vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : Bankruptcy # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accoun
t without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a complaint because For the last month and a half XXXX XXXX app was not working, I then put off the toll payments and was behind by like XXXX dollars ( what I was told over the phone ). They told me the account was deleted and I was sent to collections. They said I would have to resolve the issue with the collection agency Transworld system inc. 

I have been trying to call Transworld System inc But no one in the tolls department picks up the call. For the last 3 weeks I have called frequently and sometimes multiple times during the day. NO ONE ANSWERS THE PHONE. I NEED TO PAY MY DEBT!!! I have spoken to other reps from other departments who have transferred me to the till department, and some of these reps have themselves found that NO ONE ANSWERS. They would then regretfully tell me that there is nothing they can do about this. 

Here are the numbers I have been given XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX {$320.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX {$320.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-18 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be
corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-18 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: NC

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Experian neither corrected nor removed disputed items despite the evidence. This item was disputed on XX/XX/year>. 

XXXX XXXX XXXX  XXXX. 

This item was purchased by a Third-Party Debt Collector ( Credit Collections ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third-Party Debt and they are not the original owners and I never signed any accounts with them.

It is a violation of 15 U.S. Code 1692g and 15 U.S. Code1681e ( b ).

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 2025-03-18 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Aafes is charging me twice for account ending in XXXX and XXXX and the amojnt is the same XXXX that was taken twice out of my income tax when there only supposed to be one and Aafes made a duplicate account and has it paid, tried contacting emailing and phone call and keep getting the run around to contact third party XXXX  since they dont have the debt and contacted XXXX and told me to contact Aafes  since it came from them and they made the mistake and made a duplicate account

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 2025-03-18 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: MI

Complaint narrative:
I am a victim of XXXX XXXX  and I need these accounts urgently removed from my credit report. I have tried everything to submit these documents online, as mailing is unsafe for me. TransUnion reps have tried repeatedly to reset my online account for almost XXXX  years and it just will not allow me to submit any disputes. Please remove all adverse information from my credit report immediately. I have enclosed the proper documentation. 

Thank you so much.

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NY

Complaint narrative:
This debt was never mine-it was the responsibility of XXXX XXXX XXXX XXXX XX/XX/year> ) who forced me under threat of violence to sign a contract at a dealership, finance a vehicle, and register it under my name. At the time, I was in an XXXX XXXX XXXXXXXX relationship, and he threatened to XXXX  me if I did not comply. 
I was coerced and forced to sign the contract under duress. 
XXXX XXXX took possession of the vehicle immediately-I never had control of it. 
He registered the vehicle using my information, most of which he handled himself. 
The tickets were issued while he had the vehicle, and I had no physical possession of it at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Westlake Services, LLC
State: DE

Complaint narrative:
This loan was paid off in 2022. The information on my credit report is incorrectly marked as a negative charge off. The company has already written it off in taxes. Please remove this remark and account under the Fair Credit Reporting Act 15 U.S.C. 1681m.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 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 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 2025-03-18 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: TN

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 2025-03-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The matter with Shellpoint Mortgage Servicing still isn't resolved. I received an email from XXXX XXXX on XX/XX/XXXX. She stated that I was recently approved for loss mitigation & my new payment would be {$1500.00} on a trial basis. I've never physically filled out an application for loss mitigation. I replied back to her on XX/XX/XXXX & stated to her I can not pay that amount because my SSDI check is only {$1600.00}, so it wouldn't leave me enough to pay other bills. I also told her there's more than enough equity in my home to just leave the payment as it was ( {$1200.00} ) and leave my rate at XXXX. I sent her XXXX screenshots of homes near me & XXXX had recently sold for {$290000.00} & it doesn't even have a full basement like my home has. Later that same day she emailed back & it said reviewing the information. On XX/XX/XXXX, I emailed her asking if there was any update on my acct & I also had a screenshot of what my house would sell for at that time, which was {$240000.00}. She emailed that night & asked me for a date & time so we could talk. I told her Monday XX/XX/XXXX at XXXX is good. As I was coming home from the store that same day, a man was waiting in front of my house & when I got out of my vehicle he approached me & started asking questions about my home. He said it was up for auction on XX/XX/XXXX & I was shocked because I haven't received any documents stating that. He also asked me if I wanted to sell & I told him no. I had to cancel that Monday because I had forgotten I had labwork to do & asked her to please call me Tuesday XX/XX/XXXX. I haven't heard from her since. I don't understand why this is so hard to do. Months ago when I emailed Shellpoint, I was emailing another loss mitigation specialist & she said right off the bat to pay arrearages or liquidate. I just want to start making my payments. My ex signed over his pension to me & that amount is {$310.00} a month & if I need help, he said he'd do his best. He has his own apartment to pay for too. Can we get this matter fixed? I just can not pay {$1500.00} per month, I wouldn't be able to survive that. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against midland credit. And portfolio recovery regarding improper debt collection practices. The actions taken by this company have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). 

Multiple times a day I receive a letter/phone call from midland credit and portfolio recovery attempting to collect a debt that I do not recognize. I requested debt validation on XX/XX/year>, but they have not responded within the required 30 days. Despite this, they continue to report this account to the credit bureaus, which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am filing this complaint against Experian for failing to provide proper validation of a debt as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws. 

On XX/XX/year>, I formally requested that Experian validate the alleged debt associated with several accounts by providing evidence of a wet-ink signature on a binding contract. My request was based on my rights under 15 U.S.C. 1681g ( disclosure of information by consumer reporting agencies ) and 15 U.S.C. 1692g ( validation of debts under the Fair Debt Collection Practices Act, FDCPA ). 

Instead of providing such validation, Experian merely confirmed the debt using digital records or contract by acceptance ( use of a credit card ), which does not constitute a legally enforceable agreement without explicit, documented consent. Under 15 U.S.C. 1666i-1, any alleged open-ended credit agreement must have a signed writing that explicitly obligates the consumer to the terms.

Experians refusal to provide actual verification of a signed contract violates my rights as a consumer. I request that the CFPB investigate Experians failure to properly validate this account and take corrective action, including removal of any unverifiable information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation