vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: SC

Complaint narrative:
Subject : Inaccurate and Incomplete Credit Reporting Request for Correction or Removal Description of the Issue : I am submitting a formal complaint regarding multiple accounts with inconsistent and inaccurate reporting across the three major credit bureausEquifax, TransUnion, and Experian. 

XXXX XXXX XXXX XXXX This account is not reported on Experian but is reported on TransUnion and Equifax. This is misleading and incomplete. I am requesting that this account be removed from TransUnion and Equifax since it is not being fully reported to all three bureaus. 

XXXX XXXX This account reflects one late payment followed by current on-time payments with Equifax. However, TransUnion does not reflect this same accurate status. I am requesting TransUnion be updated to reflect the same payment history that is being reported to Equifax. 

XXXX XXXX This account is only being reported on Experian and does not appear on TransUnion or Equifax. Since it is not reported to all three bureaus, I request that it be removed from Experian to maintain consistency and fairness in my credit profile. 

These discrepancies create confusion, an inaccurate depiction of my credit history, and can negatively impact my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), information must be accurate, complete, and consistently reported. 

I respectfully request a thorough investigation and for these accounts to either be accurately and fully reported to all three bureaus or removed entirely if consistent reporting can not be ensured. 

Thank you, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-05-27 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-27 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: VA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove them.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC
State: TX

Complaint narrative:
I requested the chain of custody/ownership of this account and the contract between the original owner of the debt and the now requesting party with no reply. I spoke to my attorney and saw its not even associated with my legal information and is fraud. They told me to send this Collections - Final Demand for Immediate Deletion XX/XX/year> From : XXXX XXXX XXXX, XXXX. On behalf of : XXXX XXXX XXXX : Final Notice - Improper Reporting of Collection Accounts | FCRA Violations & Privacy Breach To Whom It May Concern, You are hereby notified this is your final demand to remove the collection accounts reported on the credit file of XXXX XXXX. These accounts have been disputed 30 days ago with no lawful reinvestigation or valid verification provided. Under 15 U.S.C. 1681i ( a ) and the ruling in XXXX XXXX XXXX, you must provide detailed proof of validation- not a superficial verification. Your failure to do so constitutes a clear FCRA violation. 
The Doctrine of Estoppel by Silence applies-absent proof, the debt is presumed non-existent ( Engelhardt v. Gravens ). Your reporting violates 15 U.S.C. 1681b ( 2 ) by furnishing information without written permission and breaches accuracy standards under 15 U.S.C. 1681e ( b ). 
You have exhausted your legal right to investigate or verify this debt further. Any inadequate or delayed response will be used as evidence of willful noncompliance to support immediate legal action. Immediate action required : Remove all disputed collection tradelines within 24 hours of this notice. 

Immediately cease all contact with XXXX XXXX regarding these accounts. 
Failure to comply will prompt immediate litigation and regulatory referrals, including claims for damages and attorney 's fees. 
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 explanation
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management - Case Number : XXXX I am submitting this formal complaint against Midland Credit Management ( MCM ) for failing to remove derogatory credit reporting after dismissing a legal case ( Midland XXXX XXXX XXXX, XXXX ) with prejudice. The case was resolved in XX/XX/year>, and I reasonably expected that the associated tradelines would be deleted from my credit reports with Experian, TransUnion, and Equifax as part of that resolution. Despite multiple written requests and coordination with their legal department, MCM has refused to remove the negative credit entries or provide accurate information about the status of the account.

I communicated directly with MCMs Legal Assistant, XXXX XXXX, who repeatedly stated that their legal department does not have the authority to handle credit reporting and that I needed to contact another department. I called the number provided ( XXXX ext. XXXX ) several times and was transferred to multiple departments with no resolution. I was eventually told that the complaint was still pending, and that nothing could be done. 

This is not only unprofessional but a clear example of willful noncompliance and evasion of responsibility. A court dismissal should result in immediate and full resolutionincluding the deletion of related tradelinesespecially when the debt is no longer being pursued. MCMs refusal to coordinate across its departments to ensure this outcome is a direct violation of the Fair Credit Reporting Act ( FCRA ) and a deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ).

