vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 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: PA

Complaint narrative:
On XX/XX/year> I chatted with a NewRez customer service agent about making a large payment towards the principal of my mortgage and then re-amortizing the loan, also known as a recast. NewRez confirmed and said they would send a form in the mail for me to sign and return. They never sent the form. Nor did they send me the chat transcript despite saying they would. 

On XX/XX/year>, I tried to chat with NewRez again but they ignored me.

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 2025-08-14 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: KY

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the credit reporting agencies are willfully and repeatedly reporting securitized charge-off accounts as if they are active debts owned by the original creditor. 

When an account is securitized, the originating creditor permanently transfers ownership to a trust or special purpose entity and no longer legally owns the receivable. Despite this, they continue to report the account as if they still own it, which is false and misleading. 

I have disputed these accounts multiple times over several months. The credit bureaus and the creditor have failed to provide lawful verification of ownership or remove the inaccurate information. The FCRAs 30-day investigation period under 611 has long expired. Continuing to report without lawful verification is willful noncompliance with : FCRA 607 ( b ) Duty to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FCRA 611 ( a ) ( 1 ) Failure to complete investigation within 30 days.

Metro 2 GuidelinesInaccurate ownership and account status reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: KY

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the credit reporting agencies are willfully and repeatedly reporting securitized charge-off accounts as if they are active debts owned by the original creditor. 

When an account is securitized, the originating creditor permanently transfers ownership to a trust or special purpose entity and no longer legally owns the receivable. Despite this, they continue to report the account as if they still own it, which is false and misleading. 

I have disputed these accounts multiple times over several months. The credit bureaus and the creditor have failed to provide lawful verification of ownership or remove the inaccurate information. The FCRAs 30-day investigation period under 611 has long expired. Continuing to report without lawful verification is willful noncompliance with : FCRA 607 ( b ) Duty to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FCRA 611 ( a ) ( 1 ) Failure to complete investigation within 30 days.

Metro 2 GuidelinesInaccurate ownership and account status reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Upon reviewing my credit report from your agency dated [ Date of Credit Report ], I found the following incorrect information : Creditor Name : [ Ed Financial Services ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This entry is incorrect because [ briefly explaine.g., I have never been late on this account, because my loans were deferred or in a forbearance. My daughter is still enrolled fulltime in XXXX with no gaps in enrollment. However, for some reason Ed financial decided to drop the forbearance in XX/XX/year> and gave me no notice and they have wreck my credit score by over XXXX points. I called them and they confirmed that a mistake was made and will fix one loan but not the other. The damage done to my credit is crushing. It is time for my daughter to start XXXX XXXX XXXX  and I can not borrow any money for school because of the late payments showing over XXXX  days pass due on my credit. I would like my credit history fixed and get any damages due to me. I have included supporting documentation to verify my claim, including : Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter, verify the accuracy of the reported information, and remove or correct the inaccurate late payment entry from my credit file. 

Please provide me with the results of your investigation in writing, along with a free updated copy of my credit report reflecting the changes, as required under federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
As someone who always pays on time, I find this report confusing.

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 2025-08-14 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: NC

Complaint narrative:
LOOKED AT MY REPORT SAW SOME INCORRECT INFORMATION THAT WAS PROVIDED BY THE DATA FURNISHER AND I FILED AN FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
LOOKED AT MY REPORT SAW SOME INCORRECT INFORMATION THAT WAS PROVIDED BY THE DATA FURNISHER AND I FILED AN FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Received phone call from Comenity Bank about a Torrid credit card saying late. I never ever received a credit card from them when I opened account and told staff at store this multiple times. I never received a statement from them either since last year. I was told account was paid in full at store in XX/XX/year>. Called their incompetent customer service and was told I had a {$41.00} late fee on a credit card I never ever got, nor ever received a statement from. They refused to credit back their mistakes and refused to even give me the account number. This is predatory lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX 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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing the inclusion of a fraudulent account on my credit report. I have never authorized or opened this account, and I have no connection to it whatsoever. Its reporting is misleading and is causing harm to my creditworthiness and personal financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). Since XX/XX/year>, I have submitted multiple certified dispute letters regarding inaccurate, inconsistent, and unverifiable information reported on my credit file. These include conflicting date opened, last activity, reported dates, re-aged accounts, and reinserted accounts without required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The credit bureaus have failed to conduct reasonable reinvestigations under 1681i ( a ), have not disclosed verification methods as required under 1681i ( a ) ( 6 ), and have failed to maintain maximum possible accuracy ( 1681e ( b ) ). This has resulted in credit denials, financial harm, and emotional distress. 

________________________________________

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 2025-08-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, Checkr conducted a background check for my application with XXXX XXXX. My application was subsequently flagged due to a finding on my driving record. I was informed that a " restriction '' on my driver 's license was the issue. 
The " restriction '' on my record is related to my XXXX XXXX driver 's license. The restriction requires that if I were to operate a XXXX XXXX commercial vehicle, a commercial license holder would need to be present in the passenger seat. This is a standard, administrative condition on all Non commercial XXXX XXXX  licenses and is strictly for commercial use of a XXXX XXXX  vehicle. It is not a violation, an infraction, or a negative mark on my driving history. 
Crucially, this restriction is completely irrelevant to the job I was applying for. The XXXX XXXX position involves driving a standard passenger XXXX XXXX vehicle, which is in no way a XXXX XXXX commercial vehicle. There is no legitimate reason for this specific restriction to be considered a disqualifying factor for the XXXX XXXX role. Especially since this same restriction has always been there and I've had background check and driving record checks before and since then that were not flagged for considered. 
Checkr 's system has made a critical error by automatically flagging a technical restriction on a XXXX XXXX license without any consideration for its context or relevance to the job requirements. This is a clear failure to exercise reasonable procedures to ensure maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). 

I'm attaching photographs of the conversations I've had with some of the checkr Representatives, along with my most recent background check that shows the exact same reports being greenlit in contrast to the XXXX XXXX XXXX that is considered for the exact same credentials. So before and after XXXX I'm green lid but for some reason XXXX XXXX with all the same information is consider. And I show that this is in fact what they're trying to say is the problem is the restriction and they refuse to even acknowledge the restriction as nothing to do with driving a XXXX XXXX vehicle for XXXX XXXX. They keep implying that it's some sort of traffic violation which if you'll just XXXX it you would see it's not. I have other pictures but I don't want to bog things down but I will present them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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