vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Transunion indicates that I have had approximately XXXX late payments in the last year but I have not had a late payment for almost 6 years which is corroborated by my XXXX credit report/monitoring. 

I tried to dispute the late payment information via Transunion directly on XX/XX/year>, but I could not find any accounts listed in their summary indicating late payments within the last year. Them thinking I have had so many recent late payments is erroneously and improperly dragging down my credit score which unreasonably affects my ability to apply for credit if necessary. I need this addressed and fixed. 

My XXXX monitoring indicates that it has been 5 years 9 months since my last late payment which is accurate.

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 2025-03-08 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: NY

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX *I DISPUTE OWING ANY and ALL DEBT TO YOUR COMPANY, IF YOU THINK I OWE ANY DEBT TO YOUR COMPANY SEND PROOF IN WRITING ONLY VIA MAIL. I REVOKE ALL RIGTHS WITH YOU COMMUNICATING WITH ME THROUGH CALLS/TEXTS/EMAILS. 
* To Whom It May Concern, I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I demand validation and other clarifications about this debt.

Request for Debt Validation Please provide concrete proof that establishes my liability for this debt. This should include but is not limited to the original contract, detailed breakdown of the amount claimed, the original creditor, and the original date of default. 
Licensing and Bonding Show documented proof that Collection Agency Name is licensed and bonded to collect debts in my jurisdiction.

Ownership and Debt Buying Process Explain your process for buying debts and show me concrete proof, in writing, that you legally own this debt. Provide me with forward flow agreement with you and original creditor. 
Violations Communication in Connection with Debt Collection : I have not received any communication regarding this debt. Provide evidence that supports your claim that my address was undeliverable.

Harassment and Abuse : Reporting an account on my credit report without my knowledge or proof of validation falls under harassment and abuse. 
False and Misleading Representations : You claim to be collecting this debt on behalf of another company. This is both false and misleading as the information is inaccurate. 
15 U.S.C. 1692k Civil Liability I hereby remind you that non-compliance with the FDCPA may result in civil liability under 15 U.S.C. 1692k, including damages.

Account Deletion and Notification to Credit Reporting Agencies If you fail to comply with my requests, I demand immediate deletion of this account from my credit report. Furthermore, I insist that you notify all credit reporting agencies that this account is in dispute and the report is inaccurate.

You have 30 days to comply with this request. Failing to provide the information within this timeframe will result in legal action. 
For the record, I am keeping meticulous notes of all interactions regarding this matter, including copies of all correspondence and details of all telephone communications. 
I expect prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX *I DISPUTE OWING ANY and ALL DEBT TO YOUR COMPANY, IF YOU THINK I OWE ANY DEBT TO YOUR COMPANY SEND PROOF IN WRITING ONLY VIA MAIL. I REVOKE ALL RIGTHS WITH YOU COMMUNICATING WITH ME THROUGH CALLS/TEXTS/EMAILS. 
* To Whom It May Concern, I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I demand validation and other clarifications about this debt.

Request for Debt Validation Please provide concrete proof that establishes my liability for this debt. This should include but is not limited to the original contract, detailed breakdown of the amount claimed, the original creditor, and the original date of default. 
Licensing and Bonding Show documented proof that Collection Agency Name is licensed and bonded to collect debts in my jurisdiction.

Ownership and Debt Buying Process Explain your process for buying debts and show me concrete proof, in writing, that you legally own this debt. Provide me with forward flow agreement with you and original creditor. 
Violations Communication in Connection with Debt Collection : I have not received any communication regarding this debt. Provide evidence that supports your claim that my address was undeliverable.

Harassment and Abuse : Reporting an account on my credit report without my knowledge or proof of validation falls under harassment and abuse. 
False and Misleading Representations : You claim to be collecting this debt on behalf of another company. This is both false and misleading as the information is inaccurate. 
15 U.S.C. 1692k Civil Liability I hereby remind you that non-compliance with the FDCPA may result in civil liability under 15 U.S.C. 1692k, including damages.

Account Deletion and Notification to Credit Reporting Agencies If you fail to comply with my requests, I demand immediate deletion of this account from my credit report. Furthermore, I insist that you notify all credit reporting agencies that this account is in dispute and the report is inaccurate.

You have 30 days to comply with this request. Failing to provide the information within this timeframe will result in legal action. 
For the record, I am keeping meticulous notes of all interactions regarding this matter, including copies of all correspondence and details of all telephone communications. 
I expect prompt attention to this serious matter. 
Sincerely, 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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
I returned the non running vehicle XX/XX/XXXX. Called the company in XXXXXXXX XXXX XXXXXXXX to see how much I would need to get back vehicle and was told it was sold already. I didn't receive a letter on the mail until XXXX XXXX XXXXXXXX ( not actually date ) that vehicle was sold and for under XXXX XXXX. I saw on my credit report in XX/XX/XXXX that it was charged off by company. I received information in XX/XX/XXXX that they wanted to negotiate a payment plan. When I called the lady XXXX hung up on me because I asked for a copy of the 1099c when I called back I was directed to the lawyer whom went in on me and saying they sent paperwork to the courts on XX/XX/XXXX to sue me for the loan and the interest of {$5.00} a day. But my credit report is still saying charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom mortgage is Dual tracking. We submitted our file for loan assistance. They confirmed reciept and began reviewing our documents. In XXXX, we received a missing document letter extremly late via the mail. Freedom did not verbaly advise us of anything missing. Again, our file was being reviewed, which is obviously why we received that letter. At the same time that this letter was sent, while in the review process, Freedom mortgage moved forward and placed a foreclosure sale date on our home. Per the For closing attorney, XXXX XXXX, the notice of default was recorded on XXXX and the sale date was placed on XX/XX/2025. Per the letter that Freedom mortgage provided us, it stated we had until XX/XX/2025 to send in the required missing documents. How can Freedom mortgage review our file and yet foreclose on us at the same time/place a sale date. We were then advised our file was closed out and that theres not enough time to review the file as our sale date is too close. Obviously that was because they were dual tracking and placed the notice of sale on our property. 
The Consumer Financial Protection Bureau ( CFPB ) prohibits dual tracking, which is when a mortgage servicer forecloses on a home while also working with the borrower on a loan modification. The CFPB created these rules to protect borrowers from foreclosure. 
How does dual tracking work? 
A borrower applies for a loan modification or other foreclosure avoidance option The servicer continues with the foreclosure process while also considering the borrower 's application. 
The lack of communication in regards to what was taking place with our file is unnaceptale. I fell behind due to severe medical illness and XXXX was involved in a severe auto accident which resulted in a loss of our income. I am now on permanent disabilty and XXXX can no longer work either. We feel as if we have been discrimanted again based on our age, and financial and econimcal situation. 
We are not computer or tech savy and our mail system is extremly slow. 
Our last call with freedom mortgage on XXXX confirmed they recieved our bank statements and the only other pertinant item was my social security awards letter. We had nothing else that needed to be submitted. 
We were advised that they would try and push our file forward for the review but nothing is guarenteed. This was per Representative XXXX id 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 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom Mortgage offers several autopayment options. One option is twice monthly payments. I signed up for this payment option with the expectation that funds paid in the first installment would be applied to my balance and therefore reduce the overall interest payments over time. 

Six weeks after enrollment in the autopayment program ( with XXXX payments successfully made/funds collected ), Freedom Mortgage contacted me stating my payment was late. I reached out to the company for clarification. During this process, I found out the first payment amount was held in suspension and not applied to my account until the second payment was made. These funds are held without interest. 

The payment advertisement is deceptive.

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 2025-03-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX -- {$760.00} TU UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I have one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that i had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
Mercari dent purchase to wrong address and charged me and the purchase was unauthorized I told them many times to cancel and they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 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: PA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XXXX and ACH payments are not directly accessible while wire is. XXXX requires you to set up a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-08 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: OH

Complaint narrative:
the company stated that i have been late on payments 3 different times i have never been late i have asked for documents and bank statements whitch was never received but they continue to report these negative information on my credit report i am asking that they provide this information or update my account to paid as agreed and never late the company- XXXX XXXX XXXX XXXX the account number XXXX the dates at question XX/XX/year>XXXX  and XX/XX/year>XXXX  and XX/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 explanation
Consumer complaint received 2025-03-08 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: OH

Complaint narrative:
the company stated that i have been late on payments 3 different times i have never been late i have asked for documents and bank statements whitch was never received but they continue to report these negative information on my credit report i am asking that they provide this information or update my account to paid as agreed and never late the company- XXXX XXXX XXXX XXXX the account number XXXX the dates at question XX/XX/year>XXXX  and XX/XX/year>XXXX  and XX/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 2025-03-08 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: OH

Complaint narrative:
the company stated that i have been late on payments 3 different times i have never been late i have asked for documents and bank statements whitch was never received but they continue to report these negative information on my credit report i am asking that they provide this information or update my account to paid as agreed and never late the company- XXXX XXXX XXXX XXXX the account number XXXX the dates at question XX/XX/year>XXXX  and XX/XX/year>XXXX  and XX/XX/year>

Company response to consumer: Closed with non-monetary relief