vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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 2025-05-05 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$290.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$600.00} XXXX XXXXXXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX BANK XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX BANK - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$540.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-05-05 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-05 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: FL

Complaint narrative:
TransUnion reinserted a previously deleted account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) without any notice, violating FCRA XXXX11 ( a ) ( 5 ) ( B ). No reinvestigation results were provided. I requested validation and reinvestigation, but they failed to respond. They also reported materially different information from Equifax including different open dates, payment dates, creditor names, and balances violating FCRA 602 ( a ), 607 ( b ), and Metro 2 compliance. I am suing TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$8000.00} in damages and am publicly documenting the entire process on social media to expose ongoing consumer harm and invite others to join.

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 2025-05-05 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-05 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/year>, I received a debt notification letter from Pressler & Pressler, but this letter was backdated to XX/XX/year> and sent using a private postage meter. The letter did not include any valid proof or documentation validating the debt, nor did it meet the legal requirements of debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

What concerns me further is that all prior and subsequent correspondence from Pressler & Pressler has been sent via BOTH certified mail and regular mail, ensuring that I was properly notified, and there was confirmation of receipt. However, the debt notification letter from Pressler & Pressler, dated XX/XX/year>, was not sent via certified mail, and it lacked any tracking number or other means to confirm receipt. 

This absence of tracking or proof of delivery is a clear deviation from the practices they followed with other correspondence and raises serious concerns about the authenticity and proper delivery of this important notification. 

Moreover, I did not receive this letter until XX/XX/year>, almost XXXX months after the date on the letter, which significantly complicates the situation and raises doubts about whether Pressler and Pressler made a good faith effort to notify me in compliance with the FDCPA 's requirements for debt validation. The delay further exacerbates the issue by preventing me from having enough time to respond or dispute the debt within the required timeframe.

I believe that Pressler & Pressler 's failure to adhere to these FDCPA requirements is unfair and inaccurate, and I am requesting that the CFPB look into this issue and take appropriate action to ensure that my consumer rights are respected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a late payments reported on my credit report with XXXX XXXX XXXX account ending in XXXX. The payments in question are inaccurately marked as late for dates XX/XX/year>, XX/XX/year>, XX/XX/year>. 

I believe this is an error because I never received the bill due to a mailing issue. 

Please investigate this matter and request that XXXX XXXX  correct or remove the late payment entries from my credit report. I appreciate your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a late payments reported on my credit report with XXXX XXXX XXXX account ending in XXXX. The payments in question are inaccurately marked as late for dates XX/XX/year>, XX/XX/year>, XX/XX/year>. 

I believe this is an error because I never received the bill due to a mailing issue. 

Please investigate this matter and request that XXXX XXXX  correct or remove the late payment entries from my credit report. I appreciate your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
There are several inaccuracies with inconsistent dates on payments.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne Dispute case # XXXX XXXX XXXX ' aka XXXX aka XXXX XXXX XXXX unknowingly charged my card {$1000.00} before providing any services for my account. I recognized the charge but was unaware they would charge me at that point. 

XXXX XXXX aka XXXX aka XXXX XXXX XXXX failed to provide any services promised in a timely manner, then refused to give a refund despite their XXXX XXXX Money Back Guarantee, explained over the phone. 

XXXX XXXX ' aka XXXX aka XXXX XXXX XXXX refused to provide a refund, despite several emails and a phone call on XX/XX/XXXX at XXXX. 

XXXX XXXX ' aka XXXX aka XXXX XXXX XXXX does not advertise a physical address, proving their fraud. 

XXXX XXXX ' aka XXXX aka XXXX XXXX XXXX has multiple complaints over numerous platforms over their performance. 

The main concern is that I wanted a refund, since they did not provide the services promised in a timely manner. 

Several complaints to the CFPB with more information concerning this matter. 
COMPLAINT ID : XXXX COMPLAINT ID : XXXX Available contact info of merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Attempted to make a lump sum payment of {$900.00} on my escrow shortage with rocket mortgage. Spoke with a representative in an attempt to do this on XX/XX/2025. When rep was recapping at the end of the call, i was assured that my payment was submitted. Now looking at my account today XX/XX/2025 it seems that payment was never submitted. I called the mortgage company again today XX/XX/2025 inquiring as to what happened with it not being submitted and they had no answers for me. Now i don't have that money to put towards the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NE

Complaint narrative:
I have unauthorized accounts on my credit report. I have tried disputing with them through dispute letters, with the bureaus directly and I have now filed a FTC report to take further actions. I have not received any proof or contract with these creditors. I will attach my FTC report with the accounts that are not mine, therefore considered fraud and I demand under the FCRA that these be removed. All of this has taken place with the last XXXX  months.

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 2025-05-05 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: NE

Complaint narrative:
I have unauthorized accounts on my credit report. I have tried disputing with them through dispute letters, with the bureaus directly and I have now filed a FTC report to take further actions. I have not received any proof or contract with these creditors. I will attach my FTC report with the accounts that are not mine, therefore considered fraud and I demand under the FCRA that these be removed. All of this has taken place with the last XXXX  months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is not reporting the correct information. My XXXX XXXX XXXX XXXX, Florida XXXX property is missing.

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 2025-05-05 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: NY

Complaint narrative:
There are several inaccuracies with inconsistent dates on payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint after countless attempts to resolve a fraudulent and unverifiable XXXX XXXX account ( Account No. XXXX ) that continues to appear on my credit report. Despite filing multiple disputes with Experian, TransUnion, and Equifax, the bureaus have repeatedly marked the account as verified without providing any documentation or conducting a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I have submitted my dispute physically via certified mail, enclosing a full identity theft report filed with the Federal Trade Commission ( FTC ), along with a copy of my government-issued ID and proof of address. To date, no meaningful action has been taken by the credit bureaus, which is a violation of FCRA 605B, requiring fraudulent information to be blocked within XXXX business days of receiving appropriate documentation. 

This account has also been reported to the XXXX XXXX XXXX XXXX XXXX ) as part of my formal complaint and demand for deletion. 

The continued reporting of this fraudulent and unverifiable account has severely harmed me, resulting in the denial of a mortgage loan, loss of housing opportunities, and emotional and financial stress. I am now demanding, under my legal rights, the permanent deletion of this account within XXXX hours of receiving this complaint. 

If no action is taken, I will escalate this matter further with the State Attorney Generals Office and consider pursuing civil litigation under 15 U.S.C. 1681n and 1681o for damages. 

Sincerely, 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