vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already disputed my XXXX XXXX XXXX ( XXXX ) due to inaccuracies and again none are fixed. You even adjusted false information for more false information. I missed my first payment and never caught up on XX/XX/XXXX based off information I received from XXXX that I will attach below. With that being said my XXXX would be XX/XX/XXXX since I was never current following that and never made up that payment. How would my charge off be over 2 years later on " XX/XX/XXXX when it became over 120 days past due ''? That is extending the statue of limitations and again a violation of my rights. For the second time I am requesting names and buisness contact information on who is involved in these faulty " investigations ''. I will also attach inconsistent payment history across different bureaus as well which also should have been corrected on the first dispute as well as contradictory adjustments from your most recent response. If you are going to report my information as a furnisher it by law needs to be accurate and consistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Real Time Group, Inc.
State: ME

Complaint narrative:
This information applies to my previous complaint XXXX and was not added because it was not realized until I did further research. I apologize for the error. 

To review, Real Time Resolutions claimed they had a second mortgage on our home and stopped our sale process with a claim of owing them over {$60000.00} on XXXX, XXXX, on an original {$47000.00} loan. They were supposedly working with our realtor to clarify our obligation, but continued to stall the process another three months by not supplying proof of mortgage as requested. On XX/XX/year> Real Time Resolutions registered a document, which was supposedly a mortgage, at the XXXX XXXX Registry of Deeds, still not informing us of this. Upon examination of Real Time Resolutions website, ( https : //www.realtimeresolutions.com/about-us/ ), a scroll to the bottom of the page lists the states RTR is licensed to serve mortgages and the state of XXXX, where my home is located, is NOT on this list. In summation, Real Time Resolutions has spent the last three months stopping sales of our property under the false claim that they hold a valid 2nd mortgage that they NEVER notified us about in 17 years, causing us severe stress, suffering, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
In XXXX of XXXX I canceled services with XXXX, not of XXXX XXXX just found new service. For months they continued to billed me. I finally called and told them they were to remove all forms of payment from my account and they have no permission to continue to do business with me or my credit card. They did, and I got an email stating I owed an unpaid balance. I went to a brick and mortar location and explained the situation. XXXX decided to credit me my remaining balance of {$250.00} and * officially * closed my accounts. This happened on XX/XX/XXXX. 

13 months later a collections was filed against my credit for {$250.00} ( now higher with their fees or interest or whatever ) I contacted XXXX for hours, and the collections company. No resolution, no willingness to find this credit that I have proof of. They even went as far as to tell me i was being fraudulent. This is a TLS encrypted email from their automated system. I have an 800 credit score, Ive never missed a payment. I am in the midst of a {$1.00} XXXXXXXX XXXX commercial real estate purchase. They have tanked my credit by 70 points. 

XXXX never communicated an overdue balance. I have had no billing emails or communication from XXXX since our amicable resolution on XX/XX/XXXX. I can not access my account to see the credit I was provided, or my billing statements. 


Its clear that my account was closed in XX/XX/XXXX. Its clear that they provided me with a {$250.00} credit at my time of closing my account. And its clear that I havent been communicated to in 13 months. Their billing and business practices are illegal, immoral and damaging. They are abusing the consumer credit reporting agencies and weaponizing a system that we all depend on so deeply.

Ive attached 2 documents and willing to provide anymore I can, although a portion of them are likely locked away in my inaccessible XXXX account. 

1. A snapshot of XXXX  showing the credit collection and the original balance of {$250.00} from XX/XX/XXXX XXXX. A copy of the TLS encrypted email sent to me from XXXX automated system notifying me of my {$250.00} credit in XX/XX/XXXX. 

Coincidence? Not likely.

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 2025-05-07 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:
Pursuant to XXXX XXXX XXXX I am a victim of identity theft. I never gave authorization for these accounts to report on my consumer reports by the consumer reporting agencies. FCRA XXXX states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of the receipt. And I was affected by the Equifax Data breach, My personal information was exposed. see attached document from the EQUIFAX DATA BREACH explaining that I was affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
My boyfriend passed away and left me heir to the estate I was not notified that I was heir until after they planned to forclose in the house that I have called my home for the past XXXX years the pay off was at XXXX at the time I was notified I spoke to the paralegal at least twice a week about purchasing the house, I followed all the instructions that were given to me I was never contacted by anyone the only response that I did receive was an email saying that I couldn't pay the house off, my dad offered them cash to pay off the reverse mortgage loan in my behalf we did not need any financing. But they ignored myself to pay the loan, I've called this place home for XXXX  years now, I can't afford a lawyer so I feel like they are taking advantage of the situation. It is finance of America and Hud... I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

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 2025-05-07 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:
I am filing a complaint to formally dispute certain inaccurate items in my credit report, as provided to me on Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. 
The following items appear to be inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX 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 explanation
Consumer complaint received 2025-05-07 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report, and I did not recognize some hard inquiries. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. I did not authorize the following hard inquiries or were made in error. I request that they be removed from my credit report immediately. 
Disputed Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : Transunion : XXXX XXXX Correct name : XXXX XXXX XXXX FTC : 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 2025-05-07 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Complaint Regarding Lack of Debt Verification from Transworld Systems Inc Dear CFPB, I am submitting this complaint because Transworld Systems Inc has reported despite my formal requests. 

I exercised my right under the Fair Credit Reporting Act ( FCRA ) to dispute the debt and requested verification from Transworld Systems Inc. However, they failed to provide any evidence such as the ( Full signed agreement ) and any information that substantiates the legitimacy or accuracy of the debt in question. 

Transworld Systems Inc failure to provide verification undermines my ability to understand, address, or resolve the issue, and this inaccurate reporting has negatively affected my credit standing. 

I respectfully request the CFPB to review this matter and take appropriate action to ensure Transworld Systems Inc complies with their legal obligation to investigate disputes and provide consumers with proper documentation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am exercising this right to review the contents of my report to ensure its accuracy, understand what information is being reported about me, and identify any potential errors that could affect future housing opportunities. I understand that I am entitled to access this report under the Fair Credit Reporting Act ( FCRA ), which grants individuals the right to obtain information collected and used by consumer reporting agencies, including tenant screening agencies.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. CXXXXe XXXXe ( XXXX ) Debt collectors are legally obligated to adhere to 15 U.S. CXXXXe XXXXe ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am exercising this right to review the contents of my report to ensure its accuracy, understand what information is being reported about me, and identify any potential errors that could affect future housing opportunities. I understand that I am entitled to access this report under the Fair Credit Reporting Act ( FCRA ), which grants individuals the right to obtain information collected and used by consumer reporting agencies, including tenant screening agencies.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: TX

Complaint narrative:
I am exercising this right to review the contents of my report to ensure its accuracy, understand what information is being reported about me, and identify any potential errors that could affect future housing opportunities. I understand that I am entitled to access this report under the Fair Credit Reporting Act ( FCRA ), which grants individuals the right to obtain information collected and used by consumer reporting agencies, including tenant screening agencies.

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 2025-05-07 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:
Hey Equifax! This account was charged off on the following date ( XXXX XXXX ) since then the account has repeatedly been updated as charged off every month, I have notified you multiple times already and this is really affecting my credit score, Theses updates on payment history affect my credit score. A charge off account should not include an active payment history ; this inaccurate information falsely manipulates the statute of limitations. This violated my right according to the law .You failed to investigate this account properly and your neglect has violated my rights I am demanding to please a deletion of the following account : -XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), which requires a response within XXXX days. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
An unauthorized inquiry appeared on my credit report this morning, and it caught me completely off guard. I thought it might be a display issue and refreshed my browser, but nothing changed. I am very upset about this and demand that my documents be reviewed immediately to put an end to this problem once and for all.

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 2025-05-07 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/inquiries reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I don't recognize the address on my credit report and I want it removed. I tried to contact Experian several times about this on the phone and through their portal and they have done nothing to remedy the situation.

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