vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXXXXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/year> account number unavailable Collection account opened at XXXX XXXX on account number XXXXXXXX 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 Collection account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under XXXX USC XXXX ( b ) and XXXX USC XXXX, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: GA

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 XXXX of the Fair Credit Reporting Act.

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: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX * * * * * * * * * - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX RE : Dispute of Debt Request for Validation under XXXX USC XXXX To Whom It May Concern : I am writing in response to a entry on my credit report received on XX/XX/XXXX regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX  ), XXXX U.S.C. XXXX, I am formally requesting that you provide validation of the alleged debt. 

Please provide the following information : XXXX. The name of the original creditor ; XXXX. The amount of the alleged debt, including any interest, fees, or charges ; XXXX. A copy of any judgment, if applicable ; XXXX. Verification that you are authorized to collect debts in my state ; XXXX. A copy of the original agreement or other documents that prove I am legally obligated to pay this debt. 


Be advised that during the investigation and validation of this debt, you must cease all collection activities, including reporting this debt to any credit reporting agencies. 

If you can not provide this information, you are required by law to stop collection efforts and remove any negative information you may have reported about this debt. 

Sincerely, XXXX XXXX

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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a fraudulent account in my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX 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 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: NY

Complaint narrative:
I have a fraudulent account in my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: MO

Complaint narrative:
I have contacted my mortgage company, LoanCare, over 10 times since I have reached an 80 % loan to value ratio on my mortgage. LoanCare responded with a letter stating that I need an appraisal to get PMI removed. I decided to wait until I reached 78 % LTV to pursue the matter further, as the Homeowners Protection Act of XXXX requires automatic cancellation at this point, and LoanCares website says the same. Since XXXX of XXXX when my loan reached below 78 % RTV, I have called 4 times on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX and LoanCare has simply sent me the same letter saying I need an appraisal. They have not been able to provide me with the legal basis for needing an appraisal to get PMI removed. I have asked for the documents stating I need an appraisal and have been sent the term of my mortgage, which reiterated the homeowners protection act of XXXX stating automatic cancellation after 78 % LTV. I sent an electronic letter on XX/XX/XXXX asking for cancelation and a refund for PMI I have been wrongfully paying. LoanCare sent me the same generic letter asking for an appraisal on XX/XX/XXXX. At this point, I have reached 76.7 % XXXX and still do not understand where the law says that I need an appraisal to get PMI removed when I have never missed a payment. I should not be punished for paying ahead of my amortization schedule.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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 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: VA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding inaccurate and invalid information being reported on my credit file. I am writing to reiterate that the following items remain falsely reported and unverified on my credit report, despite my prior request for correction under the Fair Credit Reporting Act ( FCRA ).

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: 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: VA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding inaccurate and invalid information being reported on my credit file. I am writing to reiterate that the following items remain falsely reported and unverified on my credit report, despite my prior request for correction under the Fair Credit Reporting Act ( FCRA ).

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I do not recognize XXXX XXXX as a creditor. I do not have a contract with XXXX XXXX. XXXX XXXX had admitted to being a servicer and not a creditor and by law the definition of a servicer is someone who mediated contracts after they have been fulfilled. 
XXXX XXXX has used my personal information without my consent and I demand that this information be removed by law. 
XXXX XXXX violates consumer laws as well as the Privacy Act of 1974. XXXX removal of account is demanded. 
I do not have an online account with Aid Vantage and I REVOKE ANY ASSUMED POWER OF ATTORNEY over my person in connection with any alleged debt. 
There is no valid contract between XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Any transfer of assignment without agreement, consideration, value, meeting of the minds is hereby rendered Null and Void and without supported proof through a signed affidavit under penalty and perjury is violation of consumer rights

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I do not recognize XXXX XXXX as a creditor. I do not have a contract with XXXX XXXX. XXXX XXXX had admitted to being a servicer and not a creditor and by law the definition of a servicer is someone who mediated contracts after they have been fulfilled. 
XXXX XXXX has used my personal information without my consent and I demand that this information be removed by law. 
XXXX XXXX violates consumer laws as well as the Privacy Act of 1974. XXXX removal of account is demanded. 
I do not have an online account with Aid Vantage and I REVOKE ANY ASSUMED POWER OF ATTORNEY over my person in connection with any alleged debt. 
There is no valid contract between XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Any transfer of assignment without agreement, consideration, value, meeting of the minds is hereby rendered Null and Void and without supported proof through a signed affidavit under penalty and perjury is violation of consumer rights

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: NC

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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXXXXXX XXXX XXXX XXXX, which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac bought my loan shortly after I bought my house. I did an appraisal on the house late last year to remove mortgage insurance and insurance removal from escrow. Unfortunately I have been deducted monthly for those expenses, but when it comes to paying my insurances on time it does not happen. I have proof that I have to pay it every year and then get reimbursed. This year is no different and I am tired of the stress and the extra financial stress at this time. An example this year is with my flood insurance that renews on XX/XX/25, bill was sent to mortgage company in XXXX and they chose to send payment in XX/XX/25. Yesterday, I got a notice from my insurance company of cancellation if flood proof is not submitted by XX/XX/25. So, I called my flood insurance which they state they still have not received the payment and can not provide proof of renewal at this time. I called the mortgage company and was told it can take up to 30 days from the date it was paid. So, once again I have to pay so I can make sure my insurance will not get cancelled. Every year I have the same issue, I need my insurances to be removed from escrow. This is not right, or fair to me or my family. Florida has a big problem with insurance now, and I can not be taking risks.

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: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with explanation