vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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 filing this complaint due to inaccurate, unverifiable, and misleading information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2. Despite prior disputes to the credit bureaus and original furnishers, no proper investigation or resolution has taken place. I am also a confirmed victim of the 2017 Equifax data breach, as verified through www.equifaxbreachsettlement.com, and I demand heightened review due to the increased risk of identity misuse.

Under the FCRA 15 U.S.C. 1681e ( a ), credit reporting agencies must maintain reasonable procedures to avoid reporting inaccurate or fraudulent information. Furthermore, 15 U.S.C. 1681b restricts who can access and use my credit file. My personal information was compromised in the breach, and any accounts that are unverifiable or potentially fraudulent must be removed immediately.

The following accounts are being reported inaccurately and are the subject of this complaint : 1. XXXX XXXX XXXX Account Number : XXXX Status : Collection. Re-aged, unverifiable, no contract or validation ever provided. 
2. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection. No verification. Inaccurate reporting of balance and activity. 
3. XXXX Account Number : XXXX Status : Open with past-due status. Account reports over-the-limit usage. Inaccurate balance history and late payment reporting. 
4. XXXX XXXX Account Number : XXXX Status : Collection. Unverified debt. Reporting without providing proof of original agreement. 
5. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Status : Charged off with 96+ late payments shown. Account was closed but continues to reflect false activity. No notice of auction or right to reclaim collateral. Violates fair debt collection and FCRA provisions.

6. XXXX XXXX XXXX ( Auto Loan ) Account Opened : XX/XX/XXXX Status : Closed/charged off but reports late activity monthly. Repossession occurred without proper notice or post-COVID hardship relief. Account is misleading and potentially deceptive under FCRA and Texas law.

In all cases, I have not received any documentation proving the validity of these accounts. Many appear to be re-aged, or otherwise manipulated to harm my credit file and misrepresent my payment history. Per FCRA 1681i ( a ) and 1681s-2 ( b ), any information that can not be verified with full supporting documentation must be deleted, not merely updated. Continued reporting of these accounts without verification is a clear FCRA violation.

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 2025-04-25 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 filing this complaint due to inaccurate, unverifiable, and misleading information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2. Despite prior disputes to the credit bureaus and original furnishers, no proper investigation or resolution has taken place. I am also a confirmed victim of the 2017 Equifax data breach, as verified through www.equifaxbreachsettlement.com, and I demand heightened review due to the increased risk of identity misuse.

Under the FCRA 15 U.S.C. 1681e ( a ), credit reporting agencies must maintain reasonable procedures to avoid reporting inaccurate or fraudulent information. Furthermore, 15 U.S.C. 1681b restricts who can access and use my credit file. My personal information was compromised in the breach, and any accounts that are unverifiable or potentially fraudulent must be removed immediately.

The following accounts are being reported inaccurately and are the subject of this complaint : 1. XXXX XXXX XXXX Account Number : XXXX Status : Collection. Re-aged, unverifiable, no contract or validation ever provided. 
2. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection. No verification. Inaccurate reporting of balance and activity. 
3. XXXX Account Number : XXXX Status : Open with past-due status. Account reports over-the-limit usage. Inaccurate balance history and late payment reporting. 
4. XXXX XXXX Account Number : XXXX Status : Collection. Unverified debt. Reporting without providing proof of original agreement. 
5. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Status : Charged off with 96+ late payments shown. Account was closed but continues to reflect false activity. No notice of auction or right to reclaim collateral. Violates fair debt collection and FCRA provisions.

6. XXXX XXXX XXXX ( Auto Loan ) Account Opened : XX/XX/XXXX Status : Closed/charged off but reports late activity monthly. Repossession occurred without proper notice or post-COVID hardship relief. Account is misleading and potentially deceptive under FCRA and Texas law.

