vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I requested information on XX/XX/year>XXXX  and have not received a response to date. 

1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-off 4. Date of Application with your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IN

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 2025-03-10 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request for Debt Validation on balance of {$840.00} Dear Midland Credit I am writing in response to my previous inquiry in regards to this account alleged debt you claim on own. Under the Fair Debt Collection Practices Act 15 U.S.C 1692g I am requesting validation of this debt, Including the following information : 1. The original creditors name and address 2. The amount of the debt, including any fees or interest added.

3. A copy of the signed agreement or contract proving I own this debt.

4. Proof that your company has legal right to collect this debt.

5. A detailed payment history showing how the amount was calculated. 
Until you provide this verification, I request that you cease all collection activities including reporting this debt to credit bureaus, as unverified debts should not be reported. Additionally, if the this debt is incorrect or if I am not responsible for it, I request that you update your records accordingly and cease further contact regarding this matter. If you fail to provide proper validation, I will consider this matter closed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: WA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
CFPB or whom it may concern : XX/XX/XXXXXXXX  i was made aware on my credit that i owed XXXX with this company HUNTER WARFIELD, I did further investigation and come to find out they was hired from another company i had a dispute with that was dismissed without prejudice in a court ruling XXXX XXXX ; i then sent documents to HUNTER WARFIELD , and did numerous disputes with XXXX XXXX /XXXX  and XXXXXXXX also sent to the company HUNTER WARFIELD the dismissal from the court. 
XXXX removed it ; but XXXX has not* XX/XX/XXXXXXXX  i contacted HUNTER WARFIELD XXXX with the documents from the court, they failed to acknowledge dismissal, and still kept reporting on my credit. CFPB, respectfully please help ; the judge dismissed this, i never hired these people or received services from HUNTER WARFIELD ; i truly believe respectfully this is violating any statue rights of limitation as well with understanding i owe nothing due to court documents ruling XXXX XXXX XXXX XXXX case was also closed respectfully i owed no rent or anything, but the company falsified information. 
respectfully requesting this be removed immediately due to rendering the claim was invalid ; respectfully requesting any credit companies with this please cease further reporting of this alleged debt ; respectfully if this is not removed immediately, i am prepared to escalate this matter with CFPB, FEDERAL TRADE COMMISSION, and my STATE ATTORNEY and pursue legal action for FCRA violations, i appreciate your prompt attention to this matter of this inaccurate account and expect respectfully written confirmation of resolution within *30days*as required by the FCRA, sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
in accordance with the fair reporting act list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.account name XXXX account XXXX  XXXX account name XXXX XXXX account XXXX XXXXXXXX account name XXXX XXXX account XXXX XXXXXXXXXXXX account name XXXX account XXXX XXXXXXXX i looked at my transunion credit report and noticed somethings are incorrect and 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 the report relates according to 15 USC 1681EB and according to 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) in generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file. and according to15 USC 1681 S-2 they are not supposed to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The company Credit Acceptance is improperly showing that I owe monies for the XXXX XXXX. This is showing that I owe monies on this account when I don't because it was included in my bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have found late payment remarks that are completely inaccurate and do not reflect my actual payment history. These errors are not only misleading but also unfairly lower my creditworthiness, making it difficult for me to access financial opportunities that I rightfully deserve. 

Some of these late payment marks appear on accounts where payments were made on time, while others may have resulted from reporting inconsistencies or clerical errors. Additionally, if the reported late payments can not be backed by verifiable documentation with clear proof of delinquency, they should not remain on my report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be fully accurate, verifiable, and free of misleading data. 

To resolve this issue, I request that all inaccurate late payment remarks be corrected and updated to reflect an accurate payment history. If the reporting companies are unable to provide solid documentation proving the legitimacy of these late payments, they must be promptly removed from my report. I expect immediate corrective action to ensure my credit file accurately represents my financial responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
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 2025-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lennar Financial Services, LLC
State: CO

Complaint narrative:
Previously I had complained about XXXXXXXX XXXX XXXX and the representative wrote back and summarized I am committing Mortgage Fraud, simply by making a compliant. I requested mortgage verification and XXXX XXXX  XXXX provided verification to a home loan for XXXX XXXX in XXXX XXXX For obvious reasons this can not be considered debt validation for my debt by XXXXXXXX XXXX XXXXXXXX, however they also breached the information security of XXXX XXXX which has been reported to the proper authorities. XXXX XXXX has also failed to record the assignment documentation, required within 90 days of the transfer from Lennar Mortgage LLC to XXXX XXXX  XXXX. 

XXXXXXXX XXXX  XXXX, as well as Lennar Mortgage LLC. have failed to provide the following information : I am doing a post loan audit on Lennar Mortgage. Previously I had asked another person and she referred me to the legal department, however I have sent multiple correspondence to legal and Lennar Mortgage LLC with no luck on response. Please forward this email to the correct department that may be able to assist my audit.

Please describe the process Lennar Mortgage LLC takes to ensure proper paperwork is provided to the borrower at closing?

Describe how Lennar Mortage LLC ensures the notary was present during the signing of the home loan closing documents? Is there evidence of this to be true for my loan closing? 

Describe why I, the applicant of this home loan, was not informed that based on my signature and endorsement of the security instrument ( note ) the funds would be immediately available to Lennar Mortgage LLC? 

Please describe the security instrument transfer and why the beneficiary is XXXX however Lennar Mortgage LLC failed to register the loan with the beneficiary? 

Please provide the properly filed UCC-1 Financial Statement on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or against I, the borrower. 

Please provide the financial statement which shows Lennar Mortgage LLC was indebted ( debit ) by the amount I paid for the property, upon my signature on the security instrument. 

Please provide the full chain of endorsements on the transfer of this security instrument from Lennar Mortgage LLC to XXXXXXXX XXXX XXXXXXXX, current mortgage servicer.

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