vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am submitting this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my XXXX TransUnion credit report that I do not recognize. These accounts are the result of identity theft and include : an educational account at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), another educational account at XXXX on the same date ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a secured loan at XXXX XXXX on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a telecommunications account at XXXX opened on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and an unsecured loan at XXXX on XX/XX/XXXX ( XXXXXXXX XXXX XXXX ). These fraudulent accounts have led to multiple hard inquiries and collections on my credit report. I request the immediate removal of these fraudulent items from my credit reports and that all collection activities related to them cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-03 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 am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-03 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fradulent accounts on my report, Please remove these accounts from my credit report, they are hurting my ability to obtain credit.Thank you

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I received a XXXX XXXX letter from Midland Credit Management on XX/XX/year> stating this letter is a pre legal notice for non payment. I went to the website to the online chat. The agent was XXXX XXXX. On the letter it stated my account was approved for bi weekly payments as low as {$25.00}. I told him I could pay {$50.00} montly, He told me he could not offere me that payment until I paid a down payment of like {$420.00}. I explained to him I do not have that and I could only pay {$50.00} a month and the letter stated nothing about a down payment. I explained that I have a son with a XXXX XXXX  and insurance does not pay all of the supplies, medical equipment and medication and {$50.00} was all I could pay. I spent over an hour back and forth with him. Him telling me this was the best he scould do, I kep telling him {$50.00} was all I could pay. I felt very bullied by this agent, I felt as if he was wanting me to risk my son 's health in order to pay them more. I can not even tell you how may times we went back and forth. I am doing the best I can in paying collection accounts but I am limited because of my son 's needs. Did he use abusive language, Not at all, did I feel threatened that if I did not pay and do what he was asking, he was going to forward the account for me to be sued, YES. I can not pay more than I can pay with the medical expences I have. He couldn't/would n't understand that. It was very upsetting and I felt very bullied. I have 2 other collections with this company and had absoilutely XXXX issues paying $ XXXX  monthly on the other 2 accounts, the agents were kind and never argued or " bargained '' with me at the expense of my son 's health. Maybe this is not against the law, but it was very unsettling that a collection agent would argue and bargain after I had stated numerous times what I could pay. The chat should be recorded and you should be able to see the conversation back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am writing to formally express my concern regarding an issue with my mortgage payment that has not been rectified. My mortgage account number is LOAN NUMBER XXXX As of XX/XX/year>, Mr Cooper customer service representative admitted fault on a recorded line and announce Mr Cooper will resend an updated statement reflecting my new mortgage amount with the deduction of the PMI premium, however my mortgage payment does not reflect the removal of my PMI ( Private Mortgage Insurance ) premium, as indicated in my previous communications and confirmed in my statement. 

Despite several attempts to resolve this matter through Mr. Cooper customer service, I have not received satisfactory assistance. Additionally, the statements related to this issue have been omitted from my online portal, making it difficult for me to access the necessary information. 

Luckily I have saved the relevant documentation regarding my PMI removal and will be submitting all mortgage-related materials to the Consumer Financial Protection Bureau since this issue was not promptly addressed. I kindly request that you contact me immediately to rectify this situation and ensure that my mortgage payment is adjusted accordingly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Tel. XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX ( a ) / XXXX Metro 2 Factual Dispute XXXX XXXX XXXX Dear Equifax XXXX XXXX XXXX XXXX following items on my XX/XX/year> Equifax report XXXX incomplete/inaccurate under Metro 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported ( Metro 2 Field XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Charge-off plus comment Account closed by credit grantor. 
XXXX ( {$3200.00} ) exceeds credit limit ( {$2500.00} ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX } XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Payment-history grid shows XXXX late codes, buXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Metro 2 Appendix XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete or correct these tradelines and send me an updated disclosure. If verified, provide the Method of Verification within 15 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
A collection account has been reported to all three major credit reporting agencies without any prior notification being sent to me via U.S. mail, as required by federal law. On my XXXX credit report, the collection entry lacks critical identifying information, including the account number and the name of the original or current creditor. This raises concerns about the accuracy, validity, and proper verification of the reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXDate: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX\nSubject: Cease and Desist Notice Regarding Fraudulent Account\n\nTo Whom It May Concern,\n\nI am writing to formally dispute and challenge the legitimacy of the account information your company has reported as follows:\n\nAccount Identifier: XXXX\n\nDate Opened: XXXX XXXX XXXX\n\nAccount Type: Open Account\n\nLoan Type: COLLECTION AGENCY/ATTORNEY\n\nBalance: XXXXn\nHigh Balance: XXXXn\nPast Due: XXXX\n\nDate Updated: XXXX XXXX XXXXn\nOriginal Creditor: XXXXn\nRemarks: PLACED FOR COLLECTION\n\nEstimated Removal Date: XXXX XXXX\n\n\nI have substantial reasons to believe that this account is fraudulent and that any further attempts to collect on this alleged debt are both unwarranted and unlawful. Under applicable federal and state laws, you are required to cease all collection activities regarding any account or debt that is disputed in good faith and appears to be fraudulent.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
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. 

I am submitting this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my FICO Experian credit report that I do not recognize, resulting from identity theft. The accounts include : a charge account at XXXX XXXX  opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a secured credit line at XXXX XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX ), an auto loan at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a secured loan at XXXX XXXX  opened on XX/XX/XXXX ( account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and an educational account at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts have led to multiple fraudulent hard inquiries and collections on my credit report. I request the removal of these fraudulent items from my credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX XXXX XXXX  was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation