vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this follow- up statement because I have identified multiple inconsistencies, mismatched reporting dates, and incomplete information appearing across all three major credit reporting agencies Experian, Equifax , and TransUnion regarding several of my closed accounts that currently reflect a {$0.00} balance. Despite these accounts being closed, each bureau displays different late payment months, varying levels of delinquency, or omits portions of the payment history entirely, raising concerns about whether the agencies have complied with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. For example, my XXXX accounts are reported by Equifax and TransUnion as having extended sequences of XXXX and XXXX late payments during XXXX and XXXX, while Experian does not report these delinquencies at all. This discrepancy indicates that at least one bureau is not receiving, verifying, or updating information consistently with the furnisher. Additionally, my XXXX XXXX account shows different late payment patterns depending on the bureau : Experian reflects late payments from XX/XX/XXXX through XX/XX/XXXX, Equifax reports a slightly different sequence beginning in XX/XX/XXXX through XX/XX/XXXX, and TransUnion lists yet another variation covering late periods from XX/XX/XXXX through XX/XX/XXXX. Since these agencies should all be receiving the same verified data from the same creditor, such discrepancies suggest a failure to maintain accurate and uniform reporting as required under FCRA Section 607 ( b ). My closed XXXX accounts further illustrate this issue, as Experian shows XXXX late entries that do not appear on Equifax or TransUnion, indicating again that the information is not being transmitted, matched, or verified consistently. These inconsistencies lead me to believe that previous reinvestigations conducted by the bureaus may not have satisfied the requirements of FCRA Section 611, which mandates a reasonable and thorough reinvestigation of disputed information. Because the dates of last activity, late payment entries, and payment histories differ across the bureaus, this indicates that the information has not been fully or accurately verified.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX reported multiple late payments on my credit report for XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), and XX/XX/XXXX ( 60 days ). I dispute these delinquencies as inaccurate, contradictory, and unverifiable. 

I requested documentation from XXXX XXXX to verify these reported late payments, including account statements, receipts, or proof of delivery, but they failed to provide any verifiable evidence. XXXX XXXX only stated that the information reported to the credit reporting agencies is accurate, despite not complying with legal requirements for delivering statements at least 21 days before the due date ( 15 U.S.C. 1666b ) and failing to provide required prior notification ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ). 

The reported codes are also internally inconsistent and violate the XXXX guidelines, making them unreliable. I am requesting that Experian conduct a thorough investigation and correct my credit report to remove these inaccurate, unverifiable, and contradictory entries. 

Attached are copies of the XXXX XXXX response to the CFPB, screenshots, and a copy of my Experian report highlighting the errors.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon checking my credit report i noticed that, a hard inquiry that i have no idea about, i want it removed

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 2025-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am formally reporting a severe case of identity theft resulting from the theft of my Social Security ID and Passport on or about [ Date of Theft ], which led to the fraudulent opening of multiple unauthorized accounts and numerous non-permissible inquiries on my consumer credit reports, discovered upon review on [ XX/XX/year> ]. I have already filed a FTC REPORT I demand that the Consumer Reporting Agencies and the respective furnishers immediately and permanently remove all resulting fraudulent entries, citing the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the prompt blocking of information resulting from identity theft, and 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require a thorough reinvestigation and cessation of furnishing 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 2025-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Breit Investment
State: OK

Complaint narrative:
I am filing this complaint against Cash Xpress ( Breit Investment Corp. ) and their attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating federal consumer protection laws during a debt collection attempt involving a payday loan. 

I disputed the alleged loan balance and requested validation. I also notified Cash Xpress and their attorney that the loan was rescinded and that any alleged debt is in dispute under my federal rights.

Cash Xpress and their attorney continued collection activity without providing validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite the active dispute, they filed a Small Claims Court action ( XXXX XXXX. XXXX in XXXX XXXX XXXX. 

Attorney XXXX XXXX submitted an affidavit claiming I owe {$400.00} without attaching a contract, no itemized account, no loan ledger, and no business records. The affidavit is entirely unsupported and misleading. 

They pursued a court case even though : The debt was disputed No validation was provided They continued collection activity illegally They used an affidavit based on hearsay rather than real records This conduct is unfair, deceptive, and violates FDCPA requirements prohibiting continued collection activity during a dispute.

I am requesting the CFPB to investigate Cash Xpress and attorney XXXX XXXX for unlawful debt collection activity, misuse of the court process, and failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
XXXX is attempting to force phone communication to avoid written documentation and legal accountability. This is prohibited when identity theft and FCRA violations are involved. 

I submitted a valid Identity Theft Report ( Police Report # XXXX ). Under FCRA 605B, XXXX must block the fraudulent accounts within 4 business days in writing. 

Instead, XXXX refuses written communication and is demanding I call them by phone. This violates : FCRA 605B blocking identity-theft accounts FCRA 623 ( a ) ( 6 ) proper investigation of identity theft FCRA 611 right to written reinvestigation results Affirms actions show willful noncompliance.

I need enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I just want to follow up this complaint regarding numerous inaccuracies, outdated entries, and unverifiable information on my credit reports with Experian, Equifax, and TransUnion, which collectively misrepresent my financial history, suggest false delinquencies, and have negatively impacted my creditworthiness and access to financial opportunities. Across all bureaus, the reporting of XXXX XXXX XXXX, XXXX, GA XXXX and variations thereof is inconsistent and inaccurate, misidentifying accounts and creating confusion ; my XXXX XXXX XXXX account ending XXXX, balance {$0.00}, opened XX/XX/XXXX, with reported XXXX and XXXX late payments is inaccurate ; my XXXX  and XXXX XXXX XXXX XXXX XXXX accounts, opened XX/XX/XXXX, with balances {$1700.00} {$1700.00}, are inconsistently reported between TransUnion and Experian ; XXXX XXXX XXXX XXXX  account, original creditor XXXX XXXX XXXX XXXXXXXX XXXX balance {$2200.00}, opened XX/XX/XXXX, is unverifiable ; and numerous other accounts reported across Equifax and TransUnionincluding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXXcontain outdated, duplicated, or unauthorized hard inquiries. These reporting errors violate multiple federal laws, including FCRA 605 ( a ) Obsolete Information, 611 Dispute Rights, 609 Right to Full Disclosure, 623 ( a ) ( 1 ) ( A ) Reporting Accurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 623 ( a ) ( 5 ) Accurate Date of First Delinquency, 623 ( b ) Furnisher Investigation Duty, and FDCPA 808, 809 Debt Validation and Unfair Practices, and collectively misrepresent my financial responsibility, reduce my creditworthiness, and limit access to credit, housing, insurance, and employment. I have previously disputed these inaccuracies and requested deletions directly with the credit bureaus, but the errors persist, and I am seeking CFPB intervention to ensure proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up statement to address continued inaccuracies appearing across my credit reports from Experian, Equifax, and TransUnion, which are negatively impacting my credit standing. Several addresses listed in my reports are incorrect and have no association with my residence history, including : XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX ( Experian and Equifax ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( Equifax and TransUnion ) XXXX and XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( TransUnion ) XXXX I request that these inaccurate addresses be removed immediately. Additionally, several accounts are being incorrectly reported as charge-offs, including XXXX ( Account XXXX. XXXX ) with a balance of {$15000.00}, XXXX XXXX ( Account XXXX. XXXX ) with a balance of {$80.00}, and XXXX XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$940.00}. These charge-off notations appear on Equifax and TransUnion, while XXXX XXXX XXXX not appear on Experian. I request that all three bureaus reinvestigate these accounts and provide proper verification, specifically the Date of First Delinquency ( DOFD ) ; if the information can not be substantiated, I request their removal in compliance with the Fair Credit Reporting Act. I also dispute the collection account reported by XXXX XXXX for the original creditor XXXX XXXX with a balance of {$520.00}, which appears on all three bureaus. I believe this entry is inaccurate, and I request full verification of its validity ; if it can not be verified, it should be removed. These incorrect addresses and account postings continue to harm my creditworthiness and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent inquiries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-12-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I closed on my loan in XXXX. In XXXX I decided I would rather not escrow taxes and insurance. I made the request and received a generic letter stating the request was denied. I called and they said I had to call the mortgage investor but could tell me who the investor was over the phone and had to submit in writing. I submitted and they sent me letter that the investor is XXXX XXXX. I called XXXX XXXX and they let me know they only set the guidelines servicers must follow, primarily no missed payments and XXXX XXXX original appraised value. I called Newrez again. This time they let me know that I did qualify because the loan must be seasoned for XXXX  months. This is not a XXXX XXXX criteria. I sent another signed letter requesting the cancel and refund of my escrow account and was sent another denial letter with the reason for denial being the loan is not seasoned. Newrez is not following XXXX XXXX guidelines and making up their own criteria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up statement because my credit reports from Experian, Equifax, and TransUnion continue to display multiple inaccuracies, inconsistent reporting, unverifiable account information, and discrepancies that do not comply with the Fair Credit Reporting Act, including FCRA 602 ( a ), 607 ( b ), 609 ( a ), and 611 ( a ). My intention is to ensure full accuracy, completeness, and compliance not the removal of information unless it can not be verified within lawful timeframes or is being reported in violation of the FCRA. I am formally requesting a thorough reinvestigation of all disputed items and proper corrections where necessary. Across all three bureaus, several accounts are incorrectly marked as charge-offs, collections, or late payments, and there are also inaccurate personal identifiers and inquiry entries that require correction. Many accounts reflect conflicting balances, dates, or statuses across the bureaus, which violates the requirement under FCRA 623 ( a ) ( 1 ) ( A ) that furnishers and credit reporting agencies maintain accurate and consistent reporting. There are also items that appear on one bureau but not the others such as multiple XXXX  accounts and XXXX entries raising concerns regarding FCRA 607 ( b ) compliance, which mandates maximum possible accuracy and uniformity across bureaus. Additionally, several open accounts contain late payment entries with inconsistent dates and delinquency periods, contrary to FCRA 605 ( a ), which requires accurate reporting tied to the true original delinquency date. Charge-off accounts, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  entries, and others, show conflicting balances and statuses or contain reporting gaps that require verification under FCRA 611 ( a ). I am requesting that these entries be properly verified with supporting documentation, corrected where appropriate, or removed if they can not be verified within the required timeframe. Moreover, multiple collection accounts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others must be reviewed for accuracy, correct reporting dates, proper ownership transfer, and documentation consistent with FCRA 615 ( b ) and, where applicable, FDCPA obligations. Lastly, several inquiries also require validation, as the associated dates and reporting details appear unclear or inconsistent. Under FCRA 604, inquiries may only remain if they were made with a permissible purpose, and therefore I request that these be formally verified and corrected if inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out an installment loan from Uprova while living in Illinois. From the beginning, I was never given access to the loan agreement or any disclosures, and I still can not access any loan documents through their portal. I do not have the terms, APR, or repayment schedule, which prevents me from understanding or validating the loan.

