vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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  Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00}

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 explanation
Consumer complaint received 2025-09-04 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), and I request immediate correction and removal of the affected items. 
Late Closed Accounts ( FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * * These accounts are inaccurately reported as late or delinquent and must be removed as they are not reflective of my actual payment history.

Collection Account ( 605B / 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ) XXXX  OriginaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} This account is being reported inaccurately, and I request a full investigation. No supporting documentation, such as an IRS Form 1099-C, has been issued for this debt over {$600.00}. 
Unauthorized or Incorrect Credit Inquiries ( FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q ) XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my proper authorization and should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 complaint regarding multiple inaccuracies on my credit report. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), and I request immediate correction and removal of the affected items. 
Late Closed Accounts ( FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} * * These accounts are inaccurately reported as late or delinquent and must be removed as they are not reflective of my actual payment history.

Collection Account ( 605B / 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ) XXXX  OriginaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} This account is being reported inaccurately, and I request a full investigation. No supporting documentation, such as an IRS Form 1099-C, has been issued for this debt over {$600.00}. 
Unauthorized or Incorrect Credit Inquiries ( FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q ) XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my proper authorization and should be 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 explanation
Consumer complaint received 2025-09-04 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:
My financial profile is misrepresented in the credit check.

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 2025-09-04 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: AL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX  Account number XXXX Balance {$1800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$7100.00} Date opened XX/XX/XXXX XXXXXXXX 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
I am disputing this account on the basis that I never entered into any contractual agreement with TRANSFINANCIAL COMPANIES. This entity is not the original creditor, and I did not consent to any debt obligation with them directly. As such, I do not recognize this account as valid. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a full validation of this debt, including documentation proving that TRANSFINANCIAL COMPANIES has the legal right to collect on this alleged debt and that I am contractually obligated to pay them. Until such verification is provided, I request that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Against Shellpoint Mortgage Mishandling of First Mortgage Payment ( Loan XXXX  XXXX ) To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Shellpoint Mortgage Servicing for their mishandling of my mortgage payments, which caused financial harm and overdraft fees. 

Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Loan Number : XXXX Shellpoint Complaint XXXX XXXX XXXXXXXX My first mortgage payment was due on XX/XX/year>. 

I set up auto-pay via their online portal, which clearly showed the first recurring payment would process XX/XX/year>. 

To ensure timely payment, I called Shellpoint and was explicitly instructed to make a manual payment for XXXX. 

I made that manual payment on XX/XX/year>. 

On XX/XX/year>, Shellpoint still withdrew an additional full mortgage payment, overdrawing my account and triggering bank fees. 

When I called, Shellpoint admitted the error but told me I must wait until XX/XX/XXXX and then request a refund, which would only be issued by check after 710 business days.

I requested escalation to the Office of the President but was denied and told my only option was to submit something in writing through their web portal. However, when I followed this advice, I discovered that no such form, email address, or tool exists on their website. This made their advice completely useless and prevented me from submitting a formal complaint internally.

This situation is unacceptable. I was proactive, followed all instructions, and communicated extensively to ensure payments were timely. Shellpoints system error and poor customer service caused me significant financial hardship.

I request that the CFPB investigate Shellpoints practices and require them to : 1. Issue immediate electronic refund of the duplicate payment.

2. Fully reimburse my overdraft and bank fees.

3. Improve transparency of their auto-pay system.

4. Ensure consumers can escalate complaints to senior management without obstruction.

5. Provide a written explanation for why my request to escalate directly to the Office of the President was denied, contrary to proper consumer complaint-handling practices under federal regulations.

6. Correct their website to ensure that consumers are not given false instructions to submit complaints through non-existent channels.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CRA has not properly investigated any of the accounts listed on my credit report and they are in violation of the law by improperly reporting of accounts. Credit reporting agencies has permanently caused me harm in denial of credit and homelessness and extended hardships

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. 15 U.S.C. 1681c-2 ( FCRA ) Requires consumer reporting agencies to block and delete fraudulent information within 4 business days once notified. A police report is NOT required ; my affidavit, ID, and proof of address are sufficient.

2. 15 U.S.C. 1681b Limits permissible purposes for accessing my credit file. These inquiries were unauthorized, therefore unlawful.

3. 15 U.S.C. 1681s-2 Prohibits furnishers from reporting inaccurate or fraudulent information. These creditors must immediately cease furnishing false data.

Be advised : The statute does not require a police report in order to exercise my rights under 1681c-2. My affidavit and identification are sufficient.

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 2025-09-04 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 am submitting a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the reported XXXX XXXX ( XXXX ) account with partial account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

After reviewing my credit reports from TransUnion and Experian, I have identified multiple errors, inaccuracies, and contradictory reporting that constitute clear violations of FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ), which require that reported information be accurate, verifiable, and consistent.

Specific errors identified : 1. Inconsistent balance : Experian reports High Balance = {$0.00}, while TransUnion reports High Balance = {$1300.00}. This is contradictory.

2. Contradictory dates : TransUnion shows Date of Last Activity = XX/XX/XXXX, while Experian shows = XX/XX/XXXX. 
TransUnion shows Closed Date = XX/XX/XXXX, while Experian does not report a closed date.

3. Confusing account status : Both agencies report the account as closed while simultaneously showing it as Charge-off/Collection, which is misleading.

4. Inconsistent comments : TransUnion states : Charged off as bad debt / Account information disputed by consumer, meets FCRA requirements. 
Experian states : Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
These contradictions create confusion regarding the dispute status.

5. Inconsistent past due amount : TransUnion reports Past Due Amount = {$1100.00} Experian reports Past Due Amount = {$1100.00} The same debt can not have different amounts across different bureaus.

6. Incomplete information : Experian does not include the closed date or the date of last verification ; TransUnion does not report the payment history.

Legal violations : FCRA 607 ( b ) : Requires credit reporting agencies to report accurate information.

FCRA 623 ( a ) ( 1 ) : Prohibits reporting false or contradictory information.

FCRA 611 : Grants me the right to dispute inaccurate information and mandates a timely investigation.

FDCPA 807 ( 8 ) : Prohibits representing misleading or inconsistent information regarding a debt.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UPGRADE, INC.
State: NC

Complaint narrative:
Both complaints concern Upgrade and XXXX XXXX XXXX and their continued false, unverifiable reporting on my credit reports. 

Key Facts & Timeline : On XX/XX/XXXX, Upgrade reported in writing that my account was sold to XXXX XXXX XXXX. 

I sent certified letters to both Upgrade and XXXX XXXX XXXX requesting validation of the alleged debt, as required under FDCPA 809 ( b ) ; 15 U.S.C. 1692g ( b ).

Upgrade responded by confirming the sale. 

XXXX XXXX XXXX never provided any validation. 

Despite this, XXXX XXXX XXXX continued to report the debt under Upgrades name across all three credit bureaus ( EXXXX XXXX XXXX ). This is inaccurate, misleading, and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX also hired XXXX XXXX XXXX XXXX ( XXXX ) to collect the debt after the statute of limitations expired. 

I disputed directly with XXXX, and they subsequently removed their reporting. 

In response to my first CFPB complaint ( XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX that : The account was closed, Recalled from XXXX, And no longer reporting. 
However, this response was false and misleading, because both Upgrade and XXXX XXXX XXXX remain on all three credit reports as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: WI

Complaint narrative:
I discovered that my credit report still shows dispute comments on an account I am no longer disputing. Specifically, the account listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX This account is currently marked with a comment such as consumer disputes this account, which is no longer accurate. I am no longer disputing this account and have not requested for it to remain in dispute status. However, these comments are still being reported, which is affecting my ability to obtain credit. Lenders may view the account as unresolved or under investigation, even though it is not. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that dispute comments be removed from my credit file when I am no longer actively disputing the account. I submitted a request to the credit reporting agency ( or furnisher ) to have these dispute comments removed and the account updated to reflect its regular, non-disputed status. 
Despite my request, the dispute comments have not been removed, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : XXXX XXXX Equifax, Experian, and TransUnion FCRA Violations, Inaccurate Personal Information, and Unverified Accounts I am filing this complaint against all three major credit bureaus ( Equifax, Experian, and TransUnion ) for their repeated failure to correct or remove inaccurate personal information and unverifiable accounts on my credit file. Despite submitting proper disputes with full identification, these bureaus continue to report false or unverified information, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Personal Information Incorrect names and aliases reported : 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 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  These items are either inaccurate, outdated, or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Violations by the Bureaus 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a valid method of verification.

15 U.S.C. 1681g : Failure to provide full consumer file disclosures upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: AR

Complaint narrative:
I am disputing accounts being reported by XXXX XXXX, XXXX, and XXXX XXXX. These accounts are showing as charge-offs with past-due balances, but no proper verification has ever been provided. I have disputed multiple times with the bureaus and the information remains inaccurate. I was also a victim of the XXXX  Equifax data breach, which makes me concerned that this reporting may be linked to errors. I am asking that these accounts be properly removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
The XXXX  record being reported is inaccurate and can not be verified as required by the Fair Credit Reporting Act ( FCRA ). XXXX XXXX, including the XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX, do not furnish consumer information to credit bureaus. The information on my report was obtained from a third-party vendor such as XXXX or XXXX, which is not the original furnisher of data. Because the court itself does not report to Experian, the information can not be verified directly with the source. This record is incomplete and/or outdated and should be deleted or suppressed from my credit file unless Experian can obtain direct verification from the court itself, which is not possible. Please remove this public record entry.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation