vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: CT

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  Account number ( s ) related to this issue : XXXX * * Date this problem started : XX/XX/year> There is an account on my credit report from a company called XXXX, account number XXXX * *. 

This account is wrong and I do not owe this debt. 

I have contacted the company that is reporting this account and asked them to provide proof that I owe this money and that the account is valid. They have not been able to give me this proof. 

Because the company reporting this debt can not show that it is mine, it should not be on my credit report. Reporting information that is not accurate or can not be proven is unfair and harms my credit. 

I have sent previous requests to the credit reporting company to investigate and remove this account because it is inaccurate, but it is still on my report. 


I have previously disputed this account with the credit reporting company, Experian, stating that the account is inaccurate and can not be verified. 

I have also contacted XXXX and requested proof of the debt, but they have not provided it. 

I want the credit reporting company Experian to remove the XXXX  account ( account number XXXX * * ) from my credit report immediately because it is inaccurate and can not be verified as my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because Equifax continues to report a collection account from XXXX XXXX XXXX XXXX XXXX Account No. XXXX despite clear violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and UDAAP provisions. 

I previously submitted a formal dispute to Equifax. However, the account was marked as verified without providing any legally valid supporting documentation. Equifax relied on an automated system ( presumably e-OSCAR ) without conducting a meaningful or manual reinvestigation, violating 15 U.S.C. 1681i ( a ). I was not provided with the method of verification nor access to documentation under 1681i ( a ) ( 7 ). 

Additionally, the collection agency XXXX XXXX XXXX responded to the dispute in writing and admitted the following : They are a third-party collector only. 

They did not originate the charges. 

They do not have a signed contract. 

They can not provide the address of the original creditor. 

The contract is private and not available to the consumer. 

No payments or adjustments have been made on the account since XXXX. 

This is a direct admission that the account can not be legally verified or validated. Despite this, the item continues to be reported by Equifax. This violates : FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), 1681c ( a ), 1681b FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ) UDAAP standards against deceptive and abusive practices.

Equifaxs actions have resulted in damage to my creditworthiness and access to financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Marlette Funding, LLC
State: CO

Complaint narrative:
Some time ago, my social security card was stolen. Lawyers from XXXX XXXX  contacted me to demand payment of the aforementioned debt, but I refused because my identity had possibly been stolen. Now, I'm being sued by XXXX XXXX over a credit card debt. But they provided the court with a name that isn't mine. Although credit companies are required by law ( Fair Credit Reporting Act, 15U.S.C 1681 ) to have in their account records and statements the correct legal name of the account holder. In addition, the Fair and Accurate Credit Transactions Act reaffirms the accuracy of the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX  - Balance : {$2500.00} - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9300.00} - Account # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} - Account # : XXXX XXXX XXXX Balance : {$6000.00} - Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXXXXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-04-19 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: CO

Complaint narrative:
Some time ago, my social security card was stolen. Lawyers from XXXX XXXX  contacted me to demand payment of the aforementioned debt, but I refused because my identity had possibly been stolen. Now, I'm being sued by XXXX XXXX over a credit card debt. But they provided the court with a name that isn't mine. Although credit companies are required by law ( Fair Credit Reporting Act, 15U.S.C 1681 ) to have in their account records and statements the correct legal name of the account holder. In addition, the Fair and Accurate Credit Transactions Act reaffirms the accuracy of the records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid my credit card in full. I received an email saying that my payment was on hold for one week but I could connect my bank account to the credit card or call to confirm the payment to get the funds released earlier. I called and they will not release my funds. I checked my bank account and they already deducted the amount from my bank account but will not release my funds and I have payments that come out of this credit card. I asked why they bother sending me the email if they cant help me and they said the email doesnt guarantee anything. I said the email doesnt say anything like that other than I had two choices to link my bank account or call and then the funds would be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XX/XX/year>, and the case was dismissed on XX/XX/year> by the U.S. Bankruptcy Court, Michigan XXXX XXXX. However, the bankruptcy remains listed on my credit report, despite the dismissal. 

Case Reference Number : XXXX Original Filing Date : XX/XX/year> Dismissal Date : XX/XX/year> Court : U.S. Bankruptcy Court, Michigan, XXXX XXXX Bankruptcy Type : XXXX  XXXX Dismissed I have been informed that the U.S. Bankruptcy Court does not directly release information to the credit bureaus. Therefore, I believe this listing was incorrectly placed by the credit bureaus without proper verification or authorization. This inaccuracy is negatively impacting my credit score and overall financial well-being. 

I request the immediate removal of this dismissed bankruptcy from my credit report, as it is no longer relevant or accurate. According to 15 U.S.C. 1681e ( b ) under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to maintain accurate information on my credit report, and I believe this error violates that obligation. 

Despite contacting the credit reporting agencies directly, the bankruptcy is still reported inaccurately. I respectfully ask that the CFPB assist me in ensuring this erroneous information is removed from my credit file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX  Date XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX  Date XXXXXXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We were in a forbearance with ( XXXX XXXX  ) told to make three trial payments. XXXX, XXXX, XXXX. We made all payments on time. Then our loan was sold to Mr. Cooper. They informed us that we were eligible for a loan modification. Which will permanently changed the terms of your mortgage, if you comply with the terms of the required trial period plan. To our understanding the were month to month. We made two payments XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  the first was for XXXX and the second payment was for XXXX. But we were told that one of the XXXX applied for XXXX. I ask them why are you applying my payment that I am making for XXXX for XXXX. She told us that even though we were in forbearance in XXXX we still owed that money. To my understanding it was being applied to the back of the loan. Nevertheless she told us we were behind on our payment for XXXX. From the trial payments up to XXXX the total would be five payments. We have documentation for all the payments. And to our understanding we are making future payments. We were told that XX/XX/XXXX was applied to XXXX. We were also told that if you make two payments in one month the one of the payments would be principal and interest account, along with that we were told that one of our payments were reversed. We stared receiving phone calls and text messages and emails saying that we are pass due for XXXX. And when they would call we would be on hold for 5 to 10 mins before someone comes to the phone and we are at work while receiving these calls and text messages. Mr Cooper has their system set up for consumers to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$6800.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXXXXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
XXXXThis is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or  authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief