vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1300.00} BANKRUPTCY - XXXX - XX/XX/XXXX - XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pay this bill every 2 weeks. I have a zero percent promotion for 12 months. The promotion expires XX/XX/XXXX. I set up an automatic payment every 2 weeks to distribute on my paydays in an equal amount so that the final payment for the bill will be paid XX/XX/XXXX. 

XXXX 's monthly statement showed a minimum payment of {$67.00} by XX/XX/XXXX. In XXXX, I paid XX/XX/XXXX - {$36.00} and XX/XX/XXXX - {$36.00}. a total of {$72.00}. Unbeknownst to me, on the XXXX monthly statement, Capital One applied a third payment after the XX/XX/XXXX date, received on XX/XX/XXXX, for {$36.00}. 

So, the XXXX monthly statement showed that I needed to pay {$67.00} by XX/XX/XXXX. I paid {$36.00} on XX/XX/XXXX and {$36.00} on XX/XX/XXXX. Total of {$72.00}. But, according to the Capital One, because the XX/XX/XXXX payment was applied to the XXXX statement ( after the due date ) even though it was received in XXXX, I was assessed a {$29.00} late fee because only one payment was counted. I was assessed another {$40.00} late fee in the XXXX statement and now I'm being charged interest because " I have violated the promotional agreement. '' Now, I have been assessed another late fee in XXXX. I attempted to resolve this with Capital One 's account services and they said that they would waive {$40.00} late fee but I was ineligible for any further waivers. Even though the senior account manager said that my " intent '' for the XX/XX/XXXX payment was to go toward the XXXX statement, I am ineligible. She refused to let me speak with anyone else or to allow me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Unauthorized or unverifiable inquiries are reporting on my credit file. I disputed with all three credit bureaus, but they failed to provide proof of permissible purpose or remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This morning XX/XX/year> I received an alert on my credit that all my Federal student loans that are being serviced by XXXX are back on my credit report. I received forgiveness and have a XXXX balance. I also have a letter stating this.

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 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am attempting to refinance with another bank. Select Portfolio Servicing is not providing information related to the XXXX that we requested XXXX months ago. They are uncommunicative despite my and our new bank 's attorney 's many attempts to get an update. I believe that they are being deliberately withholding of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MA

Complaint narrative:
never late on the following accounts please remove immediately. 

Account XXXX  Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$0.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$1500.00} Remarks Account closed at credit grantors request Creditor Comments Account closed at credit grantors request Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Account XXXX XXXX  XXXX Account Number XXXX Account Type Revolving Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$3.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$3.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$900.00} Remarks - Creditor Comments- Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS 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 Experian 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 2025-03-04 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: MA

Complaint narrative:
never late on the following accounts please remove immediately. 

Account XXXX  Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$0.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$1500.00} Remarks Account closed at credit grantors request Creditor Comments Account closed at credit grantors request Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Account XXXX XXXX  XXXX Account Number XXXX Account Type Revolving Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ XXXX  Monthly Payment {$3.00} Last Payment Date XXXX XX/XX/XXXX Account Balance {$3.00} Last Reported XXXX XX/XX/XXXX Amount Past Due {$0.00} Limit {$900.00} Remarks - Creditor Comments- Your Statement - Responsibility Individual Past Due - 30 DAYS XXXX Past Due - 60 DAYS XXXX Past Due - 90+ DAYS XXXX The table below represents 24 months of account repayment history PAST 24 MONTHS 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 Experian 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 2025-03-04 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: LA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have a mortgage account reporting that should not be. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

The following account has been disputed numerous times with no response. 

- XXXX XXXX Account Number : XXXX XXXX and XXXX have looked into this matter and have removed this account. However, Transunion seems to be the only one not complying. Not only are they not complying. They are also ignoring the matter and not giving any explanation. 

FTC report number : 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 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/XXXX, I formally invoked my rights under 15 U.S.C. 1692c ( c ) and sent a cease-and-desist letter to your offices, disputing the alleged debt and requesting that all communications regarding the matter cease immediately. The cease-and-desist notice was delivered via USPS, confirmed as received on XX/XX/XXXX ( see enclosed tracking confirmation ). Despite my clear request, I continued to receive multiple debt collection letters from your company on XX/XX/XXXX, and XXXX, XXXX, violating my legal rights under the FDCPA. 

Additionally, your repeated communications constitute harassment and abuse under 15 U.S.C. 1692d. Your failure to cease communications after my formal request demonstrates willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$460.00} XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX  - XXXX - XX/XX/XXXX - {$9100.00} INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
Someone used my Social Security Number to open a XXXX XXXX account in 2019. At an address I have not lived at.

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 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
There are XXXX missing mortgage payments, and the checks have been cashed. 
The mortgage company is now charging late fees. 
We were served by the mortgage company for non payment of mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-04 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$3600.00} Date Opened XX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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