vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am contacting you to formally dispute an inaccurately reported late payment currently reflected in my credit file. I have always maintained a history of timely payments, and after careful review, I strongly believe that the reported delinquency is in error. This misinformation is unjustly impacting my credit profile and does not represent my responsible financial conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I am filing a complaint regarding a derogatory tradeline being reported by XXXX on my credit reports. This account relates to an auto loan that was previously charged off and has since been paid in full. After I disputed the tradeline through the credit bureaus, XXXX updated the status to Paid after Charge-Off, but the account remains listed as derogatory and continues to significantly harm my credit profile. 

The vehicle associated with this loan was repossessed in XXXX. I never received the title or possession of the vehicle following resolution. After reviewing public vehicle title records, I have discovered that the vehicle was retitled and is currently owned by someone else. I was never informed of this transfer, nor did I authorize or participate in the reassignment of title. As it stands, the vehicle was removed from my possession, the loan was paid, and the asset is now titled to another party without any record of that process being disclosed to me. 

Given these facts, I am now highly concerned that the vehicle may have been improperly or unlawfully transferred and that I am being held responsible for an asset that was effectively taken from me and reassigned to another individual. Continued derogatory credit reporting in this situation appears not only misleading, but potentially fraudulent. At a minimum, it reflects an incomplete and unfair account of what occurred. 

Under FCRA 623, furnishers must report only accurate, complete, and verifiable information. I am requesting that XXXX immediately : Provide full documentation verifying the basis for continued negative reporting, including the original loan documents, repossession records, full payment history, confirmation of how the title was transferred, and legal justification for continuing to hold me responsible in credit reports, or Delete the tradeline from all credit bureaus, in light of the fact that the loan is resolved, I do not possess the vehicle, and ownership has clearly transferred outside my consent. 

I am currently pursuing mortgage financing, and this unresolved and misleading derogatory reporting is materially harming my ability to qualify. If XXXX can not produce verifiable proof of continued liability, I am requesting that the CFPB assist in the immediate removal of this tradeline. I also reserve the right to escalate this to law enforcement if the title transfer was conducted without lawful authority or my participation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 recently obtained a copy of my credit report and discovered that several hard inquiries were listed that I did not recognize or authorize. These inquiries do not correspond to any credit application Ive made.

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 2025-07-18 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00}

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 2025-07-18 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-07-18 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-07-18 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:
Hello, I am writing this dispute for the following reasons : My personal information, such as my Social Security number, my driver 's license, and other personal information, was exposed in a data breach at a hospital in XXXX, Florida, the city where I live and the hospital where I go when I have health problems. Because of this, my information was used to open an account with XXXX XXXX XXXX with account number XXXX. This account is completely fraudulent because it was not opened with my consent. I want it removed from my credit history. The account is closed, but I still want it removed because it is not mine, nor did I open it. I have already reported it to the Federal Trade Commission ( FTC ) and am sending the report below. Please remove this account from my credit history, as it is damaging my profile, as required by the Fair Credit Act of the FCRA and the CFPB. I hope can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
There is a bankruptcy listed on my credit report from 2025 that is inaccurate. I contacted the credit reporting agency to request verification of this public record. However, they were unable to provide any documentation or source confirming the accuracy or origin of this bankruptcy listing. 

This reporting is both inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ). Under the FCRA, any item of information that can not be verified must be promptly deleted from the consumers credit file. 
This

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is a bankruptcy listed on my credit report from 2025 that is inaccurate. I contacted the credit reporting agency to request verification of this public record. However, they were unable to provide any documentation or source confirming the accuracy or origin of this bankruptcy listing. 

This reporting is both inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ). Under the FCRA, any item of information that can not be verified must be promptly deleted from the consumers credit file. 
This

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-18 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: OH

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
Consumer complaint received 2025-07-18 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding false and retroactively added late payments on my credit report. 

I was only ever late in XXXX on a few student loan payments. However, recent copies of my TransUnion report now show new late payments from XXXX and XXXX including XXXX, XXXX, XXXX, and XX/XX/XXXX that were never there before. I have copies of earlier reports proving that my only delinquencies were in XXXX. 

This is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate or false information. It is also a violation of FCRA Section 611, which requires credit bureaus to correct or delete disputed information that can not be verified. 

These false entries have negatively impacted my credit and caused a recent denial of the XXXX XXXX by XXXX XXXX. Ive already filed disputes with the credit bureaus and am providing this complaint to request a formal investigation and correction of my credit file. I can supply prior reports as proof upon request.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding false and retroactively added late payments on my credit report. 

I was only ever late in XXXX on a few student loan payments. However, recent copies of my TransUnion report now show new late payments from XXXX and XXXX including XXXX, XXXX, XXXX, and XX/XX/XXXX that were never there before. I have copies of earlier reports proving that my only delinquencies were in XXXX. 

This is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate or false information. It is also a violation of FCRA Section 611, which requires credit bureaus to correct or delete disputed information that can not be verified. 

These false entries have negatively impacted my credit and caused a recent denial of the XXXX XXXX by XXXX XXXX. Ive already filed disputes with the credit bureaus and am providing this complaint to request a formal investigation and correction of my credit file. I can supply prior reports as proof upon request.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
The debt collector ( Online Information Service ) erroneously reported a collection account on my credit report. 
I have already disputed the incorrect account with the credit bureaus who requested a debt validation on my behalf. 
The debt validation letter I received clearly contained information of another individual who is not me & is unknown to me. 
Both the original company ( XXXX ) & debt collector ( Online Information Service ) clearly failed to verify their information before reporting erroneous information to my credit report & attempting to collect a debt that I have never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I complained about Newrez illegally adding an escrow on my mortgage and increasing my monthly payment by {$400.00}. They changed the monthly payment to {$890.00}, but that is not the correct amount. 

The monthly due amount has been {$890.00} since XXXX. Attached are exhibits of mortgage statements from the last 6 months starting in XX/XX/XXXX that show my monthly payment has been {$890.00}. Newrez can produce more documents that prove the same, and I can provide documents from my servicer provider ( Caliber home loans ) before it was switched to Newrez that shows that I did not have an escrow account with Caliber home loans and the monthly payment due was {$890.00} dating back to the last service provider. 

In fact I have had automatic payment set up to pay {$890.00} for over 5 years now. Newrez has not fixed my account to have the original monthly payment of {$890.00}, and they have not credited my account the credit of the additional {$0.00} monthly I have paid into the principal balance of the home. 

I would like them to fix my account to its original status in good faith. My monthly due payment is {$890.00} not {$890.00}. If i decide to pay more than the {$890.00} that is my decision. Please fix my account and leave me in peace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I mailed a goodwill deletion request to Midland Credit Management , Inc. on XX/XX/year>, from XXXX. The collection account in question was paid in full prior to the request, and I am no longer carrying a balance. My letter asked Midland to consider removing the account from my credit reports as a goodwill gesture, given that it has been resolved and I have been working hard to rebuild my credit. As of today, I have not received any response or acknowledgment from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 submitting this formal complaint because my credit report contains a fraudulent address I never lived at. Despite my efforts, this false information remains and is affecting my creditworthiness and peace of mind.

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