I attempted to contact Uprova and also revoked ACH authorization, but the company has never responded in any way. They did not acknowledge my revocation, did not provide any documents, and have not given me account information. This appears to violate the Electronic Fund Transfer Act ( EFTA ), which requires acknowledgment of revocation requests.

I believe this loan may also violate federal consumer-protection standards because the APR is extremely high, I was not provided required disclosures under the Truth in Lending Act ( TILA ), and I can not access the loan details at all. I am requesting that the CFPB compel Uprova to provide the loan agreement, validate the account, and comply with all required federal consumer-financial laws.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The company had stated that the information was uploaded to the complaint, which it was not. Then I called and the company stated that it would be mailed, again, it was not. Citizens Bank is playing games with this information and CFPB is not help me get the information. Why is there non answer to my request an answer by XXXX- just stating they need more time. I WANT THEM TO SUPPLY THE INFORMATION REQUESTED NOW. ALSO, THEY NEED TO TAKE THIS MESS OFF MY CREDIT REPORT IF THEY ARE NOT GOING TO PROVIDE THE INFORMATION, AND KEEP BREAKING THE LAW - Request for Information pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and Regulation X, 12 C.F.R. 1024.36. 
cfpb needs to inform them and me who enforces the Real Estate Settlement ACT.

Company response to consumer: Closed with explanation