vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: HI

Complaint narrative:
On the night of XX/XX/year>, I seen a new credit card was added to my account which was very unusual. I never opened one. I submitted a Dispute with both Equifax and TransUnion on XXXX XXXX. They both Denied my dispute on XX/XX/year>. I made a police report XX/XX/year> and have the report number. I contacted XXXX XXXX  XXXX  XXXX on XXXX XXXX the credit card was opened through. All they gave me was the account number. At this time they are still investigating.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Ref # XXXX ) and LVNV Funding LLC claim {$460.00} ( XXXX XXXX XXXX XXXX XXXX ) not mine. I disputed with LVNVthey failed to validate. XXXX emailed XXXXXXXX XXXX XXXX, with subject ( My NAME ), running out of time to work on your XXXX XXXX XXXX accountintimidating ( 15 U.S.C. 1692d ). They use my SSN ( security interest ) without a signed noteunverified, possibly securitized. FRNs ( 18 U.S.C. 8 ) I redeem ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting me ( 31 U.S.C. 5118 ). They violate 15 U.S.C. 1692gburdens theirs. CCPA ( 1798.145 ) bans unverified datathey harass, wont stop. Cease, delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 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 explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-04-08 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: MD

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 2025-04-08 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: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
Within the timeline and guidelines outlined to request PMI to be dropped I contacted CMG Mortgage with the request to begin the process to drop PMI. CMG Mortgage emailed me back and said I have to either request a BPO and/or Appraisal at my own expense to being the process. ( Even though they stated that their preliminary evaluation shows that I meet the criteria and value for my PMI to be dropped ). CMG Mortgage stated that I must send a written request via mail along with a money order in order to begin the process. I was not able to request this easily via email or pay for it with normal means such as credit/debit card online which is very inconvenient and time consuming for consumers. A realtor came and performed the BPO. I received an email from CMG Mortgage that the analysis on the BPO was short XXXX to drop the PMI and listed the comps chosen to make that determination. It was clear in the comp analysis that the realtor selected the oldest possible comp within the parameters at the lowest sale price in order to have the analysis below the LTV necessary for the PMI to be dropped. I have added a bedroom and converted a half bath to full since purchasing the home for which that info was provided to the realtor hired by CMG to do the BPO. I consulted with two local realtors and disputed CMG 's denial formally through the CMG process outlining the proper and more relevant/time based comps that support the drop of PMI and the LTV criteria necessary to drop my PMI. CMG Mortgage then within a matter of 24 hours denied my dispute and dismissed the supporting data that I provided. After consulting with two local real estate agents I am confident that CMG Mortgage intentionally denied my request to drop PMI for their financial benefit and at my cost of analysis. I find this to be deceptive and predatory practice and am requesting a formal investigation into this matter. It is not proper to treat consumers in a manner such as this and use subjective and obvious data pulls to deny requests for PMI drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 explanation
Consumer complaint received 2025-04-08 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Closed XXXX XXXX {$0.00} Charge Off XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX {$2100.00} XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$150.00} XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX {$2100.00} XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$7900.00} XXXX 'S XXXX XXXX {$1200.00} XXXX XXXX {$150.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$0.00} Collection XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$820.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ) XXXX {$2500.00} XXXX  ( Original Creditor : XXXX CHECK XXXX GO XXXX XXXX {$820.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX {$2900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Inquiries 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Closed XXXX XXXX {$0.00} Charge Off XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX {$2100.00} XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$150.00} XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX {$2100.00} XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$7900.00} XXXX 'S XXXX XXXX {$1200.00} XXXX XXXX {$150.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$0.00} Collection XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$820.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ) XXXX {$2500.00} XXXX  ( Original Creditor : XXXX CHECK XXXX GO XXXX XXXX {$820.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX {$2900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Inquiries 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 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 XXXXXX/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 2025-04-08 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: CA

Complaint narrative:
My original mortgage was with XXXX XXXX, they sold to XXXX mortgage which has been the worst company to deal with possible. I have never been late since XXXX and they have shown me late on my Credit reports for years even though they have only serviced my account for less than a year. They have ruined my credit and due to the breach of data, I want my credit cleaned. I have not been late on anything nor do I have these inquiries either.

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 2025-04-08 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: CA

Complaint narrative:
My original mortgage was with XXXX XXXX, they sold to XXXX mortgage which has been the worst company to deal with possible. I have never been late since XXXX and they have shown me late on my Credit reports for years even though they have only serviced my account for less than a year. They have ruined my credit and due to the breach of data, I want my credit cleaned. I have not been late on anything nor do I have these inquiries either.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My original mortgage was with XXXX XXXX, they sold to XXXX mortgage which has been the worst company to deal with possible. I have never been late since XXXX and they have shown me late on my Credit reports for years even though they have only serviced my account for less than a year. They have ruined my credit and due to the breach of data, I want my credit cleaned. I have not been late on anything nor do I have these inquiries either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Refuse to stop calling after demanding cease and desist. Ask for contract with their name on contract stating I owe them the money. Said no contract with me but can still collect since they bought the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I asked the reporting agency to please explain how they verified the accounts, including the name of the person they spoke with, the method used ( XXXX  form or automatic verification ), and whether they contacted the original creditor at the address/phone on my report. I also stated Under FCRA XXXX ( a ) ( XXXX ), you must provide this information within XXXX  days. Additionally, provide the exact date of delinquency pursuant to FCRA XXXX, and when the trade-lines will be removed. I have sent a notice every XXXX days with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I asked the reporting agency to please explain how they verified the accounts, including the name of the person they spoke with, the method used ( XXXX  form or automatic verification ), and whether they contacted the original creditor at the address/phone on my report. I also stated Under FCRA XXXX ( a ) ( XXXX ), you must provide this information within XXXX  days. Additionally, provide the exact date of delinquency pursuant to FCRA XXXX, and when the trade-lines will be removed. I have sent a notice every XXXX days with no resolution.

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 2025-04-08 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: AL

Complaint narrative:
Upon reviewing my most recent credit report, I identified unauthorized and fraudulent hard inquiries made by the following companies : XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX  Inquiry Date : XX/XX/year> XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize any of these entities to access or make inquiries on my credit report. Furthermore, I did not provide any credit bureau with permission to furnish or release my personal credit file to these companies. These inquiries were made without my consent and represent a clear violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( c ), which outlines permissible purposes for accessing a consumer credit file. 

I am formally demanding the following actions : Immediately delete the above unauthorized inquiries from my credit report. 

Validate and investigate each inquiry by providing documentation bearing my signature that authorized these credit checks. 

Produce a signed agreement or contract between myself and any credit bureau involved authorizing the release of my credit information to these companies. 

If you are unable to provide valid documentation within XXXX  days as required under FCRA Section XXXX, you are legally obligated to delete these inquiries from the credit file associated with my Social Security number. 

Failure to comply will result in me filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action for violation of federal consumer protection laws. 

I expect immediate attention to this matter and written confirmation once these inquiries have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA XXXX deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA XXXX, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with XXXX XXXX Code XXXX - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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