vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$68.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$130.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX SSN - XXXX Date XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Inaccurate Credit Reporting in Violation of FCRA and Massachusetts Law To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a collection account being reported by Midland Credit Management Inc ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) across all three major credit bureaus. Despite previous disputes, your agencies continue to report this collection account with the incorrect 'Account Type ' as 'Open Account ' and 'Loan Type ' as 'Debt Buyer. ' This information is factually inaccurate and misrepresents the nature of the account. A collection account should not be classified as an 'Open Account ' under credit reporting guidelines, as the account was closed and charged off by the original creditor ( XXXX XXXX XXXX  XXXX. Furthermore, Midland Credit Management is reporting themselves as the debt buyer, without ever providing any contract or agreement showing that I authorized or entered into a financial agreement with them. 

As a resident of Massachusetts, I am protected by state consumer protection laws including 940 CMR 7.00 and M.G.L. c. 93. Under Massachusetts law, debt buyers are required to provide strict validation of debts and must be properly licensed to operate and report in this capacity. If Midland Credit Management has not complied with these regulations, the account should not appear on my credit reports.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to report only information that is complete and accurate. Continuing to report this tradeline with inaccurate account type and loan type data constitutes a violation of this federal law. 

I am requesting : - An immediate reinvestigation into this account. 
- Removal or correction of the account type and loan type to reflect the accurate status. 
- Full documentation supporting the accuracy of this reporting, including the original creditor 's agreement and validation of ownership by Midland.

Failure to respond to this complaint with verified documentation will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Massachusetts Attorney Generals Office. 

Please consider this a formal complaint and demand for reinvestigation under the FCRA and Massachusetts state law. I expect a timely response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: VA

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXXXXXX I'm unaware of this debt, and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I sent a letter certified mail on XX/XX/year> requesting transunion to do a reinvestigation for errors on my credit report. They failed to respond

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 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today I have been a total of 3 hours with your bank. The first rep hung up after I was on hold for over 30 min and the second I requested a manager rep name was XXXX and supervisor was XXXX and again on hold for over 39 min they couldnt solve my issue Im requesting a compensation of {$300.00} for taking time off work to get a bank issue solved. 
I added an external account and your bank has not sent the deposits for me to verify I have done it twice already and I was asked to do it again and again same issue no deposits This i unacceptable I need to complete this request and your bank employees are not fixing it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I called to skip a payment in 2024 to try and catch up on bills as my wife has been on leave from work and they gave me an option to do a partial claim lowering my principal balance and placing the rest as a XXXX  against my property. My rate was going up so I confirmed that I would be able to refinance at any point and they advised that doing the partial claim would not impact my ability to refinance. Fast forward to now, my wife has still been out of work so we have had our credit card debt increase. I wanted to refinance with cash out to consolidate that debt but was advised by another company they'd have to pay the lien off in order to be able to refinance which is not an option for me as I'm trying to keep my monthly payments down. 
To sum everything up, my mortgage company told me i would be able to refinance my modified loan without the XXXX effecting it but now that I'm trying to do just that it is impacting my ability to refinance. So they mislead me when doing so and my rate went up so now I'm locked into higher rate because I had the understanding I'd be able to refinance down the road to get that rate down when rates dropped but won't be able to because I'll have to pay off the XXXX even though this will still be my primary residence.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of 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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I received my statement that indicated I was past due XXXX payment. I called customer service and we determined that my XX/XX/year> payment was missing. I sent proof of payment to get it corrected and the company reversed XXXX of my payments. I have received letters that I was in default but when I call customer service they indicate that XXXX needs to be applied to my account due to their error of reversing my payments. I have contacted them on XXXX separate occasions and am being told that the payment processing dept and IT department are " working '' on the problem. Due to the letters that I have received referencing default and foreclosure I feel I have to only look at what I have in writing and not rely on spoken word from customer service. I need assistance and protection to get this corrected and prevent the mortgage company from trying to foreclose on my home. They are also showing my principal balance higher that it actually is.

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 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint regarding my Freedom Mortgage account ending in XXXX. A 30-day late payment was inaccurately reported for XXXX, XXXX. I made the payment on time, and this reporting is incorrect. 

I have requested that Freedom Mortgage provide documentation verifying the late payment, but they have not done so.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ), furnishers are required to report accurate information. Under 1681i, the credit bureaus must also conduct a reasonable investigation. Neither party has met these obligations.

I am requesting the removal of this inaccurate late payment from all credit bureaus ( XXXX XXXX XXXX XXXX ) as it is damaging my credit profile and was not reported correctly.

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 2025-05-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Garrison Investment Group
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX with XXXX XXXX told us the pool builder had requested stage two funding. The loan completion certificate ( LCC ) was sent to sign. We responded saying " the loan is not ready to be funded '' and here are the outstanding issues to resolve. 

On XX/XX/year>, a payment of {$380.00} was debit from our XXXX XXXX account for the {$30000.00} stage two funding. 

The {$30000.00} Stage Two Funding was never authorized. The Loan Completion Certificate was not executed. XXXX XXXX  will not tell us who authorized this or where the funds were sent. They reported this to the credit bureaus and currently show Stage Two is {$3100.00} past due. 

I have contacted them numerous times but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
After reviewing my credit report, I see many inaccuracies that I need removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXXAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX unaware of this dept and di not have the opportunity to dispute this account. If you believe you sent proper notification. Please provide "certified mail" receipts displaying my signature. If not, please delete account XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account # XXXX. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete this account as soon as possible off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VT

Complaint narrative:
I went to get food to eat, and my account card declined. Checking the balance on an atm, I found that not only was my account drained, but it had also been overdrafted. To my knowledge, I never gave consent or had a judgment ruled against me, which allows them to do this. As far as I know, this is a predatory and fraudulent action on their part.

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 2025-05-12 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 non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am disputing an account being reported by XXXX on my credit report. The account is listed as closed with a balance of {$590.00}. However, XXXX sold this debt to a third party collection agency. According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, original creditors must report a {$0.00} balance once an account is sold or transferred. I have disputed this with the credit bureaus, but it continues to be reported incorrectly and comes back " verified '' despite the violation. i am requesting that the CFPB investigate this issue and ensure that XXXX updates the reporting or removes the account entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
XXXX-I enrolled XXXX  XXXX  account to XXXX XXXX XXXX vecause I was going through fincial hardship due to medical debt. 

XXXX Account was charged off from XXXX XXXX XXXX XXXX They did so without notifying me or allowing me to pay off debt. 

XXXX XXXX I called XXXX  to see what they have not allowed me to start payments. They then informed me account was charged off in XXXX to Nelson & Kennard. Ive tried to contact them via phone, email, and fax and received no response. Its like a stone wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Requested banking information and routing number. Questionable whether number is valid.

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 2025-05-12 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: NC

Complaint narrative:
I have XXXX late payment from XXXX XXXX on my credit report from XX/XX/year> on a personal line of credit with account number starting in XXXX. I have been on time for 99 % of my payments. The month that report a late payment was due to an ACH payment issue with my bank and I was never notified about it. I would like to ask if upper management could submit a request to the credit reporting agencies to remove the late payments. It is stopping me from getting approved for a mortgage.

Company response to consumer: Closed with non-monetary relief