vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been dealing with this with Transunion and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with Transunion reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. Transunion and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with this with XXXX and Equifax for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today Equifax reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and Equifax needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to formally request your assistance in resolving an issue regarding incorrect information on my credit report that has been reported by LVNV Funding LLC. This debt, which was reported by the creditor, has been paid in full as of XXXX, but it continues to appear as outstanding on my credit report. Despite the payment, LVNV Funding LLC has not updated this information, and I am requesting that you review this matter and ensure that my credit report is corrected. 
LVNV Funding LLC has been made aware that the debt was paid in full, but they have not updated my credit report to reflect this change. The continued reporting of this debt as unpaid is both inaccurate and damaging to my credit. I have already made efforts to resolve this directly with LVNV Funding LLC, but the issue remains unresolved. 
As part of my request, I ask that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure that LVNV Funding LLC provides the necessary documentation reflecting the paid status of this debt. Additionally, I request that I be provided with documentation confirming the update to my credit report once this correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt action in investigating this issue and ensuring that my credit report accurately reflects the paid status of this debt. 

Documents I requested : Copy of the debt showing the incorrect debt status Proof of payments for the debt - remove this from my credit report it is inaccurate and keeps reappearing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name and Account numbers and what they begin with : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ~ has violated my rights . 15 U.S.C. 1681 s-602 A ~ States I have rights to privacy. 15 U.S.C. 1681 s-604 A ~ s2 ~ It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( s ) section states no consumer reporting agency may make any consumer report containing any of the following items if information, other than record of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 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 2025-03-04 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: NE

Complaint narrative:
I have charge offs on my credit report which should not be posted as charge off accounts are considered as income., as well as not having received necessary 1099report from reporting party. Charge offs should be removed from all credit reporting agencies.

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 2025-03-04 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: NE

Complaint narrative:
I have charge offs on my credit report which should not be posted as charge off accounts are considered as income., as well as not having received necessary 1099report from reporting party. Charge offs should be removed from all credit reporting agencies.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was notified of a hard inquiry to my credit. Upon looking, I saw an inquiry from Capitol One, an institution I have no banking, lending, or credit relationships with. I froze my credit and placed fraud notices on it as well. I contacted Capitol One applications, where representatives named XXXX and XXXX informed me that an application for a XXXX XXXX card had been made in my name. They flagged it as fraud and said they would terminate the application. I requested a copy of the application and confirmation in writing of our conversation and the closing of the account, which they declined to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had some interest to upgrade to Chase Sapphire Reserve from Chase Sapphire Preferred but not in any urgent fashion. As part of my inquiry I was informed that the Reserve does not provide anniversary boost points, like the Preferred, and that I should await my anniversary date to make the change so that I would secure these points which amounted to somewhere around XXXX. So I typically receive these points as a credit on my XXXX statement, though as they explained it, I would not have to wait till then to convert my card to Reserve, as long as it was done after my anniversary date, it would entitle me to the " Anniversary Boost Points '' regardless. I confirmed this on multiple calls to Chase as did my wife. Based on that advise, I called in once again to confirm and if that was in fact the case i would request the conversion. At time of conversion, the representative confirmed my Chase Sapphire Preferred card anniversary to be XX/XX/XXXX and this being XX/XX/XXXX, I was sure to receive the boost points and it should be posted on my XXXX statement. Unfortunately, as soon as I received my XXXX statement I noticed that no Anniversary Boost Points credit had been made, I called Chase immediately and spoke with Chase representative, XXXX XXXX on XX/XX/XXXX @ XXXX PST, he both confirmed my anniversary date and the conversion date and in conversation i suggested they review the calls but there would be no need as the facts are the facts, though I would appreciate a transcript of the calls if they were reviewed, multiple calls clearly detailing the advice given to us by Chase representatives, he said though the facts were clearly on my side, he would escalate and Chase would get back to me.

I received a letter from Chase today with an explanation that is neither related or true about any calls I had made in this regard. They basically said something to the effect that the points that were paid in XXXX of XXXX were not being removed and the call confirms that, this is an absolute disregard for the facts and any call that had been made. I believe this to be made up just to not honor WHAT IS CLEAR AS TO THE FACTS. In speaking with them today, XX/XX/XXXX I have now been told that their letter is final and no further action can be taken on this. I have been with Chase since the XXXXXXXX XXXX, I had no urgency to make that change, true review of the calls would absolutely prove that, as though the facts are not enough, they provided the advice and I acted on their expert advise, they are absolutely ignorant to their responsibilities if this is how they treat valued customers in good or great standing. Greatly appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I received a confusing collection letter that violates XXXX XXXX by listing multiple companies for the same alleged debt : - Resurgent Services on letterhead - XXXX XXXXXXXX XXXX XXXXXXXX ( claimed original creditor ) - LVNV Funding LLC ( claimed current owner ) - XXXX XXXX XXXX XXXX ( claimed servicer ) The letter created deliberate confusion about : 1. Who actually owns the debt 2. Who has collection rights 3. Where to send responses 4. Which company is responsible I submitted identity theft documentation, but all three credit bureaus ( XXXX, XXXX, and XXXX ) improperly " verified '' this account despite : - Multiple companies claiming different roles - No clear proof of ownership - Identity theft claims - Violations of Texas debt collection laws The amount in question is alleged to be {$580.00}, but ownership is unclear due to multiple companies involved. 

I have requested : 1. Immediate deletion from credit reports 2. Clear proof of debt ownership 3. Investigation of identity theft claims 4. Cease of all collection activity Despite these requests, they continue to : - Report to credit bureaus - Attempt collection - Create confusion about ownership - Ignore identity theft documentation This violates both FCRA and TDCA requirements for proper debt validation and handling of identity theft claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXX XXXX XXXXXXXXInquiry XXXX XXXX NAInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXXXXXXInquiry XXXX XXXXLInquiry XXXX XXXXInquiry XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all 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 2025-03-04 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: NC

Complaint narrative:
Check my credit report and saw fraudulent account in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Check my credit report and saw fraudulent account in collections

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 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I placed an order with Target, which included an XXXX XXXX XXXX XXXX Controller and a lint roller. The order was delivered on XX/XX/year>, but only the lint roller was included in the packagethe controller was missing. I contacted Target customer service on XX/XX/year>, to request a refund for the missing item. However, they refused to issue a refund, stating that the order was marked as delivered, despite my explanation that I never received the controller. Additionally, Target has declined to remove the charge from my Target store card, leaving me to pay for an item I did not receive. I am filing this complaint to seek resolution and a proper refund for the undelivered product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Unauthorized and unverified hard inquiries on my credit report please remove all of them. There is XXXX hard inquiries on my credit XXXX  report, 12 on my equifax and 20 on my XXXX  report that I would like to be removed. The operators always give me the run around and are never any help Ive called and nothing has changed.

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 2025-03-04 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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