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: 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: PA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts and Final Warning for Immediate Removal To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding TransUnion Consumer Solutions ' failure to remove clearly fraudulent accounts from my credit report. Despite submitting both a Police Report and an FTC Identity Theft Report ( FTC Report Number : XXXX ), TransUnion has irresponsibly marked the disputed accounts as " verified. '' The following accounts are fraudulent and the result of identity theft. They must be removed immediately : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX and XXXX Account # XXXX Per the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following sections : 15 U.S.C. 1681a ( 4 ) Ensures the accuracy and integrity of credit reporting.

15 U.S.C. 1681b ( 2 ) Limits access to credit reports to only those with permissible purposes.

15 U.S.C. 1681i Requires credit bureaus to conduct a reasonable investigation upon dispute.

15 U.S.C. 1681c-2 Mandates blocking of any data resulting from verified identity theft.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) & 609 ( a ) ( 2 ) Requires that you provide proof of verification, including physical evidence of an original signed contract to support these accounts.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: CA

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: UT

Complaint narrative:
I received a letter from Revco claiming I owe them XXXX. I called them up immediately to figure this out. I found out that this debt is owed by a XXXX year old man. In addition, they do not have my SS. The only thing I share in common with this person is my first and last name. As I investigated this further I realized that Revco purchased this debt from XXXX XXXX. This is literally the same complaint I filed against XXXX XXXX  for attacking me with this erroneous debt. I told Revco I do not owe them any money and the birth date and SS they have on file is not mine. I have NEVER had business with XXXX XXXX ( the institution they are excitedly trying to pin on me ). I emailed ( XXXX ) Revco on XX/XX/year> to give them all this information as I didn't realize this was the same bloody issue I already " thought '' I dealt with. They generously never responded to my email. However, on XX/XX/year>, I received a text from them claiming they are still trying to steal from me. I DO NOT want to interact with them at ALL. I have already explained and proven my case. I have Never lived in XXXX Ohio ( which is where this dude lives or at least lived when he opened this account ).

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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The Capital One XXXX XXXX was reported late and delinquent to the credit bureau in XX/XX/year> this information is incorrect and needs to be updated as paid never late I never received a billing statement or email notification at this time and by law and per the FCRA Before reporting a debt to a credit reporting agency, a debt collector must first attempt to contact you about the debt, either in person, by phone, or by sending a letter or electronic communication Within XXXX days of first contacting you, a debt collector must send a written notice ( validation notice ) I did not receive this before the debt was reported this is why Im making a complaint

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-08 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I am contacted 2-3 times a day every day besides sundays. just last month I was contacted 31 times and each time I told them to stop calling me 50 times and put me on the do not contact list. They continue to keep calling me even after I block them but from a different number. This is getting frustrating and excessive.

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: CA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

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

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 2025-04-08 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: CA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Experian, Transunion, and Equifax accounts were leaked in a data breach.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and saw that I have a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2025-04-08 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested a free credit report at free annual credit report from all 3 reporting agencies XXXX, XXXX  and transunion but they all refused to provide me with a credit report. I was told a report had been provided within the past 12 months. I have not requested a credit report for years. This agency continues to deny consumers with credit reports even after access has been made easier for consumers.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, the debt collection company Caine and Weiner placed a debt allegedly owed for XXXX XXXX XXXX XXXX. They called over 7 times in 7 days during XXXX XXXX which is the first Violation of the FDCPA. The calls stopped after XX/XX/XXXX. 
The debt was unchanged until XX/XX/XXXX. Caine and Weiner increased the debt amount owed {$160.00} to {$2100.00} from {$1900.00}. 
On XX/XX/XXXX, I received a call from a Caine and Weiner representative and asked why the debt was changed. I was informed the original debt owner " XXXX  '' adjusted the amount owed with no further information provided after repeated attempts for clarification ( second violation of the FCDPA ). I then proceeded to ask who actually owns the debt it is Caine and Weiner who are collecting it, they own it now as my understanding, the representative stated that XXXX owned it, ( which is the third violation of the FCDPA ). Prior to ending the call, I informed them all future communication was to go through my attorney.

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am trying to save my home from foreclosure. I have had multiple loan modification documents but my exhusband is refusing to sign any of them or even a quit claim deed. I placed the home in forebearance in XXXX and have been trying to get off of it since XXXX and have had mulitple loan modifcations but the lender will not accept unless he signs. He has been out of the home since XXXX and has not returned but is holding up the process so i can move forward with the loan modifcation. is there any way you can help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AK

Complaint narrative:
XXXX sold my fathers debt to a collection agency under my name and SSN. The account was originally mine but I removed myself from the account in XXXX of XXXX, two years prior to the debt that was sold. My father assumed control over the account in XXXX of XXXX. In XXXX of XXXX XXXX sold my fathers debt to AmSher Collection agency under my information. I discovered this XX/XX/XXXX through XXXX XXXX as I received zero communication from XXXX or AmSher in regards to this matter. Only person who received information in regards to the debt was my father as it was his account not mine. XX/XX/XXXX I contacted XXXX to resolve the matter and was informed I would receive a call from the verification team by end of day. They never called. On XX/XX/XXXX I also called AmSher Collection who repeatedly refused to send me a verification letter. They claimed they sent both email and letter via mail back in XXXX of XXXX. The email and address on file was my fathers not mine. When I pointed out that the debt owed and information they have on file is my fathers not mine they told me the only way to resolve the matter is for me to pay the debt. They refused to transfer ownership over to my dad who was also part of the call and confirmed the debt was his not mine. When I pointed out that they are required to send verification letter upon request and failed to notify me but only notified my father they transferred me to a supervisor who told me to fill out a form online requesting the verification letter. They also informed me that I needed to speak to XXXX in regards to the debt being my fathers not mine. On XX/XX/XXXX I spoke with two XXXX representatives who both refused to send me documentation that showed I removed myself from the account so that I may dispute the debt. I was told by XXXX that even thought I removed myself from the account in XXXX I am still financially responsible for any bills that occurred after under my fathers ownership of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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