vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I am writing to file a complaint regarding a credit inquiry that was made on my credit report without my knowledge or consent. 

On XX/XX/year>25 I noticed a hard inquiry on my credit report from XXXX XXXX XXXX which I did not authorize. I have not applied for any credit, loan, or service from this company, and I did not give anyone permission to access my credit report. 

This unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies must have a permissible purpose and consumer consent before accessing a credit file. This inquiry has the potential to negatively impact my credit score and may indicate possible identity theft or improper business practices.

I have attempted to contact the company involved, but [ briefly describe their response or if they failed to respond ]. I am requesting the CFPB to investigate this matter and ensure the inquiry is removed from my credit report, and that appropriate actions are taken against the responsible party. 

Please let me know if you need any additional information or documentation from my side to proceed with this complaint. 

Thank you for your assistance. 

* * Sincerely, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this formal complaint against Bank of America for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, unverifiable, and defamatory information being reported on my credit report. 

I have discovered that Bank of America is furnishing inaccurate and inconsistent data to the credit reporting agencies regarding an account that either does not belong to me or has not been validated according to FCRA requirements. Specifically : Inaccurate and Unverified Information The account in question contains false details including erroneous payment history, balance, and/or status that do not reflect any legitimate debt obligation. Bank of America has failed to provide documentation validating the accuracy or existence of this account, despite my formal disputes. 
Inconsistent Reporting Across Credit Bureaus The account is being reported differently across XXXX XXXX XXXX XXXX, with discrepancies in dates, balances, and account statusraising major concerns about the credibility of the data. 
Failure to Investigate Disputes I have submitted multiple disputes regarding this information, yet Bank of America and the credit bureaus have failed to conduct a reasonable investigation or correct the record as mandated by FCRA Section 611 ( 15 U.S.C. 1681i ). 
These violations are not only unlawful but have directly impacted my credit standing and personal reputation, rising to the level of defamation of character. The willful and/or negligent noncompliance by Bank of America and the CRAs entitles me to relief under Sections 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) of the FCRA.

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 2025-04-30 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Upon transfer of servicing, Shellpoint mortgage failed to properly research a misapplied payment of {$530.00}, incorrectly placing the funds into escrow instead of properly applying it toward my mortgage. 
There was also a small balance discrepancy related to an interest rate adjustment of {$170.00}, which Shellpoint failed to properly disclose or explain. Every time I contacted Shellpoint ( multiple times from XX/XX/XXXX through XX/XX/XXXX, I was told not to make any payments until their research was completed, and that late charges and credit reporting would be corrected once resolved. 
Shellpoint never returned any calls, despite my repeated requests to speak to XXXX or XXXX I was consistently told they do not call back and would only respond by mail. 
Most recently, after months of inaction, Shellpoints escrow department issued a check on XX/XX/XXXX, instructing me to deposit it and manually submit a mortgage payment to bring the account current, instead of properly resolving the core issues. Shellpoint reported late payments to the credit bureaus, even though they repeatedly assured me that no delinquency would be reported during the dispute process. 
My most recent attempt to escalate was met with a call disconnection after being transferred to a supervisor no one called me back. 

My Requests : Immediate reversal of all late charges and negative credit reporting entries from XX/XX/XXXX through present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Experian added a medical collections account to my credit report. The rule by the CFPB states that it, " bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses. 

I am also in dispute of this debt with the medical facility so they should not be allowed to sale the debt and try to collect another way.

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 2025-04-30 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), credit inquiries may only be made with my explicit written consent or under permissible purposes as defined by federal law. 

Upon reviewing my credit file, I identified the following inquiries which I did not authorize and for which I did not apply for credit, services, or give permission to access my credit report : 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 XXXXXX/XX/XXXX These inquiries are a violation of my right to privacy and may negatively affect my credit score. Please consider this letter as my formal demand for an immediate investigation and removal of these inquiries from my credit file, in accordance with 15 U.S.C. 1681i.

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 2025-04-30 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:
I am a victim of XXXX XXXX. As a result of this victimization, fraudulent accounts were opened in my name and adverse information was reported to the credit bureaus without my knowledge or consent. These accounts do not reflect legitimate activity and are directly tied to the abuse I experienced. Despite not being responsible for these accounts, they continue to negatively affect my credit standing.

I have gathered and submitted the required XXXX documentation and proof of identity in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), which provides protections for survivors of XXXX I submitted my request directly to TransUnion to have this information blocked from my credit file, as required by 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 2025-04-30 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:
I sent in copies of credit report with police idenity report and inaccuracies underlined and I recieved no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-04-30 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Verification To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically

15 U.S.C. 1692g, I am entitled to request and receive verification of any debt you claim I owe. Please provide the following documentation to substantiate your claim : Original Contract with Wet Ink Signature : A copy of the original sig
ned agreement between myself and the original creditor, demonstrating my obligation to the alleged debt. 

Proof of Debt Ownership : Documentation evidencing your legal right to collect this debt, such as an assignment or purchase agreement from the original creditor. 

Account Statements : Detailed statements showing the account history, including charges, payments, and the current balance. 

Debt Validation Notice : A copy of the initial validation notice you are required to send within five days of first contact, as stipulated by 15 U.S.C. 1692g ( a ).

Licensing Information : Proof that your agency is licensed to collect debts in the state of Texas, as required by state law.

Statute of Limitations : Information regarding the date of the last payment or activity on this account to determine if the debt is within the statute of limitations for collection in Texas.

Please be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until this validation is provided. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I request that all future communications regarding this matter be conducted in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/year> AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
THIS IS NOT MY FIRST ATTEMPT TO REQUEST ASSIST IN HELPING ME REMOVE FRAUDULENT AND INACCURATE INFORMATION REPORTING ON MY CREDIT FILE. I AM A VICTIM OF IDENTITY FRAUD AND ATTACHED WILL BE ALL MY SUPPORTING DOCUMENTS. PLEASE HELP ME REMOVE ALL THOSE FRAUDULENT ACCOUNTS THAT WERE FRAUDULENTLY OPEN USING MY IDENTITY.

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