Further, MCM has made it clear they will not voluntarily delete the tradelines and will not include any language about credit deletion in the stipulation to dismiss. This leaves consumers without closure and exposed to continued harm despite prevailing in court.

I want Midland to : Immediately delete all credit reporting associated with the 3 accounts at issue in XXXX # XXXX from all consumer reporting agencies. 

Provide written confirmation that the accounts will be removed fro credit reporting agencies, will not be sold, transferred, or re-reported to any third-party collection agency or data furnisher. 


Supporting Evidence I can provide : The court-filed dismissal of the case Email communication with MCM Legal Assistant XXXX XXXX Records of attempted calls to the credit reporting department Proof that the debt is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I live on two pensions and Social Security. XXXX is my mortgage company. They continually raise my mortgage payment. I called Dovenmuehle to ask for help. A lady answered the phone and said that they would help me to set up a payment plan. She did not follow through on that request. I opened my bank account to see what I had left in the bank. I checked my bank account, and my bank account had been wiped. I had a negative balance. I had to get {$1300.00} from my son to make a payment on my mortgage. I was curious about where that money went and then I saw that XXXX XXXX department Dovenmuehle had gone into my bank account and removed {$1300.00} out of my bank account without my consent. Then I discovered that Dovenmuehle had received a check with my name on it in XX/XX/year> and they never sent it to me. I spoke to Dovenmuehle, and they told me the check was from an insurance company to be given to me to help pay off the repairs in the basement. The check was for XXXX. I asked them why they didn't send the check when they received it. This was last week. I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
THIS IS A REPORT FOR EXPERIAN, EQUIFAX AND TRANSUNION ACCOUNTS : XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6300.00} As per XXXX XXXX guidelines, once an account is charged off, it must report a {$0.00} balance unless the debt has been transferred or sold to a third-party collection agency. You are reporting ALL of these charge-off accounts with outstanding balances, which is inaccurate, deceptive, and misleading under : FCRA 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy. FCRA 15 U.S. Code 1681s-2 ( b ) Failure to conduct a reasonable investigation of disputed information. XXXX XXXX Reporting Manual ( Section on Charge-Offs ) A charged-off account should reflect a XXXX balance when the creditor has no legal claim for ongoing collection. 2. Continued Reporting of Delinquency After Charge-Off Reporting monthly delinquencies post-charge-off is a XXXX XXXX and FCRA violation XXXX as it re-ages the account and falsely extends the derogatory status. 
You are reporting multiple CO notations and missed payments well after the charge-off date, which is an unauthorized extension. This is all false and fraudulent information

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 2025-05-27 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: TX

Complaint narrative:
THIS IS A REPORT FOR EXPERIAN, EQUIFAX AND TRANSUNION ACCOUNTS : XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6300.00} As per XXXX XXXX guidelines, once an account is charged off, it must report a {$0.00} balance unless the debt has been transferred or sold to a third-party collection agency. You are reporting ALL of these charge-off accounts with outstanding balances, which is inaccurate, deceptive, and misleading under : FCRA 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy. FCRA 15 U.S. Code 1681s-2 ( b ) Failure to conduct a reasonable investigation of disputed information. XXXX XXXX Reporting Manual ( Section on Charge-Offs ) A charged-off account should reflect a XXXX balance when the creditor has no legal claim for ongoing collection. 2. Continued Reporting of Delinquency After Charge-Off Reporting monthly delinquencies post-charge-off is a XXXX XXXX and FCRA violation XXXX as it re-ages the account and falsely extends the derogatory status. 
You are reporting multiple CO notations and missed payments well after the charge-off date, which is an unauthorized extension. This is all false and fraudulent information

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 2025-05-27 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 was a victim of identity theft. There are inquiries on my Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
My lender released my student loan personal data to our government. 

DOGE staffers accessed multiple internal systems within the Department of Education, compromising the personal information of people enrolled in federal student aid programs, including my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation