vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-05-02 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: MA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX XXXX, XXXX. 
Account number XXXX, Account Number. According to 15 USC 1681s-2 ( a ), furnishers are required to provide accurate and complete information to the credit reporting agencies. 
Upon reviewing my credit report, I noticed that late payments were reported on the following

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This complaint arises out of proceedings in my current XXXX  XXXX Bankruptcy XXXX, in the XXXX XXXX Maryland. XXXX XXXX has filed an objection to my XXXX  XXXX XXXX and I am in the process of amending the Plan to include the secured creditor and confirming the correct creditor/servicer relationship will allow the Plan to proceed in a manner that protects the interests if all parties. However, Unclear Creditor Identity and Servicer Confusion : While XXXX XXXX has filed the objection, it remains unclear whether it is the appropriate secured creditor or real party in interest. I've consistently made all mortgage payments to Shellpoint Mortgage Servicing ( Shellpoint ) and received all loan-related correspondence exclusively from Shellpoint. To date, I am not familiar with nor has there has been any direct communication or documentation from XXXX XXXX or Newrez during the course of the loan or prior to this objection. I am prepared to continue making regular payments and to include the appropriate party in the XXXX  XXXX Plan once such clarification is provided. 



Servicing Relationship Not Disclosed The objection filed by XXXX XXXX fails to identify or acknowledge Shellpoint as the servicer of the loan. This omission contributes to confusion about whether XXXX XXXX holds the beneficial interest in the note, or whether Shellpoint is acting on behalf of another entity. Public records on XXXX XXXX website suggest the mortgage may be associated with the subject property, but without formal notice or confirmation of the servicing arrangement, I can not determine with certainty the identity of the secured creditor.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
My card was stolen when I was incarcerated I sent chime proof after my dispute they kept denying my claim I ended up being homeless behind this it ruined my life I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I receive SSI so I get {$990.00} every month and chime is always finding ways around to take extra money from me and every time its a problem where I have to dispute little amounts of money and they send it back the same day or next day. This time is ridiculous they took {$100.00} dollar from my account on subscription I no longer have on my phone and when I disputed it they told me I would get it the same day it had been 3 days I called know they are trying to me I wont get my money till XX/XX/XXXX? My own money that was taken from me this is ridiculous chime is a big joke and scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management This company has reached out to me via phone multiple times. The last three times Ive had the same conversation with this company and they are threatening to sue to me. I told them I could pay {$40.00} toward my debt and they continue to say they can work with me but refuse to do so. {$40.00} a month is the only amount I can pay towards my debt. They called me today trying to get me to pay more AGAIN. After talking with them a few days ago about the same thing. Every phone call threatens me with a lawsuit and says they can work with me but are refusing to take my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am filing this complaint because I have identified a fraudulent or inaccurate student loan account being reported by Mohela on both my XXXX and XXXX  credit reports. These reports reflect different account numbers for the same alleged debt, both showing I am XXXX days past due, yet oddly list a perfect payment history since XXXX. I have never taken out a loan with Mohela, nor have I ever made any payments to them. This account does not belong to me. 

I sent Mohela a formal debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA ), requesting documentation proving the legitimacy of this account. To date, I have received no response or verification from them. Their failure to respond and continued reporting of this account constitutes a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau investigate this matter and that this inaccurate and unverified account be permanently removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX Subject : Dispute of Fraudulent Accounts and Address Due to Identity Theft 15 USC 1681c-2 Dear To All Bureuas, I am writing to formally dispute fraudulent information appearing on my credit report due to identity theft, pursuant to 15 USC 1681c-2 , which requires credit bureaus to block information resulting from identity theft upon receipt of appropriate documentation. I am a victim of identity theft, and the following accounts and address listed on my credit report are fraudulent and were not authorized by me. 

Fraudulent Accounts : XXXX XXXX  ( Account Number : XXXX ) Balance : {$3700.00} XXXX XXXX ( Account Number : Unknown ) Balance : {$1400.00} Fraudulent XXXX XXXX XXXX XXXX, XXXX, AL XXXX These accounts and the address listed above are the result of identity theft perpetrated by alleged former roommates. I have never resided at the listed address, nor did I open or authorize the above accounts. Enclosed, please find the following documentation to support my claim : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) is included. 

Proof of my identity both copy of my drivers license and Social Security card are included Proof of my current address included is a copy of my utility bill for XXXX XXXX XXXX XXXXXXXX, XXXX, AL XXXX Under 15 USC 1681c-2, I request that you immediately block the above-referenced fraudulent accounts and address from my credit report and cease reporting this information. Additionally, please provide me with a written confirmation of the removal of these items and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recieved a call from XXXX in XXXX some time and i was able to get my loans deferred to a later date we spoke we agree and my account is at a XXXX balance a few days later my credit score dropped XXXX point on all credit bureaus even though Im not delinquent or late.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recieved a call from XXXX in XXXX some time and i was able to get my loans deferred to a later date we spoke we agree and my account is at a XXXX balance a few days later my credit score dropped XXXX point on all credit bureaus even though Im not delinquent or late.

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 2025-05-02 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: TX

Complaint narrative:
I recieved a call from XXXX in XXXX some time and i was able to get my loans deferred to a later date we spoke we agree and my account is at a zero balance a few days later my credit score dropped XXXX point on all credit bureaus even though Im not delinquent or late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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 2025-05-02 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: TN

Complaint narrative:
This inaccurate reporting is having a negative impact on my credit and does not reflect the correct status of the account. They are reporting. I have attached documents showing every inaccurate information they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Credit Resource Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 1. Violates 15 U.S.C 1681c ( FCRA ), Section 605 2. 15 U. S. C 1681e ( FCRA ) Section 607.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXXXXXX XXXX {$810.00} XX/XX/year> XXXX XXXX  Balance {$1700.00} XX/XX/year> XXXX XXXX  Balance {$2700.00} XX/XX/year> XXXX XXXXXXXX XXXX XXXX  Balance {$12000.00} XX/XX/year> 2025

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 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NV

Complaint narrative:
I am escalating this complaint regarding Credit Control XXXX XXXX XXXX Account XXXX XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within five ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence '' of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights.

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 2025-05-02 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts on my credit report. These accounts were reported in violation of my consumer rights under 15 U.S.C. 1618b, and I am requesting their immediate blocking and deletion in accordance with federal law. 

Accounts to be removed : 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  Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request written confirmation once these accounts have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts on my credit report. These accounts were reported in violation of my consumer rights under 15 U.S.C. 1618b, and I am requesting their immediate blocking and deletion in accordance with federal law. 

Accounts to be removed : 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  Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request written confirmation once these accounts have been 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 non-monetary relief