vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 has violated my rights. 



I looked at my TransUnion Equifax XXXX  credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
My loan was sold to Freedom Mortgage a couple of months ago. I was due a yearly analysis of my escrow account in XXXX. I reached out to them in message within the app and got no answer, so i called and was told it was done in XXXX and that I would see the difference for XXXX. My taxes nor my insurance has been paid out.

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 2025-05-08 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: NJ

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report contains an inaccurate late payment for the XXXXBANK account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from XX/XX/year>, which shows a past due amount of {$0.00} but is incorrectly listed as a late payment. This error has caused unnecessary stress and has significantly impacted my ability to obtain financial products, further straining my financial stability. Given the sensitive nature of this information, it is likely that this error is the result of a data breach, which is a serious concern for my financial security. This inaccuracy violates my rights under 15 USC XXXX and XXXX ( b ), which clearly outline the requirement for accurate reporting of payment histories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. CXXXXe XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. CXXXXe XXXX XXXX ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have made over XXXX qualified payments towards XXXX XXXX XXXX XXXX and have asked for forbearance while my XXXX  cancellation is in progress. My Federal loan servicer, Mohela, shows that I made monthly payments in XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX and these payments are not being credited to my studentaid.gov account, which is the portal for managing my Federal student loans. Because not all of my qualified payments towards XXXX cancellation have been credited to my studentaid.gov account, my request to have my loans cancelled under the XXXX program has not been honored. My Master Promissory Note was a promise my loans would be cancelled after I had made XXXX qualified payments. The Department of Education though its servicer Mohlea is unlawfully demanding continued payments from me despite me having already reached the XXXX qualified payments towards XXXX. I would like for Mohela and the Department of Education to properly account for all the payments I have made towards my Federal student loans and in particular, ensure my payments for XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX are promptly credited to my studentaid.gov account. Once Mohela and the Department of Education have properly accounted for my student loan payments, I would like for the Department of Education to acknowledge all of my qualified payments towards XXXX, to cancel my student loans pursuant to my Master Promissory Note and the XXXX program, and to promptly refund me for all payments I have made beyond the XXXX required payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX on XX/XX/XXXX, I requested the XXXX XXXX Department ( XXXX ) XXXX  on XX/XX/XXXX XXXX Police Department XXXX XXXX ) that our report be forwarded XXXX the appropriate Federal Bureau XXXX XXXX XXXX XXXX our mortgage loans with XXXX XXXX XXXX, JP Morgan Chase XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX with our credit lines ( XXXX XXXX Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Bank XXXX, for which I was a victim of exploitation due XXXX my XXXX XXXX victim of organized crime from the year XXXX XXXX Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 ( XXXX ) as proof from the XXXX 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally file a complaint against Experian regarding an inaccurate bankruptcy record that appears on my personal credit report. This entry is severely damaging to my creditworthiness and is not associated with me personally, but rather with a business entity I own. 
Specifically, the bankruptcy in question was filed under the name of an XXXX XXXX XXXX XXXX XXXX ) that I own and operate. It was not filed under my Social Security Number or in my personal capacity. Despite this, the bankruptcy appears on my personal credit file as if I were personally responsible for the debt. 
I previously submitted a dispute to Experian, including documentation clearly showing that the bankruptcy was filed under the business entity, not under my name or Social Security Number. However, Experian conducted a reinvestigation through XXXX ( Online Solution for Complete and Accurate Reporting ) and failed to remove or correct the inaccurate entry. They claimed the information was verified, yet they did not address the proof I provided. 
This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ensure maximum possible accuracy of the information they report. Experians continued reporting of this inaccurate and misleading information is harming my credit profile and causing undue stress and financial hardship. 
Enclosed is a copy of the relevant page from my credit report, the business bankruptcy filing showing the XXXX as the petitioner, and my previous dispute correspondence with Experian. 
I request that the CFPB investigate Experians failure to properly investigate and correct this inaccurate bankruptcy entry, and that the account be permanently removed from my personal credit file.

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 2025-05-08 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: PA

Complaint narrative:
I am submitting this complaint to serve as a notice that I sent this agency the attached dispute so they can not claim they didn't receive it. I will not allow them to continue with their noncompliance

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
" XXXX XXXX '' called my sister, my friends, my kids father who i have no spoke to in over XXXX  years saying they are a processing center. I called back, XXXX XXXX XXXX answers the phone and says she answers for XXXX XXXX XXXX, I asked her what was the name of the company she refused o give any information. She connects me with another lady who told me they are trying to deliver court docs to me and they need to know when I will be home? I did not verify my name they asked me for personal information i refused to verify she hung u on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have sent proof of my identity and all inaccuracies with supporting documents to EQUIFAX, TRANSUNION & EXPERIAN. The following documents were Drivers License, Social Security Card, FTC report, Police Report & I am now contacting the CFPB because no correspondence nor corrections have been made to my credit reports.

I have sent Certified letters via USPS mail with signature receipt multiple times to all three companies. The first time on XX/XX/year> with no response, and the second time on XX/XX/year>, again with no response or update to my credit profile/report. 

The following reports were also submitted to these credit companies : XXXX XXXX Police Department Report Number- XXXX XXXX XXXX XXXX XXXX Report Number - XXXX FTC Report Numbers- 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 2025-05-08 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: TX

Complaint narrative:
I have sent proof of my identity and all inaccuracies with supporting documents to EQUIFAX, TRANSUNION & EXPERIAN. The following documents were Drivers License, Social Security Card, FTC report, Police Report & I am now contacting the CFPB because no correspondence nor corrections have been made to my credit reports.

I have sent Certified letters via USPS mail with signature receipt multiple times to all three companies. The first time on XX/XX/year> with no response, and the second time on XX/XX/year>, again with no response or update to my credit profile/report. 

The following reports were also submitted to these credit companies : XXXX XXXX Police Department Report Number- XXXX XXXX XXXX XXXX XXXX Report Number - XXXX FTC Report Numbers- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I've received a letter from Toyota Financial Services ( letter is dated : XX/XX/year> ) saying they will be sending me a check for a XXXX ( Guaranteed Auto Protection ) I've financed through my account with Toyota Financial Services for {$760.00} under separate cover. On XXXX XXXX I called them to find out the status of that check and was told that was going to take about XXXX days to get that check. I've called them back on XXXX XXXX to ask again for the check since I have not received it so far and they told me that a check for {$670.00} was already sent to me for an amount of {$670.00}, I did get a check dated on : XXXX not for {$760.00} and so the date on the letter from Toyota Financial Services ( not the date stamped on mailing envelope ) was after the check date, so I've questioned them why they were saying that {$670.00} check was part of the total XXXX  refund check of {$760.00} if the letter date and check date were not matching, I mean the check would have arrived later than the date I got the letter, and not the check with a date prior to me receiving that check. I've called them already more than twice and always wasting my tine since they always put me on hold a lot of times while checking with other departments and at the end I do not get an answer about the check status, always asking to call them back in a few weeks and the same thing happens over and over, putting me on hold while checking with other departments and NO ANSWER just : let us check and call us back in a few weeks, I'm sick and tired of this situation, just today spent more than XXXX XXXX  on the call since XXXX ( agent XXXX XXXX XXXX had to go through the ALL thing again and just told me at the end that the XXXX department 's was in a meeting since she ( I guess ) was not able to get me an answer ( again ) and so that she was not able to help me with a solution in my case since the system was done for the XXXX department, so she asked me to call them back again, this is not right, not calling them back, waste of time ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I sent Midland Credit Management a debt validation letter via certified mail requesting verification of the alleged debt. They did not respond with proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, they reported the collection account to the credit bureaus ( XXXX XXXX and now XXXX  ) after my request. This reporting occurred without providing me any proof that the debt is valid or that they are legally authorized to collect it. 

I also included documentation of my financial hardship I receive Supplemental Security Income ( XXXX ) as my only income, and under FDCPA Sections XXXX and XXXX, continued collection and reporting may be considered abusive or unfair. I am requesting deletion of this account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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, 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 explanation
Consumer complaint received 2025-05-08 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: GA

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 response to consumer: Closed with non-monetary relief