vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for actions that I believe constitute a wrongful eviction and the imposition of unlawful charges. 

On XX/XX/XXXX, XXXX XXXX sent a notice of lease termination to my email, stating that I needed to move out immediately to avoid fines and eviction proceedings. In response, I complied with the notice and moved out before the date requested ( XX/XX/XXXX ). Despite this, XXXX XXXX proceeded to send me a move-out bill, which included a {$1000.00} charge for early lease termination, as well as other fees, such as stove cleaning. 

I never requested to move out and believe that I was wrongfully evicted, as the eviction process was conducted without any involvement of the court, which is required by law. Under both federal and state law, a landlord can not evict a tenant without following proper legal procedures, including filing a formal eviction suit in court and obtaining a judgment from a judge. This process ensures that tenants rights are protected. Evictions conducted without court proceedings are considered illegal and violate tenant protections, including the XXXX XXXX XXXX and local landlord-tenant laws. 

Furthermore, the allegations against mespecifically smoking and playing loud musicwere vague and unsubstantiated. The apartment complex did not charge me any fees related to smoking or odor, nor could they prove that I was responsible for any loud music. The allegations were brought to me by an anonymous neighbor, and XXXX XXXX never provided any concrete evidence linking me to these issues. 

After my move-out, XXXX XXXX sold the alleged debt, amounting to {$3500.00}, to Collections USA . I am disputing this debt as I moved out in accordance with their instructions, and the eviction was carried out unlawfully without due process. Additionally, I have not received any documentation proving that the fees charged to me are legitimate. 

I am requesting that the Consumer Financial Protection Bureau investigate these actions by XXXX XXXX. I am seeking the removal of these charges from my credit report and the resolution of this matter in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received a call from what I believe was Chase bank ( person XXXX XXXX stating someone named XXXX XXXX had tried to open a credit card in my name with this person as an additional user on the account on XX/XX/year>. Also tried to update address of record to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provided a reference number XXXX I was then transferred to someone name XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Reference number XXXX. 
Not sure if this was all real or fraud. I wouldn't provide any detailed information on myself, but he had information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital System, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ).

On April 7, 2025, I sent a written request to the debt collector instructing them to cease all communication with me regarding an alleged debt. This notice was sent in accordance with 15 U.S.C. 1692c ( c ), which clearly states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the collector to cease further communication, the debt collector must cease communication, except to : 1. Advise that collection efforts are being terminated ; 2. Notify the consumer that specific legal remedies may be invoked ; or 3. Inform the consumer that the collector or creditor intends to invoke a specific remedy. 

Despite my written request, the debt collector has continued to contact me through letters, which is a direct violation of this federal law. I had explained to them that this debt had already been investigated and removed from my credit once before, but I was told that they acquired the debt from XXXX and would be pursuing it even though it had already been written off on their taxes with the IRS. 

I am requesting that the CFPB investigate this matter and hold Jefferson Capital Systems accountable for its noncompliance with federal law. 

Thank you for your time and attention to this serious matter. Please do not hesitate to contact me for any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
They kept calling on a number flagged as spam so i didnt answer. The voicemail looked fraudulent. So i ignored it. They contacted third parties not listed on the loan, and when i called they hung up like they are providing me a service, i called back they said they are gon na keep calling everyone on the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is the only credit bureau allowing a company named XXXX XXXX report a collection to my credit profile that does not belong to me. Ive disputed multiple times and asked for verification of the debt and was provided with no pertinent details such as the ownership of such debt. This needs to be removed from my credit profile. In addition Ive filed a complaint with the FTC and CFPB on XXXX XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have chargeoffs and collections which I am willing to make payments on, but they should not be reporting to my credit because this is making it hard for me to be able to obtain a home or rent a home. I need these removed from my credit reports immediately and permanently.

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 2025-05-14 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-14 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further 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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am a 100 % XXXX veteran and under Texas Tax Code 11.131, I am legally exempt from paying any property taxes on my primary residence. On XX/XX/year>, the XXXX XXXX XXXX XXXX approved my 100 % XXXX Veteran XXXX Exemption. 

I submitted the official exemption letter to Carrington Mortgage Services LLC on XX/XX/year>, and followed up by phone to confirm receipt. I was initially told I would receive a resolution by XXXX. On XX/XX/XXXX, I was told I would now have to wait until XXXX to receive a refund and for the escrow account to be adjusted. 

Carrington continues to collect escrow for property taxes that I am legally exempt from paying. This is a violation of state law and causes me unnecessary financial harm. I submitted a formal letter on XX/XX/year>, requesting immediate escrow adjustment and refund, but I am filing this complaint now due to Carringtons consistent delays and failure to act in a timely and lawful manner.

Thank you for assisting in resolving this issue. I am requesting that Carrington Mortgage Services comply with Texas law and stop withholding funds I am not legally required to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
There are XXXX loans in question. XXXX of the loans originated allegedly at schools I was not attending at the time they were dispersed. The XXXX loan was disputed more than a decade ago. The servicer was unable to validate the date. The review period passed and the servicer is still trying to collect payments. Ignoring the FDCPA. 

. I requested that the debt be validated for XXXX loans : Original Credit Agreement : A copy of the signed agreement between the original creditor and the debtor, including the terms of repayment.

Account Statements : Copies of all statements from the account 's inception until it was charged off, showing all charges, payments, and interest.

Documentation of Debt Transfer : If the debt was sold or assigned, documentation proving the transfer of ownership, such as assignment agreements or sales agreements, must be provided.

Debt Accounting : A detailed breakdown of the debt 's total amount, including principal, interest, fees, and other charges.

Debt Validation Letter : A formal letter from the debt collector requesting validation of the debt and providing the necessary documentation.

Original Creditor Information : The name and address of the original creditor, if different from the current collector. 
Payment History : Documentation of any payments made after the account became delinquent. 
Chain of Ownership : Documentation proving the chain of ownership if the debt has been transferred multiple times. 
These documents collectively demonstrate that the debt is valid, the amount owed is accurate, and the current debt collector has the right to pursue it.

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 2025-05-14 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-14 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief