vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report.

My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report.

INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXXXX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for XXXX Account XXXX Dear Midland Credit Management, I am writing in relation to the alleged debt associated with my name and account. As a consumer, I take this matter seriously and would like to address it appropriately. Due to unresolved concerns regarding this debt, I am invoking my right to resolve this dispute through arbitration in accordance with applicable laws and the terms governing the debt, including any contractual agreements associated with the original creditor. 
To facilitate the arbitration process, I kindly request the following : 1. XXXX Clause Details : Please provide a copy of the arbitration clause in the original agreement that governs this debt. 
2. XXXX Forum Information : Specify the arbitration forum designated in the agreement and provide details on how to initiate the process. 
Furthermore, I formally request that you refrain from any third-party communication regarding this alleged debt, including but not limited to reporting or sharing information with credit reporting agencies. Such actions prior to the resolution of this matter through arbitration would be inappropriate and could be considered a violation of my rights under applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
Until this arbitration process is concluded, I respectfully request that you cease all collection efforts and direct all future communication to me in writing at the address listed above. 
I look forward to resolving this matter through the prescribed legal process. Thank you for your attention to this request. 
Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT NUMBERXXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX

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

Complaint narrative:
SO AFTER MULTIPLE ATTEMPTS TO HAVE EXPERIAN AND EQUIFAX HELP ME REMOVE FRAUDULENT ACCOUNTS AND ADDRESSES FROM MY FILE, I AHVE BEEN LEFT WITH NO SOLUTION. I ASK OF YOU TO PLEASE HELP ME, BECAUSE I AM A VICTIM OF IDENTITY FRAUD AND XXXX XXXX UNDER 605C TO REMOVE AND BLOCK THE REPORTED FRAUDULENT CREDIT ACCOUNTS AND THE ADDRESS LISTED ON MY REPORT ALSO. ALL SUPPORTING DOCUMENTS WILL BE UPLOADED. PLEASE SEE ATTACHED.

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 2025-04-04 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: DC

Complaint narrative:
company reporting a charge off account but will not send a 1099c this is a violation of the fair credit act by not providing actuate information on 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
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
During the COVID-19 pandemic, I fell behind on payments. While under federal protections for FHA loans during that period, my mortgage servicer proceeded to transfer my deed not once, but twice an action that raises serious questions about compliance with COVID-era forbearance and loss mitigation guidelines.

Key Issues : My original interest rate was 4.5 %, as shown in my original XXXXXXXX XXXX documents. 

Without notice or my consent, XXXX XXXX XXXX XXXX increased my interest rate to 7.125 %, as reflected in their most recent statement dated XX/XX/scrub> 2025. 

I was not provided any documentation, disclosures, or modification agreements authorizing this rate change, which is a violation of FHA loan servicing rules and RESPA ( Real Estate Settlement Procedures Act ). 

Furthermore, the servicers have not provided a full payment history or a record of how these transfers affected my account. I was led to believe my XXXX has something to do with the rate increase.

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

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked I will provide a identity theft report that will be attached to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: G&L Wise Financial, Inc.
State: MO

Complaint narrative:
XX/XX/year> received and email from XXXX XXXX XXXX XXXX  with a verification of debt with incorrect information in address incorrect phone number and no proof of a inked signed contract with this company. I request validation of debt from this company requesting a inked signed contract as this is not my debt. They have failed to provide accurate information and the inked signed contract. Or have correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Markoff Law LLC
State: IL

Complaint narrative:
I am filing this complaint against Markoff Law LLC, representing XXXX XXXX XXXX XXXXXXXX, for unethical and potentially unlawful practices in violation of the Illinois Collection Agency Act and professional standards of conduct. 

I was served in XX/XX/XXXX regarding a debt from my prior marriage. I immediately responded by filing my Appearance, Answer, and a Fee Waiver request based on my financial status. I also attended the first court hearing. All documents were filed properly and are timestamped in the XXXX XXXX e-filing system. 

I am a self-represented defendant, a XXXX XXXXXXXX and have been living on XXXX and XXXX assistance ( XXXX ) for nearly two years. My only source of income is child support, which totals less than $ XXXX and will end later this year. I have no assets, no job, and no additional support. My ex-husbandthe co-defendant in this casehas left the country and completely abandoned his financial responsibilities. I have provided his last known address in XXXX XXXX. 

Despite all of this, I made a good-faith effort to communicate with Markoff Law LLC XXXX I emailed them multiple times, submitted a complete financial hardship request, and included supporting documentation : proof of income, bank statements, and XXXX status. I even offered to pay $ XXXX/monthan amount that reflects the maximum I can manage without compromising basic needs. 

Markoff Law LLC never responded. Not once. They ignored all communications and hardship documentation. Then, on XX/XX/XXXX, they filed a Motion for Default Judgment, falsely claiming that I had failed to appear, answer, or otherwise plead. 

This is a demonstrably false statement. My filings and court attendance are clearly recorded. The only conclusion is that the firm chose to intentionally ignore my participation, and use strategic silence to paint a false narrative for the court. 

This is not a paperwork error. It is a calculated abuse of the legal systemdesigned to mislead the court into granting a judgment by default, despite my active involvement and willingness to resolve the matter. It exploits my self-represented status and my financial vulnerability. 

I am requesting a full investigation into Markoff Law LLCs conduct in this matter. I am prepared to provide copies of all emails, filings, and proof of financial hardship. This behavior is manipulative, unethical, and reflects a complete disregard for due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
Subject : Complaint Against Equifax for Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for failing to remove unauthorized credit inquiries from my credit report. Despite my repeated attempts to resolve this matter directly with Equifax, my concerns have not been addressed, and I have been met with frustration, lack of assistance, and disconnections during my calls. 
I have noticed several unauthorized inquiries on my credit report that I did not authorize or provide permission for. These inquiries are negatively impacting my credit score and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, and I am requesting that these inquiries be removed immediately. 

I have attempted to contact Equifax multiple times to dispute these inquiries, but my concerns have been ignored or dismissed. The lack of response and cooperation from Equifax has caused me undue stress and hardship. 

I am requesting that the CFPB intervene in this matter to ensure Equifax properly investigates and removes these unauthorized inquiries from my credit report. I have attached copies of my credit report highlighting the disputed inquiries, as well as any correspondence with Equifax regarding this issue. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VA

Complaint narrative:
RE : Dispute and Request for Validation of XXXX XXXX  Debt Bottom Line Up Front ( BLUF ) : I am writing to formally dispute an alleged XXXX XXXX  debt associated with my enrollment at XXXX XXXX University for the Masters in Technology Management program. Based on my timely withdrawal from the program, it is my position that the tuition payment made via student loan should have been returned by the university. 
As supporting documentation : Exhibit A : Letter notifying the university of my intent to withdraw dated XX/XX/year>2007. 
Exhibit B : Email correspondence confirming the final withdrawal deadline as XX/XX/year>2007. 
Exhibit C : University calendar confirming the last permissible date for withdrawal. 
In accordance with my rights under applicable federal laws governing debt collection and student loan administration, I respectfully request that you provide the following information and documentation to validate the alleged debt :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
Hello I have requested the credit bureaus remove all Inaccurate collections and accounts involved with the identity theft from my report. I attempted to dispute with the bureaus ( Transunion, XXXX, and XXXX ) some times the collection would be removed on XXXX but the other bureau would report it as accurate then I would usually get a message saying they verified the collections as accurate. I reached out to the collections and disputed it with them directly. They sent correspondence acknowledging that I was not responsible for the account and they notified the bureaus to remove the accounts from my report. My report is still showing inaccurate information. How can the company with the debt say they acknowledge its not mine and they are removing the accounts from from my report but the credit bureau send me written statements in the mail after I explained Im unable to mail them anything due to me not having access to the local postal service saying I didnt provide enough information. I dont know the account numbers because I am a victim of identity theft and my rights to fair credit reporting are being violated by the bureaus. The information is vague because the accounts arent mine and I can only access what is seen on my report. I provided a police report and identity theft. Gov paper work proving myself as a victim and the bureaus still send me paperwork requiring I fill out and mail out more affidavits. 15 U.S.C 1681

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

Complaint narrative:
Hello I have requested the credit bureaus remove all Inaccurate collections and accounts involved with the identity theft from my report. I attempted to dispute with the bureaus ( Transunion, XXXX, and XXXX ) some times the collection would be removed on XXXX but the other bureau would report it as accurate then I would usually get a message saying they verified the collections as accurate. I reached out to the collections and disputed it with them directly. They sent correspondence acknowledging that I was not responsible for the account and they notified the bureaus to remove the accounts from my report. My report is still showing inaccurate information. How can the company with the debt say they acknowledge its not mine and they are removing the accounts from from my report but the credit bureau send me written statements in the mail after I explained Im unable to mail them anything due to me not having access to the local postal service saying I didnt provide enough information. I dont know the account numbers because I am a victim of identity theft and my rights to fair credit reporting are being violated by the bureaus. The information is vague because the accounts arent mine and I can only access what is seen on my report. I provided a police report and identity theft. Gov paper work proving myself as a victim and the bureaus still send me paperwork requiring I fill out and mail out more affidavits. 15 U.S.C 1681

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