vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: FL

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 2025-03-23 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: CT

Complaint narrative:
My mortgage payment with XXXXXXXX XXXX XXXX was lowered by $ XXXX starting XX/XX/year>. I mistakenly thought that lower payment began XX/XX/year> therefore I was {$65.00} negligent on my XX/XX/year> mortgage payment. I ignored their communications since I had paid my mortgage payment and did not realize until I got the XXXX statement that I made a mistake and I corrected problem immediately. This happened all within approximately 30 days time in during I was negligent only {$65.00} which was promptly repaid. During that time my mortgage company did not credit any of the money I paid toward my mortgage which made it seem as though I was a month behind in payments, reflecting negatively on my credit report. I have not been late ever and have excellent payment history with XXXX XXXX  in the nearly 3 years since the took my mortgage over from the previous lender with whom I also had a stellar record. However, after numerous conversations with them they refused to reverse the misinformation sent to credit reports, which has impacted other accounts and loans of mine.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

This has violated my rights.

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
Recently, I checked my credit report and saw a fraudulent account that does not belong to me.

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 2025-03-23 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 am submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. 

XXXX XXXX XXXX XXXX : XX/XX/year> Account Number : XXXX  Balance : {$21000.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I am submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$5700.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX  Opened : XX/XX/XXXX Account Number : XXXX Balance : {$470.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Experian in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Re : Dispute of Debt Allegedly Owed to Midland Credit Management Dear Sir or Madam, I am writing to formally dispute a debt that is being reported by Midland Credit Management. I have received notice from them stating that I owe a debt, however, I do not believe that I am responsible for the alleged debt, nor do I have any documentation or records supporting this claim. 

Here are the details of the debt in question : Collection Agency Name : Midland Credit Account Number ( if available ) : Unknown  Amount Allegedly Owed : {$360.00} Date of Debt : XX/XX/year> Original Creditor ( if applicable ) : Unknown  I have attempted to resolve this matter with Midland Credit, but to date, I have not received sufficient evidence or documentation to substantiate this debt. I have also not received any communication from the original creditor regarding this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
Sent disputes in for inaccurate accounts reporting on my consumer report, and requested deletion of these accounts. THIS DID NOT HAPPEN. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX AND TRANSUNION. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEIATELY. ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSENT MY DISPUTES FOR 2 ACCOUNTS SHOWING INACCURATE AND INCORRECT LATE PAYMENTS, AND DATES OF LAST ACTIVITY SHOWIING IN THE PAYMENT HISTORY. I REQUEST THAT THESE ACCOUNTS BE UPDATED IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XX/XX/XXXX - I reached out to XXXX XXXX concerning an arrangement made on a debt. After further discussion, the representative stated that the debt was from LVNV Funding and the original creditor was XXXX XXXX XXXX. I advised the representative that the debts with XXXX XXXX XXXX  was discharged under my bankruptcy XX/XX/XXXX. I cancelled the payment arrangement and requested a refund of payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX., I contacted Stenger & Strenger, P.C., in response to their debt collection correspondence. The 13-minute, XXXX conversation with a representative whose name I could not understand due to a heavy accent, yielded instructions to call back before XXXXXXXX XXXX to request a settlement notice. A subsequent call at XXXXXXXX XXXX to lead representative XXXX XXXX revealed conflicting information ; XXXX XXXX suggested payment plan was deemed inappropriate, and full payment was mandated. Despite XXXX XXXX 's disclaimer regarding legal advice, his recommendation to disregard the court summons and remit full payment three days prior to the court date directly contradicts the earlier advice. Given these conflicting instructions, I requested to speak with a supervisor to clarify the appropriate resolution. He told me that the calls were being monitored for my protection and then I ask XXXX XXXX, would I be able to use the recordings to bring up these unfair acts. In response to my expressed intention to file a complaint, he preemptively threatened to do the same. The conversation concluded with instructions to disregard any court subpoena, refrain from seeking legal counsel, and avoid contacting management, as their intervention was deemed unhelpful. XXXX XXXX XXXX provided demonstrably false information, claiming assistance while simultaneously implementing call redirection to himself on XX/XX/year>, at XXXX XXXX preventing me from escalating the matter to a manager, despite his supervisory role. According to FDCPA 15 U.S.C. 1692e- Prohibits the use of any false, deceptive, or misleading representation in connection with the collection of a debt. 
( 2 ) ( A ) False representation of the charater, amount, or legal status of the debt.

( 10 ) Use of false representation or deceptive means tp collect a debt or obtain information about a consumer. 
*15 U. S. C 1692f - prohibits unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
Recently, I checked my credit report and saw a fraudulent account that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
Recently, I checked my credit report and saw a fraudulent account that does not belong to me.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-03-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Personal information compromised during XXXX data breach. Unauthorized inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
2 years ago I did a cash-out refi on my home in XXXX, XXXX. My mortgage was transferred 3 times with the last transfer being to Nationstar Mortgage ( aka Lakeview, aka Mr Cooper ) on XX/XX/year>. In XXXX I received a letter stating that they considered my house " uninsured '' because the name on the mortgage ( XXXX XXXX XXXX XXXX XXXX ) did not exactly match the name on my XXXX XXXX insurance policy ( XXXX XXXX XXXX ). None of the previous insurance companies had a problem with this, so I was a bit surprised. I immediately contacted Mr. Cooper and they explained what they wanted. I then immediately contacted XXXX XXXX to change the name on the insurance to make Mr. Cooper happy. This took a couple weeks ( they wanted to underwrite a whole new policy & needed new pictures ). I live in XXXX, but traveled to XXXX the following week to take/provide those pictures. In late XXXX I provided Mr. Cooper with the new XXXX XXXX policy that matched what Mr. Cooper wanted. I also subsequently sent a letter from XXXX XXXX stating that the house had NEVER been uninsured and that the original address referred to the mortgaged house. 

I received a letter that Mr. Cooper received and accepted my new insurance policy in late XXXX. However, they STILL wanted to charge me {$590.00} or being uninsured in XXXX and XXXX despite the fact that I was NEVER uninsured and I responded immediately to give them what they wanted when I received their notice in XXXX. This felt like a real money-grab. 

I emailed about 10 times explaining the situation and pleading for a phone call. All I received was a generic response each time that gave no real information. I also called multiple times and spent hours going around in circles with their automated system. I once ( miraculously ) got a live person who said that they couldn't do anything but would have a supervisor call me. No surprise, I never received a call. Seems like a scam. Please help! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

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 explanation
Consumer complaint received 2025-03-23 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: FL

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 2025-03-23 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: FL

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 2025-03-23 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief