vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
CEASE AND DESIST Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any all mediums ( including my consumer report ) unless it pertains to my remedy in writing via mail. I will put in a complaint with the cfpb regarding this matter. I want no further communication from your company. As a consumer I have a right to request that all communication with any alleged debt be stopped. Ive never done business with your company so no information should be placed on my consumer report stating I owe a debt. If your company decides after being told once to stop communicating with me which I have the right to do so under the fair debt collection act. You will be violating my consumer rights and this can make your company liable for damages. It also makes your company in violation under the fair debt collection act that states I can be compensated up to 1,000 per violation. I do not consent to your company buying, trading, nor selling any of my personal information including but not limited to my name, address, and social security number.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and I am demanding the following : 1. Zero out the balance on this account. 
XXXX. Deletion of account from all my consumer report. 
XXXX. Deletion of all of my personal information including but not limited to my name, address, and social security number. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am writing to formally dispute unauthorized accounts listed on my credit report under my name. These accounts were opened without my knowledge, authorization, or consent, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The inclusion of these fraudulent accounts misrepresents my financial history and raises serious concerns about potential identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disput

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting an account that was opened without my knowledge despite being informed it was obtained/opened fraudulently opened XX/XX/year> amount XXXX Ive contacted them via mail, phone, email, fax. 
I have notified them and filed an FTC complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
XXXX XXXX XXXX has been reporting an account that was opened without my knowledge despite being informed it was obtained/opened fraudulently opened XX/XX/year> amount XXXX Ive contacted them via mail, phone, email, fax. 
I have notified them and filed an FTC complaint

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 2025-09-24 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: AL

Complaint narrative:
My credit report lists my federal student loan as charged off, in default, or in collections ( Account XXXX ) by XXXX XXXX XXXX and ( Account XXXX ) furnished by XXXX XXXX  Federal student loans are not charged off in the same way as private loans ; instead, they are transferred to the Department of Education or rehabilitated. Reporting a charge-off/default misrepresents the status of my loan and has severely damaged my credit. I requested validation from the debt collector, but it never provided proof of the debt as required by FDCPA 809. I submitted dispute letters to all three credit bureaus and to the furnisher demanding deletion, but they continue to report the debt inaccurately.

Under FDCPA 807, debt collectors must not use false or misleading representations regarding the character or amount of a debt. Furnishers are prohibited from reporting information they know or should know is inaccurate. The FCRA requires credit bureaus to investigate disputes and remove unverifiable information within 30days. The bureaus have not provided any documentation supporting the charge-off, nor have they corrected the record.

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 2025-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-09-24 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: CA

Complaint narrative:
In XX/XX/2025, NewRez ( Shellpoint ) mistakenly began collecting escrow payments from me ( I was fully insured ) - In XXXX, I realized the incremental payments and requested it to be reviewed. I called more than 5 times - every agent gave me a different story until I reached the supervisor. Earlier associates transferred the escrow balance to the insurer instead of refunding it to me. The supervisor was able to " fix '' it in XXXX after several calls and promised she'd have the funds deposited, but I still didn't receive a payment. I called several more times asking for the supervisor and was denied. They mailed me a form for which I could request funds which they said I could upload online. Each time I tried, it failed to " attach '' the photo of the permissioned document. 

Finally, a {$4200.00} check was " issued and mailed '' but to the wrong address, and then when it was finally sent, I received a communication saying it was then voided. I have called again and had to provide my bank account information twice - where supposedly I will be receiving the balance as a direct deposit. However, I'm not confident I will receive it without another call. 

I believe the lack of knowledge on the customer service agents, inability to appropriately remedy the matter, and NewRez holding these funds for XXXX months is inappropriate.

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 2025-09-24 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-24 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Violations of FCRA, FDCPA, and Metro 2 Standards Dear CFPB Representative, I am submitting this complaint regarding systemic violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Metro 2 Consumer Reporting standards. These violations involve multiple creditors and consumer reporting agencies ( TransUnion, Experian, and Equifax ).

Violations Identified : Mortgage Accounts ( XXXX, XXXX, XXXX XXXX ) : Reported inconsistently across bureaus some show Open/Current while others list Paid/Closed. This misrepresentation violates FCRA 607 ( b ) and Metro 2 uniform coding requirements. 

Revolving Credit Accounts ( XXXX, XXXX XXXX, XXXX XXXX, XXXX ) : Contradictory balances and statuses are reported. In some cases, accounts are simultaneously reported as Paid with active balances. This violates FCRA 623 ( a ) ( 1 ) ( A ) and CFPB Bulletin 2013-09.

Charge-Off XXXX XXXX XXXX ( Equifax ) : Despite a prior dispute, Equifax continues reporting a charge-off. This violates FCRA 611 ( a ), which requires unverifiable information to be deleted. 

Dispute Notations : XXXX XXXX and XXXX show inconsistent dispute remarks across CRAs. Metro 2 requires uniform XB dispute coding, and this inconsistency is deceptive and unlawful.

Personal Identifiers : My report lists aliases and addresses not belonging to me. This creates a mixed-file risk, violating FCRA 607 ( b ).

Supporting Authority : Richardson v. Equifax ( 2007 ) inconsistent bureau reporting held materially misleading. 

CFPB Consent Orders ( XXXX XXXX, XXXX ) : Found inconsistent dispute handling unlawful.

FTC v. TRW ( 1991 ) : Failure to delete unverifiable information violates FCRA.

Thank you for your prompt attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Violations of FCRA, FDCPA, and Metro 2 Standards Dear CFPB Representative, I am submitting this complaint regarding systemic violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Metro 2 Consumer Reporting standards. These violations involve multiple creditors and consumer reporting agencies ( TransUnion, Experian, and Equifax ).

Violations Identified : Mortgage Accounts ( XXXX, XXXX, XXXX XXXX ) : Reported inconsistently across bureaus some show Open/Current while others list Paid/Closed. This misrepresentation violates FCRA 607 ( b ) and Metro 2 uniform coding requirements. 

Revolving Credit Accounts ( XXXX, XXXX XXXX, XXXX XXXX, XXXX ) : Contradictory balances and statuses are reported. In some cases, accounts are simultaneously reported as Paid with active balances. This violates FCRA 623 ( a ) ( 1 ) ( A ) and CFPB Bulletin 2013-09.

Charge-Off XXXX XXXX XXXX ( Equifax ) : Despite a prior dispute, Equifax continues reporting a charge-off. This violates FCRA 611 ( a ), which requires unverifiable information to be deleted. 

Dispute Notations : XXXX XXXX and XXXX show inconsistent dispute remarks across CRAs. Metro 2 requires uniform XB dispute coding, and this inconsistency is deceptive and unlawful.

Personal Identifiers : My report lists aliases and addresses not belonging to me. This creates a mixed-file risk, violating FCRA 607 ( b ).

Supporting Authority : Richardson v. Equifax ( 2007 ) inconsistent bureau reporting held materially misleading. 

CFPB Consent Orders ( XXXX XXXX, XXXX ) : Found inconsistent dispute handling unlawful.

FTC v. TRW ( 1991 ) : Failure to delete unverifiable information violates FCRA.

Thank you for your prompt attention. 

Sincerely, 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Truist bank account for my business in XX/XX/year> I received one statement and then I received a follow up mail in the process of me changing locations that my account needed to be verified when I called to verify they told me they had closed out my account is mailed out checks. Since then I have not received checks from my initial deposit. I also was not given the option once I did speak to them to continue opening my account since I am a real and authorized person to open the account since XXXX Ive been told that checks were mailed out and even more recently told that checks were mailed out on XX/XX/XXXX of this year and I have not received any checks or proper correspondence in the matter. Not only am I missing my deposit but I missed out on the {$2500.00} bonus that was promoted through the bank. The bank does not provide a direct number or any party who has been able to properly follow up with me in regards to this matter. Im always told that it is a separate entity who they only email about this problem and those people should be getting back to me soon since XXXX no one has gotten back to me. I have visited the branch three or four times and I still have not received my funds or any rewards connected to the account.

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 2025-09-24 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: CT

Complaint narrative:
I am frustrated and overwhelmed that these inaccurate accounts continue to show up on my credit report without being removed. I beg you to thoroughly check the documents Ive sent so this nightmare can finally end and I no longer have to carry this constant 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 non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am disputing the late payment reflected on my credit report. This entry is inaccurate, as my records confirm a consistent history of timely payments. Its reporting is misleading, harmful, and does not reflect my actual financial behavior.

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 2025-09-24 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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