vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-09 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: MD

Complaint narrative:
I am filing this formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) related to the continued reporting of an inaccurate, inconsistent, and unverifiable XXXX XXXX charged-off account on my credit file. 

This account is being reported with multiple material discrepancies between the bureaus, proving that the information being reported can not be accurately verified as required by law : Different High Credit amounts : TransUnion reports {$1900.00} while Experian reports {$0.00}. 

Different Date Opened : TransUnion lists XX/XX/year> while Experian lists XX/XX/year>. 

Different status descriptions : TransUnion reports Charged off as bad debt, while Experian reports Unpaid balance reported as a loss. 

Conflicting balance and past due amounts while monthly payment is listed as {$0.00}. 

The account is being reported as both a charge-off and a collection, which constitutes double reporting of a single alleged debt. 


These inconsistencies violate the following federal statutes : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i Failure to properly reinvestigate disputed information 15 U.S.C. 1681c Reporting misleading and inaccurate derogatory information Because these agencies can not report materially different data and still claim the account is verified, this account is legally considered unverifiable and must be deleted, not corrected. 


-- - FORMAL DEMAND I am demanding the following actions : 1. Immediate deletion of this XXXX XXXX account from Experian 2. Written confirmation of deletion 3. An explanation of how these materially inconsistent data points were previously verified This inaccurate reporting is causing documented financial harm, credit denial, and score suppression. 

If this violation is not corrected immediately, I will pursue all available remedies under FCRA and state consumer protection laws. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXXXXXX collection, paid in full

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, NewRez/Shellpoint sent me a note saying I had let my XXXX XXXX  lapse in XXXX of XXXX. This is false, I never had the insurance they referenced, as it is a XXXX. Per the terms of my mortgage, I had insurance through the XXXX. Since I purchased the property in XXXX, this has insurance has satisfied the terms of the mortgage. 

Per NewRez/Shellpoints own policy, they need to give me 45 days notice before placing Lender Insurance . This means they would need to have informed me by XX/XX/XXXX. I have requested this documentation from them but they havent supplied it because it doesnt exist. What they have provided is documentation showing that the first time they contacted me was XX/XX/XXXX, not for insurance to placed in 45 days, but for insurance to have been placed in XX/XX/XXXX. 

I have paid my mortgage every month diligently while trying to resolve the issue of the improperly-placed Lender Insurance with them. Twice I was informed that it would be refunded but nothing happened, and now they have initiated foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-12-09 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Complaint : RadiusGlobal is reporting an account on my credit report that I do not recognize and for which I have never received any documentation, contract, or proof. The information being reported is inconsistent and inaccurate : Balance XXXX XXXX  : {$3300.00} ; XXXX  : {$3300.00} ; XXXX  : -- Dates : XXXX Last Activity XX/XX/year> ; XXXX  Last Activity XX/XX/year> ; Opened XXXX  XX/XX/year> ; XXXX XX/XX/year> Status remarks : Conflicting notes such as Account information disputed by consumer, meets FCRA requirements and Customer disputed account reported by subscriber These discrepancies make the account unreliable and unverifiable.

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 2025-12-09 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:
I respectfully request that Experian review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} 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 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 *

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 2025-12-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Validation of Accounts Under FCRA Section 609 Dear, XXXX  I am writing to formally dispute inaccuracies I have identified on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ), I am requesting the validation and verification of the following account ( XXXX ) : XXXX XXXX XXXX - {$1100.00} XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX  XXXX  - {$100.00} XXXX XXXX Inquiries Account : XXXX XXXX, XXXX  XXXX  XXXX I am requesting that you provide copies of all records and documentation used to verify the accuracy of this account, including but not limited to : XXXX. A copy of the original signed contract or agreement between myself and the creditor. 
XXXX. Any documents proving the account is being reported accurately and legally. 

If you can not provide sufficient documentation to verify this account, I respectfully request that it be permanently removed from my credit report in compliance with the FCRA. 

To facilitate your investigation, I have included the following : A copy of my government-issued photo ID. 
A copy of my Social Security card. 
Proof of address ( e.g., a utility bill or bank statement ). 
A copy of my credit report highlighting the accounts in question. 

I expect a response within the XXXXday timeframe as stipulated under the FCRA. Please send your findings and any relevant documentation to the address listed above. If you find any inaccurate or unverifiable information, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX XXXX. 

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 2025-12-09 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance : {$2000.00} Inquiries : No inquiries listed for dispute.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-12-09 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: 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 explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These accounts should not be listed as charged off, and I request that they be investigated for accuracy and updated in compliance with the FCRA. 

Charged Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : 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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Unity Asset Management
State: NC

Complaint narrative:
Calls started in XXXX XX/XX/XXXX from different phone numbers saying that this was the legal department and this matter was urgent and asking about my employers name, email address or alternative contact information. They threatened me with skip tracing. The calls continued every XXXX  days with the same message until XXXX. The messages changed and they started threatening court summons, penalties and fines, and threatening me under title XXXX section XXXX XXXX XXXX of services. The call back number was XXXX. I called them back at the number provided and asked for a verification of the debt and gave them my current address. I never received any verification of the debt. The calls have still continued about XXXX every XXXX days. If they don't come right out and threaten legal action or skip tracing they make threats about referring this matter to the XXXX XXXX courthouse to seize assets. ( XX/XX/XXXX and XX/XX/XXXX ) I have all the voicemails to back all this up. Seems like all the communication is coming from Unity Asset Management XXXX XXXX. contact number is now XXXX or XXXX or XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS IS A NEW COMPLAINT BASED ON NEW INFORMATION FROM XXXX  XX/XX/year> REPORTED DATA. NOT A DUPLICATE. 

Experian is reporting an XXXX  account that contains : INVALID DATE entries Impossible account terms ( XXXX  month ) Payment history before the account opened Balance updates made DURING an active dispute Missing chain of title for XXXX XXXX XXXX Verification performed without contacting original creditor New reinvestigation marked verified despite factual impossibilities This account can not be verified under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 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 2025-12-09 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: OH

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 response to consumer: Closed with non-monetary relief