vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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:
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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MI

Complaint narrative:
Dear CFPB, I am formally filing this complaint to seek urgent regulatory action against Equifax and TransUnion and Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 16811681x ). 
Summary of Violations : 1. Unlawful Reinsertion of Fraudulent Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : * XXXX XXXX account was previously deleted as well of XXXX XXXX, XXXX XXXX XXXX, and ALL XXXX  accounts following documented proof of identity theft ( FTC Affidavit, police report ). Without required statutory notification, this account has been improperly reinserted, causing significant damage to my credit and mental well-being. 

2. Failure to Properly Investigate and Block Fraudulent Items ( FCRA 605B, 611 ) : * Despite submission of comprehensive identity theft documentation ( FTC Identity Theft Affidavit, official Police Report, drivers license, Social Security card, utility bill ), Equifax and TransUnion persistently verify fraudulent accounts ( notably XXXX XXXX XXXX XXXX ). 
* Their investigations fail to meet the standards set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, requiring detailed and credible verification from original creditors. 
XXXX. Obstruction of Consumer Dispute Rights ( FCRA 609 ( a ) ( 1 ) ) : * TransUnion specifically denies online and telephone dispute access, using erroneous identity verification questions unrelated to me, thus obstructing my statutory rights. 
Impact and Damages : These actions have resulted in extreme financial hardship, emotional distress, frustration, XXXX and harm to my reputation and creditworthiness, limiting my access to credit, housing opportunities, and causing prolonged personal and financial strain. 
Requested CFPB Actions : * Initiate an investigation into Equifaxs and TransUnions handling of my disputes. 
* Require both bureaus to provide concrete evidence of their verification processes for the disputed accounts. 
* Mandate immediate deletion and blocking of fraudulent accounts per FCRA regulations. 
* Enforce punitive measures, including fines, for the intentional and repeated non-compliance demonstrated by these bureaus. 
* Ensure compliance with the CFPB 's previous lawsuit against Experian, holding all CRAs equally accountable to the law. 
I am hopeful that the CFPBs intervention will compel these bureaus to fully comply with their legal obligations and restore accuracy to my credit reports. Your prompt and firm action is crucial in remedying these continuous and serious violations. 
Thank you for your immediate attention and assistance. 
Respectfully submitted, 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 2025-03-07 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: MI

Complaint narrative:
Dear CFPB, I am formally filing this complaint to seek urgent regulatory action against Equifax and TransUnion and Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 16811681x ). 
Summary of Violations : 1. Unlawful Reinsertion of Fraudulent Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : * XXXX XXXX account was previously deleted as well of XXXX XXXX, XXXX XXXX XXXX, and ALL XXXX  accounts following documented proof of identity theft ( FTC Affidavit, police report ). Without required statutory notification, this account has been improperly reinserted, causing significant damage to my credit and mental well-being. 

2. Failure to Properly Investigate and Block Fraudulent Items ( FCRA 605B, 611 ) : * Despite submission of comprehensive identity theft documentation ( FTC Identity Theft Affidavit, official Police Report, drivers license, Social Security card, utility bill ), Equifax and TransUnion persistently verify fraudulent accounts ( notably XXXX XXXX XXXX XXXX ). 
* Their investigations fail to meet the standards set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, requiring detailed and credible verification from original creditors. 
XXXX. Obstruction of Consumer Dispute Rights ( FCRA 609 ( a ) ( 1 ) ) : * TransUnion specifically denies online and telephone dispute access, using erroneous identity verification questions unrelated to me, thus obstructing my statutory rights. 
Impact and Damages : These actions have resulted in extreme financial hardship, emotional distress, frustration, XXXX and harm to my reputation and creditworthiness, limiting my access to credit, housing opportunities, and causing prolonged personal and financial strain. 
Requested CFPB Actions : * Initiate an investigation into Equifaxs and TransUnions handling of my disputes. 
* Require both bureaus to provide concrete evidence of their verification processes for the disputed accounts. 
* Mandate immediate deletion and blocking of fraudulent accounts per FCRA regulations. 
* Enforce punitive measures, including fines, for the intentional and repeated non-compliance demonstrated by these bureaus. 
* Ensure compliance with the CFPB 's previous lawsuit against Experian, holding all CRAs equally accountable to the law. 
I am hopeful that the CFPBs intervention will compel these bureaus to fully comply with their legal obligations and restore accuracy to my credit reports. Your prompt and firm action is crucial in remedying these continuous and serious violations. 
Thank you for your immediate attention and assistance. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX denied my claim for unemployment insurance after providing them proof. Then they sent me to two collection companies, Resurgent Capital Services and XXXX XXXX XXXX. This complaint is for Resurgent Capital Services. They sent me verification of the debt but ignored the proof I sent them that I had unemployment insurance and that another credit agency is trying to collect on the same debt. I am on XXXX and can not afford to pay this debt right now. I also made the claim for the unemployment insurance ( that I paid for ) back in XXXX  when I was unemployed. I have made no progress with the original creditor nor with this collection agency. They continue to debit my account each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I purchased my home in XX/XX/XXXX. In XX/XX/XXXX I received a notice of delinquency for my property taxes on my second lot. I contacted them and was told the taxes were paid, I subsequently found out they were not and was then hit with a massive escrow shortage a few months later, my payment was grossly miscalculated and I had to spend almost a month correcting the matter. At that time I provided Plat/lot numbers for both properties and explicitly requested they ensure the plat and lot numbers were included so that this would not occur again. 

