vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
Please see supporting Documentation pertaining to EQUIFAX DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
Im reaching out to make it absolutely clear that I need full transparency and certainty regarding the ownership of my account data. Please certifywithout exceptionthat every piece of data linked to this account belongs solely to me. This includes, but isnt limited to, any personal information, activity logs, communications, files, or any form of stored or associated content. This is important to me, and I need a direct, unequivocal confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am a victim ofXX/XX/XXXXThe information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 

Account Name : XX/XX/XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for its repeated failure to conduct a reasonable reinvestigation of disputed information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS Certified Mail ( tracking number XXXX ). In this letter, I disputed inaccurate personal information and erroneous account listings appearing on my credit report. To verify my identity and address, I included the following supporting documents : A copy of my government-issued photo identification ; A copy of my Social Security card ; and A recent utility bill reflecting my current address. 

Despite complying with all identity verification requirements, I received a letter from Experian dated XX/XX/XXXX, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This assertion is baseless. My dispute was sent directly by me and contained all necessary authentication documents. 
Following this, I mailed a second dispute letter on XX/XX/XXXX. However, on XX/XX/XXXX, I received the same erroneous response as before. In a final effort to resolve the issue, I sent a third dispute letter on XX/XX/XXXX. Once again, on XX/XX/XXXX, Experian issued the same non-substantive response, unjustifiably refusing to conduct an investigation. 
Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is obligated to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Experians repeated failure to investigate my disputes, along with its unfounded accusations regarding the authenticity of my submissions, constitutes a violation of my rights under the FCRA. 
I am attaching copies of my dispute letters, identity verification documents, and proof of mailing to substantiate my claims. 
Accordingly, I respectfully request that the Consumer Financial Protection Bureau take appropriate enforcement action to ensure Experians compliance with its statutory obligations. I further request that Experian be directed to properly investigate my disputes and to permanently correct or remove the inaccurate information from my credit file.

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : TransUnion XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
The account about XXXX XXXX was never mines nd it belonged to my significant other. It was returned by her when she filed bankruptcy nd I end up paying extra for the car and its still on my name

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 2025-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account about XXXX XXXX was never mines nd it belonged to my significant other. It was returned by her when she filed bankruptcy nd I end up paying extra for the car and its still on my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
I filed a complaint last year in regards to collections illegally being added to my credit files and inquiries that I did not authorize and still have not validated the debts. These alleged debts were never validated by the companies reporting the amounts, nor was the inquiries. I requested METHOD OF VERIFICATION FAILURE, REMOVE NEGATIVE ACCOUNTS- and they never provided proof they verifed the debts

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 2025-04-29 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: CO

Complaint narrative:
I filed a complaint last year in regards to collections illegally being added to my credit files and inquiries that I did not authorize and still have not validated the debts. These alleged debts were never validated by the companies reporting the amounts, nor was the inquiries. I requested METHOD OF VERIFICATION FAILURE, REMOVE NEGATIVE ACCOUNTS- and they never provided proof they verifed the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
XXXX XXXX and XXXX is suing me. 

The docket number at the magisterial XXXX judge in Pennsylvania XXXX XXXX is XXXX XXXX XXXX XXXX. 

These people are suing me for {$6900.00}. 

Id like to see proof that I owe this debt which includes a signature and a contract which will inform me of my duties rights and responsibilities as a consumer. 

Furthermore, should these XXXX barons obtain a judgment against me, it will be unenforceable. heres why : NOTICE OF UNENFORCEABLE JUDGMENT I am a recipient of Social Security XXXX XXXX ( SSDI ) benefits due to a permanent medical condition ( XXXX XXXX XXXX ). 

Under federal law, specifically 42 U.S.C. 407, my income is exempt from any form of garnishment, levy, or attachment. I possess no non-exempt assets, no real property, no employment income, and no attachable interests. 

In short, I am judgment proof as a matter of law, and will remain so indefinitely. 


It is astonishing that, despite clear financial realities and well-established legal protections, you proceeded with litigation absent even the most basic due diligence. Whether this was the product of negligence or a calculated gamble on ignorance is irrelevant ; the outcome is the same : a judgment of no value, obtained at needless expense, and a public testament to your firms lack of strategic competence. 


While I commend your enthusiasm in pursuing litigation, it is unfortunate that such zeal was not matched by even a cursory review of the relevant financial and legal facts. 

The result a judgment wholly devoid of value and achieved at considerable cost serves as an inadvertent but striking reflection of your firms strategic decision-making capabilities. 

Please be advised that any further attempts to collect on this unenforceable judgment, or to interfere with my federally protected income, will constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and may also trigger claims under state consumer protection statutes and XXXX rights laws. 

