vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MD

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

"

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: HI

Complaint narrative:
Over the course of the past 10 months the mortgage company had changed the ESCROW payment without alerting the consumer via mail, email, nor phone of the increase. Several phone calls by lender were made, however, when answered by consumer, a machine recording provided a phone number to call from the mortgage company. When the number was called, the consumer was peddled additional unsolicited products rather than discussing issue after countless time on " hold ''. 
Mortgage was paid on time every month at previous rate during time in question, however, the difference was reported to the credit bureaus monthly as a " failure '' to pay entire payment. Once made aware by credit monitoring bureau, entire amount was paid in full immediately by consumer, and report to company credit dept was disputed in certified letter.

Mortgage company wrote back with reply " We completed our investigation and determined our previously reported information is accurate ''. This has wrongfully damaged my credit and I wish it corrected. The company changed the monthly payment without sufficiently alerting the consumer. LOANCARE 's poor business practices and further more wildly inadequate/false attempts to " alert '' the consumer there was a discrepancy are at fault. Customer in question is a veteran with several properties, with stellar credit and a spotless history of paying lenders on time and correctly.

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 2025-04-22 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 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 2025-04-22 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:
In this case, my SSN was used by various institutions to create financial accounts and instruments including possible securitization transactions or bundled portfolios from which the institutions themselves benefited. Despite the closing of such accounts, I, the consumer, was never provided any form of compensation, insurance, or benefit as is required under fair use and contract principles. This represents not only a violation of my consumer rights, but also a deceptive act under 15 U.S.C. 1692e, which prohibits any false, misleading, or deceptive means in the collection or reporting of information. By exploiting my personal identifying information for institutional gain without my informed consent, these entities committed fraud and identity theft. I am therefore demanding the permanent deletion of any such items from my consumer report and full accountability from the involved parties, including verification of how my SSN was used and whether securities or financial instruments were created from my information without proper disclosure.

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 2025-04-22 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: MD

Complaint narrative:
This letter constitutes my final demand regarding the unauthorized and inaccurate account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report. As I have stated in previous communications, this account does not belong to me and must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Was set up on autopay with BSI financial services. The auto pay was set up on my account. It showed as paid on the website. It has been rejected by my bank. BSI failed to notify me that the autopayment did not go through via email, US Mail or phone call. As a result, I was 30 days late on the payment even though their website showed autopay compelte on XXXX date. 

I called and BSI said the payment was late and therefore would be reported to credit. I asked for copies of any communications they sent that the payment was late. They said they would not provide that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
The accounts listed do not belong to me. And after disputing with XXXX they have done their investigation and have removed these accounts. I would like for the credit bureaus to follow suit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-04-22 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: DE

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: DE

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-22 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: KY

Complaint narrative:
I'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: KS

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Issue : Inaccurate and retaliatory credit reporting by XXXX XXXX I am submitting this complaint because XXXX XXXX has reported my XX/XX/year> automotive loan status as Payment after Repossession, which is both inaccurate and damaging to my credit report. 

This entry was made almost a year after the factdespite the account showing as Current for nearly 12 monthsand only after I submitted a goodwill letter requesting the removal of late payments. Immediately following that request, this negative remark appeared. 

The repossession in question lasted less than 12 hours. I reinstated the loan and retrieved my vehicle the very next day. It was not a completed repossession, and I have maintained my payments since then. The car is now nearly paid off, with only three payments remaining.

This correction is clearly retaliatory and misleading, as it misrepresents the nature of the event and the resolution. It also contradicts the Fair Credit Reporting Acts requirement that information be accurate and fair. 

I am requesting the removal or correction of this reporting and ask that the CFPB investigate this issue to ensure this account is being reported accurately and lawfully.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: GA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding a collection account being reported and pursued by Account Resolution Corporation concerning an alleged debt with XXXX XXXX XXXX XXXX. 
I dispute the validity of this debt in its entirety. Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I hereby request that Account Resolution Corporation provide the full debt validation, including : The complete itemization of the alleged debt. 


A copy of the purchase or assignment agreement between Account Resolution Corporation and XXXX XXXX XXXX XXXX to verify their legal authority to collect this alleged debt. 


Proof of licensing and bonding for Account Resolution Corporation to operate as a collection agency in my state of residence. 


Furthermore, under 12 CFR 1006.34 ( d ), I am invoking my right to revoke all forms of communication via phone calls, texts, emails, or any electronic messaging. Future communications must be conducted strictly via USPS certified mail only.

Additionally, under 15 U.S. Code 1681s2 ( a ) ( 7 ), you are required to mark this account as disputed with all credit reporting agencies to whom you have reported it. Failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Account Resolution Corporation is currently in violation of my consumer rights by using false, misleading, and deceptive means to attempt to collect on an unvalidated debtthis is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). These actions include but are not limited to : Reporting unverifiable debt.

Continuing communication without proper validation.

Misrepresenting their authority and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Late payments reported to credit reporting agencies in error. XXXX Late payments applied in error. 
Repayment account plan setup in error. No notification provided. 
XXXX employee made erroneous changes to my account when updating the mortgage payment amount in 2023. XXXX attempted to coverup the error leading to a cascade of other errors. 
XXXX failed to investigate the errors.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NerdWallet, Inc.
State: MA

Complaint narrative:
We'll keep doing this until the company stops lying and trying to XXXX us all. They did NOT send the email they claimed to, and still have not provided the mentioned form to delete my data. This company is a bunch if immature, lying thieves, planning on the cfpb just closing complaints. They lied to the XXXX, and they're lying here. I have since emailed them 3 times and they have not responded. There was no abuse, this company is a just made up of a bunch of self interested, entitled children

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I disputed information that appeared to be inaccurate on my credit report. The resolution came back fast saying that the debt was verified. I strongly believe that there was no legitimate investigation into these matters. Im aware section 609 requires you to have contract bearing my signature verifying that XXXX the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. Account XXXX XXXX XXXX ( XXXX $ ), XXXX XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$420.00} ), XXXXXXXX XXXX XXXX XXXX ( has been settled but is still showing negative on credit XXXX XXXX debt ( account # XXXX showing on report that I have no knowledge of ) XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. I do not have a contract nor did I authorize these companies to obtain my information. My rights were violated under FDCPA. The credit bureaus failed to do a thorough investigation into these matters. Please delete from credit report or provide proof showing these are in fact accounts that belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I disputed information that appeared to be inaccurate on my credit report. The resolution came back fast saying that the debt was verified. I strongly believe that there was no legitimate investigation into these matters. Im aware section 609 requires you to have contract bearing my signature verifying that XXXX the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. Account XXXX XXXX XXXX ( XXXX $ ), XXXX XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$420.00} ), XXXXXXXX XXXX XXXX XXXX ( has been settled but is still showing negative on credit XXXX XXXX debt ( account # XXXX showing on report that I have no knowledge of ) XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. I do not have a contract nor did I authorize these companies to obtain my information. My rights were violated under FDCPA. The credit bureaus failed to do a thorough investigation into these matters. Please delete from credit report or provide proof showing these are in fact accounts that belong to me

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and debt validation request regarding an account reported by Spring Oak Capital, which currently appears on my credit report. Spring Oak Capital has failed to provide a full business address, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and is a barrier to transparent consumer communication.

I am requesting the full validation of this debt under my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : A complete copy of the original contract or agreement containing my wet ink signature ( not a digital copy or electronic agreement ) ; A full, itemized payment history on the account, showing all debits, credits, interest, and fees applied. 

The full chain of title for this account, including all prior and current owners of the debt, with documentation of transfers. 

The assignment contract that proves Spring Oak Capital has legal standing to collect on this debt. 

A statement confirming whether any insurance claim was filed, paid, or settled in relation to this account ; The name, address, and contact details of the original creditor ; The complete mailing address of Spring Oak Capital for formal dispute and legal correspondence. 

Reporting this account to credit bureaus without verifying legal ownership, standing, and the debtors signature is a willful violation of federal law. Until full validation is provided, you must cease all collection activity and remove the item from all credit reporting agencies. 

Please note : This complaint is filed through the Consumer Financial Protection Bureau ( CFPB ). If this matter is unresolved, I reserve the right to escalate to the Federal Trade Commission ( FTC ) and my state Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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, Engelhardt V. Gravens ( 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