vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4800.00} XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7600.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$630.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$900.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9000.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian 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 2025-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Complaint : I am filing this complaint against NCB Management Services for inaccurately and unlawfully reporting a vehicle repossession collection on my credit report. This item is being reported with false dates and misleading information, and I am requesting that the Consumer Financial Protection Bureau investigate and take appropriate enforcement action. 

Inaccuracies in Reporting : Incorrect Date of Repossession : NCB Management is reporting the date of the repossession offense as XX/XX/XXXX, but the actual date of repossession was XX/XX/XXXX. This manipulation of dates is a violation of the Fair Credit Reporting Act ( FCRA ) and appears to be an attempt to re-age the debt to keep it on my credit report longer than legally allowed. 

Improper Date of Last Activity : They are also reporting the date of last activity as XX/XX/XXXX, which is a future date and not possible. This appears to be either gross negligence or an intentional misrepresentation that violates the FCRA. 

No Authorization to Report : I have never entered into any agreement with NCB Management Services, nor have I authorized them to report to the credit bureaus on my behalf. I did not agree to pay them, and they have not provided validation of the debt or proof of their legal authority to collect or report it.

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 : NCB is furnishing information that is knowingly inaccurate, which is a direct violation of 623 ( a ) ( 1 ) ( A ).

Re-aging a debt to manipulate the credit reporting timeline is unlawful and deceptive. 

Reporting a future date ( XX/XX/XXXX ) as the date of last activity violates 607 ( b ), which requires maximum possible accuracy in reporting.

2. FDCPA ( Fair Debt Collection Practices Act ) : By misrepresenting the date and legitimacy of the debt, NCB may also be in violation of 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. 

Reporting information without validation or proper authorization can also be considered unfair and unconscionable conduct under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is reporting a XXXX late payment from XX/XX/year> to XXXX. I disputed this with XXXX and asked for verification documentation showing that Affirm provided proper notice or billing statements. I received no documentation just a message stating that Affirm " verified the account as accurate '' in less than XXXX hours. 

This is not a proper reinvestigation under the FCRA. XXXX accepted Affirms unverified response without requiring them to provide any records or proof. I am requesting that this negative mark be removed unless actual evidence is provided. I am also requesting a detailed explanation from XXXX of how their investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 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 non-monetary relief
Consumer complaint received 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Possible Fraudulent Activity and Lack of Response from my Mortgage Company - Rushmore Servicing. 

I am writing to formally lodge a complaint concerning the handling of my mortgage refinancing with Rushmore Servicing. I suspect fraudulent activity related to the interest rate applied to my mortgage after the completion of the refinancing process. 

On XX/XX/year>, I signed the refinancing paperwork with the understanding that the agreed interest rate was 3.5 %. However, upon receiving my first statement, I noticed the new interest rate applied was 8.6 %, which is inconsistent with the terms I agreed upon. 

Since discovering this discrepancy, I have made numerous attempts to contact Rushmore Servicing to resolve this issue. I have called their customer service line several times, sent emails to their corporate headquarters, and submitted requests via their online platform. Unfortunately, my efforts have been met with no response, and I have not received any of the documentation I have repeatedly requested. 

The lack of communication and transparency from Rushmore Servicing has been both frustrating and concerning, given the potential financial implications of this error. I believe this may constitute a violation of my rights as a consumer and potentially fraudulent activity. 

I am seeking your assistance in investigating this matter and facilitating a resolution. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my rights are protected and this issue is resolved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I check my credit reports I was in a data breach. I saw the following INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquires of account submitted identity theft claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Experian Failure to Correct Disputed Accounts, Illegal Late Payment Reporting on Charge-Off and Closed Accounts Summary of Complaint : This is a formal complaint against Experian for repeatedly violating the Fair Credit Reporting Act ( FCRA ) by failing to correct or delete inaccurate and damaging information after formal disputes. Experian continues to report false late payments, even on accounts that are either charged-off, closed, or fully paid, and in some cases, has reported delinquencies after the accounts were no longer active. Despite prior disputes, no corrections were made and no supporting documentation was provided, which is a violation of my rights as a consumer. 

Below are the accounts included in this complaint : -- - XXXX. XXXX XXXX Account # XXXX Status : Charged-off. 

Experian is reporting late payments for XXXX, XXXX, and XX/XX/XXXX, even though the account was already charged off. 

Under the FCRA, reporting late payments after a charge-off is both inaccurate and illegal. 

Violations : 15 U.S.C. 1681e ( b ) and 1681i ( a ) -- - XXXX. XXXX XXXX XXXX Account # XXXX Status : Paid and closed as of XX/XX/XXXX. 

Experian still reports a 30-day late payment in XX/XX/XXXX, despite the account being in final payoff status. 

Violation : Inaccurate reporting and failure to reinvestigate. 



-- - XXXX. XXXX XXXX XXXX Account # XXXX Status : Charged-off. 

Experian continues to report ongoing missed payments through XX/XX/XXXX, long after the charge-off took place. 

Reporting monthly delinquencies after charge-off is misleading and a violation of the FCRA.

Violation : 15 U.S.C. 1681e ( b ) -- - XXXX. XXXX Account # XXXX Status : Active. 

This account was disputed in XX/XX/XXXX, yet Experian made no corrections or verification. 

Late payments are shown despite no valid documentation from the data furnisher. 

Violation : 1681i ( a ) Failure to properly investigate and correct the data. 



-- - XXXX. XXXX / XXXX XXXX XXXX  Account # XXXX * * * * Status : Paid and closed as of XX/XX/XXXX. 

Experian reports 30-, 60-, and 90-day late payments for XXXX through XX/XX/XXXX. 

These derogatory marks should have been removed after the dispute in XX/XX/XXXX, but no changes were made. 

Violation : 1681i ( a ) Failure to correct inaccurate information after 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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date : XX/XX/year> Amount {$6500.00} LVNV Funding LLC is sending email to personal friends - The collection company is reaching out to people I personally know as friends and family without MY knowledge XXXX approval. I have never provided any such information they are using against my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello this is XXXX XXXX, I was going through paperwork and found the lawsuit from XXXX XXXX XXXX XXXX, for the amount of {$5100.00}, and have called me nonstop and told me that they were going to have me thrown in jail for 7 years and take all my stuff. So on the third page of the filed civil citation in the precinct XXXX court, with case # XXXX. They might want to think about this and drop th ed case, before I go to a XXXX XXXX XXXX XXXX in XXXX TX. Judge XXXX. And show him that in XXXX I was in the XXXX. at XXXX XXXX, XXXX, Alabama. And the XXXX. database was breached and XXXX inmates personal files information what's stolen. I was informed by the XXXX that my information was stolen. I say all this to say and show you and the lawyers and Judge that XXXX XXXX XXXX got my personal identity information and has it on the third page of the lawsuit and it has the date I knew I'd didn't take this loan out. I didn't know anything about it and it's not on my credit report. On the days they said, in XXXX never took this loan out. This is false information. They gave the court. And i'm fixing to prove it to you by the pictures i'm fixing to show you I will take this to a federal judge if they do not drop this i started XXXX XXXX with the XXXX in XXXX and was released from XXXX custody to go to the XXXX XXXX in XXXX. I have all the paperwork to show it.thank you for you time and helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This complaint is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are seriously affecting me, and I urgently need them corrected or removed.

Company response to consumer: Closed with non-monetary relief