I will not hesitate to pursue every available remedy should any further improper actions be taken. 

You are hereby instructed to update your records accordingly and cease any further collection attempts. Should you elect to disregard this notice, you do so at your own considerable risk. 

This concludes all necessary communication on this matter. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I updated my payment to include add ' l principal of XXXX XXXX and change the due date from the XXXX of the month to the XXXX. I confirmed XXXX  payment would take effect XX/XX/XXXX XXXX. Carrington 's programming/policy is changing the payment effectively moves the autopay to XX/XX/XXXX. This cancels the XX/XX/XXXX payment, which I was unaware. Subsequently, Carrington reported the non payment to credit bureau per procedure and my wife 's credit score took a substantial reduction.

My intention was to only add add ' l payment to principal. I've had 52 consecutive payments up until this issue. I never wanted to cancel XXXX payment. My argument was Carrington 's programming of their website is the issue, they argue I should have been aware. 

They responded in writing on XX/XX/XXXX and we received in mail XX/XX/XXXX affirming their decision was correct and no further action would be taken. 

I called Carrington on XX/XX/XXXX and spoke directly to escalation supervisor. The supervisor was courteous and clear and still maintained Carrington 's position as correct. I plan to exhaust my resources to dispute Carrington 's position as this will stay of XXXXXXXX XXXX  credit score for 7 years. 

My intention was to give Carrington more money, and they punished me because of how they program payments and payment edits. 
Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MOHELA
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment and Reinsertion of Accounts Without Proper Notification Dear MOHELA Dispute Department, I am writing to formally dispute the reporting of a late payment for XX/XX/XXXX on the following accounts associated with my credit file : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have previously been reinserted into my credit report without proper notification, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This law clearly states that a furnisher or credit bureau must provide written notice within 5 business days of any reinsertion of previously deleted information. I did not receive any such notification, which infringes upon my rights as a consumer.

Furthermore, I have attempted to resolve this issue multiple times by contacting your office. However, the average wait time exceeds two hours, which has made it extremely difficult to exercise my right to dispute inaccurate or outdated information. I have made a good-faith effort to address this concern, yet I have received no resolution.

According to the FCRA 15 U.S. Code 1681c, negative information such as late payments are only allowed to remain on a consumers credit report for up to seven years from the date of delinquency. The XX/XX/XXXX late payment and associated accounts listed above now exceed or are approaching the reporting time limit and should be permanently removed from my credit report. They must not be reinserted again under any circumstances. 

In addition, the Metro 2 reporting format used for furnishing data to credit bureaus must be complete, consistent, and in compliance with FCRA and CDIA guidelines. I have identified inconsistencies in the payment history and reporting dates associated with these accounts, which further confirms that the information being reported is inaccurate and should be removed. Incomplete or inconsistent data violates the standard Metro 2 format and fails to meet the legal requirement under 15 U.S. Code 1681s-2 ( b ) that data furnishers must conduct proper investigations and report accurate information.

Given the legal grounds outlined above, I am requesting the immediate and permanent deletion of the XX/XX/XXXX late payment and all associated accounts listed from my credit file. I also request that you send written confirmation of this removal once completed. These inaccuracies are negatively affecting my credit profile and creating unnecessary barriers to rebuilding my financial standing. 


Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am the victim of identity theft, and I am submitting this complaint regarding fraudulent hard inquiries reported by Experian, Equifax, and TransUnion. 

I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX These were made without my consent, likely using my personal information by someone who knew me. When I contacted the bureaus, I was told I had to contact the banks directly. When I contacted the banks, I was told to go back to the bureaus. No one has provided me with any proof of authorization or consentnot even a recording, signature, or agreement.

I am now submitting this with a formal identity theft affidavit, and I am demanding that these unauthorized inquiries be removed from my credit report under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) for blocking fraudulent information due to identity theft FACTA Amendment which mandates that CRAs remove disputed items upon receiving proper identity theft documentation Please investigate and remove the above-listed inquiries immediately.

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 2025-04-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax XXXX: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following informationXXXX 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  .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of XXXX  as specified XXXX15 U.S.C 1692kXXXX Defamation of CharacterXXXXNegligent Enhancement of Identity FraudXXXXViolation of the Fair Credit Reporting ActXXXXViolation under 15 U.S. Code § 1681o - Civil liability for negligent non complianceXXXXViolation under 15 US Code 1681n (b) - Civil liability for willful non-complianceXXXXFailing to comply with 15 USC 1692XXXXViolation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verificationXXXXViolations under 15 USC 1681 a (4) right to privacyXXXXViolations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief