vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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:
I am unfamiliar with these kinds of inquiries, and they appeared to be unapproved. Kindly take prompt action to resolve this issue. The materials that are included provide more details.

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 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: SC

Complaint narrative:
Account IQ Data XXXX # XXXX I'm unaware of this debt, and did not have the opportunity to dispute this account. If you believe that you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made multiple purchases on XXXX for the purpose of participating in their sweepstakes program using XXXX XXXX, which were clearly advertised as redeemable for cash prizes. I paid {$290.00}, {$490.00}, and other amounts based on this representation. Shortly after, the merchant XXXX the sweepstakes redemption functionality for U.S. users without notice, refund, or alternative service.

I submitted detailed disputes to Capital One, including screenshots from the site announcing the shutdown, the original Terms of Service showing redeemable Sweeps Coins, and emails showing I attempted to contact the merchant. In several cases, Capital One approved the dispute. However, others were denied or left pending even though the same exact merchant behavior and evidence were involved.

I believe this inconsistency in Capital Ones handling of identical disputes is unfair, and I request that they be held accountable for failing to protect customers from a merchant who materially changed their product after accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

KIKOFF Employers : AIMS COMPANIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

KIKOFF Employers : AIMS COMPANIES

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 2025-05-13 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: NY

Complaint narrative:
I am submitting a complaint to dispute several unauthorized inquiries that appear on my credit report. Below is the list of inquiries I believe were made without my consent or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OhioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XXXXXX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft & Dispute of Inaccurate Information under FCRA 602, 604, 605B | Request for Immediate Blocking of Fraudulent Data To Whom It May Concern : I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), to formally dispute and request the blocking and removal of fraudulent and inaccurate accounts that are appearing on my consumer credit reports as a result of identity theft.

A complaint has been filed with the Consumer Financial Protection
Bureau ( CFPB ) regarding this matter. Under Section 605B, you are required to block the fraudulent information from my credit file within 4 to 7 business days of receipt of this request and supporting documentation.

The following accounts were fraudulently opened without my knowledge or authorization : XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX These accounts contain inaccurate information, including incorrect dates and identifiers, and were not authorized by me. Additionally, these accounts have resulted in unauthorized hard inquiries, which I also request be immediately deleted. 

I invoke my rights under the following sections of the FCRA : 15 U.S.C. 1681c-2 ( Section 605B ) : You must block the reporting of information that I identify as the result of identity theft within 47 business days after receiving proof of identity and a valid identity theft report.

15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy and fair treatment in the use of my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : No consumer reporting agency shall furnish a consumer report unless the consumer has provided written instructions or authorization. 

I am requesting the following actions be taken immediately : 1. Block and remove all fraudulent accounts listed above from all three credit bureaus : Experian, Equifax, and TransUnion.

2. Delete any associated hard inquiries connected to these accounts.

3. Provide me with an updated copy of my credit report showing the removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OhioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XXXXXX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft & Dispute of Inaccurate Information under FCRA 602, 604, 605B | Request for Immediate Blocking of Fraudulent Data To Whom It May Concern : I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), to formally dispute and request the blocking and removal of fraudulent and inaccurate accounts that are appearing on my consumer credit reports as a result of identity theft.

A complaint has been filed with the Consumer Financial Protection
Bureau ( CFPB ) regarding this matter. Under Section 605B, you are required to block the fraudulent information from my credit file within 4 to 7 business days of receipt of this request and supporting documentation.

The following accounts were fraudulently opened without my knowledge or authorization : XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX XXXX Account, Opened XX/XX/XXXX These accounts contain inaccurate information, including incorrect dates and identifiers, and were not authorized by me. Additionally, these accounts have resulted in unauthorized hard inquiries, which I also request be immediately deleted. 

I invoke my rights under the following sections of the FCRA : 15 U.S.C. 1681c-2 ( Section 605B ) : You must block the reporting of information that I identify as the result of identity theft within 47 business days after receiving proof of identity and a valid identity theft report.

15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy and fair treatment in the use of my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : No consumer reporting agency shall furnish a consumer report unless the consumer has provided written instructions or authorization. 

I am requesting the following actions be taken immediately : 1. Block and remove all fraudulent accounts listed above from all three credit bureaus : Experian, Equifax, and TransUnion.

2. Delete any associated hard inquiries connected to these accounts.

3. Provide me with an updated copy of my credit report showing the removal of these items.

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 2025-05-13 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:
I am requesting the deletion of the following accounts : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am considered a protected consumer under the FDCPA and FCRA. 
Reporting this debt is causing undue harm and is not justified under federal law. 
Proof of my protected income is attached. 
Please delete this account from all reporting systems within XXXX  days.

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 2025-05-13 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: TX

Complaint narrative:
I am requesting the deletion of the following accounts : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am considered a protected consumer under the FDCPA and FCRA. 
Reporting this debt is causing undue harm and is not justified under federal law. 
Proof of my protected income is attached. 
Please delete this account from all reporting systems within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
The current mortgage provider is XXXX. 
They took over my mortgage from XXXX XXXX XXXX. 
Had accepted split payments, every two weeks, which aligned with my paydays. No late payments. 

XXXXXXXX XXXX XXXX, I saw an increase of my mortgage payment of approximately {$100.00}. 
I did not sign any additional documents agreeing to an increase to my payment. 
XXXX had allowed the split payments for the first four payments. No notification of policy change, no email, no mail, just when I attempted to make my first half of the mortgage payment, " no we changed policies and no longer accept split payment ''. 

So when this policy changed, I was caught off guard. I try to manage my funds so I can pay mortgage on time. Even have a checking account just for the mortgage payment to keep funds separate. I believe I ended short one month and had to pay the mortgage within 45 days.

Of course this caused a domino affect for ab
out 2 months and I had to pay within 30 days, another 3 payment. 

But from what my payment history indicates all of these " late payments '' are noted as " late payments ''. I believe that I have only 1 late ( past the 30 day window ) and the rest are within the 30 days window. 

But now my credit score has taken a punch to the face. 

I have had the unfortunate experience of them reporting to credit bureaus that have several late payments. When in actuality, I was within the 30 day window from the first of the month. 

Requested this oversight be verified and corrected. But no cooperation from XXXX. 
I might be biased, but its like they are trying to damage my credit score, so I can not refinance the mortgage. 

From my mortgage payment history I can only fine one that was actually past 30 days. 
due XXXX of the month, 15 days grace period, 15 days after grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
The current mortgage provider is XXXX. 
They took over my mortgage from XXXX XXXXXXXX XXXX 
Had accepted split payments, every two weeks, which aligned with my paydays. No late payments. 

XXXXXXXX XXXX XXXXe, I saw an increase of my mortgage payment of approximately {$100.00}. 
I did not sign any additional documents agreeing to an increase to my payment. 
XXXX had allowed the split payments for the first four payments. No notification of policy change, no email, no mail, just when I attempted to make my first half of the mortgage payment, " no we changed policies and no longer accept split payment ''. 

So when this policy changed, I was caught off guard. I try to manage my funds so I can pay mortgage on time. Even have a checking account just for the mortgage payment to keep funds separate. I believe I ended short one month and had to pay the mortgage within 45 days.

Of course this caused a domino affect for about 2 months and I had to pay within 30 days, another 3 payment.

But from what my payment history indicates all of these " late payments '' are noted as " late payments ''. I believe th
at I have only 1 late ( past the 30 day window ) and the rest are within the 30 days window.

But now my credit score has taken a punch to the face.

I have had the unfortunate experience of them reporting to credit bureaus that have several late payments. When in actuality, I was within the 30 day window from the first of the month. 

Requested this oversight be verified and corrected. But no cooperation from XXXX. 
I might be biased, but its like they are trying to damage my credit score, so I can not refinance the mortgage.

From my mortgage payment history I can only fine one that was actually past 30 days. 
due XXXX of the month, 15 days grace period, 15 days after grace period.

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 2025-05-13 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:
The current mortgage provider is XXXX. 
They took over my mortgage from XXXX XXXXXXXX XXXX. 
Had accepted split payments, every two weeks, which aligned with my paydays. No late payments. 

XXXXXXXX XXXX XXXX, I saw an increase of my mortgage payment of approximately {$100.00}. 
I did not sign any additional documents agreeing to an increase to my payment. 
XXXX had allowed the split payments for the first four payments. No notification of policy change, no email, no mail, just when I attempted to make my first half of the mortgage payment, " no we changed policies and no longer accept split payment ''. 

So when this policy changed, I was caught off guard. I try to manage my funds so I can pay mortgage on time. Even have a checking account just for the mortgage payment to keep funds separate. I believe I ended short one month and had to pay the mortgage within 45 days.

Of course this caused a domino affect for about 2 months and I had to pay within 30 days, another 3 payment.

But from what my payment history indicates all of these " late payments '' are noted as " late payments ''. I believe that I have only 1 late ( past the 30 day window ) and the rest are within the 30 days window.

But now my credit score has taken a punch to the face.

I have had the unfortunate experience of them reporting to credit bureaus that have several late payments. When in actuality, I was within the 30 day window from the first of the month. 

Requested this oversight be verified and corrected. But no cooperation from XXXX. 
I might be biased, but its like they are trying to damage my credit score, so I can not refinance the mortgage.

From my mortgage payment history I can only fine one that was actually past 30 days. 
due XXXX of the month, 15 days grace period, 15 days after grace period.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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