In all cases, I have not received any documentation proving the validity of these accounts. Many appear to be re-aged, or otherwise manipulated to harm my credit file and misrepresent my payment history. Per FCRA 1681i ( a ) and 1681s-2 ( b ), any information that can not be verified with full supporting documentation must be deleted, not merely updated. Continued reporting of these accounts without verification is a clear FCRA violation.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I received a letter from National Enterprise Systems regarding an alleged debt of {$5500.00} supposedly owed to XXXX  XXXX XXXX, XXXX. I do not recognize this debt and have never received prior notice or documentation related to it. The letter references account number XXXX and was dated XX/XX/year>. 

I am requesting validation of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). I have sent a written request for verification and am awaiting a response. Until proper documentation is provided proving the debt is valid and belongs to me, I am disputing this debt. 

I want to ensure this debt is not reported on my credit report without proper validation, and that collection activity is paused until this matter is resolved.

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 2025-04-24 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: OR

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-25 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: GA

Complaint narrative:
I was at the realtor trying to pre-qualify for a home. That's when I found out that my credit report was drastically incorrect. I believe that the 3 credit bureaus either made major errors or that someone has stolen my identity and opened 3 accounts in my name without my consent, or knowledge. I did not give consent for these accounts to be opened, neither did I sign any documentation in reference to the opening of these accounts. I never authorized for these lenders to give the okay to open these accounts, according to Fair Credit Act these companies have violated my rights under section XXXX XXXX XXXX a state I have a right to privacy XXXX XXXX. XXXX XXXX states a consumer reporting can not furnish an account without my written consent. These are the accounts that were opened without my consent, nor knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I never authorized for these accounts to be opened at any time.I never gave anyone consent, nor did I ever speak to anyone. 
Also, these hard inquiries are I never gave consent for my credit to ran by these lenders, 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 non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I was at the realtor trying to pre-qualify for a home. That's when I found out that my credit report was drastically incorrect. I believe that the 3 credit bureaus either made major errors or that someone has stolen my identity and opened 3 accounts in my name without my consent, or knowledge. I did not give consent for these accounts to be opened, neither did I sign any documentation in reference to the opening of these accounts. I never authorized for these lenders to give the okay to open these accounts, according to Fair Credit Act these companies have violated my rights under section XXXX XXXX XXXX a state I have a right to privacy XXXX XXXX. XXXX XXXX states a consumer reporting can not furnish an account without my written consent. These are the accounts that were opened without my consent, nor knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I never authorized for these accounts to be opened at any time.I never gave anyone consent, nor did I ever speak to anyone. 
Also, these hard inquiries are I never gave consent for my credit to ran by these lenders, 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 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On XX/XX/year> at XXXX EST, I spoke with a Mr. Cooper representative named XXXX XXXX My payment for XXXX increased from {$1800.00} to {$2800.00}. I was thinking this was just a XXXX time issue, which I already complained to them about and received no written communication as to why the increase had occurred. Today on the call, I was told there was a deficit in escrow. After another recalculation performed during our discussion, I was told there there was a deficiency of {$6100.00} and some change, and that I could pay it all at once, or pay {$2100.00} per month to make up the arrears. My insurance and taxes have not changed significantly from last year. My insurance is {$2400.00} and my taxes are {$2800.00}. 

Mr. Cooper is negligent in providing false and erroneous escrow information to their customers, forcing them to make mortgage payments far above the customer 's norm. I am considering litigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-25 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-25 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against LVNV Funding LLC, a debt collection agency that has reported a debt on my credit report which I do not recognize and has failed to properly validate. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested a full validation of this alleged debt directly from LVNV Funding LLC. To date, they have not provided adequate validation that proves the debt is mine, nor have they shown proof of their legal right to collect it.

Despite this, they continue to report this item to the credit bureaus, causing ongoing and unjust damage to my credit standing. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure that LVNV Funding LLC immediately removes this unvalidated account from all consumer credit reports. Continuing to report a debt without proper validation is a clear violation of my rights under federal law. 

Resolution Requested : Immediate deletion of the LVNV Funding LLC account from my credit reports with all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

Written confirmation of this removal. 

Thank you for your time and attention to this urgent matter. Please do not hesitate to contact me should you need any further information.

Company response to consumer: Closed with explanation