vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2025-05-29 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: NY

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 2025-05-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX , 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 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX 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 explanation
Consumer complaint received 2025-05-29 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.

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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I made on-time mortgage payments via XXXX from my XXXX XXXX XXXX account every month from XX/XX/XXXX to present, averaging {$640.00}. Despite this, SN Servicing applied a {$32.00} late fee on XX/XX/XXXX without justification. Their own portal shows consistent payment dates ( XXXX, XXXX, XXXX, etc. ) that contradict this charge. 

On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) requesting full account history, escrow breakdowns, and documentation justifying the fee. They never responded. On XX/XX/XXXX, I received a multi-page statement alleging I was delinquent despite no missed payments. 

SNs tactics appear predatory and deceptive, involving misapplied charges, failure to respond to formal inquiries, and inflated balances all of which may violate RESPA, TILA, and the California Financial Code. I am requesting investigation and corrective enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$220.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-05-29 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: CA

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$220.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I formerly was insured for auto and homeowners with XXXX XXXX XXXX. In XXXX I changed insurance carriers and canceled the insurance on the last day of the old coverage. XXXX charged my credit card for the insurance, then refunded the full amount. 

I just received a collection notice from Credit Collection Services in the amount of {$67.00} purportedly relating to a debt in that amount to XXXX. If I had owed them money they would have kept the amount owed from the {$7000.00} XXXX XXXX refunded to me on XX/XX/2025. 

I do not owe this collection agency anything. 

The address for Credit Collection Services is : XXXX XXXX XXXXXXXX XXXX MA XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc.
State: VT

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX stating that I owed {$370.00} due to a charged off account. I had previously spoken to a collection representative at XXXX Rise XXXX because my family was experiencing financial hardship due to a layoff and I requested that the account not be closed as I was making deposits and trying to bring it positive. I went to make a mobile deposit that would have brought my account fully back into positive status when I was notified that the account had been sent to collections as a charge off despite the representative on the phone assuring me that the account would remain open as long as I was making deposits. 

I then received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating an owed balance of {$390.00}. I worked with a representative, XXXX, and got on a payment plan of {$50.00} per week in order to pay off the debt as quickly as possible. 

After the first XXXX payments were processed, I received email correspondence from XXXX that there was an issue with my payments, and they needed to contact me. I called them and spoke to both XXXX and a supervisor. The supervisor quoted me a remaining balance of over {$400.00}. When I questioned the supervisor on this amount considering I had already made payments AND have the documentation from XXXX XXXX XXXX reflecting the original amount owed, they got aggressive and rude. I requested written documentation of the original balance with an itemized list of additional fees or interest that has been added after the debt was sent to XXXX XXXX XXXX per Fair Debt Collection Practices. I requested this documentation on XX/XX/XXXX and have not received any correspondence with XXXX XXXX XXXX since that conversation. 

As of XX/XX/XXXX XXXX XXXX has resumed collection phone call attempts daily despite not providing the required documentation I requested. I believe XXXX XXXX XXXX is attempting to collect additional fees that I do not owe, they failed to disclose and have failed to provide proper verification of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quantum Financial, Inc.
State: IL

Complaint narrative:
Account XXXX  XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Shellpoint Partners, LLC
State: MT

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Summary of Complaint : Shellpoint Mortgage Servicing continues to report and collect on a mortgage debt that was legally rescinded under the Truth in Lending Act ( 15 U.S.C. 1635 ) on XX/XX/scrub> 2025. Shellpoint failed to respond within the required 20-day statutory window. The debt and XXXX are therefore void by operation of law. Offer of tender was made contingent upon Shellpoint 's mandated statutory requirement to return all charges and fees and removal of the lien from the land records which they failed to do. 

Despite this, Shellpoint has continued to : - Send collection letters, - Threaten negative credit reporting, - Ignore evidence of rescission, ( Affidavits, Certified Mail receipts, etc. ) - Acknowledge receipt of my rescission in recorded phone calls with their representatives on XX/XX/XXXX and XX/XX/year>. 

The originating lender ( XXXX XXXX ) acknowledged the validity of the rescission in internal emails. Shellpoint received these emails and was provided direct knowledge of the facts. 

Shellpoint Mortgage Servicing Loan Account No : XXXX I am requesting CFPB enforcement to compel Shellpoint to cease all collection and credit reporting activities, issue a discharge confirmation, and correct my credit records accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/year> SSN ( Last XXXX ) : XXXX \ [ Loan Servicer/Creditor Name ] \ [ Servicer/Creditor Address ] \ [ City, State, ZIP Code XXXX Subject : FERPA-Based Dispute of Unauthorized Credit Reporting of Student Loan Information * * To Whom It May Concern, I am writing to formally dispute the reporting of my student loan account to credit reporting agencies by your organization. Under the * * Family Educational Rights and Privacy Act ( FERPA ) * *, student loan and financial aid information is considered part of my protected education records and can not be disclosed to third parties, including credit bureaus, without * * my written consent * *.

I did * * not provide written consent * * authorizing your organization or any affiliated entity to release or report my student loan information to any credit reporting agency. Therefore, the reporting of this information is * * a direct violation of my FERPA rights * *.

FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) clearly states that education records, which include financial aid and student loan data, may not be disclosed without prior written authorization. The reporting of such data without my explicit consent is unauthorized and must be corrected immediately.

Accordingly, I am requesting that you : 1. Cease all further reporting of my student loan information to credit bureaus ; 2. Remove any and all previously reported information from my credit profile ; 3. Provide written documentation of any consent you claim I provided authorizing this reporting ; 4. Respond to this request within 30 days of receipt.

If these actions are not taken, I reserve the right to file a formal complaint with the U.S. Department of Education and pursue all available legal remedies. 

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am filing a complaint because a debt collection agency is reporting a collection account on my credit report that I do not recognize or agree with. I never gave permission for this debt to be transferred to or collected by them. I requested validation of the debt, and they failed to provide sufficient proof that the debt is valid or that they own the debt. 

Additionally, this company has illegally contacted my family members and friends, disclosing personal and private financial information a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). This public exposure of my financial matters has caused me severe embarrassment and distress. 

The continued reporting of this unverifiable debt and illegal third-party disclosures have led to extreme financial stressXXXX XXXX XXXX and XXXX. This situation has significantly affected my daily life, my mental health, and my ability to focus on maintaining financial stability. 

I previously submitted a dispute to XXXX, which was denied despite the debt not being validated. The company also refused to remove the collection from my credit report. 

I am formally requesting that the Consumer Financial Protection Bureau intervene and require this debt collection agency to : Cease all further contact, Provide full validation of the debt, or Remove the account from all credit reporting agencies if they are unable to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
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.

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