vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I recently reviewed my credit reports and found a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX, with a balance of {$2100.00} and an open date of XX/XX/year>. This account is showing up on my TransUnion, Experian, and Equifax reports as derogatory and in collections. 

I am disputing this account because I have never had an unpaid balance or defaulted on any insurance policy with XXXX. I have not received any bills, collection letters, or notices related to this account prior to seeing it on my credit reports. 

I believe this account may have been : Reported in error, Fraudulently opened using my identity, or Incorrectly assigned to me due to a misidentification. 

To date, I have not been provided with any documentation or validation that confirms I owe this debt or that I was ever notified about it. 

This collection is negatively affecting my credit and is not a debt I am responsible for.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax keeps removing my credit card account with XXXX XXXX. Every other month its removed. This only happens on Equifax. XXXX stated that they report it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
XXXX XXXX XXXX with an alleged balance of {$520.00}. This account is appearing on my credit report inaccurately and without complete verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt Validation Request to Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/year> To : MIDLAND CREDIT MANAGEM XXXX, MI XXXX Subject : Request for Debt Validation and Proof of Right to Collect Notice of Dispute To Whom It May Concern, This letter is being sent to you in response to a collection notice or listing you may have placed on my credit report. Please be advised that this is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, and my rights under Florida state law. 

I do not recognize or acknowledge this debt, and I hereby request the following documentation for validation and proof of your legal ability to collect : 1. The name of the original creditor and a copy of the signed agreement that authorizes you to collect this debt.

2. Proof of the full chain of assignment, showing how this debt was transferred to your agency.

3. An itemized statement of the alleged debt, including all charges and interest.

4. Proof that you are licensed and/or registered to collect debts in the State of Florida, including your license number and the name under which you are registered with the Florida Office of Financial Regulation .

Until you provide the above information, you must cease all collection efforts, including calls, emails, mail, and reporting to the credit bureaus. If you fail to validate this debt within 30 days of receipt of this letter, or if you continue collection activity without proper validation, you will be in violation of the FDCPA and Florida statutes, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and the FTC.

Please respond in writing only. No phone contact is authorized.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2025-06-26 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
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 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 2025-06-26 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-26 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-26 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 dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This letter serves as my final notice regarding Experians persistent failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the unverified inquiries on my credit report disputed in my XX/XX/XXXX letter. 

Despite my clear demand for investigation and removal, the unauthorized and unverified inquiries remain, and I have received no evidence of permissible purpose or any reinvestigation results as required under FCRA 611 ( a ) and FCRA 604 ( a ) ( 3 ). Experian has a documented history of litigation for similar violationsfailing to reinvestigate, failing to verify permissible purposes, and continuing to report unverified inquiries without justification. Your company has previously been sued and held liable for these exact same missteps, yet you repeat them, inflicting repeated harm on consumers like myself. 

Summary of Outstanding Violations : - Failure to investigate disputed inquiries within the 30-day timeframe mandated by FCRA 611 ( a ).

- Failure to provide documentation verifying permissible purposes under FCRA 604 ( a ) ( 3 ).

- Continued publication of unverified and unauthorized inquiries, damaging my creditworthiness.

Final Demand : You are hereby given one final opportunity to remedy these violations before I initiate legal proceedings. Within fifteen ( 15 ) business days of your receipt of this letter, you must : 1. Provide written documentation for each listed inquiry proving a permissible purpose under FCRA 604 ( a ) ( 3 ).

2. Remove all inquiries for which no permissible purpose can be verified. 
3. Send me a complete reinvestigation report detailing your findings and actions taken. 

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 2025-06-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I fell into financial hardship in XXXX, XXXX and was financial unable to keep current on my mortgage. A foreclosure process was started by Shellpoint Mortgage. In XXXX of XXXX a family member offered to help with the past due amount and help to get me current. I received a reinstatement letter from Shellpoint in the mail on XX/XX/XXXX with a good through date of XX/XX/XXXX. I called Shellpoint on the XXXX of XXXX to inform them that the good through date had passed and if they could send me another current reinstatement letter. The reinstatement letter dated XX/XX/XXXX, received XX/XX/XXXX, had a reinstatement amount of {$12000.00} to bring my mortgage current and up to date. ( see attachment ) On XX/XX/XXXX, I meet with my family member to go to the bank to get a certified check. The reinstatement letter dated XX/XX/XXXX from Shellpoint said that I would need to call on the day of getting check to make sure amount was correct. I called and spoke with a lady named XXXX at Shellpoint on XX/XX/XXXX. She stated the amount to bring me current on my mortgage was {$12000.00} and would cover past due amount, and XX/XX/XXXX, mortgage payment and my first payment of {$650.00} would be due XX/XX/XXXX. My family members that are helping me were standing with me and heard XXXXXXXX XXXX statement too. My mortgage statement for XXXX XXXX ( see attachment ) also has the amount of {$12000.00} as the amount to bring my account current, past due amount XXXX XXXXXX/XX/XXXX payment = {$12000.00}. On XX/XX/XXXX I called Shellpoint to make sure they received the check to bring my account current and spoke to XXXX XXXX and he informed me that I had a balance of {$260.00} due XX/XX/XXXX. He could not ascertain why I had that amount due and said he would put an inquiry in with the XXXX XXXX Team and I should call back in XXXX days. On XX/XX/XXXX I called Shellpoint and was transferred to a XXXX XXXX He could not give a definitive answer as to why my reinstatement amount of {$12000.00} had not been applied to my XX/XX/XXXX mortgage payment as was stated to me by XXXX on XXXX XXXX. At XXXX point in our conversation he asked me if I would like the monies to be reallocated to cover XXXXXXXX XXXX  payment. I informed him that I would like to speak to my HUD counselor XXXX XXXX at XXXX XXXX XXXX in XXXX, SC as she had been helping me with the loss mitigation process. XXXX XXXX Informed me that I should file this complaint because Shellpoint should have allocated all monies from my reinstatement amount of {$12000.00} toward past due amount and XX/XX/XXXX mortgage payment as they stated they would by XXXX on XX/XX/XXXX, on my reinstatement letter, as well as my XXXX mortgage statement total amount due, that has past due amount and including XXXX mortgage payment to equal {$12000.00} to bring my mortgage current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation