vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution 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 2025-10-28 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: IL

Complaint narrative:
I am submitting this complaint against TRANSUNION for multiple violations of the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ). My most recent credit file obtained from TRANSUNION contains materially inaccurate and obsolete information related to the following accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX ( Date Opened : XX/XX/year>, Balance : {$5500.00} ) Each of these accounts demonstrates clear inconsistencies in reporting and a failure by TRANSUNION to ensure the maximum possible accuracy of consumer data, as required under 15 U.S.C. 1681e ( b ). Despite prior written disputes and requests for method of verification, TRANSUNION has failed to perform a lawful and reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and has continued to furnish misleading or unverifiable data to third parties. 

XXXX XXXX XXXX XXXXXXXX account, opened in XX/XX/year> and listed as Charged-Off, is a direct violation of the FCRAs seven-year reporting limitation under 15 U.S.C. 1681c ( a ) ( 4 ). This account exceeds the permissible obsolescence period and should not appear on any consumer credit report. The continued reporting of this item reflects willful noncompliance under 15 U.S.C. 1681n and 1681o, and demonstrates a failure to apply proper aging and deletion protocols consistent with CFPBs data accuracy standards. 

Similarly, the XXXX XXXX and XXXX XXXXXXXX XXXX accounts contain inconsistent or unverifiable information, including irregular payment history data and unresolved balance reporting, indicating noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 data furnishing guidelines. These inaccuracies have caused measurable harm to my creditworthiness and have resulted in adverse financial consequences. 

Under Illinois State Law ( 815 ILCS 505/2 ), TRANSUNIONs ongoing reporting of false, misleading, and outdated information constitutes an unfair and deceptive business practice. Illinois law prohibits any act that misrepresents or conceals material information to the detriment of a consumers financial standing, particularly when the entity has been notified and fails to correct the inaccuracy.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
What happened : This complaint is related to my prior CFPB case against Midland Credit Management. Midlands response to that case indicated that they claim ownership of multiple accounts in my name. This specific complaint concerns Account No. XXXX, with a current balance of {$5600.00}. 

Midland has not provided proper legal validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The verification information they claim to have provided does not include : A copy of the original signed contract or agreement, A complete payment history showing how the balance was calculated, and Proof of ownership or chain of title showing that Midland has the legal right to collect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers must ensure maximum possible accuracy when reporting to credit bureaus. Reporting or attempting to collect this debt without full validation risks inaccurate reporting and violates the FCRA. 

I am requesting that Midland Credit Management either : Provide full legal validation as outlined above, or Cease all collection efforts and delete/remove any reporting from my credit files with XXXX XXXX XXXX XXXX 

This account remains disputed, and I reserve all rights under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
What happened : This complaint concerns Account No. XXXX, which Midland Credit Management claims to own with a current balance of {$1400.00}. This issue is related to my prior CFPB filing against Midland, in which I disputed the validity of this alleged debt.

Midlands response did not provide full legal validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The documentation they referenced does not include : The original signed contract or agreement with the original creditor, A complete payment history or accounting showing how the balance was calculated, and Proof of ownership or legal assignment establishing Midlands right to collect this account. 

Midlands statement that it mailed validation letters and that its verification information meets FDCPA requirements does not satisfy the statutory obligation to provide adequate proof that I owe this debt and that Midland has the legal authority to collect it.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers must ensure the maximum possible accuracy of information they report to consumer reporting agencies. Reporting or attempting to collect an unvalidated debt risks inaccurate reporting and violates this requirement. 

I request that Midland Credit Management either : Provide full legal validation of this debt as outlined above, or Cease all collection efforts and delete/remove any reporting related to this account from my credit files with XXXX XXXX XXXX XXXX 

This account remains in dispute, and I reserve all rights under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) regarding inaccurate late-payment reporting. I also request, under 1681i ( 7 ), a written description of the reinvestigation procedure you use. 
The following tradelines require reinvestigation : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  Several late payments from XXXX are being reported inaccurately. Please verify the payment history directly with the furnisher and remove any unverifiable derogatory entries. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  This account is closed and paid in full. It should not contain any late or past-due designations. Please verify accuracy or remove any incorrect late-payment notations.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I need help, I never use an American Express card but Ive been receiving letters in the mail telling me that I have to pay a balance but Ive never used this card before and its not me making charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-28 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-28 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Summary of Complaint : I obtained a mortgage through XXXX XXXX  in XX/XX/year>. Without my consent or adequate notice, the servicing of my loan was transferred from XXXXXXXX XXXX to Shellpoint Mortgage Servicing, and now Shellpoint has transferred it again to XXXXXXXX XXXX 

I never received the required Notice of Servicing Transfer letters from either the previous or new servicers as mandated under the Real Estate Settlement Procedures Act ( RESPA ), Section 6. This has caused confusion and concern about where to send payments and whether my account information is secure. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether these companies violated federal mortgage servicing transfer requirements and ensure that all documentation and notices are properly provided. 