On XX/XX/XXXX I received a letter once again stating that my taxes were delinquent on my second lot. I was told to email their vendor with the information. I did on XX/XX/XXXX and did not hear back. I called today XXXX XXXX and spoke with the tax collector 's office and was advised the taxes were more than 1 year delinquent and that when they were last paid for that lot on XX/XX/XXXX they were not paid in full and a balance remained. I called Mr. Cooper and was advised that they had no record of my issue from last year and that they had researched my concern for this year and found my taxes were up to date. I had to provide plat and lot number again along with correspondence records indicating that it had not been paid. At that time it was discovered that a second tax line had not been added for my lot when the issue occurred in XXXX and as a result they had not been paying the taxes or collecting for it. 

Mr. Cooper has taken the steps to start rectifying the issue of collecting taxes going forward but are not willing to take ownership of the resulting shortage. I understand that it is my responsibility to pay the taxes, but in paying my mortgage I am completing my part of that responsibility. I was under the impression that I was paying my taxes accordingly and because of a clerical error that I went above and beyond to correct last year there is a shortage and that is not my fault. I should not be responsible for the shortage as I made all steps and provided all documents to rectify and was told it was correct. Mr. Cooper should be responsible for all interest, penalties, and shortages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA, XXXX Subject : Request for Method of Verification Dear Transunion, I am writing to formally address an issue concerning my recent credit report. I requested a verification method for the information that was provided in my credit file. However, I have yet to receive any details or explanation regarding the process of verification for the disputed items XXXX XXXX XXXX account number # XXXX and XXXX XXXX account # XXXX and XXXX XXXX XXXX acct # XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report, and the credit bureau is required to respond with the proper method of verification. As part of this process, I would like you to provide a clear explanation of how the disputed information was verified, or to remove the inaccurate entries if proper verification was not conducted. Please respond to this request within the required 30-day period from the receipt of this letter. If I do not receive a satisfactory response, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action to protect my rights under the FCRA. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. Sincerely, 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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
A medical bill or debt collection that dont belong to me I spoke to someone at the company repeatedly telling them it dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

Midland Management

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Ive been managing multiple mortgage payments since 2017 without having any payment late Since the inception of this loan, Ive had problems with setting up autopay. I called and complained several times about the autopay system not functioning to complete my payment several times You can not make a payment and set up autopay on the same day. You have to make the payment so the account is current, wait for that payment to process and then you can set up autopay I thought auto payment was successfully set up, I had XXXX in XXXX and did not notice that the payment had not processed until XX/XX/XXXX where I made both XXXX and XXXX payments to make the account current Other notes : XXXX - website was down, I could not submit my second letter to request the late payment be removed. 

XXXX submitted another letter Im not asking for the late fee refunded, just the remark removed from my credit report Agent on the phone told me there will be no circumstance where they will remove the late payment

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 2025-03-07 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: MI

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-03-07 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-07 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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