vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to formally dispute a Derogatory account that has been deleted and reinserted into my credit report multiple times without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) and 15 U.S.C. 1681i. 

XXXX XXXX. 
Account # : XXXX Date ( s ) Deleted and Reinserted : [ XX/XX/year> deleted and Reinsertion XX/XX/year> ], which is the XXXX deflation by the credit bureau. 

This account has been deleted and reinserted more than five times, yet I have never received written notice within five business days of its reinsertion, as required by law. The credit bureau has not corrected the Inaccurate information, which violates FCRA section 15 U.S.C. 1681i.

I am requesting the following under my rights provided by the FCRA : 1. Immediate removal of this account from my credit file due to failure to follow proper reinsertion and inaccurate procedures.

2. If the item is to remain, a full investigation and documentation showing the verification method must be conducted.

Please conduct your investigation within 15 days, as you have already spent more time than the law requires.

I will restate the inaccurate information in this account and upload the supporting documents showing the erroneous information and where the credit bureaus deleted the account in the past. 

XXXX XXXX. 
Account # : XXXX XXXX. 1-The opening date is not accurate 2- 2-The credit limit is not accurate 3-The last report date is not accurate 4- The Last active date is not accurate 5- The date of the last payment is not accurate.

6-This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX to be deleted. 

Please delete this account from my report according to FCRA Section 15 USC 1681.

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 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My home was sold without notification to me by the mortgage company PHH. There was no notice of foreclosure mail sent to me. The told via phone while I was trying to get a modification that my home was foreclosing. My home did not foreclose on XX/XX/XXXX. They did not notify me but instead shut off all communication between myself and lender. My home was sold 6 months later XX/XX/XXXX behind my back. I thought my home was gone XX/XX/XXXX. I was given the opportunity to contest or pay the defaulted amount nothing. I made the most money in my XXXX career in XXXX. No email no nothing. PHH mortgage company violated my rights. I owned my home until XXXX. They sold my home right behind my back. I found out this year XXXX when I visited my home and realized that my home looked abandoned and my belongings were still in the basement. No one had inhabited my home to this day. Then PHH created a 1098 for XXXX, posted in XX/XX/XXXX with the XXXX XXXXXXXX  attorney generals name under mine name c/o XXXX XXXX XXXX The US government was going to seize my property due to issues by my ex husband but decided not because he was ordered to remove my name from the deed in my divorce docs. PHH created this 1098 to further mislead me into thinking my home was gone. My house has been sold to a XXXX that lives in Florida where the company is located XXXX XXXX. Please I need help recovering my property. I was left out of this. No mail, email, letter nothing, no opportunity to exercise my rights. I appears the XXXX attorney seized it XX/XX/XXXX and returned in XX/XX/XXXX. I did not know about any of these activities. Nothing. I do have official documentation from the US government. PHH did not notify me of any of this. I was totally traumatized on that day XXXX  at work. The actions taken were unlawful, fraudulently, undermine and plain old wrong.

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 2025-05-30 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
PRE LITIGATION DEMAND TO CEASE REPORTING UNVALIDATED DEBT ACCOUNT XXXX - Letter attached and sent via certified mail today. I want the CFPB to keep track of this correspondence and XXXX 's extensive wrongdoings. 
I already filed 3 CFPB complaints, The pre demand litigation is attached. I want the requested documents withing 10 days and the lawsuit will be filed on day 11.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

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 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 2025-05-30 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: TX

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 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 2025-05-30 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: PA

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Remove Inaccurate Late Payments Reported by XXXX  XXXX Dear CFPB, I am submitting a formal complaint against TransUnion for their failure to correct or delete inaccurate information reported by XXXX  XXXX on my credit report, despite my previous disputes and requests. 

XXXX XXXX has reported the following inaccurate late payments on my accounts XXXX  XXXX ( Account Numbers ending in XXXX and XXXX ) : 30 days late in XXXX XXXX  60 days late in XXXX XXXX 90 days late in XXXX XXXX 120 days late in XXXX XXXX 150 days late in XX/XX/year> These entries are false. I have repeatedly disputed these inaccuracies with TransUnion for nearly one year, but TransUnion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA by TransUnion : 1. 15 U.S.C. 1681i ( a ) TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information found to be inaccurate, incomplete, or unverifiable within 30 days. Despite my repeated disputes, TransUnion has failed to correct or remove these false late payments.

2. 15 U.S.C. 1681e ( b ) TransUnion is required to maintain reasonable procedures to ensure maximum possible accuracy of the information it reports. The continued reporting of inaccurate information demonstrates a failure to maintain such procedures.

Requested Resolution : I respectfully request that the CFPB take the following actions : Investigate TransUnions failure to correct these inaccuracies within the time required by law. 
Require TransUnion to delete the inaccurate late payments reported by XXXX XXXX from my credit report. 
Ensure TransUnions compliance with the FCRA to prevent further harm to my credit. 
Confirm that an updated credit report reflecting the corrections is provided to me. 

Thank you for your time and assistance in resolving this matter. The inaction of TransUnion has severely damaged my credit profile, and I seek your support to ensure compliance with the law. 

Sincerely, 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 2025-05-30 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: NH

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021, Balance : {$5500.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021, Balance : {$0.00}

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 2025-05-30 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am disputing a fraudulent checking account that was reported by XXXX XXXX XXXX Early Warning Services under account number XXXX and reference number XXXX. 
This account was opened without my knowledge or authorization. I was a victim of identity theft, and the individual responsible has already been criminally prosecuted. Despite this, XXXX XXXX reported the account as involving checking account fraud under my name, which is false. 
I obtained a copy of my Early Warning Services report and discovered this inaccurate entry, which has significantly impacted my ability to open financial accounts and harmed my reputation. 
I submitted a formal dispute to XXXX XXXX requesting removal of the fraud designation and documentation supporting their report. To date, I have not received sufficient verification or confirmation that the information has been corrected. 
I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing false information, failing to verify the account, and not correcting inaccurate data upon dispute. This may also constitute a violation of the Consumer Financial Protection Act. 
I request that the CFPB require XXXX XXXX to reinvestigate this matter, correct my records, and notify all consumer reporting agencies of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am disputing a fraudulent checking account that was reported by XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX and reference number XXXX. 
This account was opened without my knowledge or authorization. I was a victim of identity theft, and the individual responsible has already been criminally prosecuted. Despite this, XXXX XXXX reported the account as involving checking account fraud under my name, which is false. 
I obtained a copy of my XXXX XXXX XXXX report and discovered this inaccurate entry, which has significantly impacted my ability to open financial accounts and harmed my reputation. 
I submitted a formal dispute to XXXX XXXX requesting removal of the fraud designation and documentation supporting their report. To date, I have not received sufficient verification or confirmation that the information has been corrected. 
I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing false information, failing to verify the account, and not correcting inaccurate data upon dispute. This may also constitute a violation of the Consumer Financial Protection Act. 
I request that the CFPB require XXXX XXXX to reinvestigate this matter, correct my records, and notify all consumer reporting agencies of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date 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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I noticed my XXXX  credit score had dropped drastically since I last checked on XX/XX/year>. ( The drop was from XXXX to XXXX. ) I ran an XXXX  Credit Report and learned their is a collection account with " CREDENCE RESOURCE MANAGE '' for a {$390.00} balance and the Original Creditor is listed as " XXXX XXXX '' Allegedly, the account was opened on XX/XX/year>. I have not opened any accounts this year. 

I also checked my XXXX account to see if any personal information has been compromised. XXXX XXXX XXXX discovered an XXXX XXXX XXXX Data Breach in XXXX that compromised my phone number and email address. Likely, this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX CRED - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

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