vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-29 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:
This is XXXX of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$310.00XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$0.00}

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 2025-04-29 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: OK

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 explanation
Consumer complaint received 2025-04-29 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: OK

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
debt was disputed on XXXX XXXX, XXXX  XXXX, Items sent from Midland only included photocopies of statements, no validation of the payments I had made with Midland for the debt, no forward flow agreement and no license to collect this debt in my state. As of currently the Debt is in collections showing an open status when infact the debt was written off by the original creditor as a loss. I received no 1099 for that write off from orginal creditor after request. per ch 15 1681s-2 abd 1692g Midland is in violation of the fair reporting act. 


Also XXXX XXXX  wrote off debt, for roughly XXXX received no 1099 for the write off, XXXX XXXX  sold debt to XXXX XXXX XXXX firm who then placed lein on my home for entire debt amount XXXX XXXX  recorded prior to their {$2900.00} write off. Sold home in XX/XX/year> found out XXXX XXXX no longer had Debt it was sold to another company which then collected the original debt XXXX XXXX  recorded which I had to pay our of profits received from mortgage sale to release lein. The debt from XXXX XXXX  SHows paid by consumer for the amount of XXXX which isn't the correct amount left after their tax write off. I never received any forward flow agreements from other collection companies. the debt was to be removed after payment but it has yet to come off my credit report. I feel I may have paid an amount over what was actually owed after their tax write off,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AL

Complaint narrative:
I have not initiated any transactions with these companies and do not have an " account '' as defined by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 do not recognize this address can you please remove it, thank you also listed is the wrong variation of my current address

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 2025-04-29 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 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:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXXXXXX BALANCED {$300.00} DATE OPEN : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BALANCED {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BALANCED {$190.00} DATE OPEN : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-29 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: FL

Complaint narrative:
I recently noticed incorrect items on my credit report on my account XXXX This is hurting my ability to get credit. Please review this account. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I recently noticed incorrect items on my credit report on my account XXXX This is hurting my ability to get credit. Please review this account. 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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: PA

Complaint narrative:
I get repeated unsolicited calls about loan offers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Real Time Group, Inc.
State: ME

Complaint narrative:
We applied for a loan modification of our XX/XX/XXXX loans during the Mortgage XXXX of XXXX while with Option XXXX Mortgage, currently defunct. Our payment portal showed the XXXX mortgage went down to zero for a few months, and then disappeared completely. We thought that was our mortgage relief, but we never received any information from Option One or any other company in the past 17 years. Now, two days before closing on our home sale, another realtor finds that XXXX XXXX XXXX claims to hold the vanished XXXX mortgage and demands payoff at over {$60000.00} on an original loan of {$47000.00}. This mortgage was not listed in the XXXX XXXX registry of deeds anywhere. We could not come to terms, lost the sale, and requested proof of mortgage ownership from XXXX. We waited for proof through another sale and extension of yet a XXXX sale ( closing XX/XX/XXXX. ) We finally offered to pay 10 % just to settle this and complete our home sale, or we would get legal representation. With no contact to us, on XX/XX/XXXX XXXX posted their mortgage claim at XXXX XXXX XXXX registry. This document is completely against Maine Statutes listed below and XXXX has not serviced this loan in good faith. 

Title XXXX : COURT PROCEDURE -- CIVIL Part XXXX : PROVISIONAL REMEDIES ; SECURITY Chapter XXXX : EXECUTIONS Subchapter XXXX : GENERAL PROVISIONS XXXX. Execution liens and Title XXXX : COURT PROCEDURE -- CIVIL Part XXXX : PARTICULAR PROCEEDINGS Chapter XXXX : MISCELLANEOUS PROVISIONS RELATING TO FORECLOSURE OF REAL PROPERTY MORTGAGES Subchapter XXXX : GENERAL PROVISIONS XXXX. Mortgage servicer duty of good faith This document was not registered in the York county registry of deeds within the required 3 years, there was absolutely NO communication with or knowledge of XXXX from XXXX until now, serious damage has been done to our sale process in not addressing our concerns in a timely manner, while the mortgage references a Maine property the provided documentation is XXXX and questionable in legality to Maine, and finally -- an Option XXXX service XXXX signed this on XX/XX/XXXX when Option XXXX Mortgage no longer exists. 

We have been trying to sell our home for nearly a year and due to my health issues, early retirement, and my husband 's XXXX, our resources are gone and it is vital to sell before our health and finances totally collapse. We are open to a reasonable conclusion to this situation, but at this time we are mistrustful of RTR due to their treatment of us and their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-29 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
[ Subject : Demand for Verification and Deletion of Account XXXX XXXXXXXX I am writing to formally dispute the validity of the account listed under XXXX XXXXXXXX with XXXXXXXX XXXX, as reported on my credit file. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a proper investigation into the accuracy of this account and provide method of verification as required by law. Additionally, under 15 U.S.C. 1681s-2 ( b ), you are obligated to ensure the completeness and accuracy of the information furnished to consumer reporting agencies. 

I hereby request the following : XXXX of XXXX : Provide detailed documentation verifying the accuracy of this account, including but not limited to : A copy of the original signed contract bearing my signature. 



A complete payment history, including dates and amounts of all alleged transactions. 



Proof of any assignment or transfer of the account, if applicable, with verifiable chain of custody. 



Any and all records that substantiate the legitimacy of this debt, as required by 15 U.S.C. 1681b.

Immediate Deletion : If you are unable to provide the requested verification within the statutory timeframe of 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ), you must immediately delete this account from my credit file with all consumer reporting agencies, including Equifax, Experian, and TransUnion, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

Failure to comply with these demands constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 1681o, which provide for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and reasonable attorneys fees. Additionally, failure to verify the debt may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, if applicable. 

Be advised that I am fully prepared to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating private legal action to enforce my rights under federal law. 

Please send the requested verification or confirmation of deletion to the address listed above within 30 days of receipt of this letter. Any communication failing to meet the requirements of this demand will be considered non-responsive and may result in further legal action. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I asked the bank if the account was written off or charged off why they didnt give me a 1099-C from the irs as all property in my name that was written off or changed off I should get a 1099-C but never received XXXX at all they refused to give me XXXX either so its considered fraudulent account activity?

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