vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. 


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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year> I noticed a hit to my credit report from XXXX XXXX XXXX that I did not open. I immediately contacted them and they determined that it was a fraudulent account under my name with an old childhood address that I had not lived at in over XXXX  years. They closed the account and cleared it with the credit bureaus. On XX/XX/year> I started receiving non stop calls from a company by the name of Midland Credit Management, I finally answered and spoke to a representative who was extremely hostile and started threatening me with financial and legal repercussions if I did not set up automatic payments. I requested an investigation and 21 days later I received a letter with no verifying information and a statement of {$990.00}, I called them again to ask what exactly they verified because there was nothing included with the letter. They told me they couldnt verify anything besides my name and an old childhood address because XXXX XXXX XXXX  was no longer in business and that was the original Creditor. I then called XXXX XXXX XXXX and verified once again that this was a fraudulent debt that had been forgiven, they confirmed this and told me they also no longer work with XXXX XXXX XXXX. I notified Midland Credit Management once again and asked to speak with a manager which resulted in me being interrogated, cussed at and threatened for over an hour by XXXX separate people including the manager XXXX XXXX. They then started sending me letters almost every single day after receiving my current address until I reported them for harassment and notified them of this, they finally stopped and told me that the debt was forgiven after I reported them to the credit bureaus as well. Now almost a year later this debt has shown up on all of my credit bureau accounts and caused my credit score to drop. I was not notified of this in any way and I have had no contact with them since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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 2025-03-17 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: MO

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 2025-03-17 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: VA

Complaint narrative:
I am writing to formally express my deep concern and frustration regarding the inaccurate reporting of a late payment on my account for XX/XX/XXXX. This late payment, which has been reported to the credit bureaus, has significantly impacted my credit score and jeopardized my ability to secure a mortgage that is crucial for providing stable housing for my children. I believe the late payment report to be unjust, and I respectfully request its immediate removal from my credit file. 

As a single mother, I have made every effort to ensure financial responsibility to support my family. I have been a loyal customer of XXXX XXXX XXXX since XXXX, consistently making on-time payments. Unfortunately, in late XX/XX/XXXX, I underwent an unexpected XXXX, which was compounded by a sudden loss of income in XX/XX/XXXX. These unforeseen circumstances temporarily affected my ability to make my payment on time. However, I proactively communicated this situation to my local XXXX XXXX branch and assured them that I would make full payment by the end of XXXX or early XXXX. True to my word, I made the payment within the specified time frame. 

Despite this, I was dismayed to find that the payment was reported as late to the credit bureaus, which I believe is not a fair reflection of my account history or the efforts I made to rectify the situation promptly. I reached out to XXXXXXXX XXXX  executive office for assistance, only to be informed that no goodwill exceptions are made and that they would not consider removing the late payment unless I provided a recording or phone log of the conversation. I am confident that I spoke in good faith with a representative, explaining my circumstances and expecting that my prior positive payment history would be taken into consideration. 

The reported late payment has caused a significant drop in my credit score, impacting it by XXXX points and putting my ability to secure a mortgage at risk. This is especially concerning given my longstanding history of responsible payments with XXXX XXXX XXXX. The loss of this opportunity has placed me in a distressing position, as I am at risk of losing the home I have worked so hard to purchase for my children. 

I believe this situation underscores a broader issue of fairness. XXXX XXXX XXXX promotes the importance of financial stability, yet my efforts to maintain that stability in the face of a temporary hardship have not been met with understanding or reasonable accommodation. Given my otherwise responsible account history and the extenuating circumstances surrounding this issue. I ask that you will review my case in a manner that reflects the values of fairness and compassion that XXXX XXXX XXXX claims to uphold.

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 2025-03-17 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: VA

Complaint narrative:
I am writing to formally express my deep concern and frustration regarding the inaccurate reporting of a late payment on my account for XX/XX/XXXX. This late payment, which has been reported to the credit bureaus, has significantly impacted my credit score and jeopardized my ability to secure a mortgage that is crucial for providing stable housing for my children. I believe the late payment report to be unjust, and I respectfully request its immediate removal from my credit file. 

As a single mother, I have made every effort to ensure financial responsibility to support my family. I have been a loyal customer of XXXX XXXX XXXX since XXXX, consistently making on-time payments. Unfortunately, in late XX/XX/XXXX, I underwent an unexpected XXXX, which was compounded by a sudden loss of income in XX/XX/XXXX. These unforeseen circumstances temporarily affected my ability to make my payment on time. However, I proactively communicated this situation to my local XXXX XXXX branch and assured them that I would make full payment by the end of XXXX or early XXXX. True to my word, I made the payment within the specified time frame. 

