vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
My account with XXXX XXXX  XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-15 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-15 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: VA

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and TransUnion credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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. 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 ( private case number ) 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 2025-04-15 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: FL

Complaint narrative:
These Hard inquiries do not belong To me, have not been authorized by me and should be removed. These other too. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Earlier today, I noticed some unfamiliar accounts on my credit report, and Im unsure why theyre appearing. When I checked my report, as I normally do, I saw these unexpected errors. I thought it might be a technical problem and refreshed my browser, but nothing changed. Im requesting a thorough review of the documents I provided to ensure this issue is resolved and doesn't come back.

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 2025-04-15 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under XXXX USC XXXXe ( b ) and XXXX USC XXXXi, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form and would like these accounts deleted.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ), I am formally requesting that XXXX immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within four ( 4 ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : A credit card account opened at REVVIXXXX on XX/XX/XXXX under the account number ( private ). 

These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by XXXX, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my XXXX credit report. 
A copy of my consumer credit report from Equifax, clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the REVVI/XXXX credit card. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA XXXX, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within four ( 4 ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
Greetings, I am filing this complaint due to my information being used without my knowledge and permission. I am a victim of identity theft. On my credit report there are a lot of accounts with balances on them that i never opened myself. I have proof these accounts are not mine. I am requesting an investigation to remove these accounts. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$330.00} balance. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1700.00} balance, " XXXX XXXX ' opened XX/XX/XXXX with {$1300.00} balance. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1100.00} balance. These are all the information i have on these accounts. I have never opened any of these accounts and i don't know where they came from.

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 2025-04-15 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: NV

Complaint narrative:
Greetings, I am filing this complaint due to my information being used without my knowledge and permission. I am a victim of identity theft. On my credit report there are a lot of accounts with balances on them that i never opened myself. I have proof these accounts are not mine. I am requesting an investigation to remove these accounts. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$330.00} balance. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1700.00} balance, " XXXX XXXX ' opened XX/XX/XXXX with {$1300.00} balance. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1100.00} balance. These are all the information i have on these accounts. I have never opened any of these accounts and i don't know where they came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AK

Complaint narrative:
We subdivided a lot that the mortgaged property was part of back in XXXX. We went through and completed a partial release of said lot through PHH and built a new home of this piece of land. This new home was financed with a new mortgage through a different mortgage company. This new mortgage company collected the taxes and insurance costs through the mortgage payment on our behalf. Yet, PHH continued to collect taxes on both the old property and new property, boosting our mortgage payment by {$1000.00} a month. We contacted PHH about this in XXXX of XXXX. They did not resolve the issue until XXXX of XXXX. We then completed our own escrow audit and noticed that PHH paid the county taxes on our existing mortgage almost 2 months late in XXXX of XXXX. This generated a late fee of over {$500.00} that they paid out of our escrow. We brought this to their attention in XXXX of XXXX. It is now mid XX/XX/XXXX and we have no updates except " we are waiting on our tax department ''. This is completely unacceptable timeframes for 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 2025-04-15 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They have added incorrect addresses and accounts on my report my scores isnt the same either

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls ill under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) XXXX ( b ) ( 7 ). I kindly request that you delete and block information from my credit report within four business days pursuant to section XXXX of Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX ( Balance {$29000.00} ), XXXX XXXX XXXX XXXX XXXX ( Balance {$2500.00} ), XXXX XXXX XXXX XXXX ( Balance {$920.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My XXXX XXXX  & I have received several calls from an individual who says he is a process service for Milestone Credit Card ( I do not have ) that says he works for XXXX XXXX XXXX. I spoke to him twice and asked him to send me paperwork that shows what he is talking about. He is rude and never gives me any information so I blocked him. He has continued to contact my family. If he has everyones phone numbers he should have my address because I have lived in my home for over 14 years. I am feeling harassed by a scammer. His name is XXXX and he calls from different numbers with a XXXX area code. He claims his office number is XXXX and the case number is XXXX. I have never had this credit card and furthermore it is not on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
This letter serves as my final demand to delete the following invalid and unverified negative account that continues to be reported on my credit report, despite multiple attempts to have this corrected : XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unverified, and being reported without proper validation or authorization. I have no signed agreement or legally binding obligation tied to this account. Despite my previous disputes, You have failed to provide sufficient documentation proving the accuracy or legitimacy of this item.

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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
In XX/XX/XXXX, I discovered that a collection account from XXXX XXXX XXXX was reported to TransUnion in XX/XX/XXXX, without my knowledge or consent. The alleged debt is for {$250.00} and is tied to a former apartment I moved out of in XX/XX/XXXX. I was expecting a {$1000.00} security deposit refund from the property, and I never received any itemized breakdown or notice of a balance due. 

XXXX XXXX XXXX never contacted me prior to reporting this debt. The first communication I received was via email on XX/XX/XXXX more than XXXX months after they reported the debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires a collector to provide written notice of the debt within 5 days of first contact and give the consumer 30 days to dispute it before taking further action such as reporting to credit bureaus. 

On XX/XX/XXXX, I mailed a formal FDCPA dispute and debt validation request to XXXX via certified mail, asking for documentation and proof of the alleged charges. As of now, no validation has been provided, and this collection account remains on my credit report, having already caused a XXXX drop in my XXXX score. 

I am requesting that this collection account be immediately removed from my credit report due to XXXX XXXX XXXX failure to follow federal notification and dispute procedures. I have attached my dispute letter, proof of credit damage, and a screenshot of the first email XXXX sent me to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

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 2025-04-15 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: NY

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
Consumer complaint received 2025-04-15 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: MN

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 2025-04-15 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: FL

Complaint narrative:
This is about an old account with ALLY Financial. The vehicle securing the loan was involved in an accident. The insurance company paid a lump sum and totaled the vehicle. The remaining balance was settled in the joint owners bankruptcy proceedings and court documents show the account was paid by the trustee in full. Ally has since 9 months later placed the account on my credit with a balance due of XXXX which is false. After repeated attempts to have it removed there is still no resolution. I have filed disputes with each credit bureau and the XXXX in this matter. Bankruptcy documents were provided to all three bureaus and ALLY Financial.

Company response to consumer: Closed with explanation