vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-22 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: MS

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 Experian, Equifax & 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear CFPB, Im filing this complaint because there is a collection account from Transworld Systems Inc., acting on behalf of XXXX XXXX XXXX XXXX, showing up on my credit reports with TransUnion, Experian, and Equifax and it should not be there. 

The account shows a balance of {$130.00}, last four digits XXXX, and says it was opened in XX/XX/year> ( though the dates are different across bureaus ). Ive never received any documentation proving this debt belongs to me. No bills, no contracts, no statements just a collection suddenly appearing on all three of my credit reports. 

Ive reviewed my reports closely and here are the issues I found : The open dates dont match across TransUnion XXXX Experian, and Equifax XXXX 
All three reports say affected by natural disaster, which makes no sense and doesnt explain or validate the debt. 
Equifax adds biased language like subject has not satisfied debt with no proof or explanation.

No bureau or collector has provided any account-level documentation, billing history, or validation that this debt is even real.

Under the Fair Credit Reporting Act, this should have been deleted after my dispute : 15 U.S.C. 1681i requires a proper reinvestigation within 30 days. 1681i ( a ) ( 5 ) ( A ) says the account must be deleted if it cant be verified. 1681s-2 ( b ) requires the fur
nisher ( Transworld ) to provide real evidence to the bureaus. That hasnt happened.

Theyre also in violation of Metro 2 guidelines and the STAC agreement, which require consistent, verifiable, and complete data. Right now, this tradeline is incomplete, inconsistent, and unverifiable and that alone should require deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX  XXXX, XXXX  XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-04-22 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: EQUIFAX, INC.
State: LA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
Repeated threatening calls, emails, voicemails in regard to a car that I already told them to come pick up. 

I had every intention of catching up the amount due and keeping the car until their sales representatives kept repeatedly calling, treating me as less than human, threatening me, etc. 

I finally told them to come get the car and theyve continued to harass and threaten me. Ive even asked them to stop contacting me and they continue to contact me being rude, threatening to garnish my wages, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Did NOT sign up for paperless billing Did Not receive a bill until I requested one after threat of collections Have sent 2 months late payment and interest after I was made aware of bill and late billing Account is closed and paid in full Company needs to stop billing me late charges and interest -- -

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX updated my account as 90 days behind. Thats not true. This activity has caused my fico score to go down.

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 2025-04-22 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: GA

Complaint narrative:
XXXX updated my account as 90 days behind. Thats not true. This activity has caused my fico score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX updated my account as 90 days behind. Thats not true. This activity has caused my fico score to go down.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
RE : URGENT CREDIT REPORT DISPUTE FALSE LATE PAYMENT REPORTING Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XXXX XXXX XXXX  To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate and damaging information reported on my credit file. 

Your records show that my JPMCB CARD account was allegedly 30 days late XXXX time, despite the account being in good standing, with on-time payments and XXXX past-due balance as confirmed in the same file. 

THIS IS A FALSE REPORT AND VIOLATES FEDERAL LAW : The credit file states : Account Status : Open / In Good Standing Payment Status : As Agreed Past Due Amount : {$0.00} Monthly Payment : Paid Date of Last Payment : Current Comments : This is an account in good standing Yet it falsely reports : Late Payment Status : Was 30 days late XXXX time ( s ) This is a clear contradiction and an unauthorized negative mark that violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information FCRA 1681s-2 ( b ) Duty to investigate disputed information FCRA 1681e ( b ) Obligation to maintain maximum accuracy Reporting a late payment that never occurred is defamation of credit and has the potential to impact lending decisions and interest rates negatively. You are now on notice.

DEMAND FOR IMMEDIATE ACTION : I demand the following : Immediate removal of the false 30-day late payment reporting from all credit bureaus. 

A copy of the internal payment records showing this alleged late payment. 

Documentation of the notice sent to me prior to any reported delinquency ( none exists because I was never late ). 

Written confirmation that the error has been corrected and removed. 

IF THIS IS NOT RESOLVED PROMPTLY : I will pursue all legal remedies available under : FCRA 1681n Willful noncompliance ( {$1000.00} per violation ) FCRA 1681o Negligent noncompliance FDCPA 1692e ( 8 ) Communicating false credit information Consumer Financial Protection Bureau and Federal Trade Commission complaint filings Potential civil litigation for damages and credit impairment You have 30 days to complete your reinvestigation and send confirmation of correction. Failure to comply will result in legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Nelnet, Inc.
State: MN

Complaint narrative:
I keep setting up auto-debit with NelNet, get confirmation, and then the payments aren't processing. In XXXX of XXXX, XXXX of XXXX, and XX/XX/XXXX I tried to set up auto debit for my loan. I go back in and the website shows I didn't make a payment. I have received multiple confirmations that I have been set up for auto-debit and then NelNet deletes the record. I have a paper letter confirming auto-payment enrollment from XX/XX/XXXX, but the website keeps deleting my payment data. Since auto-payment receives a small discount on the loan payment, I suspect the company of skimming the dollar and change that my payment amount should be reduced by per month. Please assist me in correcting this behavior, so that other borrowers are not informed of an auto-debit only to have these bad actors play games with our loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I opened a credit card with Pottery Barn, and I purchased a XXXX  with the card that had to be delivered. Delivery was attempted but the XXXX  was damaged, so I refused it. After I was told it would take another few XXXX  before they could deliver a separate XXXX, I canceled the order. The merchant approved the canceled delivery but charged my credit card and said I was still required to make payments until the driver returned the merchandise to their warehouse. It took over a XXXX  for the item to show it was returned and they ended up charging me a late fee because I told them I would not pay for items I never received. After several calls with the merchant and credit card company, they credited me the amount of the XXXX, all finance charges and all late fees. However, it is still showing on my credit report that I had a late payment. I never received the merchandise they billed me for, and they have told me the merchant said they understood my concern and would be rectifying the past due error on my report. As of today, nothing has been corrected or removed. When I contacted the credit card company, they said I need to reach out to the merchant. The store keeps saying they've done everything on their end.

Company response to consumer: Closed with explanation