Despite this, I was dismayed to find that the payment was reported as late to the credit bureaus, which I believe is not a fair reflection of my account history or the efforts I made to rectify the situation promptly. I reached out to XXXX XXXX executive office for assistance, only to be informed that no goodwill exceptions are made and that they would not consider removing the late payment unless I provided a recording or phone log of the conversation. I am confident that I spoke in good faith with a representative, explaining my circumstances and expecting that my prior positive payment history would be taken into consideration. 

The reported late payment has caused a significant drop in my credit score, impacting it by XXXX points and putting my ability to secure a mortgage at risk. This is especially concerning given my longstanding history of responsible payments with XXXX XXXX XXXX. The loss of this opportunity has placed me in a distressing position, as I am at risk of losing the home I have worked so hard to purchase for my children. 

I believe this situation underscores a broader issue of fairness. XXXX XXXX XXXX promotes the importance of financial stability, yet my efforts to maintain that stability in the face of a temporary hardship have not been met with understanding or reasonable accommodation. Given my otherwise responsible account history and the extenuating circumstances surrounding this issue. I ask that you will review my case in a manner that reflects the values of fairness and compassion that XXXX XXXX XXXX claims to uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

Complaint narrative:
I am writing to formally express my deep concern and frustration regarding the inaccurate reporting of a late payment on my account for XX/XX/XXXX. This late payment, which has been reported to the credit bureaus, has significantly impacted my credit score and jeopardized my ability to secure a mortgage that is crucial for providing stable housing for my children. I believe the late payment report to be unjust, and I respectfully request its immediate removal from my credit file. 

As a single mother, I have made every effort to ensure financial responsibility to support my family. I have been a loyal customer of XXXX XXXX XXXX since XXXX, consistently making on-time payments. Unfortunately, in late XX/XX/XXXX, I underwent an unexpected XXXX, which was compounded by a sudden loss of income in XX/XX/XXXX. These unforeseen circumstances temporarily affected my ability to make my payment on time. However, I proactively communicated this situation to my local XXXX XXXX branch and assured them that I would make full payment by the end of XXXX or early XXXX. True to my word, I made the payment within the specified time frame. 

Despite this, I was dismayed to find that the payment was reported as late to the credit bureaus, which I believe is not a fair reflection of my account history or the efforts I made to rectify the situation promptly. I reached out to XXXX XXXX  executive office for assistance, only to be informed that no goodwill exceptions are made and that they would not consider removing the late payment unless I provided a recording or phone log of the conversation. I am confident that I spoke in good faith with a representative, explaining my circumstances and expecting that my prior positive payment history would be taken into consideration. 

The reported late payment has caused a significant drop in my credit score, impacting it by XXXX points and putting my ability to secure a mortgage at risk. This is especially concerning given my longstanding history of responsible payments with XXXX XXXX XXXX. The loss of this opportunity has placed me in a distressing position, as I am at risk of losing the home I have worked so hard to purchase for my children. 

I believe this situation underscores a broader issue of fairness. XXXX XXXX XXXX promotes the importance of financial stability, yet my efforts to maintain that stability in the face of a temporary hardship have not been met with understanding or reasonable accommodation. Given my otherwise responsible account history and the extenuating circumstances surrounding this issue. I ask that you will review my case in a manner that reflects the values of fairness and compassion that XXXX XXXX XXXX claims to uphold.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-17 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:
I am writing to formally dispute inaccurate information on my Experian credit report regarding my student loans. My loans have been in forbearance for the last five months, yet they are incorrectly reported as late payments. Additionally, when I log into my loan servicers website, my account reflects a {$0.00} payment due, further confirming that no payments were required during this period.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information, and I request an immediate investigation into 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 2025-03-17 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-17 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: MI

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
Equifax is reporting XX/XX/XXXX for XXXX XXXX  the last payment date was XX/XX/XXXX and then in XXXX it is showing XX/XX/XXXX. There is other months that show last payment for us bank was XX/XX/XXXX. They also show two different charge off amounts. This is all inaccurate information that is being reported. how does the last month reported keep moving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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 2025-03-17 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: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 2025-03-17 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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