vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
This CRA is reporting false information on their consumer report version on me. XXXX XXXX, XXXX / XXXX, XXXX are all fraudulent accounts and have been reported to the police. These accounts are not mine. They were not opened by or authorized by me. My wife and I are co-victims to this scheme. Someone has a forged Power of Attorney documents in our names.There are open active investigations in XXXX  XXXXXXXX XXXX XXXX, and 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 2025-11-10 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX * * * * - Balance : {$1900.00} - Date Opened : XX/XX/year>XXXX XXXX XXXX  # XXXX * * * * - Balance : {$3600.00} - Date Opened : XX/XX/year>

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Car insurance account was started on my behalf, without becoming aware until after the fact. However, company contacted me stating account was to be cancelled due to not providing details on who all resided at residence in which I agreed to and informed that i did not approve to an increase in fees that was added. The company continued on with account regardless and has sent account over for collections and reported it on credit report, stating that because I did not have car insurance with another company till a later date for vehicle that was not being used, I owe them what they are demanding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have audio recordings of my calls on XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX consent compliant ). On XX/XX/XXXX ( recorded ), I requested my XXXX XXXX XXXX XXXX XXXX XXXX  ) name and direct contact info per RESPA ( 12 CFR 1024.40 ). A supervisor promised a callback on XXXX, XX/XX/XXXX ( recorded ) no call ever came. On XX/XX/XXXX ( not recorded ), Shellpoint attorney XXXX XXXX XXXX of XXXX XXXX called me aggressively. He refused any written response, refused to give the XXXX phone or email, and gave only the XXXX  first name NO contact info. I was told legal team will call in 5 business days ( deadline XX/XX/XXXX ) still no call, no XXXX access. Today, XX/XX/XXXX, I called again and held for over 30 minutes. The rep claimed there is NO record of any of my previous calls and NO supervisors available. I informed her all my calls are recorded and I have proof on tape of their promises for callbacks that never happened. I requested another callback today they said it will take 5 days with no guarantee. Shellpoint is deliberately blocking my XXXX, denying call records despite my recordings, and using endless delays. This violates : 12 CFR 1024.40 ( a ) ( 1 ) must provide direct SPOC contact ; 12 CFR 1024.38 ( c ) ( 1 ) must ensure XXXX accessibility and maintain reasonable policies/records ; 12 CFR 1024.36 failure to respond to oral Request for Information. 
What Ive done : Recorded calls : XX/XX/XXXX & XXXX ( available for CFPB review prove requests and broken promises ). Called again today XX/XX/XXXX and informed them of recordings. No written acknowledgment ( 5-day RESPA rule violated ). No functional XXXX  despite verbal name drop.

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 2025-11-11 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 writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Experian has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Experian to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. CXX/XX/XXXXe XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U. S. CXX/XX/XXXXe XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am formally disputing the accuracy and completeness of the XXXX XXXX XXXX account currently being reported on my credit file. This account is being reported in a manner that is both factually incorrect and legally noncompliant with the Fair Credit Reporting Act ( 15 U.S.C.1681 et seq. ). 
The credit report reflects the following contradictory and inaccurate information : The account is listed as Paid off while simultaneously reporting a balance of {$1200.00} and stating {$1200.00} past due as of XX/XX/year>. 

Despite my previous disputes, no meaningful correction or reinvestigation appears to have been conducted as required under FCRA XXXX ( a ) ( XXXX ) ( A ). 

These inconsistencies render the report inaccurate, misleading, and incomplete, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that consumer reporting agencies maintain maximum possible accuracy of information. Additionally, continued reporting of a paid account as past due constitutes false and damaging information under FCRA 623 ( a ) ( 1 ) ( A ).

If this information can not be verified with proper documentation from the original creditor, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to promptly delete the item from my file. Reporting paid off while simultaneously showing a past-due balance is an inherent contradiction and can not be verified as accurate. 
Therefore, I demand the following actions : Failure to comply with the FCRAs investigation and accuracy requirements will leave me no choice but to pursue all available legal remedies.

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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint regarding willfully inaccurate and misleading credit reporting by Westlake Financial Services, which constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ). 

The account is reported on my XXXX  credit report and XXXX, XXXX, as of XX/XX/year>, with the following critical errors that constitute specific FCRA violations : XXXX. VIOLATION : Reporting Inaccurate Information - FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Westlake is reporting a " Past due amount '' of {$24000.00} on an account with a status of " Account charged off. '' This is a legally contradictory and inherently inaccurate practice. A charged-off account is, by definition, written off as a loss and can not have a recurring " past due '' payment. Reporting it as such is a clear violation of their duty to report accurate information. 

XXXX. VIOLATION : Failure to Correct and Update Information - FCRA 15 U.S.C. 1681s-2 ( a ) ( 2 ) Westlake received a {$5000.00} insurance payout after the vehicle was declared a total loss. Despite receiving this material payment, Westlake has failed to update the account balance and status to reflect this settlement. The continued reporting of a {$24000.00} balance without accounting for the {$5000.00} payout renders the reported balance inaccurate and unverifiable. 

XXXX. VIOLATION : Creating a Misleading Impression The overall reporting of this account is misleading. The combination of " charged off '' status with a specific " past due amount '' creates the false impression that I have a current, ongoing payment obligation, which is not true for a charged-off account. This misleading impression causes significant harm and violates the spirit and letter of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding unauthorized accounts and inquiries being reported on my credit file! I have provided the credit bureaus with proper identification and supporting documentation proving these accounts are fraudulent. Despite this, the bureaus have failed to correct or delete the information within the time required by FCRA 611 ( a ) ( 1 ) ( A ). This is a direct violation of my rights under the fcra, which mandates prompt REINVESTIGATION and CORRECTION of any inaccurate or fraudulent information! Under FCRA 605B, fraudulent accounts and inquiries must be blocked and deleted within XXXX business days once evidence is submitted yet the bureaus have BLANTANTLY ignored my dispute entirely. This ongoing negligence and lack of response have caused severe emotional distress and damage to my creditworthiness. I am requesting immediate investigation, enforcement action, and full deletion of all unauthorized items from my credit report IMMEDIATLY!

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 2025-11-11 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:
XXXX ) Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The XXXX XXXX and XXXX accounts display conflicting payment histories and past-due amounts across all three bureaus, violating 607 ( b ). 2 ) Failure to Properly Reinvestigate and Delete Unverifiable Data FCRA 611 ( a ) [ 15 U.S.C. 1681i ] I submitted written disputes, yet unverifiable data remains. Under 611 ( a ) ( 5 ) ( A ), such data must be deleted within 30 days. 3 ) Continued Reporting of Disputed Information After Prior Disputes FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] The Navy Federal tradeline still displays derogatory data after prior dispute notations. 4 ) Misleading and Incomplete Reporting Closed and paid accounts should not continue showing late or derogatory remarks, which misrepresents my credit standing.

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 2025-11-11 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: NC

Complaint narrative:
XXXX ) Failure to Assure Maximum Possible Accuracy FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The XXXX XXXX and XXXX accounts display conflicting payment histories and past-due amounts across all three bureaus, violating 607 ( b ). 2 ) Failure to Properly Reinvestigate and Delete Unverifiable Data FCRA 611 ( a ) [ 15 U.S.C. 1681i ] I submitted written disputes, yet unverifiable data remains. Under 611 ( a ) ( 5 ) ( A ), such data must be deleted within 30 days. 3 ) Continued Reporting of Disputed Information After Prior Disputes FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] The Navy Federal tradeline still displays derogatory data after prior dispute notations. 4 ) Misleading and Incomplete Reporting Closed and paid accounts should not continue showing late or derogatory remarks, which misrepresents my credit standing.

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 2025-11-11 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$18000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX NXXXX # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$490.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My account was reported late in XX/XX/2021, however Ive never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I used to send money to my family to XXXX XXXX at a store location, then I realized I can install the app and send money to make it easier on me. When I created my account Ria XXXX my account and after calling and calling they kept saying my account is XXXX because of security reason, which to me it doesn't make sense because I can go to a store and send money but not with app. 
I made XXXX last call to support, the person told me there's XXXX account XXXX and XXXX that he was going to delete XXXX and keep the other. That this was going to get fix and they will let me know. I never heard from them.

Company response to consumer: Closed with explanation