vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was the victim of identity theft and did not figure it out until recently. 
Apparently, in XXXX of XXXX unknown person used my dob and ssn to open a paypal account. Then that person, made a purchase through XXXX and sent the item ( XXXX ) to an address in XXXX XXXX XXXX 
When I called Midland Credit Management companXXXX in XXXX, I told them over the phone that I never had a XXXX account. I was not going to confirm my dob or ssn over the phone to someone who sounded shady. When I googled the company, they had numerous complaints. Midland also did not give me any other information about the charge at that time. 
So what that person did in XXXX, was to issue a charge off and report it on my credit. 
I did not find all of this out until XX/XX/XXXX, when I tried to refinance a vehicle loan. 
This company should not be able to ruin my credit with XXXX evidence that I did this. 
My address is in XXXX, it just does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I purchased a XXXX from what I believed to be XXXX XXXX online XX/XX/year> for {$60.00}. It was a XXXX XXXX is a type of program disguised as a legitimate program. In fact it was XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$60.00}. I was scammed. I reported the scam to XXXX at US Bank credit card fraud department and he refused to take a fraud report. I then filed a fraud report with XXXX around XX/XX/year> after speaking XXXX XXXX customer service at XXXX XXXX at XXXX, an advised me that my purchase, tracking number, merchant number and product never existed. I advised XXXX at US Bank fraud of this. XXXX advised me that fraud investigation had been cancelled by XXXX. XXXX transferred me to XXXX who took another fraud report case # XXXX. Today, XX/XX/year>, I received a letter, " Unfortunately, you did not cancel the merchandise prior to the date of the transaction. We are unable to stop a transaction from posting to your account. If you wish to return the merchandise you will need to contact the merchant directly and request a cancellation. '' US BANK is going to enormous step NOT to take action. US BANK will not offer ME protection against fraudulent charges from XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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: NC

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 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
In XXXX of 2023 I sent multiple dispute letters to transunion about the inaccuracies within my credit report through certified mail. In the letters I asked that they physically verify the multiple student loans accounts that were fraudulently being reported on my credit file and that they provide verifiable proof within their verification. Each time they responded back by verifying the information without evidence ultimately validating the fraud that is being reported on my credit 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year> I did a Mobile deposit of my payroll check. I received email confirmation that my deposit was received and accepted. Was told that it would take up to 2 business days for it to process. IF my account was under 90 days old, it could take up to 4. My account is almost a year old so the 4 days should not apply to me. After the 2nd business day, Tuesday XX/XX/year>, I contacted the BMO customer service who explained there was a hold until XX/XX/year> end of day. So I could potentially access funds on XX/XX/year>. I called the branch manager of the bank I opened the account at and he explained that the check was held for " payability concerns ''. The payroll check was drawn off a major bank. The company has NEVER had a overdraft so the payability concern is an issue. I offered to have not only the writer of the check contact whoever to confirm the authenticity of it, and I also offered to have the branch manager of the bank that the check was drawn from to call to verify but neither was accepted. I have now provided the bank with a copy of the check CLEARING from the bank it was drawn off of, but still can not access any of the funds.

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 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This complaint is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an account being reported by Affirm , Inc. under account number XXXX. 

According to my Experian, Equifax, and TransUnion, credit reports dated XX/XX/XXXX, this account is currently reporting the following inaccurate and misleading information : Status : Account charged off Past due amount : {$310.00} Balance : {$310.00} Status updated : XX/XX/XXXX Last payment reported : XX/XX/XXXX However, I made a full and final payment of {$310.00} to XXXX, acting as your agent. This payment was acknowledged with a confirmation that the account was paid in full and that no further collection activity would take place. Therefore, the continued reporting of a charge-off and past due balance is factually incorrect and must be addressed immediately. 

Furthermore : I never received a 1099-C or any notice of debt cancellation, charge-off, or transfer. 
I was never notified prior to this account being reported negatively to the credit bureaus. 
I did not receive any formal debt validation or assignment chain, nor documentation verifying that Affirm Inc. or XXXX had the legal authority to collect on this account. 

The failure to notify me of adverse credit actions and the lack of validation constitute violations of both the FDCPA ( 809 ) and FCRA ( 623, 611 ).

DEMAND FOR IMMEDIATE ACTION : -Delete the inaccurate tradeline from all credit reporting agencies immediately. 

-Provide the full chain of assignment, from Affirm Inc. to any third-party agency ( e.g., TrueAccord ). 
Validate the debt by supplying all documents bearing my signature, terms of agreement, itemized statements, and proof of authority to report and collect. 

-Cease all negative reporting and correct the credit file to reflect that this account has been paid in full, with a {$0.00} balance and no past due amount. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-04-16 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 writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
Inaccurate credit reporting charged-off opened XX/XX/year> closed XX/XX/year> XXXX Ballance reported as derogatory with XXXX  % on time payments while reporting Payment History XXXX made XXXX  % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status XXXX Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpont Servicing Mortgage and Newrez Mortgage company is refusing to adjust my PMI on my loan. I originally assumed the loan with XXXX XXXXe and it was subsequently sold to XXXX XXXX XXXX and then the New service Shellpoint Mortgage Servicing provider Loan XXXX XXXX. I requested and adjustment to my PMI with XXXX on XX/XX/XXXX to remove the PMI which was 1.25 % being charged at the time. XXXX Sold the loan to Shellpont Mortgage Servicing on XX/XX/XXXX,, XXXX and they never made the adjustment to remove the PMI off the loan since XXXX. 

I repeatedly called both service providers and was advised to refinance the mortgage in order to remove the PMI, in which is a violation of their Contract and the Federal Regulations. I have attached the copy of the contract as well as the letter I received to refinance. 

Per the contract and the Addendum received dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, please see attached copy of the contract, which specifically states that an " Automatic Reduction " would take effect on the first month on or after XX/XX/XXXX, which never happened, I brought this to the Attention of XXXX and Shellpoint Mortgage Servicing, either company has resolved my concerns or has been willing to take the appropriate steps to make the adjustment on my loan.

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 2025-04-16 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: IN

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-04-16 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: TX

Complaint narrative:
I must emphasize that this complaint is both legitimate and urgent. My credit report contains serious inaccuracies that clearly fail to meet the legal standard of maximum possible accuracy. These errors are not only misleading, they are having a profound and ongoing negative impact on my financial stability and overall well-being. In these already difficult times, I urgently request that these inaccuracies be thoroughly investigated, corrected, or permanently removed without delay. This matter demands immediate and decisive action.

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 2025-04-16 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXXXXXX

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