vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-11 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This account was opened with out my knowledge. I dont recognize this account .fraud charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I inquired about taking money out of my HELOC to pay off credit card debt on XXXX with M & T Bank. I was told the terms would be XXXX XXXXXXXX 8.89 % with a payment of {$250.00} a month. I asked a couple times to be sure that the full balance owed was included in this payment. She told me it was so I moved forward with locking in the new interest rate/payment. 

I then received a bill for $ XXXX dollars. I called the bank to inquire why my bill was so much higher, the lady told me there was just one payment left of my previous HELOC and the next month my payment would go back to the agreed upon $ XXXX. I made the payment. Then I received a letter stating I had XXXX separate loans and the total of the payment was I believe $ XXXX! I spoke with the manager of the bank, after a few days they told me they can not honor the payment they quoted me over the phone.

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 2025-03-11 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: NY

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for : Failure to properly validate the debt under 15 U.S.C. 1692g ( b ) of the FDCPA.

Continued credit reporting of an unverifiable debt in violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. 

Complaint Details : Debt Buyer : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Balance : {$1100.00} Account number : XXXX Credit Report Status : Still reporting a balance despite failure to validate. 
Violation : Failure to provide proper debt validation within the legal timeframe under the FDCPA.

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 2025-03-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Mada I am writing to bring to your attention fraudulent credit inquiries that I have identified on my most recent credit report. These inquiries were made by companies that I do not recognize and for which I did not authorize any credit check or pull. 

The unauthorized inquiries are as follows : List of Inquiries and Dates : ( Copy and paste from your downloaded FTC report ) I respectfully request that you validate the information with the companies listed above and provide me with copies of any documentation associated with these inquiries that bear my signature, authorizing them. 

In the absence of such documentation, I formally demand that these fraudulent inquiries be immediately removed from the credit file associated with my Social Security Number.

Please be advised that under the Fair Credit Reporting Act ( FCRA ) Section 611, you have 30 days to complete this investigation. Should you fail to comply, I am prepared to settle the matter for civil liability damages I have incurred due to your violation, in the amount of {$1000.00}, pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you refuse to settle by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will pursue actual damages which may exceed {$1000.00}. 

Please send payment via Certified Funds to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received notification on my XXXX consumer credit report in XX/XX/year> that my score had gone down and found while looking deeper into my closed accounts that American Express, a company that previously I disputed with the credit bureaus about an account they were reporting as negative and was charged off and closed because they could not validate the debt, is still reporting a negative account balance and past due total of {$1200.00} to my credit reports as of XX/XX/year>. 

This is causing my debt to income ratio to be extremely imbalanced as this is not a valid debt and was suppose to be showing a XXXX balance for the last several years since the credit bureau investigation into my dispute could not validate the debt with American Express. The account was closed and charged off, but also is showing contradicting information on my credit report reflecting that the account has an unpaid open balance ( see attached screenshots ) which is not accurate. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: SC

Complaint narrative:
I am filing a formal complaint against National Recovery Agency ( NRA ) for illegally reporting a fraudulent medical debt to credit bureaus that I do not owe, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Health Insurance Portability and Accountability Act ( HIPAA ), and South Carolina consumer protection laws. I am requesting an immediate deletion of this erroneous account from my credit report.

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) National Recovery Agency is in violation of multiple sections of the FDCPA ( 15 U.S.C. 1692 et seq. ), including : 15 U.S.C. 1692e ( 8 ) Prohibiting the reporting of false or misleading information to credit bureaus.

15 U.S.C. 1692f ( 1 ) Prohibiting the collection of any amount not expressly authorized by law or contract.

15 U.S.C. 1692g ( b ) Requiring proper debt validation upon dispute before further collection or reporting.

I have no knowledge of this medical debt, and NRA has failed to provide valid documentation proving its legitimacy, yet they continue reporting it, damaging my credit unlawfully.

2. Violation of the Health Insurance Portability and Accountability Act ( HIPAA ) & Privacy Rights Under HIPAA ( 42 U.S.C. 1320d-6 ), a medical provider or collection agency can not disclose protected health information ( PHI ) to a third party ( such as a credit bureau ) without proper authorization.

