vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I discovered the account on my credit report and disputed it on XX/XX/XXXX. Just over a week later, Cavalry Portfolio Services denied my dispute. No information or verification was requested from me. I strongly felt that Cavalry did not properly investigate my dispute. 

After speaking with Cavalry in XX/XX/XXXX and requesting proof of the debt, the original XXXX XXXX XXXX, and proof of the dispute investigation and specific findings, I was given none of the above. This further fuelled my suspicions that they had no intentions of doing lawful business, but instead are looking to pressure consumers into settling debts that do not belong to them. 

Shortly after that conversation Cavalry filed a lawsuit against me for that debt. This was an obvious and egregious last resort to attempt to extort me for a debt that does not belong to me. They made no efforts whatsoever to investigate the debt, nor to resolve it with my expressed cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-14 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of the student loan information reported on my credit file due to a potential violation of my privacy rights under FERPA. My personal and financial information may have been compromised during a recent data breach, and I am concerned that this compromise invalidates my consent to report or service the loan. As a result, I request that this loan account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I am a victim of identity theft. A fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurately on my credit reports through XXXXXXXX XXXX Equifax. I do not recognize this account, and I never applied for or authorized any account with XXXX 

This account first appeared on my credit report several years ago. I disputed it multiple times with all three credit bureaus. At one point, the account was removed from my credit report. However, around XX/XX/year>, XXXX reinserted the account without proper notice as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). Equifax also began reporting the same fraudulent account again. 

Worse, XXXX is currently reporting this same account twice one version shows it as paid and never late, while the other version lists it as charged off with multiple late payments. This contradiction clearly shows errors in their reporting system and demonstrates negligent data handling. 

As a result of these inaccurate entries, I have been denied credit, including loans and financing opportunities. I suffered emotional distress, time lost disputing this repeatedly, and continued credit harm. I even had to go to court when XXXX XXXX. sued me over this account in XXXX XXXX XXXX. I successfully defended myself and proved that the account was fraudulent and not mine. 

Despite providing that court documentation, CFPB Disputes FTC Identity Theft Reports, and other supporting materials, XXXX and Equifax continue to report this inaccurate information, violating the FCRAs requirements for accurate reporting and reasonable investigations. 

Actions Ive Taken : Filed disputes with XXXX and Equifax numerous times. 

Sent certified letters and provided FTC reports. 

Submitted supporting documentation, including court case results. 

Notified both credit bureaus of their errors. 

Filed a civil complaint in XXXX XXXX Court. 

Initiated arbitration through XXXX under FCRA statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX I sent Capital One Bank a letter requesting adequate assurance of an previous account. Capital One Bank replied on XXXX with a letter which will be attached with this complaint, requesting a copy of my credit report and various other unrelated documentation not related to my request. I XXXX XXXX requested Under UCC2-609 that the Lender has performed according to the loan agreement and the original lender used their own money to purchase the Borrowers agreement, note, as money or like money to fund the transaction, check, credit, or similar instrument by the alleged lender ( XXXX XXXX XXXX XXXX XXXXhenn lent the borrower-which would have an economic effect similar to stealing, counterfiting and swindling -and that the lender has followed the federal laws 12 USC sec 1831n ( a ) ( 2 ) ( A ) and or 12 cfr 741.6 ( b ) regarding Generally Accepted Accounting Principles and Generally Accepted Audited Standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tenant Data Services Inc
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the XXXX XXXX ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am writing to formally request a immediate deletion of inaccuracies on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. 

Account Information for Deletion : XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX. XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I am writing to formally request a immediate deletion of inaccuracies on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. 

Account Information for Deletion : XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX. XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XX/XX/year>2025 : PHH Mortgage sent us an updated Escrow Assessment, which more than doubled our Property Tax information without justification. Also stated that we have a negative accrual in the Escrow Account, which is inaccurate. This increase is 25 % of our current mortgage, effective as of XX/XX/year>2025. 

XX/XX/year>2025 : The owners ( my husband and I ) requested PHH Mortgage justify the increase and provide the information they used for the escrow assessment. They stated they did not have it handy and would submit an inquiry. We have yet to receive anything justifying the increase. 

XX/XX/scrub>/2025 : The owners submitted a request to remove the property taxes from the escrow account, which was ultimately denied days later because the taxes were due within 30 days of the request. 

XX/XX/year>2025 : The owners submitted a request to remove the property taxes from the escrow account, which was ultimately denied days later due to PHH Mortgage not having the tax information for the property on file ( so how did they provide a new property tax estimate on the XX/XX/scrub>/2025 assessment? ). 

XX/XX/scrub>/2025 : The Owners called PHH Mortgage to review with a customer service rep, which was then sent to their Escalation Department. Working with their Manager to review the information and to see how to update the information on our account and the justification of the increase. PHH Mortgage asked for our current tax bill and would take five business days to get the information back. 

XX/XX/year>2025 : After five business days, the owners called the manager again to request an update. The manager stated that nothing had progressed and asked us to resubmit our property tax bill and assessment value. 

XX/XX/scrub>/2025 : The official 25 % increase began on XX/XX/year>2025, requiring us to pay the new amount, which is not sustainable. 

XX/XX/scrub>/2025 : The Escalation department emailed the owners, stating that they received our email with our concerns and that we can contact the manager using his extension. There is no resolution yet. The owners resent the property tax bill ( total balance of {$0.00} ) and property assessment stating the address linking the tax PIN to our address/unit. 

XX/XX/year>2025 : The Escalation Department 's manager at PHH Mortgage sent a follow-up stating they would reach out when they received an update from their tax department. So far, there has been no word. 

XX/XX/scrub>/2025 : Owners can not sustain this mortgage, attempting to sell the house since XX/XX/scrub>/2025 to no longer have this issue and deal with this mortgage company. Submitting a complaint to Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : 1. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 2. XXXX XXXX XXXX XXXXo Bank, N.A., 2020 U.S. Dist. LEXIS XXXX ( XXXX XXXX  XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.3. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 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: IL

Complaint narrative:
Trafficking Block request to whom this may concern I am a victim of trafficking the information listed below, which appears on my credit report is a result of that XXXX XXXXXXXX XXXX XXXXXXXX. Please block this information from my credit report within XXXX business days, pursuant to section 605C of the fair Credit Reporting Act Please send me notification of the action taken. I appreciate 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
This debt collector is reporting an incorrect balance on my credit report. We agreed on a settlement amount and they are reporting the original balance from the original creditor the brought the debt from. They are refusing to address, acknowledge and correct the issue. I have sent them a letter stating this information and they haven't responded. I have also disputed this concern with the three bureaus. Despite my previous efforts to resolve this issue, this incorrect balance continues to be reported to the credit bureaus, negatively impacting my credit score and financial standing.This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported to credit bureaus.

Company response to consumer: Closed with explanation