vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MA

Complaint narrative:
All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit informatio n. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-05-06 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NV

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. 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. I am not reliable for any debt with any creditors. I do not have any contracts with any of these collection agencies nor is there any signed paperwork stating I owe them any debt. They did not provide any original paperwork stating this. Delete these accounts immediately! All Accounts listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 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 account 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Never authorized or signed any documents for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 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 non-monetary relief
Consumer complaint received 2025-05-06 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows 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

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 2025-05-06 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 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 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notification at approximately XXXX PM XXXX on XX/XX/year> that a hard inquiry was added to my credit report from Capital One Bank. I immediately contacted the bank and reported what I later found out was a credit card application, as fraud. 

I was asked to verify my social security number, full name, date of birth, and address. The representative confirmed that the address on the application differs from the one I provided for verification. They labeled the application as fraudulent, and told me their department would need XXXX business days to investigate the occurrence. Once they conclude their investigation, they will cancel the application and send a report to the XXXX credit bureaus : Experian, TransUnion, and Equifax to notify them that the hard inquiry on my account is fraudulent. I was told I will need to wait about XXXX days for the inquiry to be removed from my report this way. 

I was instructed to contact each credit bureau individually, place a fraud alert on all three credit bureau reports, and request a dispute for the inquiry with each bureau, as this will get the hard inquiry removed much more quickly. 

After contacting Experian, they were able to remove the inquiry within approximately XXXX hours of my opening the dispute. TransUnion and Equifax require an application from this website be filed and submitted before they will investigate and dispute the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-05-06 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:
Subject : Urgent Dispute of Inaccurate XXXX Collection Reported to Equifax via XXXX To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint regarding a XXXX XXXX collection account that has been inaccurately reported to my Equifax credit file by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$760.00} Reporting Agency : Equifax via XXXX XXXX Confirmation Number : XXXX This collection account is false and unjustified. It is severely impacting my creditworthiness at a critical time, as I am in the process of obtaining business credit and financing. 

On XX/XX/XXXX, I spoke directly with XXXX XXXX, and they confirmed that the balance was due in error. The representative acknowledged that I had returned the device associated with the account, and I was assured that my balance would be updated to {$0.00}. 

I have provided XXXX with all required supporting documents, including : A copy of my valid government-issued ID Payment confirmation Proof of device return Despite XXXX  confirmation, and despite referencing this matter with XXXX under the confirmation number XXXX, Equifax is still reporting a {$760.00} collection that is entirely inaccurate. 

This reporting : Violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable consumer information Contradicts Metro 2 Compliance Standards, which prohibit furnishing or maintaining inaccurate data Is actively harming my ability to secure legitimate business credit I am urgently requesting : The immediate deletion or correction of this XXXX XXXX account from my Equifax report A full CFPB investigation into the conduct of XXXX XXXX, XXXX, and Equifax Written confirmation from all relevant parties once the account is removed or corrected This issue is time-sensitive and materially affecting my professional ventures. I am not seeking escalation for the sake of it I simply want what is fair : accurate reporting and swift resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Last 4 of SSN : ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
Subject : Urgent Dispute of Inaccurate XXXX Collection Reported to XXXX  via NCTUE To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint regarding a XXXX XXXX collection account that has been inaccurately reported to my XXXX  credit file by National Consumer Telecom and Utilities Exchange ( NCTUE ). 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$760.00} Reporting Agency : XXXX  via NCTUE NCTUE Confirmation Number : XXXX This collection account is false and unjustified. It is severely impacting my creditworthiness at a critical time, as I am in the process of obtaining business credit and financing. 

On XX/XX/XXXX, I spoke directly with XXXX XXXX, and they confirmed that the balance was due in error. The representative acknowledged that I had returned the device associated with the account, and I was assured that my balance would be updated to {$0.00}. 

I have provided XXXX with all required supporting documents, including : A copy of my valid government-issued ID Payment confirmation Proof of device return Despite XXXX confirmation, and despite referencing this matter with NCTUE under the confirmation number XXXX, XXXX  is still reporting a {$760.00} collection that is entirely inaccurate. 

This reporting : Violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable consumer information Contradicts XXXX XXXX Compliance Standards, which prohibit furnishing or maintaining inaccurate data Is actively harming my ability to secure legitimate business credit I am urgently requesting : The immediate deletion or correction of this XXXX XXXX account from my XXXX  report A full CFPB investigation into the conduct of XXXX XXXX, NCTUE, and XXXX  Written confirmation from all relevant parties once the account is removed or corrected This issue is time-sensitive and materially affecting my professional ventures. I am not seeking escalation for the sake of it I simply want what is fair : accurate reporting and swift resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Last XXXX of XXXX : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
As the XXXX XXXX  moves further away from our memories. There are still remnants of the two to three year period of time that has left their effects and hardship of the experience. One such pending hardship stems from the complaint made during the XXXX Cares Act XXXX exit period, miscommunications and threats of mortgage foreclosure to name a few incidents. 
My family has filed complaints to relative agencies and legal counselors with regard to substantial damages and no recompense to date. 
An attorney on retainer spanned from XXXX, XXXX through XXXX, XXXX to represent my family grievances against our mortgage servicer and the subsequent arbitration process was a disaster. My familys complaint case did not receive the representation that addressed any corrective actions to remedy our concerns. The details of our complaint of violations of contract handling of our mortgage loan during the forbearance period and exit to deferral process has left a trail of unaddressed issues regarding our mortgage loan and the personal financial hardship by neglect of rules & violations committed by NewRez aka shellpoint mortgage servicing can be reviewed in a detailed and comprehensive letter in response. A written rebuttal to the closed case to the TDSL ( The Department of Savings and Lending ) written by the law office of XXXX XXXX XXXX. 
XXXX and XXXX XXXX are requesting a review of the handling of our complaint. Allegations of rules and violations detailed in the rebuttal ( Please see enclosed attachment for your review of rebuttal to closer of our case ) to closer of XXXX XXXX XXXX has not be addressed to our satisfaction to this point of escalation. The XXXX family has only experienced miscommunication, conflicts, and missed dates/deadlines for action taken on our behalf in the representation provided to us.

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 2025-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I wanted all closed accounts from my file to be removed.

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 2025-05-06 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I wanted all closed accounts from my file to be removed.

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 2025-05-06 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: PA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX I am writing to delete the following information from my file. The items I deleted are listed in the report. I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, and affidavit. Please delete this items as soon as possible Account Name : XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$220.00} Account Name : XXXX  XXXX Account Number : XXXX Date Open : XXXX XXXX Account Balance : {$140.00}

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
My identity was used to open fraudulent accounts. I checked my credit today, XX/XX/XXXX, and these accounts were listed on my credit report. I have been on Iowa State benefits since XXXX and have resided in XXXX, Iowa and IXXXX XXXXXXXX, IA. I have not lived outside of Iowa after XXXX. I can not work due to a XXXX XXXX XXXX XXXX XXXX XXXX  ). I did not apply for these accounts. I have had the same email XXXXXXXX XXXX for 24 years and the same telephone number XXXX for 14 years. Any accounts opened with XXXX XXXX XXXX XXXX XXXX, CA XXXX is fraudulent. I have never lived there. Any phone number associated with these accounts that is NOT XXXX, is fraudulent. I will fight this negative reporting legally by suing the creditors and collection agencies reporting these fraudulent accounts. If needed, I can provide my Iowa driver 's license, etc

Company response to consumer: Closed with non-monetary relief