vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
Trans union placed medical debt on my credit report XX/XX/XXXX after the CFPB ruled medical debt was to not be reported on credit reports. I had a credit score between XXXX for more than a decade and now because of a {$510.00} deductible I can't pay because I became XXXX from the accident on XX/XX/XXXX, that caused the deductible my credit score is now down to XXXX! I called Trans union XX/XX/XXXX and explained they are in violation of CFPB rule from XXXX of this year and was told if the hospital puts it through a collection agency, which they always have, it can show up on your credit report. They just found a loophole in the CFPB ruling. Considering medical facilities have always used collection agencies this loophole shouldn't even exist because it makes the rules useless! I had insurance and still do so the hospital received 99.9 % of their bill. I'm still fighting for XXXX which thanks to our Government takes 2 years and a lawyer to get. My wife lost her job in XXXX of XXXX so my family has no income since then and we have been eating into our savings. I did intend to pay this bill when and if thing get better but apparently the multibillion dollar hospital needs my {$510.00} more than I do... so they think!

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a charged-off account reported by Volvo Car Financial Services ( VCFS ) that I believe was incorrectly and unfairly reported to the credit bureaus. 

My wife and I leased a XXXX  XXXX XXXX through VCFS and made every monthly payment on time throughout the lease term. At the end of the lease, I received a bill for an end-of-lease payment. I distinctly remember having a check prepared and mailed to cover this amount. 

Several months later, I received a phone call indicating there was an outstanding balance of approximately {$700.00} and requesting immediate payment over the phone. The call appeared as Suspected Spam on my phone, which raised concerns about its legitimacy. As I typically do in such situations, I logged into VCFSs online portalwhere I had regularly checked balances and made payments throughout the leaseto verify the status of the account. At that time, the portal showed the account as closed and paid, with no indication of an outstanding balance or any way to submit a payment. Based on this, I reasonably believed the matter had been resolved and continued to suspect that the phone call had been a scam. 

Unfortunately, I later discovereddue to a significant and unexplained decline in my credit scorethat the {$700.00} balance had in fact been charged off and reported to the credit bureaus, causing substantial harm to my credit. Upon learning this, I immediately contacted VCFS and paid the balance in full.

Since then, I have : ( 1 ) Disputed the charge-off with all three credit bureaus ( the initial disputes were denied ; I have since re-submitted with additional documentation ) ; and ( 2 ) Spoken with several VCFS representatives , most recently XXXX XXXX XXXX who acknowledged that their online portal does not display outstanding post-lease charges and confirmed this is a known issue the company is working to resolve. Despite this admission, no action has been taken to correct my credit report. 

I have never missed a payment in my life, and I relied in good faith on the information provided by Volvos official customer platform. I respectfully request that VCFS remove the charge-off from my credit report, as it was based on misleading or incomplete information and the balance was paid immediately upon discovery. 

Desired resolution : I would like Volvo Car Financial Services to remove the charge-off designation from my credit report and update the account to reflect that it was paid in full with no derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I have fraudulent inquiries that I have no applied for or given these companies permission to use/run my credit. 
The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I have fraudulent inquiries that I have no applied for or given these companies permission to use/run my credit. 
The inquiries are XXXXXXXX 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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
am being contacted by Transworld Systems Inc. regarding a rental debt allegedly owed to XXXX XXXX XXXX. However, my lease ended on XX/XX/year>, and I vacated the property on XX/XX/year>XXXX  before the lease expired. I was never notified by XXXX XXXX of any outstanding balance prior to this going to collections. 

I recently reviewed numerous public complaints that indicate XXXX XXXX has a pattern of charging tenants for rent months after leases have ended, and it appears I am one of several tenants affected by this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-11 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-11 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: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, F.H. Cann & Associates reported a collection account to the credit bureaus without providing prior validation or notice. This resulted in an immediate and significant XXXX drop to my credit score. I filed a dispute through the CFPB, and the account was removed on XX/XX/XXXX confirming it was either inaccurately reported or improperly furnished. 

Despite the removal, the damage to my credit profile had already occurred. F.H. Cann violated my rights under the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ), 1681n, 1681o ) and the Fair Debt Collection Practices Act ( FDCPA 1692g and 1692e ). 

I am submitting this complaint to request enforcement and documentation of this violation in the CFPBs records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
Collector reported debt to the credit reporting companies around XXXX without contacting me and collecting proper verification before 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 2025-04-11 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-11 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: AL

Complaint narrative:
There is an delinquent account on my Equifax report to XXXX in the amount of {$170.00} I have disputed numerous of times and provided the receipts of payment including the email confirmation of payment. The keep leaving it on there and on my last dispute the remarks state and reflects the unpaid balance and that the consumer denies. At this point it needs to be removed. It impacted my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit 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 non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-11 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
XXXX ACOUNT ENDING IN XXXX and XXXXXXXX XXXX XXXX XXXX ending in XXXX On my Transunion, Experian and Equifax Credit these account reporting is fraud and need to be blocked asap I have contacted the credit bureaus about these account and nothing has been done. These fraud accounts have caused me undue hardship and i keep getting denied for credit. I have attached all the documents that can have this account to be deleted from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One, I spoke with this company and explained I am unemployed and not able to make payments, and they still call 20 times a day or more. I explained to them once I am employed i will pay the debt completely. 

XXXX XXXX, I have spoken with them as well and they still call, they even calle during a job interview on XX/XX/year> And all other numbers are either trying to sell me health insurance which I already have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I requested a loan pay off statement to close out our mortgage. They provided a final pay off statement that included a {$4600.00} amount along with my final principal payment ; interest ; and finalization fees. They claim was for a lien back in XXXX of XXXX. I asked for all additional information regarding the payment because when I check for any property liens against our property, my name, social security number and prior locations of residence there were none found. I was able to obtain mortgage records and tax bills showing that our taxes were paid via the escrow account. The {$4600.00} was paid via a check and not from our escrow account. They provided additional information by phone that it was the prior owner that they paid and that we can not finalize the loan without paying the additional monies indicated. 

I have been unable to research the matter further because I have no record of any lien nor was I ever notified of it's existence. The mortgage company has not responded to my inquiry other than a letter dated XX/XX/XXXXXXXX  stating that they are reviewing the matter. I am concerned because the amount in question is not in our records and I want to avoid paying out the {$4600.00} only to have them possibly owe us the money and what is in escrow.

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 2025-04-11 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses is is tied to my account. Therefore under FCRA and FTC needs to be removed immediately off my credit report. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: WI

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 explanation
Consumer complaint received 2025-04-11 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: WI

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 2025-04-11 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: FL

Complaint narrative:
Im writing regarding a collection account that recently appeared on my credit report. I dont recognize this account and never authorized it. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ). 
Here are the details : Creditor/Agency : XXXX XXXX XXXX  Account Number : XXXX Amount : {$2900.00} Opened : XX/XX/year>XXXX  I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. 
Please provide me with verifiable proof that this debt belongs tome. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation