vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not had a updated or refresh score in almost 2 months the only thing that is updating is XXXX  equifax and TransUnion are not updating my score I have paid off my debt for XXXX  XXXX and the debt collector I have the attached document below equifax is still showing its open and transunion also I have a new account with bank XXXX  credit card I have been making on time payments and its not showing on equifax or transunion only XXXX  and I reached out to my bank and they report to all XXXX please investigate this. Im trying to get my credit in good condition bc I need a home and this is causing a financial barrier

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 2025-05-28 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: IL

Complaint narrative:
There is an account on my credit report that Ive never seen before and have absolutely no connection to. I dont recognize it, I didnt open it, and Ive never had any dealings with the company listed.

This is clearly a case of mixed or incorrect data, and it has no business being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/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 2025-05-28 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: NC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Dear Receivable Management Services This letter is to notify you that I am disputing the debt you are reporting in the amount of {$210.00} last reported on XX/XX/year>. I am requesting that you provide full validation of this debt, including the name of the original creditor, a breakdown of the amount claimed, and any documentation bearing my signature or personal responsibility. 
According to the FDCPA and FCRA, I request that you suspend all collection activity and credit reporting until this matter is resolved. If you are unable to provide sufficient validation, I demand that this account be deleted from my credit report. 
Thank you for your prompt attention to this matter. 
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 2025-05-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian, In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing multiple unauthorized credit inquiries that appear on my credit report, and I am also requesting the correction of inaccurate personal information. # # # Unauthorized Credit Inquir
ies The following inquiries have violated my federally protected consumer rights to privacy and confidentiality under * * 15 U.S.C. 1681 * *, for the following reasons : * * * 15 U.S.C. 1681 Section 602A * * Establishes my right to privacy regarding the use and distribution of my credit file.

* * * 15 U.S.C. 1681 Section 604 A ( 2 ) * * States that a consumer reporting agency may not furnish a report without the consumers written instructions.

* * * 15 U.S.C. 1681c ( a ) ( 5 ) * * Prohibits reporting any adverse item older than seven years.

* * * 15 U.S.C. 1681s-2 ( a ) * * Prohibits any person from knowingly furnishing inaccurate or unverifiable information.

These inquiries were not authorized by me and are not linked to any open or approved accounts. I respectfully request that you * * remove * * the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Correction In addition, I am requesting that you correct my personal information as follows : XXXX XXXX XXXX  Correct Legal Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( as shown on my official identification ) * * * Correct Mailing Address : * * XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX * * * Employer Name ( if listed ) : * * Antunes Please update your records accordingly and remove any incorrect name variations, addresses, or employer names that may be listed in error.

-- - Please conduct your investigation as required by federal law. I expect written confirmation of the results of your investigation and the actions taken within the timeframe mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-28 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: CL Holdings LLC
State: VA

Complaint narrative:
I've never had a XXXX or XXXX account and believe my information was stolen also found out I XXXX XXXX  on social security XXXX and I don't know how

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
We requested paperwork to complete a loan recast. Paperwork was completed, sent certified as required, our {$400000.00} recast check was deposited on XX/XX/year>. Since that time we have been required to send paperwork again to a different address. we have made multiple calls and each time have been promised the recast would be completed in eight business days. today i was told our issue has been escalated and we would know something next week. In the meantime we now owe another payment at the original mortgage terms, XXXX weeks after our recast payment was deposited. 

Please help!

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 2025-05-28 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Date : XX/XX/XXXX a Motion of complaint filed in XXXX, AL. XXXX XXXX to recover an exasperated debt amount in the amount of {$2000.00} from me. 

I state that I only owed CitiBank XXXX at time the debt was written off and XXXX then acquired my personal information improperly ( I have proof from XXXX from CitiBank ). 

This debt was purchased by XXXX XXXX XXXX XXXX XXXX And complaint motion filed agsinst me by their attorney XXXX XXXX XXXX XXXX 

I have disputed this debt more than 3 times via my credit report because I do not owe XXXX XXXX XXXX and have never had a Wet Ink Contract with said debt collection company. 

According to 15USC1692 / 15USC1681/ Improper debt practices are abusive. Deceptive and unfair and has violated my rights. I've never received a XXXX for discharge debt either. I am requesting this as well. Also, XXXX continues to re-insert debt collections onto my credit reports after they have already been removed, this is a violation of my rights and deceptive illegal practices. 

I tried to reach out to Attorney XXXX and call was routed to a debt collector agency by the name of selection team ( spoke with debt collector by the name of XXXX XXXX ) advising her I was instructed to call said attorney because the XXXX XXXX XXXXXXXX stated their IT team needed to fix the XXXX website and they dont know how long that will take, therefore I could not respond via XXXX. So, Attorney XXXX was never placed on the line because the call was rerouted to an actual collection agency ( deceptive ) who then asked me to verify all of my information such as name. Last 4 of my ss # and address which I was very uncomfortable providing. 

I would like this debt removed from my credit reports within XXXX hours and I would also like for all communication to cease and the court complaint to be dismissed for this debt i never owed this company ( XXXX ) based on improper debt collection practices and NO CONTRACT. 

I do not have nor have I ever had a contract with 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 2025-05-28 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: IL

Complaint narrative:
I am filing this formal follow-up complaint regarding inaccurate and harmful credit reporting by XXXX XXXX XXXX XXXX on my Experian credit file. Despite a prior dispute submitted on XX/XX/XXXX, Experian has failed to correct the errors or provide sufficient documentation to support its continued reporting of false information. The dispute was marked as " resolved '' without any real investigation or validation which is unacceptable and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Auto Loan Reporting Inaccuracy The XXXX XXXX auto loan opened in XX/XX/XXXX and closed in XX/XX/XXXX was refinanced, yet this is not reflected in the current credit report. Instead, Experian is reporting XXXX XXXX late payments for XXXX and XX/XX/XXXX, which likely occurred during the refinance process and may have been misapplied. These delinquencies are unsubstantiated, and no documentation has been provided to prove they are valid despite my previous request. 

XXXX Credit Card XXXX XXXX XXXX XXXX XXXX credit card is reporting a {$2000.00} balance against a {$2000.00} limit ( 102 % utilization ). However, a payment was made in XX/XX/XXXX, and the balance was significantly reduced. This outdated information is still being reported, unfairly damaging my credit utilization ratio and score. Experian has failed to update this information in a timely manner. 

Pattern of Delay and Harm Negative activity such as high utilization is reported to Experian immediately, but corrections even when requested with evidence are delayed for weeks or completely ignored. This double standard undermines consumer trust and is a direct violation of the FCRAs mandates for accurate, current, and complete information. 

Demand for Manual Investigation I am specifically requesting that no AI-driven or automated response be used to review or respond to this complaint. This case requires a manual investigation by a qualified Experian dispute specialist with access to my full account history and the ability to communicate with XXXX XXXX. The use of automation in place of human review for factual inaccuracies is both inappropriate and potentially unlawful when consumer harm is clearly demonstrated.

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 2025-05-28 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief