vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Accounts were closed and written off need them to be deleted

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 2025-03-03 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is absolutely unacceptable. I have been disputing these fraudulent accounts with TransUnion for over a year, yet they are still on my credit report. I have repeatedly provided clear, documented evidence proving that these accounts were opened fraudulently, without my consent. Despite this, TransUnion continues to ignore my rights, disregard the law, and refuse to correct my credit file. I have already submitted a police report, an FTC Identity Theft Report, and formal disputes all of which explicitly prove these accounts are fraudulent. XXXX and XXXX immediately removed these accounts upon review, yet TransUnion refuses to act. This raises a serious and disturbing question : Why is TransUnion deliberately refusing to follow the law? Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to ensure maximum possible accuracy in credit reporting. Instead, it continues to report false and damaging information, blatantly violating my rights. Furthermore, under 15 U.S.C. 1681b ( 2 ), a consumer report may only be furnished with the written instructions of the consumer. I never gave TransUnion permission to report fraudulent accounts in my name. TransUnion is willfully disregarding federal law and acting in bad faith by keeping these accounts on my report. This is not a simple mistakethis is negligence and noncompliance at its worst. At this point, I have no faith that TransUnion is conducting any real investigation. Instead, it relies on automated responses and fails to manually verify the accuracy of the data it reports. I demand a proper, thorough, and immediate investigation, not a generic response or another empty excuse. If TransUnion can not prove these accounts were legitimately opened by me, they must be deleted immediately. This situation has already caused severe financial harm, unnecessary hardship, and emotional distress. Because of TransUnions refusal to correct my file, I have been wrongfully denied credit opportunities and am unable to move forward with my mortgage process. This is beyond frustratingit is outright damaging. If TransUnion fails to correct this issue immediately, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent noncompliance. I will seek full damages for the financial and emotional suffering caused by TransUnions reckless disregard for my rights.

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 2025-03-03 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-03 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: NJ

Complaint narrative:
I am disputing the inaccurate late payments reported on my XXXX XXXX XXXXXXXX account, which contradict the correct payment status. Under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), information included in consumer reports must be accurate, fair, and verifiable. However, my account is still being falsely reported with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite being correctly classified as Paid or paying as agreed. This misreporting violates 15 USC 1681e ( b ), which requires maximum possible accuracy in consumer reports. Additionally, under 15 USC 1681b ( a ), consumer information may only be included when it serves a legitimate and lawful purposeallowing false and damaging data to remain does not meet this standard. These errors negatively impact my credit standing and financial opportunities, and their continued presence is unacceptable. I demand the immediate removal of these incorrect late payments and expect written confirmation once the necessary corrections have been made, along with an updated copy of my credit report. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing claims under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as consulting legal counsel to ensure my rights are fully enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: DISCOVER BANK
State: MA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I recently obtained a copy of my credit report and found the following accounts to contain inaccuracies that must be removed immediately as they are either outdated, incorrectly reported, or unverifiable. 

XXXX. XXXX ( XXXX ) Incorrect Late Payment Reporting Issue : Inconsistent late payment reporting across bureaus. The dates of late payments differ between credit reports, which is an FCRA violation ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Action Requested : Delete the late payment history or provide proper documentation showing correct reporting across all three bureaus.

2. Petal Card Account Closure & Negative Mark Reporting Issue : This account was closed at my request, yet it is still reporting a negative payment history, which violates FCRA 15 U.S.C. 1681s-2 ( b ).

Action Requested : Either update this account to " Closed in Good Standing '' or delete the entire trade line. 

XXXX. XXXX XXXX Overstated Balance & Charge-Off Discrepancy Issue : This account is reporting a balance higher than my credit limit ( 129 % utilization ), which raises suspicion of an improper interest calculation or illegal overstatement.

Action Requested : Provide proper verification of how this balance was calculated or delete the account entirely for inaccurate reporting. 

XXXX. XXXX XXXX ( XXXX XXXX  ) Failure to Update Balance & Charge-Off Date Manipulation Issue : The reported charge-off date does not align with my records, suggesting re-aging to extend the negative impact longer than legally allowed ( FCRA 15 U.S.C. 1681c ).

Action Requested : Remove this charge-off due to failure to comply with accurate reporting laws. 

I am filing this complaint against Discover Bank for inaccurate credit reporting and failure to verify my correct address under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. The account in question is incorrectly tied to an address that I never resided at, which violates federal requirements for accuracy in credit reporting. 

I have disputed this issue with the credit bureaus and the creditor, yet Discover Bank has failed to provide proper documentation proving that this account belongs to me at the stated address. Since the FCRA requires that all reported information be accurate and verifiable, and since this account is linked to a false address, I request that this account be immediately deleted from my credit report due to failure to comply with reporting laws.

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-03-03 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit acceptance charged me well over what my vehicle is actually worth. The interest rate is extremely outrageous. They knew i wouldnt be able to afford it. Theyre engaging in predatory lending practices.

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 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
Company Names : XXXX XXXX XXXX American Profit Recovery , Inc . 
Summary of Complaint : XXXX XXXX sent a debt I did not owe into Debt Collections with American Profit Recovery , Inc . I do not have the original copy of the collections notice, but I do have the Debt Dispute Reference # XXXX with American Profit Recovery. 

I am disputing an alleged debt that was improperly sent to collections by XXXX XXXX and is now being pursued by American Profit Recovery , Inc., this complaint is in regards to both companies not being responsive. Despite my formal written dispute sent on XX/XX/XXXX XXXX, and a follow-up email sent to both parties on XX/XX/XXXXXXXX XXXX, neither company has provided any response, acknowledgment, or legally required documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt is unsubstantiated and directly conflicts with written confirmation I received from XXXX XXXX ' representative, XXXX XXXX, stating that my final invoices were waived. 

Despite multiple requests for documentation, including a breakdown of the alleged {$4600.00} balance, proof of invoicing after XX/XX/XXXX, and a complete payment history, I have received no response from either party. 

Their failure to respond constitutes a violation of the FDCPA, and they have continued to damage my business reputation by reporting an unsubstantiated debt. I am requesting immediate assistance from the CFPB to : Investigate this matter. 
Require XXXX XXXX and American Profit Recovery to provide full debt validation documentation. 
Ensure that any inaccurate reporting is corrected. 
Impose penalties if violations of the FDCPA are confirmed. 
I have attached supporting documentation, including email correspondence, prior invoices, payment records, and my formal dispute letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NV

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account I was never associated with. Following proper procedures, I filed an FTC report as advised by Equifax and submitted the necessary documentation. Despite this, the fraudulent item remains on my credit report. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX According to codes 15US CODE {$1600.00} 15 US CODE $ 1681b According to the fair credit reporting act section 15 USC 1681C-2 AND 605B, It is illegal to report information on my credit report without my permission. Please remove this 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 2025-03-03 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: NY

Complaint narrative:
Open 3 credit cards diffent banks without my consent. 
I contact XXXXXXXX XXXX and Capital One. They already cancel the credit cards and open fraud investigations. 
XXXX XXXX XXXX XXXX  I have not contact yet.

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

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 2025-03-03 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: TX

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