XXXXXXXX ( Equifax, Experian, TransUnion : XXXX ), XXXX XXXX XXXX ( TransUnion : XXXX ), XXXX XXXX  ( Experian : XXXX ), XXXX XXXX XXXX ( Experian : XXXX ), also the following inquiries were unauthorised XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  officially merged into XXXX  XXXX, XXXX, making XXXX  XXXX the successor-in-interest to all Discover accounts. I had a XXXX personal loan account ending in [ XXXX ] with a reported balance of {$27000.00}. 

On XX/XX/XXXX, I was sued by XXXX XXXX  for this account. The case was dismissed by the judge on that date, making the debt no longer legally enforceable. 

After the dismissal, I obtained my credit reports from Equifax, Experian, and TransUnion and saw that the account was still being reported as a charge-off with a past-due balance by XXXX XXXX  ( now XXXX XXXX XXXX, XXXX. ). 

On XX/XX/XXXX, I disputed the account with all three credit bureaus, providing a copy of the court dismissal order as proof that the debt was uncollectible. 

Equifax dispute result received XX/XX/XXXX Verified, no change Experian dispute result received XX/XX/XXXX Verified, no change TransUnion dispute result received XX/XX/XXXX Verified, no change In each case, the bureaus stated they had verified the account as accurate with XXXX  XXXX, despite the court order showing the debt should not be reported as an unpaid, past-due charge-off. This continued reporting is inaccurate and misleading in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 623 ( a ). 

I am requesting that the CFPB require XXXX  XXXX, XXXX, as the furnisher, and the credit reporting agencies to delete this account from all three credit reports. I also request a review of XXXX XXXX  verification process, as they have continued to report information that is factually and legally inaccurate.

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 2025-08-11 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:
On XX/XX/XXXX, XXXX XXXX  officially merged into XXXX  XXXX, XXXX, making XXXX  XXXX the successor-in-interest to all Discover accounts. I had a XXXX personal loan account ending in [ XXXX ] with a reported balance of {$27000.00}. 

On XX/XX/XXXX, I was sued by XXXX XXXX  for this account. The case was dismissed by the judge on that date, making the debt no longer legally enforceable. 

After the dismissal, I obtained my credit reports from Equifax, Experian, and TransUnion and saw that the account was still being reported as a charge-off with a past-due balance by XXXX XXXX  ( now XXXX XXXX XXXX, XXXX. ). 

On XX/XX/XXXX, I disputed the account with all three credit bureaus, providing a copy of the court dismissal order as proof that the debt was uncollectible. 

Equifax dispute result received XX/XX/XXXX Verified, no change Experian dispute result received XX/XX/XXXX Verified, no change TransUnion dispute result received XX/XX/XXXX Verified, no change In each case, the bureaus stated they had verified the account as accurate with XXXX  XXXX, despite the court order showing the debt should not be reported as an unpaid, past-due charge-off. This continued reporting is inaccurate and misleading in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 623 ( a ). 

I am requesting that the CFPB require XXXX  XXXX, XXXX, as the furnisher, and the credit reporting agencies to delete this account from all three credit reports. I also request a review of XXXX XXXX  verification process, as they have continued to report information that is factually and legally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
In XX/XX/year>, a 30-day late payment was reported on my credit report by Exeter Finance LLC , which I believe is inaccurate. I have requested Exeter Finance to provide a full payment history and billing statements for the period to verify this information. Despite my dispute, the incorrect late payment remains on my credit report, negatively affecting my credit score. I am seeking a prompt investigation and correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was just recently sold to Shellpoint Mortgage from XXXX. This became effective XX/XX/2025. Prior to my loan being transferred i was approved for a streamline modification which was due to start XX/XX/2025. I called XXXX XXXX on XX/XX/2025 and made the first payment that was due on XX/XX/2025. As of today 's date I have gotten 3 separate calls from Shellpoint Mortgage and when I answer the call the line immediately diaconnects. I have also attempted to call Shellpoint mortgage four separate times where when I do I immediately get a message from XXXX XXXX saying the call can not be completed as dialed. I am calling the exact same number that is calling me so I am concerned as to why my call will not connect. The phone number that has called me and the same that I am attempting to call back is XXXX which is the same contact information that was provided to me from XXXX XXXX. It is alarming that this loan has been transferred for a full week now and I am not able to speak with them. I am asking for assistance in making contact with them to assure that my modification is being honored in which XXXX XXXX informed me that it would be. Thank you for your time in advance.

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 2025-08-11 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: PA

Complaint narrative:
I have several credit accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within the course of 4 months. They wrongfully lowered my credit limits when all bills are paid on time over and above minimum payments, even half to completely paid off. Still lowered credit limits huge and unreasonablely. Aftermath of this significantly lowered my credit score for something I didn't do wrong with ultimately gets me denied for new loans and if I even do get approved it's an astronomical interest rate. I'm not being treated fairly due to their wrongful decisions

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 2025-08-11 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> I C System XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Request and Dispute of Negative Collection Account Number : XXXX To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, 15 U.S. Code 1692c, a debt collector is prohibited from contacting a consumer in certain circumstances, including when the consumer has communicated in writing their desire to cease communication.

Furthermore, I dispute the validity of this debt and demand that you remove all negative collection information related to this account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obliged to ensure the accuracy and completeness of the information you report. Failure to do so may be subject to legal action.

Please be advised that I am requesting that all further communication regarding this debt be conducted solely through my legal representative or in writing. Any further direct contact with me via phone, mail, or otherwise will be deemed a violation of the law. 

If you continue to contact me in violation of this request or fail to remove the negative information, I will consider taking legal action and reporting the matter to the Federal Trade Commission, the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation