vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: FL

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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Remove the payment plan fees because I returned the item and got a refund. 

Bought a watch, used chase pay over time payment plan ( installment plan ), returned the item because it was defective. Merchant issued a refund for the watch and the warranty, but not for the shipping costs ( {$14.00} ). I paid this shipping costs to my card to close the pay over time plan and do not incur in the plan fees ( {$60.00} ). 

Called over 14 times and the bank did not help me to remove my the pay over time plan, forcing me to keep the payment plan open to collect the payment fees. 
This is not fair, and I am sure it is illegal to force someone to keep a payment plan open, to collect the payment fees. 

In sum, this is only {$60.00} but they are a big bank and I am sure I am not the only one getting hurt by this. 

I hope you can help me. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-07 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-04-07 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: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted the Equifax phone number many times wasting hours with representatives who are not helpful at all resolving my issue, some of whom have also been argumentative telling me I do not understand how things work when asked to be transferred to a supervisor. I have the following issue which negatively affects my credit score, and Equifax is the only party responsible for this. My credit file with Equifax does not include all of my accounts and also, for the accounts that show there, the last reporting period is in XXXX. I have called my financial institutions, and they have confirmed that everything is being reported to Equifax as of last month however none of the information shows on my credit file with Equifax. All the reporting stopped sometime in XXXX  however the banks are still reporting to this day, so all my information is being added to a potential split file that Equifax has for my name. I have contacted my financial institutions, and they checked the Equifax credit report on their end and confirmed everything is up to date, however when I access my credit report through myEquifax the account information is not updated, and some accounts are missing. I hope this gets resolved ASAP so I do not have to proceed to filing a lawsuit against Equifax since it is affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This company has been paid and written off Citicards/citibank XX/XX/XXXX XXXX XXXX XX/XX/XXXX Paid and closed XX/XX/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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
They never really did a investigation they just kept declining my dispute experian I have stuff on my credit that I did not sign up for my information was in a data breach

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 2025-04-07 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: NV

Complaint narrative:
Formal Dispute of Ownership Pursuant to FCRA 611 Dear [ Credit Bureau ] I am writing to formally dispute the ownership of certain accounts currently appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an immediate reinvestigation of the following accounts, which I do not recognize, nor do I claim ownership of : XXXXDofed amount shown is XXXX date XX/XX/XXXX XXXX/Dofed amount XXXX is XXXX date XX/XX/XXXX Dpt edXXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX  amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX amount shown XXXX date XX/XX/XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX amount shown XXXX date 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 2025-04-07 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: NV

Complaint narrative:
Formal Dispute of Ownership Pursuant to FCRA 611 Dear [ Credit Bureau ] I am writing to formally dispute the ownership of certain accounts currently appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an immediate reinvestigation of the following accounts, which I do not recognize, nor do I claim ownership of : XXXXDofed amount shown is XXXX date XX/XX/XXXX XXXX/Dofed amount XXXX is XXXX date XX/XX/XXXX Dpt edXXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX  amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX amount shown XXXX date XX/XX/XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX amount shown XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX amount shown XXXX date XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding your continued attempt to collect on a debt that is not only fraudulent, but has never been validated or verified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
You are reporting a collection account on behalf of XXXX XXXX XXXX in the amount of {$3400.00} under my name. I have never applied for, signed for, lived at, or authorized anyone to use my personal information to lease any unit from that property. I informed your office in writing that my identity had been compromised and that this was a case of identity theft. 

Despite my notice and request for debt validation, you have failed to provide : A copy of any signed lease agreement bearing my signature Verification of residence or utility records Legal documentation substantiating the debt You are in violation of FDCPA 809 for failing to cease collection efforts while the debt is in dispute, and FCRA 623 for furnishing data to the credit bureaus that has not been verified or authenticated. 

Your continued reporting and collection efforts constitute : Negligent and/or willful non-compliance Consumer rights violations Emotional and financial harm, due to damage to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
In attendance 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. XXXX XXXX, XXXX XXXX XXXX, I looked at my Equifax report on XX/XX/year> and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to the 15 USC 1681 i 5 they are suppose to ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 investigation; 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 2025-04-07 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: AK

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 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: AK

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I have repeatedly submitted proof of fraud regarding a credit application submitted using my information. This credit bureau that uses multiple names refuses to remove the debt or validate it. They also refuse to update any dispute I open and won't send me any debt validation. The representatives that I have spoken with have been rude and made comments that I " must be broke and don't want to pay my bills ''. I want the information I have submitted review and a status update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Inaccurate Personal Information and Fraudulent Inquiries Dear [ XXXX / XXXX / TransUnion ], I am writing to formally dispute and request the immediate deletion of inaccurate personal information and fraudulent inquiries from my credit report. This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Please REMOVE the following inaccurate names and aliases : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXXXXXX Please REMOVE all addresses EXCEPT : XXXX XXXX XXXX, XXXX, GA XXXX Inaccurate and outdated addresses to be removed : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I am also disputing the following unauthorized or fraudulent inquiries listed on my XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Retail, Not Elsewhere Classified

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've never received my 1099 cancellation of dept form and because of that this account is inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
XXXX  months of XXXX  losing payoff checks from refinancing my home and title company mailing payoff checks to them. XXXX lost both checks, did not cash, then requested copies of cashed checks to investigate check where-abouts. 

I was unable to get my loan payoff processed, so my title company sent the funds to me to pay off directly. XXXX allowed XXXX payment of {$12000.00}, but has since declined my other payment attempts and stated, " You have reached your maximum payments for this month, and have to wait until next month to process any more payments. '' I have been led in circles for 2 months, and am now being held XXXX by my auto loan company. I can not simply pay off my loan, and interest is accumulating all the while.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
The year XXXX XXXX said that they were missing payments and ask me supply my bank statements which i.did and then they said they couldn't find the payments I told them what page they were on and they couldn't find the payments at XXXX in the meantime I got XXXX of the federal agencies to help me get caught up and they did. XXXX was suppose to.find out where the payments went to. I didnt hear back from them nothing in the.mail or call. A lady show up.last friday and said it was in foreclourse I never got anything. XXXX was suppose to take.the payments i proved with my bank statements and applied.them.to.my account we are talking about XXXX worth of.payments and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

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