vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX XXXX This account is reporting as a collection /charge off and is negatively impacting my credit score. The reporting of this account is incorrect as it is still reporting a balance after it was charged off. I urge your agency to investigate and provide all missing information. Please also provide an explanation why there is a balance due reporting while also reporting it as a charge off. -- This is a violation and I demand the immediate deletion of this account to ensure that your agency is reporting only full and complete information on my account. 

XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX  Again, This account is reporting as a collection /charge off and is negatively impacting my credit score. The reporting of this account is incorrect as it is still reporting a balance after it was charged off. The date if last activity and date of last payment is reporting inaccurately as well. I urge your agency to investigate and provide all missing information. Please also provide an explanation why there is a balance due reporting while also reporting it as a charge off. -- This is a violation, I demand the immediate deletion of this account to ensure that your agency is reporting only full and complete information on my account. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX XXXX  In addition to both accounts being reported with different account reference numbers, last activity date and last payment date, this account was charged off and STILL being reported on my credit report with a balance due. Please investigate and ensure that all information on my report is accurate, providing all missing information and explanation as to why there is a balance due after charge off. These multiple violations are negatively impacting my score due to negligence of reporting accurate information. I demand this account be deleted immediately. 

XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX  Heres another violation, impacting my credit score negatively, charged off account with a past due balance. Demanding an immediate deletion off credit reports, requesting a full investigation for accuracy and explanation as to why a balance is reporting AFTER charged off. 


Please be aware that I am keeping a detailed record of all correspondence and action taken throughout this process. Failure to respond to this letter/ complaint and or address the mentioned violations within the specified timeframe will leave me no choice but to proceed with legal action to protect my rights as a consumer. 

I trust that these matters will be taken seriously and handled in a timely and professional manner. I look forward to receiving a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/year> I returned my keys garage remotes and parking sticker decal to the XXXX XXXX XXXX XXXX XXXXXXXX California. They gave me a receipt that proves everything was turned in signed by their employee XXXX XXXX. XXXXwo years later they billed for the keys garage remote and parking sticker decal. I told them that this was incorrect and a mistake. I disputed the inaccuracy for two years. They sent it to collections and I disputed it with the collections. I didnt remember where I put my receipt but I recently found it. It proves there is no debt owed to the apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

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 2025-04-25 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: CA

Complaint narrative:
TransUnion is currently reporting an unauthorized and inaccurate hard inquiry from XXXX XXXXXXXX dated XXXX/2025. I did not authorize or apply for any new credit with XXXX XXXX on or around that date, and I have not established any new relationship with them that would justify this inquiry. According to the Fair Credit Reporting Act under 15 USC 1681b ( c ), a consumer reporting agency may only furnish a report for a permissible purpose. No such permissible purpose exists in this case, and the inquiry was made without my consent or authorization. I previously disputed this with TransUnion, yet they failed to provide any documentation proving that I initiated this request or approved this access to my report. Their failure to verify the legitimacy of this inquiry constitutes a violation of 15 USC 1681i and further demonstrates noncompliance with federal consumer protection laws.

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 2025-04-25 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: PA

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 2025-04-25 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: CA

Complaint narrative:
Equifax is currently reporting a false late payment associated with the XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), even though the account clearly reflects a {$0.00} balance and {$0.00} past due amount. This is not just inaccurate it is entirely unsupported and misleading. By listing this item as a late payment despite no outstanding balance, Equifax has violated 15 USC 1681e ( b ) of the Fair Credit Reporting Act, which mandates that all credit information must be as accurate as possible. I have formally disputed this item before, but Equifax has not provided a single document, contract, or valid record to prove the legitimacy of this derogatory mark. The bureaus failure to properly reinvestigate under 15 USC 1681i and remove clearly unverifiable data is both irresponsible and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-25 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 ) 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 non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, to formally request an investigation and immediate removal of all inaccurate and unverifiable personal information currently listed on my Experian credit report.

Upon reviewing my credit report, I noticed multiple variations of my name and several addresses that I do not recognize or have never been associated with. The following items are incorrect and must be deleted : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are not accurate, and I believe they may be the result of outdated or misreported information. Under the FCRA, you are required to ensure all information on my credit file is accurate and verifiable. Any item that can not be verified must be deleted from my file.

I have also noticed 2 inquiries not made or verified by me and would like them investigated and removed from my consumer report immediately.

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 2025-04-25 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I requested a {$10000.00} credit balance refund from Bank of America on XX/XX/year>. I was told the refund would be mailed within two weeks, by XX/XX/XXXX. When I didnt receive it, I contacted customer service and was later informed that the original request had not been submitted until XX/XX/XXXX and that I would now have to wait two more months. 

On XX/XX/year>, I spoke with a representative named XXXX XXXX who assured me that my case had been escalated and that I would receive my refund within 10 days. She instructed me to call her back on XX/XX/XXXX for a status update. I followed up multiple times by email and phone but received no reply. 

As of today, I have still not received my refund, and Bank of America has not provided tracking, proof of mailing, or any new updates. I also emailed Bank XXXXf Americas Executive Customer Relations team, but I have not received a resolution. 

I am seeking immediate confirmation that the refund has been processed and mailed, with tracking or delivery confirmation provided. If not yet mailed, I want the refund expedited without further delay. This issue has caused unnecessary stress and should have been resolved weeks ago.

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 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/year> dialed XXXX to PNC customer services. Requested to speak to a manager regarding closing my savings account. Manager XXXX answered and I mentioned I wanted to close savings account, she stated I need to give ssn, I told her I would not over phone, she stated I could write a letter to have account closed by providing, Savings account #, Type of account, phone #, Address to send check. Mail to : Closing Savings XXXX XXXX XXXX. 
XXXX, PA XXXX I wrote the letter and sent it on XX/XX/year>. 
XX/XX/year> called PNC Customer Service to find out status a between 3 individuals I spoke with none of them would tell me the status of savings close-out check. Spoke with a XXXX, XXXX and XXXX. 
Ive been trying to get my money for over a month. They want me to go to a PNC branch and I moved ( retired ) XXXX miles from the PNC, there is not one around me. This is terrible customer service. Someone in PNC put a ALERT on my account, so they say and now I have not been able to move or withdrawal the money. I have been with PNC over 30 years. Thank you for helping anyway you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 2025-04-25 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 2025-04-25 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-25 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: MI

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 2025-04-25 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: MI

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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I recently discovered that my previous landlord had placed an outstanding balance with a collection agency, XXXX, which is now appearing on my credit report. The amount listed is significantly higher than what was previously determined by the court. Despite this discrepancy, I attempted to resolve the matter by offering to pay the balance in good faith. 

However, on multiple occasions when I contacted XXXX, they refused to negotiate the amount or provide me with the option to make a payment through their website. Instead, I was repeatedly instructed to provide my payment information over the phone, which I am not comfortable doing for security reasons.

Additionally, it appears that only one representative, XXXX XXXX, is allowed to handle my account. Unfortunately, he has been unwilling to discuss or reconsider the balance, even after I explained that the amount being reported does not align with the court 's findings. 

I would like to understand what rights I have as a consumer to resolve this debt without having to provide my credit card information over the phone. I am seeking a secure, transparent, and fair method to bring this matter to a close.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-25 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character )XX/XX/XXXXXXXX XXXX acct # XXXX, XX/XX/XXXXXXXX acct # XXXX, XX/XX/XXXXXXXX acct # XXXX, XXXX acct XXXX XXXXXX/XX/XXXX acct # XXXX,XX/XX/XXXXacct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # 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