vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I REPORTED IDENTITY THEFT TO ALL THREE CREDIT BUSINESS BUREAUS EQUIFAX XXXX XXXX XXXX XXXX GA XXXX EXPERIAN, XXXX, INFORMING THAT MY PERSONAL INFORMATION WAS COMPROMISED THROUGH DATA BREACH VICTIM, DARK WEB FRAUD, UNUSUAL CREDIT INQUIRIES, ACCOUNTS, FRAUDALENT DERAGATORY INFORMATION STATEMENTS ONTO MY CREDIT REPORTS. IDENTITY THEFT STUDENT LOANS, OPEN ACCOUNTS THAT WERE OUT OF IDENTITYT THEFT I PROVIDED CREDIT BUREAUS WITH IDENTITY THEFT AFFIDAVIT, AND OTHR SUPPORTING DOCUMENTS SUPPORTING DISPUTED INFORMATION ONTO MY CREDIT REPORTS, CREDIT HISTORY THEY CLOSED ACCOUNTS INSTEAD OF REMOVING THEM FROM MY CREDIT REPORTS, MY CREDIT SCORE BEING AT XXXX SHOULD HAVE GONE UP XXXX  LEFT AT THE SAME CREDIT SCORE. THEY DID NOT HANDLE DISPOUTED INFORMATION AND MY REPORTING HOW THEY WERE SUPPOSE TO. INSTEAD THEY MADE A BIGGER PROBLEM FOR ME WHICH MAKES MY CREDIT HISTORY LOOK LIKE IF ITS MY FAULT, IRRESPONSIBLE AND OR ETC.THEY DID NOT TAKE ME SERIOUS. I EVEN PROVIDED POLICE REPORT NO, FTC REPORT NO, CFPB REPORT NO AND YET NOTHING. BEING  A SENSITIVE MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Complaint Summary : I am filing a complaint against Midland Credit Management for failing to properly process the satisfaction of a court-ordered wage garnishment after I paid the debt in full on XX/XX/year>. 

Details : On XX/XX/year>, I paid the garnishment amount in full to Midland Credit Management. 

I was informed by a representative that the garnishment would be stopped and a confirmation would be sent to me and my employer. 

As of XX/XX/year>, my employer had not received official notification, and my wages were still being garnished. 

On that same date, I received a duplicate copy of the garnishment summons at my residence in an unsealed envelope, exposing sensitive personal and financial information. This appears to be a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and privacy laws. 

When I called Midland, I was unable to get the name or contact number of the attorney handling the garnishment, and the representative refused to give me her real name, stating her company name was XXXX XXXX. She provided no ID number or legitimate way to verify her identity. 

Harm Suffered : Continued wage garnishment despite payment in full. 

Exposure of private debt-related information through improper mailing. 

Frustration, stress, and lack of transparency in dealing with a representative using a false name. 

Resolution Sought : Immediate notification to my employer to stop the garnishment. 

Filing of a Satisfaction of Judgment with the court.

Written confirmation of debt satisfaction. 

Investigation into Midlands practices, especially improper mailing and failure to follow FDCPA guidelines.

Assurance that my privacy and rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED SOME FRADULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED SOME FRADULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$21000.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XXXXXXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$680.00} XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$630.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$420.00}, XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$210.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$54.00}, XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

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 2025-03-27 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: Experian Information Solutions Inc.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT MANAGEMENT CORPORATION
State: CT

Complaint narrative:
I received a letter from Credit Management Corporation stating they filed a lien on my property. I do not remember this and would like verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Frost-Arnett Company
State: IN

Complaint narrative:
The Company responded that they removed the account from my profile when requested in XX/XX/year>. The account is still present on my XXXX account as I'm typing this message. It has not been removed after several failed attempts over the last few years. I've disputed this account at least XXXX times for the last few years. I've never done any business with this company. I'm also requesting the XXXX that was filed on behalf of this account proving that the debt has been fulfilled and canceled. I'm requesting {$5000.00} form the company for all the grief I have had to endure over the last few years as a result of this account innacurately being reported to my profile. If I do not get the response that I'm looking for here, I'm going to file a claim with The XXXX XXXX XXXX for the {$5000.00} with the hopes that companies such as this one start to do the right thing by consumers and their credit standing. I'm sending my current XXXX account as proof that this account is still inaccurately reporting on my profile right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
My credit is very important to me, and the inaccuracies on my credit report are causing significant stress. There are mixed and fraudulent inquiries on my report that I never authorized or benefited from, and its affecting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX DEPARTMENT UNEMPLOYMENT BENEFITS ARE COOPERATING IN A NEGLIGENT MANNER IN REGRDS WITH MY UNEMPLOYMENT CLAIMS THEY HAVE HIRED XXXX  TO WORK AS XXXX CUSTOMNER SERVICE EMPLOYEES AT LOCATION LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THEY HAVE MISTREATED ME SEVERALK OF TIMES AND GIVEN ME A REAL DIFFICUKLT TIME I HAVE TO GO THERE MORE THAN A COUPLE OF TIMES TO INQUIRY ABOUT MY BENEFITS AND OR WHY I HAVENT RECEIEVD AFTER XXXX AUTOMATED SYSTEM INFORMS ME OF MY DIRECT DEPOSITS ALSO AFTER A HAVE A HEARINMHEARD AND I GET GRANTED MY BENEFITS I DONT RECIEVE THEM I HAVE COMPLAINED TO CORRESPONDING BANK WHO IS IN CHARGE OF HAVIN GTHE MONEY IN MY ACCOUNT AND INSTEAD OF TAKING ME SERIOUS THEY CLOSE MY ACCOUNT LIKE THEY HAVE EVERY OTHER BANK ACCOUNT EXAMPLE XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THEY ARE COMMITING FRAUS AND STEALING MONEY FROM ME ON SEVERAL OCCASSIONS I HAVE COMPLAINED TO THE STATE BAR FOR ALLOWING ATTORNEYS TO TREAT PEOPLE THIS WAY I DONT HAVE ANY COMMITMENTS TO ANYONE TO BE TREATED THIS WAY THEY ARE REALLY STEALING MY LITTLE INCOME THAT I GET. THEY ARE RELALY ALLOWING XXXX  TO TREAT ME LIKE XXXX  SIO THEY CAN GET AWAY WITH CRIMES AGAINST ME, PEOPLE ARE SPEAKING AND PROVIDING FRAUDALENT INFORMATION ABOUT ME TO OTHER BUSINESS FOR THEIR OWN BENEFITING OF THIS FRAUDALENT ACTIVITIES BY IMPERSONATORS LAW ENFORCEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: WA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute regarding negative accounts on my credit report that are negatively impacting my scores and require validation. It has now been nearly 60 days, yet these accounts remain on my credit report. According to the FCRA, you are required to respond and conduct a proper investigation into this issueneither of which has been done. I demand that you remove these accounts immediately for failing to comply with the FCRA. If this matter is not resolved, I will proceed with contacting an FCRA attorney to explore legal action. Please remove these accounts due to your clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Several accounts on my credit report are being inaccurately reported. My student loans are in forbearance until XX/XX/year>, but they are being reported as delinquent or in default. I have credit card accounts that were charged off, sold to collection agencies, and then paid through wage garnishment, but the original creditors are still reporting balances and monthly updates on those same accounts. In some cases, both the original creditor and collection agency are reporting the same debt. I also noticed multiple addresses on my report that are not valid or were never associated with me, which may be affecting account verification. I submitted disputes to the credit bureaus and requested full validation, but they did not correct the inaccurate information. This is causing damage to my credit and violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On my credit reports I noticed an entry from CREDIT COLLECTION SERVICES dated XXXX, 2025 AMOUNT OWED {$590.00} CREDIT COLLECTION SERVICES continues to report to all XXXX credit bureaus negatively without any proof of contract between them and I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief