vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00}

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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
TransUnion and Experian are currently reporting derogatory student loan accounts from XXXX and XXXX, even after valid discharge was issued via IRS Form 1099-C ( 2023 ). The total cancellation amount was {$140000.00}. 

This violates : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 26 U.S.C. 6050P ( 1099-C reporting ) Truth in Lending Act Equal Credit Opportunity Act ( ECOA ) Federal Reserve Act, Section 16, Part 2 XXXX  has already deleted the disputed accounts via complaint cfpb website ( attachments ). TransUnion and Experian have not followed suit, which is causing injury to my financial standing and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. CXXXX XXXXb ( 2 ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. CXXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX U.S. CXXXX XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. CXXXX XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$2600.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$740.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$530.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$17000.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$420.00} XXXX - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX EMPLOYER - 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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
{$2900.00} From XXXX XXXX XXXX XXXX. 

Have reached out multiple times for proof of debt but they are unable to provide where debt originating. Stating it is from a apartment complex XXXX XXXX XXXX Florida ( ( XXXX ) XXXX ) but I have spoken with them and they have no record of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-04-30 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX U.S. CXXXX XXXX XXXX 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, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, XXXX U.S CXXXX XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account, beginning with the first five numbers of XXXX, which are inaccurate and not properly verified. I have disputed this directly with the credit bureau and the furnisher in XX/XX/XXXX, but the late payments remain without proper validation or documentation. Under XXXX USC XXXXi ( a ) ( 1 ), the Furnishers must report accurate information under XXXX U.S.C. XXXXi, the credit bureaus must perform a reasonable investigation within 30 days, and neither of them has provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XX/XX/XXXX i made a one time payment on the Truist website from my XXXX XXXX checking acct of XXXX. 
On XX/XX/XXXX truist made XXXX debits from my checking account in amount of XXXX for a total of XXXX. 

once i saw what had happened i contacted truist and XXXX XXXX ( my bank ) immediately. 
truist did a reversal and paid to truist checking account ending XXXX on XX/XX/XXXX. 

i received XXXX monthly statement from truist and see a XXXX charge. called truist, talked with XXXX on XX/XX/XXXX XXXX XXXX est, to question. I had not used the card since mid XXXX and she couldn't explain the charge to me and to wait till next month and it should be off/fixed. 

XXXX rolled around, got statement, no change. called truist talked with rep can't remember name but called at XXXX XXXX est XX/XX/XXXX. 

went thru the whole issue again. after this guy doing some in investigating he cam back with this : 1. i wasn't supposed to have gotten the reversal, truist should have never done that. 
2. i was told i need to go to XXXX XXXX XXXX and log in which i did. then he told me i had recieved XXXX from XXXX in refunds on XX/XX/XXXX, which i had. he said the XXXX charge was in relation to the 2 reversals that should have never happened and i owed them XXXX seemed to have made sense at the time or i was just to frustrated to see clearly. 

I paid the truist credit card in full while i was on the phone with him XXXX i say all that to say this ; the XXXX that was taken out of my account was refunded 2 times and i have paid it back to keep this from lingering on. my original XXXX was paid on time and now i am out XXXX because they insisted that i owed them. 

this is my second issue with Truist and their credit card in less than 12 months. just had a dispute settled after 11 months in which they claimed they never received a XXXX payment in XX/XX/XXXX that was sent from bill pay from my XXXX XXXX account ( that by the way i had made a years worth of payments without a problem ). had to fill out affidavits and submit back in XXXX of XXXX, just received my money this month.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Omega RMS, LLC
State: TX

Complaint narrative:
My credit has been damaged by placing the debt on my credit. The original creditor had the authority to place this on my credit but when the debt was sold to this third-party creditor that authority was null in void. There for this third-party company has no lawful authorization to place this debt on my credit. The debt validation request has not yet been granted. Per the Fair Debt Collection Practices Act, XXXX USC XXXXg I am entitled to my request. Until that has been provided this need to be removed from my credit immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My account was accessed from another state and a person tried depositing and withdrawing funds before i noticed. Which resulted in my account being closed. Now i am having problems opening up bank accounts. I spent 9 months in XXXX, GA and during that time i had my identity compromised and lost a bank account with XXXX XXXXXXXX XXXX, as well as Navy Federal. I was also paid with illicit and illegal funds which resulted in my account being closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-30 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: CA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX RE : Inaccurate Credit Reporting ( XXXX USC XXXX ) To whom it may concern ; In accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of considering the accuracy of that information. 
The following account is reporting a balance of {$25000.00} which is inaccurate. It is my understanding and belief that XXXX XXXX XXXX XXXX charged off this debt, and that it was issued a Form 1099C as proof or evidence thereof. That balance should therefore reflect a XXXX ( XXXX ) balance on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation requiring the furnisher to correct this inaccurate information. 
Especially with the proper notice and confirmation of the errors ). 
Please remove the account from my credit report completely to avoid legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply and forward any correspondence or changes to my credit report to the address listed above Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have included in the attachments a ltter i made from my computer after countless hours of reaserching i have send these letters to the bureuas last week on XX/XX/XXXX.. 

they refuse to help me these are the accounts that wre not and do not beling to me.. 
these people keep telling me u folks would fix it .. the creditors and the bureuas this is like a loop game of ball and catch this is annoying i deamd u help me get XXXX XXXXXXXX fraud things out of my credit report this is not me never was me!! 
I WAS AFFECTED by some XXXX  XXXX XXXX thing that i XXXX after XXXX some stuff for weeks on END AND MY NAME COMES UP IN A DATA BREACH FROM XXXX SEE ATTACHED DOCUEMTNS XXXX XXXX I NEED UR HELP CFPB remove these from y credit repor XXXX XXXX XXXXXXXX see attached lttters it took me 3-4 months to learn all this i have mfinally made big letter and they wont help me! after sending it! ... to them just ignore me and play games 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 explanation
Consumer complaint received 2025-04-30 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:
I have included in the attachments a ltter i made from my computer after countless hours of reaserching i have send these letters to the bureuas last week on XX/XX/XXXX.. 

they refuse to help me these are the accounts that wre not and do not beling to me.. 
these people keep telling me u folks would fix it .. the creditors and the bureuas this is like a loop game of ball and catch this is annoying XXXX XXXX XXXX  help me get XXXX XXXX fraud things out of my credit report this is not me never was me!! 
I WAS AFFECTED by some XXXX XXXXXXXX breach thing that i XXXX after XXXX some stuff for weeks on END AND MY NAME COMES UP IN A DATA BREACH FROM XXXX SEE ATTACHED DOCUEMTNS XXXX XXXX I NEED UR HELP CFPB remove these from y credit repor XXXX XXXX XXXX see attached lttters it took me 3-4 months to learn all this i have mfinally made big letter and they wont help me! after sending it! ... to them just ignore me and play games 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 2025-04-30 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: PA

Complaint narrative:
I have included in the attachments a ltter i made from my computer after countless hours of reaserching i have send these letters to the bureuas last week on XX/XX/XXXX.. 

they refuse to help me these are the accounts that wre not and do not beling to me.. 
these people keep telling me u folks would fix it .. the creditors and the bureuas this is like a loop game of ball and catch this is annoying i deamd u help me get this stupid fraud things out of my credit report this is not me never was me!!

I WAS AFFECTED by some equifax data breach thing that i googled after XXXX some stuff for weeks on END AND MY NAME COMES UP IN A DATA BREACH FROM EQUIFAX SEE ATTACHED DOCUEMTNS THISIS STUPID I NEED UR HELP CFPB remove these from y credit repor this is dum see attached lttters it took me XXXX months to learn all this i have mfinally made big letter and they wont help me! after sending it! ... to them just ignore me and play games with my dam time!....!!!! 

XXXX

Company response to consumer: Closed with non-monetary relief