National Recovery Agency does not have my consent to report this medical debt, and they are illegally handling my medical information.

South Carolina Consumer Protection Law ( S.C. Code Ann. 37-20-110 et seq. ) further protects against unauthorized credit reporting practices.

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 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-11 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am the victim of identity theft. The identity theft was discovered and investigated by XXXX XXXX Police Department, the person who stole my identity was prosecuted and found guilty of the crime ( Police report attached. ) I reported the identity theft to Experian on XX/XX/XXXX, the same day that police notified me that my driver 's license and mail were found in the possession of a person unknown to me, who was arrested. Experian placed a fraud alert on my credit report at that time. 

I provided Experian with a copy of the Witness Statement Report ( which states the case number, detective 's name and badge number, the date and timestamp, the perpetrator 's name, the report, and my signature ), a copy of the identity theft report made to the Federal Trade Commission, a copy of my driver 's license and a current utility bill ; furthermore, I have provided all of this information at least twice. 

On XX/XX/XXXX, a fraudulent XXXX account with a balance of {$2500.00} appeared on my credit report, and I disputed the account online immediately then followed up with a call to Experian identity restoration. At that time, I was asked for the same documents I already provided, which was frustrating but I provided the documents again. I then reported the fraud to XXXX XXXX. 

On XX/XX/XXXX, Experian sent me a long, confusing email asking for excessive information ( which I have already provided. ) On that date, I made my initial report to the CFPB. 

On XX/XX/XXXX, I received the entire police report regarding the identity theft which took place ( attached. ) I sent a copy of the report to XXXX and Experian. XXXX investigated and confirmed the account was not mine, the account was opened by fraud and I was not responsible for the charges ( email attached. ) I sent the email from XXXX to Experian. 

On XX/XX/XXXX, I received an email from Experian accusing me of committing a crime, even though I am the victim of identity theft. Furthermore, Experian declined to block or remove the disputed items from my credit report which have been investigated and determined to have been the result of identity theft. 

My rights as a crime victim and the victim of identity theft are being violated repeatedly, and Experian has done nothing to resolve these issues.

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 2025-03-11 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: WA

Complaint narrative:
I have been reported 30 days late multiple times by my apartment complex. I also emailed the accountant ( XX/XX/XXXX ) about the fact this was incorrect. He agreed I was correct and that corporate would fix it ( See attached. ) I reached back out XX/XX/XXXX because I had not heard back about this situation that happened in XXXX of XXXX. They are now trying to tell me they will not fix it and that anything after seven days is reported 30 days late ( see attached. ) I personally looked into the problem. Our lease states any payment will be applied to the oldest bill. However, XXXX is applying it to the next months utilities instead of the current bill. The accountant also includes in his email there is no way to fix that problem. They are the ones who put it in the lease and it is my belief they should have to follow it. XXXX ( The accountant ) was even nice enough to include the lease agreement in his follow up email so I have attached the section about rent being applied to the oldest balance. 

Thank you!

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 2025-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Mandarich Law Group, LLP
State: AK

Complaint narrative:
On XX/XX/year> dispute of debit excersing XXXX  debit credit collection privacy act ( FDCPA ) on proof of debit and requesting stop of phone calls, mail, and reporting to credit beauru until requested documents are sent. Letter sent via certified mail to Mandarich law group LLP debit collector for XXXX XXXX XXXX. The company signed for letter on XX/XX/year>. Requesting for following : XXXX ). Original debit collector name, address, and account number. XXXX ). Original contract between me and original creditor. XXXX ). Provide copy of last billing statement from original creditor. XXXX ). Itemized ledger with dates of payments, amount paid for each item. XXXX ). Provide original creditor book keeping record by XXXX. XXXX ). Provide license number and telephone of state agency that issued licence to collect debt in state of Alaska XXXX ). Submit contract between Mandarich Law Group LLP and original creditor that is signed. XXXX ). Provide original copy of signed contract between original creditor and myself. This was to prove debit was owed. As of XX/XX/year> XXXX XXXX XXXX XXXX did not provide proof on XX/XX/year> filing for lawsuit which is a direct federal violation Per Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation