vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Request for Deletion Due to Inaccurate and Noncompliant Reporting Metro 2 Format Violations Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Compliance Department, This letter is a formal dispute regarding the XXXX account listed above. The account is being reported as a Collection/Chargeoff, but it contains multiple Metro 2 compliance and factual reporting violations, which render the tradeline unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Resource Guide ( CRRG ). 

According to my records and your file : TransUnion lists the account as Closed Collection/Chargeoff. 

Experian lists the account as Closed Collection/Chargeoff. 

Equifax lists the account as Open Collection/Chargeoff. 

It is impossible for a single account to be both Open and Closed simultaneously. This is a Metro 2 violation under Field 39 ( Account Status ) and Field 17A ( XXXX XXXX ). 

Additional inconsistencies include : Date Reported : XX/XX/year> ( TU/EX ) vs. XX/XX/year> ( XXXX ). 

Date of Last Activity : XX/XX/year> ( TU/EX ) vs. XX/XX/year> ( EQ ). 

Creditor Type : listed differently across bureaus ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

Payment Rating : CO is being applied inconsistently despite differing account statuses. 

Under Metro 2 6.2 and 11.2, data furnishers must report uniformly and completely to all CRAs. The presence of these conflicts demonstrates failure to meet the requirement of accuracy and completeness, in violation of : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to furnish accurate information. 

Furthermore, because XXXX extended a device installment agreementnot revolving creditthe account should have been reported as an Installment account, not a Chargeoff/Collection entry under an open trade line category. This is a XXXX XXXX misclassification and a Metro 2 field coding error ( Fields 7, 17A, 79 ). 

Given these compliance failures, I am requesting the immediate deletion of this XXXX tradeline from my credit report under FCRA and Metro 2 reporting standards. Please provide written confirmation of deletion or a full reinvestigation summary within 15 business days of receipt. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Consumer Data Industry Association ( CDIA ), and the Federal Communications Commission ( FCC ) for inaccurate reporting and violation of Metro 2 compliance. 

Sincerely,

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Request for Deletion Due to Inaccurate and Noncompliant Reporting Metro 2 Format Violations Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Compliance Department, This letter is a formal dispute regarding the XXXX account listed above. The account is being reported as a Collection/Chargeoff, but it contains multiple Metro 2 compliance and factual reporting violations, which render the tradeline unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Resource Guide ( CRRG ). 

According to my records and your file : TransUnion lists the account as Closed Collection/Chargeoff. 

Experian lists the account as Closed Collection/Chargeoff. 

Equifax lists the account as Open Collection/Chargeoff. 

It is impossible for a single account to be both Open and Closed simultaneously. This is a Metro 2 violation under Field 39 ( Account Status ) and Field 17A ( XXXX XXXX ). 

Additional inconsistencies include : Date Reported : XX/XX/year> ( TU/EX ) vs. XX/XX/year> ( XXXX ). 

Date of Last Activity : XX/XX/year> ( TU/EX ) vs. XX/XX/year> ( EQ ). 

Creditor Type : listed differently across bureaus ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

Payment Rating : CO is being applied inconsistently despite differing account statuses. 

Under Metro 2 6.2 and 11.2, data furnishers must report uniformly and completely to all CRAs. The presence of these conflicts demonstrates failure to meet the requirement of accuracy and completeness, in violation of : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to furnish accurate information. 

Furthermore, because XXXX extended a device installment agreementnot revolving creditthe account should have been reported as an Installment account, not a Chargeoff/Collection entry under an open trade line category. This is a XXXX XXXX misclassification and a Metro 2 field coding error ( Fields 7, 17A, 79 ). 

Given these compliance failures, I am requesting the immediate deletion of this XXXX tradeline from my credit report under FCRA and Metro 2 reporting standards. Please provide written confirmation of deletion or a full reinvestigation summary within 15 business days of receipt. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Consumer Data Industry Association ( CDIA ), and the Federal Communications Commission ( FCC ) for inaccurate reporting and violation of Metro 2 compliance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Red Target LLC
State: CA

Complaint narrative:
I am the victim of identity theft related to two XXXX XXXX merchant cash advance accounts that were later collected by SCJ Commercial Financial Services. 

The contracts were signed and funded without my authorization using my personal information by another individual. 

I have filed a police report confirming this. I provided SCJ with this documentation, yet they continue to pressure me for payment and are misrepresenting my liability. 

The deposits went into a XXXX XXXX XXXXXXXX account I did not own, and the e-signature and autopay authorization documents show a different signer and IP address. 

I am requesting that both XXXX and SCJ cease contact, confirm closure of these accounts, and ensure no credit reporting is made under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CBC Companies, Inc.
State: MI

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Eqifax there is a ceast and desist in place for XXXX XXXX you state information came from the furnisher i want proof it came from XXXX XXXX I will file a court claim against them for violation they state they idi not report anything to you remove this account t at once

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I formally dispute the accuracy and ownership of the XXXX XXXX XXXX Charge Off account ( Date opened : XX/XX/year>, Balance : {$370.00} ). I assert this is an inaccurate entry that does not belong to me. 

I have attempted to dispute this entry twice ( around [ Insert Date of First Attempt ] and [ Insert Date of Second Attempt ] ) via Experians online platform. Despite my requests, Experian has failed to process the dispute and launch the mandatory investigation required by FCRA Section 611, effectively blocking my right to challenge unverified information. The system continually rejected my dispute or kept the status as 'Potentially negative '. 

I request the CFPB to intervene and compel Experian to immediately initiate a complete reinvestigation. If the creditor fails to verify the accuracy and ownership of this item within the statutory XXXX period, Experian must delete this negative entry from my credit 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 2025-10-30 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: Experian Information Solutions Inc.
State: CA

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 2025-10-30 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-30 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:
This is regarding original complaint XXXX. XXXX has responded to the CFPB acknowledging the problem and has since sent you all a request to reverse and correct the late pay. Please do so urgently for this has hindered me from obtaining the credit that I need. I have attached documentations showing XXXX finances intent to correct the reporting on my credit bureaus.

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 2025-10-30 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have waited over 6 months after several calls to resolve this but the managers are always still just waiting for the back office to release funds. 
" Pending resolution ''.

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 2025-10-30 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: SC

Complaint narrative:
The company XXXX could not validate the debt. And said it would remove from all credit reporting. Its still being reported on transunion account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OR

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
TransUnion is not updating my credit report. XXXX  has more up to date status ; however, lenders are using TransUnion.

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 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Assistance Improper Mortgage Charges by NewRez Mortgage / Shellpoint Mortgage Dear Sir or Madam, I am writing to request the assistance of your office regarding improper and possibly predatory actions by NewRez Mortgage, an affiliate of Shellpoint Mortgage, which currently holds my mortgage. I am XXXX XXXX XXXX, and I believe the companys recent actions may represent targeted or unfair treatment of senior citizens.

Despite multiple telephone calls and written correspondence, I have been unable to engage in any substantive discussion or achieve resolution of these matters with the company. Therefore, I am seeking the Consumer Financial Protection Bureaus intervention.

Issues 1. Escrow Account Improper Charge Please refer to my correspondence dated XX/XX/XXXX, addressed to XXXX XXXX XXXX and others ( copy attached ). To date, I have received no response from the company.

This is a time-sensitive matter, as failure to pay the improper escrow charge included in the monthly bill due XX/XX/XXXX could negatively impact my credit rating ( Very Good ). On XX/XX/XXXX, I paid the monthly mortgage bill, excluding the new escrow charge of {$130.00}, which I dispute as improper.

2. Additional Insurance Improper Charge Please refer to my correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also directed to XXXX XXXX and others. The company has replied with three non-substantive and identical form letters dated XX/XX/XXXX, and XXXX, XXXX ( copy of the XX/XX/XXXX letter attached ). These responses failed to address the substance of my complaint.

Requested Action I respectfully request that the CFPB engage NewRez/Shellpoint Mortgage on these matters and require that they : 1. Discontinue all improper and fraudulent billing and collection activities, including the disputed escrow and insurance charges ; and 2. Provide written confirmation that these charges have been removed from my account and that no adverse credit reporting will occur as a result of my disputing them.

It is my belief that this conduct may represent a broader pattern by Shellpoint/NewRez to improperly extract additional funds from borrowers, particularly those with lower-rate mortgages ( mine is 4.375 % ).

Thank you for your attention and assistance in this matter.

With appreciation,

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 2025-10-30 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation