vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4600.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-05-06 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: NC

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : I did not authorize those two credit inquiries. My credit report is being used without my consent. 
XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-06 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-06 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: MS

Complaint narrative:
I disputed three accounts on my Experian credit report : - XXXX -XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX I submitted a written request asking Experian to provide the Method of Verification ( MOV ) under Section 611 of the Fair Credit Reporting Act ( FCRA ).

Experian failed to respond within the required timeframe and did not provide any documentation or explanation of how these accounts were verified.

At this point, I am no longer requesting the verification- I am requesting that Experian immediately delete all three accounts for failure to comply with federal law. 
Experian has violated my rights under the FCRA by not responding to my MOV request in a timely manner. These accounts must be removed as unverified and potentially 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-06 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-06 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 dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am the homeowner on the loan serviced by Shellpoint. I am writing this letter with a XXXX  XXXX and deep concern about the future of my home. 

I recently received Shellpoints response to my complaint and I feel I need to speak directly and honestly. I am an elderly man doing everything in my power to avoid losing the home I have worked so hard for. I understand that there are guidelines and procedures, but I am asking for compassion and flexibility in my case. 

Shellpoint is asking me to make a {$15000.00} down payment to move forward with a permanent loan modification. I simply can not afford that. I have fought to gather every XXXX I could and was only able to secure {$10000.00} through a personal loan, which has already been a great emotional and financial strain on me. That amount represents the absolute limit of what I can contribute. I am not trying to avoid responsibility. I am not asking for forgiveness. I am simply asking for a chance one that reflects my honest effort to keep my home. 

If Shellpoint can not accept this {$10000.00} as a good faith down payment, then I do not know what else I can do. I am at a breaking point mentally and emotionally. This situation is affecting my health, my sleep, and my dignity. I have tried everything. If I can not find support here, I will have no choice but to share my story publicly. I say this not as a threat, but as someone who is desperate to be heard. No one should feel this powerless in their old age. 

Please, I am pleading. Accept this proposal. Postpone the foreclosure currently scheduled for XX/XX/year> and give me a real opportunity to save my home. I am not asking for a gift, only a fair path forward based on what I can actually pay.

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 2025-05-06 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate late payments on several accounts, despite prior disputes. TransUnion has not provided adequate documentation or conducted a legally compliant investigation into these items, as required under the law.

Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Section 609 ( 15 U.S.C. 1681g ), TransUnion is obligated to perform a reasonable investigation and supply documentation verifying any disputed information. However, TransUnion has failed to provide copies of verification documents, identify the individuals involved in the investigation, or demonstrate that any reasonable procedures were followed. 

Disputed Late Payments XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history while keeping the account open. 

XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history while keeping the account open. 

XXXX / XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history while keeping the account open. 

XXXX / XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history while keeping the account open. 

FCRA Violations by TransUnion FCRA 611 : Failure to conduct an independent, reasonable investigation.

FCRA 609 : Failure to provide documentation verifying the accuracy of the disputed items. 

XXXX XXXX XXXXXXXX XXXX TransUnion ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : A credit bureau can not rely solely on responses from furnishers and must verify data independently. 

Case XXXX XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX ( XXXX ) : Credit bureaus are liable when they fail to provide evidence of how they verified disputed items.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This debt was acquired through a * dealer-originated sales agreement, not a standard installment loan. However, it is currently being misreported on my credit file as an * * Installment Agreement, which is inaccurate. The agreement should be reflected as a * * Sales Service Contract *, in line with how the transaction was structured and financed through the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-06 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'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Dear MCM Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report.

To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( XXXX XXXX XXXX ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
To Whom It May Concern, I am writing to formally dispute and request an immediate investigation regarding inaccurate and potentially outdated information on my credit report. Upon reviewing my recent credit file, I have identified several entries that are incomplete, unverifiable, or incorrectly reported. 

Specifically, I am disputing the following items : XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. The status is incorrect for the following account XXXX XXXX bankruptcy dismissed Case Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX I contacted the court directly and confirmed that they do not report bankruptcy filings to the credit bureaus. Please provide documentation on how this bankruptcy was verified, including the party who reported it. If verification can not be provided, I request the immediate deletion of this entry from my credit file.

The following accounts were included in my XXXX XXXX  bankruptcy and should not be listed with derogatory marks such as Charge-Off or Late Payments after the bankruptcy filing date. They should instead be updated to reflect. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all information reported is accurate and verifiable. Please investigate these accounts and either correct or remove them accordingly. 

I have attached a copy of my identification and a copy of the bankruptcy discharge paperwork for your reference.

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 2025-05-06 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: NC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX 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 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 2025-05-06 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: MS

Complaint narrative:
XXXX XXXX and Dept of ED does not belong on my credit report. My information was compromised in the Equifax Data Breach. This information needs to be removed from my credit report. Equifax has not provided any documentation that these accounts belong to me. Under the Fair Credit Reporting Act, I want these items removed immediately. Also I sent some dispute letters to Equifax on XX/XX/year>. They have yet to find my documents and upload them to my file. I am 100 % sure that my documents were delivered to the correct address but every time I call Equifax to get a update, they say the documents have not been received. So my personal information is compromised again thanks to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MA

Complaint narrative:
Pursuant to 18 USC 8, I Owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. company has No permission to report ANYTHING using my info pursuant to 15USC 1681 4 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$26000.00} XXXX  XXXX, XX/XX/year>, {$22000.00}

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 2025-05-06 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: MA

Complaint narrative:
Pursuant to 18 USC 8, I Owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. company has No permission to report ANYTHING using my info pursuant to 15USC 1681 4 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$26000.00} XXXX  XXXX, XX/XX/year>, {$22000.00}

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