vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report 's that are not mine. 
Below is a list of the addresses that I would like to XXXX permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX I would like to have the only addressees reporting on my credit report which is : XXXX. XXXX XXXX XXXX XXXX XXXX CA 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 2025-10-22 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-10-22 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: GA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Despite my existing XXXX XXXX policy, the lender force-placed an insurance policy on my account after a representative confirmed receipt of my policy information. 

I am disputing the lender-placed insurance on my account. I maintained continuous homeowner 's insurance through XXXX XXXX, and a representative previously confirmed our company 's receipt of my policy information. The force-placed policy was therefore placed in error. 

Email from my agent at XXXX XXXX : " Attached you will find the previous policys as well as the current policy. Please update and send confirmation. The Forced place insurance should have never been charged. Both the XXXX  and myself have provided documentation of such several times. Please follow up with us and send confirmation of processing. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX  pulled my credit without my consent. I provided my information only for a financing quote and did not authorize a credit inquiry.

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 2025-10-22 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: IL

Complaint narrative:
I filed a complaint with Experian on XXXX different collections being reported on my account without my consent under the XXXX US c XXXX codes. They refused to delete from my credit report and would not provide any validation letter or if written consent was received by me. I never consented to reported on my credit report as I am the original creditor.

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 2025-10-22 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * XXXX * Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX * * Balance : {$270.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX * * * * Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2025-10-22 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: WI

Complaint narrative:
I am submiitng to formally dispute and request an investigation into several items currently appearing on my credit report. These include charge-off accounts, a late closed account, public bankruptcy records, and a questionable credit inquiry. Upon reviewing my credit file, I have found discrepancies, incomplete information, and potentially unverifiable entries that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the legal right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. In addition, FCRA 607 ( b ) requires credit reporting agencies to ensure all information they report is as accurate as possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or should know to be inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} Original Creditor : XXXX  XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX VIA XXXX XXXX XXXX XXXX, CA XXXX I would like to have XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX as my only address reporting on my Experian, Equifax and TransUnion credit report 's.

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 2025-10-22 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ), Experian has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-22 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
KIKOFF is reporting late payments on my account identified as XXXX that are inaccurate. In accordance with FCRA this is a violation of my rights as follows : 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681S2A7 states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies.

Yet, KIKOFF continues to unlawfully report these inaccurate late payments to the credit bureaus. This is extremely concerning as a consumer as these violations have severely impacted my credit rating and overall financial health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
When I left the rental apartments owned by XXXX XXXX, I was XXXXXXXX XXXX XXXX XXXX XXXX my deposit would cover what I owed in the lease, and a year after that it showed in my credit report as a collection, Now every month or so XXXX balance changes by XXXX dollars and affects my credit score. 
I tried disputing but I've had no luck since this was during covid and the management at those apartments has since changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
XXXX XXXX and XXXX  and Equifax are engaged in a pattern of willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), causing direct and ongoing financial harm. The account listed as XXXX XXXX acct # XXXX is inaccurate and unverifiable. My direct disputes have been met with a sham " verification '' process that ignores the law. The violations are systematic and clear. 
What are the specific legal violations? 
The following statutes have been violated, creating an indefensible position for both companies : VIOLATION XXXX : 15 U.S.C. 1681e ( b ) - XXXX  and Equifax Failure to Maintain Reasonable Procedures. 
Both Credit Bureaus has utterly failed its foundational duty under the FCRA. The reporting of this inaccurate account demonstrates a systemic failure in their procedures. Any reasonable procedure would have flagged this account as erroneous upon receipt or during my dispute. Their continued reporting of this item is prima facie evidence of their negligent and unreasonable operations. 
VIOLATION XXXX : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - XXXX XXXX  Failure to Provide Accurate Information. 
The furnisher, XXXX XXXX has violated its duty to not furnish information it knows or has reasonable cause to believe is inaccurate. The details of this account are incorrect different balance, different date of lat activity and different number of times late. By providing this flawed data to the bureaus, XXXX XXXX poisoned the entire reporting ecosystem and is directly liable for the resulting inaccuracies. 
VIOLATION XXXX : 15 U.S.C. 1681i ( a ) - Credit Bureaus Failure to Conduct a Proper Reinvestigation. 
Upon receiving my formal, written dispute, the Credit Bureaus was legally obligated to conduct a reasonable reinvestigation. Instead, they relied on their flawed, automated ACDV system, which merely asks the furnisherthe source of the inaccuracyto " verify '' the information it already provided. This is a circular, self-serving, and legally insufficient process that does not constitute a " reinvestigation '' as defined by the FCRA and interpreted by federal courts. It is a willful abdication of their statutory duty. 
VIOLATION XXXX : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - The Credit Bureaus Failure to Provide Investigation Description. 
This is a smoking gun that proves their bad faith. Following their so-called " reinvestigation, '' I explicitly requested a description of the procedure used to investigate my dispute, as is my absolute right under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). [ Credit Bureau ] has completely failed to comply. This is not a minor oversight ; it is a deliberate concealment of their non-compliant, automated processes. Their refusal to provide this legally mandated disclosure is, in itself, a clear violation of the FCRA. I have attached a screen shot and highlighted the errors.

Company response to consumer: Closed with explanation