vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am submitting this dispute for several accounts that I believe have been inaccurately reported on my credit report. Below are the details for the accounts in dispute. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I discovered several negative accounts on my credit reports that are inaccurate, incomplete, or not properly verified. These include multiple charged-off accounts, several collection accounts from debt buyers, and multiple hard inquiries that I did not authorize. Over the past months I have requested verification from the credit bureaus and the furnishers, but none of the companies involved have provided the required documentation under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. No original signed contracts, no chain-of-title documents, no billing statements, no proof of delinquency, and no validation of the balances were provided. Many of the items also show inconsistent information such as differing account numbers, conflicting dates, missing data fields, and unverified late-payment histories. These inconsistencies violate FCRA section 607 ( b ), which requires maximum possible accuracy. Despite the lack of validation, the bureaus have continued to report these items as verified, even though no actual evidence was presented. These inaccuracies have damaged my credit score and affected my ability to obtain credit and fair financial opportunities.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 XX/XX/XXXX 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 XX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXX 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
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX XXXX  XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO XXXX XXXX AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a consumer working to resolve inaccuracies on my credit report. I have identified several accounts that I believe are incorrect or need further investigation. Below is a list of accounts in dispute, separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9800.00} XXXX XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX  XXXX, XX/XX/XXXX, {$2700.00} XXXX, XXXX, XX/XX/XXXX, {$5400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$1300.00}

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 2025-11-28 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: NY

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
CFPB Complaint Shellpoint Mortgage Servicing Loan Number : XXXX Borrower : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX I am requesting an immediate investigation into the servicing actions taken by Shellpoint Mortgage Servicing while they were the servicer of my FHA-insured mortgage.

My loan originated as an FHA loan through XXXX XXXX XXXX and was transferred to Shellpoint as an FHA-insured loan. During Shellpoints servicing period, the loan was converted from FHA to a Conventional product through a loan modification, without a refinance, without FHA-required procedures, After making this unauthorized loan conversion, Shellpoint then transferred the loan to XXXX XXXX , creating confusion, inaccurate loan status changes, and possible violations of FHA servicing guidelines and federal mortgage-servicing law.

These actions appear to violate : HUD Handbook 4000.1 ( FHA servicing and loss-mitigation requirements ) 12 C.F.R. 1024.35 Servicing Errors 12 C.F.R. 1024.36 Requests for Information FHA case-transfer and investor-type rules A formal complaint has also been filed with HUD for investigation into the unauthorized FHA-to-Conventional conversion and the loan transfer sequence.

I am requesting : 1. A full investigation into Shellpoints handling, modification, and

transfer of my loan. 2. All documentation showing how and why Shellpoint converted my FHA loan to Conventional. 3. All FHA case history and investor type records during Shellpoints servicing period. 4. Correction of any inaccurate or unauthorized actions taken on the loan. I am the sole borrower on this mortgage and fully authorized to receive all servicing information related to my loan. Please see attached for further details

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 2025-11-28 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXXXXXX XXXX XXXX XXXX XXXX  In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I deposited my work check XXXX XXXX XXXX this was a live check until my direct deposit kicks in. I deposit it XXXXXXXX XXXX XXXX around XXXX am it's XXXX XXXXXXXX XXXX from my understanding they may be able to give you at l ease XXXX until the rest clear .This did not honor that I talk to customer service people on phone who sounded like they just woke up then requested supervisor and chatted with XXXX she said why dont you take a loan out!! .why when l have money sitting in the bank. and also they said by XXXXXXXX XXXX XXXX  the word " By " would make my funds available XX/XX/year> it was not stated on XXXX XXXX XXXX  my funds would be available .I 'm frustrated because I'm traveling and needed money. Lack of concern for the customer service web site is miss leading. and my request of going up the chain of command was not declined when asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am writing to report and dispute certain items appearing on my credit report that are fraudulent. These accounts and inquiries do not belong to me, and I did not authorize or participate in any transactions associated with them. Their presence has negatively impacted my credit standing and may indicate identity theft or unauthorized use of my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Type of Complaint : Credit Reporting Incorrect / Unverified Account Credit Bureau : Experian Report Number : XXXX Report Date : XX/XX/year> Company Reporting Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number Reported : XXXX What happened Experian is reporting a credit account under my name, identified as account number XXXX, referenced in my dispute response report # XXXX dated XX/XX/year>. 

This account is being reported as closed with derogatory information. I have never received any documentation linking me to this account, including : A signed application A cardholder agreement Statements showing transactions tied to me I disputed this with Experian. The furnisher certified the information as accurate without providing proof. Reporting unverifiable information violates the Fair Credit Reporting Act ( FCRA ). 

This is damaging my credit and preventing me from obtaining fair financial services. 
Requested resolution I request that the CFPB require the furnisher to : 1 Provide complete documentation proving this account belongs to me 2 If unable to verify : Immediately delete the account from all credit reports Remove ALL negative associated information 3 Confirm correction in writing Why intervention is necessary This appears to be unverified and potentially fraudulent reporting. 
The furnisher is not complying with FCRA obligations for proof and verification. 

I request the CFPBs investigation and enforcement action. 

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In 2025, I refinanced my auto loan with XXXX XXXX XXXX XXXX ( XXXX ). XXXX officially marked the loan as Paid in Full on XX/XX/year>, confirming the account was satisfied and closed with no repossession activity. 

After the refinance, XXXX XXXX began servicing the new loan, and my statements show normal, active billing and payments, proving the vehicle was never repossessed. For example, the XXXX statement covering XXXX September 2025 20 XX/XX/year> shows the loan active with a remaining balance of {$41000.00}, no past-due amount, and no repossession indicators. The following statement covering XXXX October 2025 20 XX/XX/year> shows continued on-time payments, including a processed payment on XX/XX/year>, and an active remaining balance of {$40000.00}. These statements confirm the vehicle remained in my possession and the refinanced loan remained open and current. 

Despite this, XXXX is reporting the loan as a Paid Repossession, which is false. The vehicle was never repossessed, voluntarily surrendered, or taken by XXXX at any time. The loan was paid in full through refinance on XX/XX/year>. 

I disputed the inaccurate reporting with the credit bureaus and attempted to resolve the issue directly with XXXX, but the derogatory repossession remark remains and is damaging my credit. 

I am requesting that XXXX correct the reporting to accurately reflect : Paid in full through refinance No repossession, and remove all incorrect derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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