vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX ( Account number completely obfuscated in the 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 non-monetary relief
Consumer complaint received 2025-07-21 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: HI

Complaint narrative:
I am formally disputing inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurately reporting delinquency dates, terms, and payment status. Specifically : The account is listed as paid and closed as of XX/XX/year>, yet shows delinquency months after closure. 

The payment history reflects conflicting delinquency entries across bureaus ( 30, 60, and 90-day lates in various months ), and an inaccurate term duration of 120 months despite a {$1000.00} loan paid in less than 18 months.

This is misleading and materially affects my creditworthiness. 

Under FCRA 602 ( A ) and 611, I request an immediate investigation into this account and removal of the entire tradeline if the data can not be verified with 100 % accuracy. 

Please provide written confirmation of your findings and actions within the 30-day investigation window.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Until you provide this validation, you must cease all collection activities and stop reporting this debt to the credit bureaus. If this debt is inaccurate, invalid, or beyond the statute of limitations, please remove it from all credit reporting. 

I also reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action if my rights under the FDCPA and FCRA are violated. 

I was not notified that this account would be sold or assigned, and I do not acknowledge this debt as valid at this time. Pursuant to the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I request that you provide me with written validation of the debt, including : The name and address of the original creditor A copy of the signed agreement or evidence I incurred this debt A full accounting of the amount claimed Documentation showing your authority to collect on this account Until you provide this validation, you must cease all collection activities and stop reporting this debt to the credit bureaus. 

If you can not validate the debt, I demand you remove any reference to it from my credit report and cease all contact with me regarding this matter. 


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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I do not know what this is but the debt collector is XXXX XXXX XXXX for the alleged amount {$1400.00} and the account number XXXX. This was also put on my bureau without mu authorization and my knowledge. I am just now seeing it on my bureau when i pulled my credit score.

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 2025-07-21 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: OH

Complaint narrative:
CEASE AND DESIST LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX P.O. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Alleged Debt of {$2300.00} To Whom It May Concern : I am formally notifying you that I dispute the validity of the alleged debt referenced above, and I demand that you cease and desist all further communication with me in relation to this debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Furthermore, if you continue to report this alleged debt to any credit bureau without proper validation, you are in violation of 15 U.S.C. 1692e ( 8 ), which prohibits furnishing false credit information.

Under Ohio law, continued attempts to collect this disputed, unverified debt without providing original documentation constitutes an unfair and deceptive practice in violation of Ohio Consumer Sales Practices Act ( CSPA ), ORC 1345.02.

I hereby demand : 1. Immediate cessation of all phone calls, letters, or any form of communication ; 2. No further reporting of this account to any credit bureau unless full legal validation is provided ; 3. Full documentation verifying the original debt, including contract and chain of assignment.

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and consideration of legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im asking Midland credit management inc, XXXX XXXXXXXX XXXX XXXX XXXX to delete any information which is inaccurate or incomplete so it doesn't get reported in my report! It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report, The information in my credit report is wrong! It was never proven to be factual.The following account allegations are untrue, unverified and incorrect. Please remove them immediately! 

Below is a summary of the data in which I am challenging : XXXX XXXX {$650.00} Midland Credit Management {$730.00} I have already sent letters over and over, Im going to upload all the proof below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MA

Complaint narrative:
A XXXX XXXX XXXX credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by XXXX XXXX and XXXX XXXX in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : XXXX  XXXX ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC Identity Theft Report ( attached ) XXXX. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX XXXX XXXX account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last XXXX XXXX of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

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 2025-07-21 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: MA

Complaint narrative:
A XXXX XXXX XXXX credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by XXXX XXXX and XXXX XXXX in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : XXXX  XXXX ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC Identity Theft Report ( attached ) XXXX. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX XXXX XXXX account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last XXXX XXXX of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MA

Complaint narrative:
A XXXX XXXX XXXX credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by XXXX XXXX and XXXX XXXX in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : XXXX  XXXX ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC Identity Theft Report ( attached ) XXXX. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX XXXX XXXX account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last XXXX XXXX of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

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 2025-07-21 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
Your Name [ Your Address ] [ City, State ZIP Code ] [ Phone Number ( optional ) ] [ Email Address ( optional ) ] Date Debt Collectors Name [ Debt Collection Agency ] [ Agency Address ] [ City, State ZIP Code ] Subject : Debt Validation Request under FDCPA To Whom It May Concern, I am writing in response to a notice I received from your agency regarding an alleged debt ( reference/account number : [ Insert Account Number if known ] ), which you claim I owe. I am formally requesting that you provide proper validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge that I owe this debt. Therefore, please provide me with the following : The name and address of the original creditor. The full amount of the alleged debt, including itemization of any interest, fees, or charges. A copy of the original signed agreement or contract showing that I am legally obligated. Evidence that your agency is authorized to collect this debt. A copy of the judgment ( if any ) or verification that this debt is not time-barred under the statute of limitations. Confirmation of whether this alleged debt has been reported to any credit reporting agencies. If so, to which agencies. Please be advised that, according to federal law, you must cease all collection activities until this debt has been validated. Additionally, if you do not respond within 30 days, or fail to provide adequate validation, you must cease further attempts to collect and remove any negative reporting related to this debt from my credit reports. This letter is sent in good faith and with the expectation that you will comply fully with federal law. I request that all future communication be in writing only. Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Since XXXX, I have been in ongoing dispute with Mr. Cooper ( formerly Nationstar Mortgage LLC ) regarding my mortgage on the property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My loan was originally accelerated in XX/XX/XXXX, and that acceleration has never been rescinded. Despite this, Mr. Cooper has repeatedly issued foreclosure notices over the years, including sale notices for XXXX, XXXX ( which resulted in an erroneous sale later rescinded ), and most recently in XXXX and XXXX. 

In violation of RESPA and CFPB loss mitigation rules, Mr. Cooper has refused to conduct a delegated review of my loan modification applications. I submitted complete applications and included all required financial documentation, yet the denials were sent based on alleged investor limitations without reviewing all my income or explaining their decisions clearly. Each denial cites boilerplate language, and I received no phone calls or meaningful engagement despite their obligations.

Additionally, Mr. Cooper failed to abandon the acceleration or file a rescission notice, making the debt time-barred under Texas Civil Practice & Remedies Code 16.035 ( 4-year limit ). Their continued attempts to foreclose are unlawful, and I have filed a Quiet Title and Emergency TRO petition in XXXX XXXX to protect my home. 

This servicer 's actions have caused significant financial and emotional hardship for nearly 10 years, including loss of income, health issues from stress, and damage to my credit and family stability. I am requesting a full investigation into : RESPA violations ( failure to engage and review ) Improper dual tracking Time-barred foreclosure practices Denial of due process in modification review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a )

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