Companies involved : XXXX XXXX ( original lender ) Shellpoint Mortgage Servicing ( first servicer ) XXXXXXXX XXXX ( current 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
Consumer complaint received 2025-10-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1987 SSN ( last 4 ) : XXXX Phone : [ Optional ] Email : [ Optional ] Date : [ XXXX ] [ TransUnion / Experian / Equifax ] [ Bureau Address ] RE : Identity Theft Mandatory Blocking of Fraudulent Accounts 15 U.S.C. 1681c-2 To Whom It May Concern, I am the victim of identity theft. The following accounts appearing on my credit report are fraudulent, unauthorized, and must be blocked and deleted : XXXX XXXX Reported Collection/Charge-Off Reported balances approx. {$1000.00} Status inconsistent across bureaus ( duplicate reporting ) Milestone Collection/Charge-Off / Purchased by another lender Fraudulent account, no authorization XXXXXXXX XXXX XXXX XXXX XXXX Placed for Collection / Derogatory Approx . {$980.00} balance, no contract or signature provided All required documents are attached : Government-Issued ID Proof of Address Screenshots of reporting errors Under 15 U.S.C. 1681c-2, you must block these items within 4 business days of receipt. 

Please send written confirmation once completed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1987 SSN ( last 4 ) : XXXX Phone : [ Optional ] Email : [ Optional ] Date : [ XXXX ] [ TransUnion / Experian / Equifax ] [ Bureau Address ] RE : Identity Theft Mandatory Blocking of Fraudulent Accounts 15 U.S.C. 1681c-2 To Whom It May Concern, I am the victim of identity theft. The following accounts appearing on my credit report are fraudulent, unauthorized, and must be blocked and deleted : XXXX XXXX Reported Collection/Charge-Off Reported balances approx. {$1000.00} Status inconsistent across bureaus ( duplicate reporting ) Milestone Collection/Charge-Off / Purchased by another lender Fraudulent account, no authorization XXXXXXXX XXXX XXXX XXXX XXXX Placed for Collection / Derogatory Approx . {$980.00} balance, no contract or signature provided All required documents are attached : Government-Issued ID Proof of Address Screenshots of reporting errors Under 15 U.S.C. 1681c-2, you must block these items within 4 business days of receipt. 

Please send written confirmation once completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC.
State: VA

Complaint narrative:
XX/XX/XXXX loan denial NVR mortgage XX/XX/XXXX more clarification on loan denial and what was presented to underwriting do to sale manager staying something different. 
XX/XX/XXXX reached out to management because IRS information and payment plan was withheld from underwriting. 
I have email of all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am filing this complaint against EXPERIAN for their failure to ensure accurate and verifiable reporting under the Fair Credit Reporting Act ( FCRA ) and related U.S. Federal and Illinois State consumer protection laws. My recent credit disclosure from EXPERIAN dated XX/XX/year>, contains serious inaccuracies concerning the following accounts : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both accounts are reported in a manner inconsistent with the factual payment history and fail to meet the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ). EXPERIAN has also failed to perform a lawful and good-faith reinvestigation as mandated by 15 U.S.C. 1681i ( a ), despite prior disputes and notices sent directly to them. These accounts appear to contain unverifiable, incomplete, or misleading information, which materially affects my creditworthiness. 

Furthermore, EXPERIANs continued publication of inaccurate data constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o, and violates Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ) for misrepresenting consumer data to third parties without reasonable verification. Illinois law prohibits deceptive reporting or failure to maintain fair business practices that harm a residents financial reputation.

I am requesting immediate removal or full factual verification of both accounts, including all supporting documentation, consistent with Metro 2 compliance standards and CFPB guidance on data furnishers. If verification can not be produced from the original creditor, these accounts must be deleted promptly from my EXPERIAN file under FCRA 611 ( a ) ( 5 ).

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