vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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, 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 2025-05-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm filing this complaint to SYNCB/CARE CREDIT because Ive discovered inaccurate and unfairly reported late payments on my credit reports that are causing serious harm to my financial life. 
Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. Ive disputed the account, and they either verified them without proper investigation or flat-out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that is in compliance with XXXX XXXX standards or federal law. The item is not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate SYNCB/CARE CREDIT, as well as take enforcement action where necessary. I also demand the immediate removal of these late payments, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this company need to be held accountable when they break the rules. Thank you for standing up for consumers like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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, 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 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 2025-05-21 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: TX

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
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-21 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: FL

Complaint narrative:
I am writing this letter to request the removal of the delinquent payment associated with XXXX XXXX. There was a miscommunication between their XXXX XXXX and XXXX XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX which to XXXX XXXX, they were supposed to make any and all final payments that were due on the return. They had issues between their companies and never made the payment. I had argued this for a few months until they finally realized their error and the payment was made. 

I purchased the car in XXXX the credit report Show late XXXX, XXXX and Charge off on XXXX and XXXX. I need anything negative on this report to be removed. This is impacting me getting a loan for my daughter 's college. 

I have a letter from XXXX XXXX to all three credits companies stating it was their issue and the delinquency should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this letter to request the removal of the delinquent payment associated with XXXX XXXX. There was a miscommunication between their XXXX XXXX and XXXX XXXX. I traded in my XXXX XXXXXXXX XXXX XXXX which to XXXX XXXX, they were supposed to make any and all final payments that were due on the return. They had issues between their companies and never made the payment. I had argued this for a few months until they finally realized their error and the payment was made. 

I purchased the car in XXXX the credit report Show late XXXX, XXXX and Charge off on XXXX and XXXX. I need anything negative on this report to be removed. This is impacting me getting a loan for my daughter 's college. 

I have a letter from XXXX XXXX to all three credits companies stating it was their issue and the delinquency should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AZ

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX  failed to report my mortgage payments for over a year, despite having received and processed my reaffirmation agreement in XXXX. They falsely claimed they never received the signed agreement, when in fact they submitted it without my attorneys signature and blamed him for the delay. 

After further investigation, it was confirmed that XXXX had all the required documentation, but submitted the form incorrectly. This mistake led to over a year of missed mortgage credit reporting, despite my consistent on-time payments. We returned to court on XX/XX/XXXX, and reaffirmation was reprocessed and served properly. 

I am requesting that XXXX be required to retroactively report all my on-time mortgage payments from the original XXXX reaffirmation forward to all credit bureaus, as their internal error caused significant and unnecessary damage to my credit.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX failed to report my mortgage payments for over a year, despite having received and processed my reaffirmation agreement in XXXX. They falsely claimed they never received the signed agreement, when in fact they submitted it without my attorneys signature and blamed him for the delay. 

After further investigation, it was confirmed that XXXX had all the required documentation, but submitted the form incorrectly. This mistake led to over a year of missed mortgage credit reporting, despite my consistent on-time payments. We returned to court on XX/XX/XXXX, and reaffirmation was reprocessed and served properly. 

I am requesting that XXXX be required to retroactively report all my on-time mortgage payments from the original XXXX reaffirmation forward to all credit bureaus, as their internal error caused significant and unnecessary damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX  failed to report my mortgage payments for over a year, despite having received and processed my reaffirmation agreement in XXXX. They falsely claimed they never received the signed agreement, when in fact they submitted it without my attorneys signature and blamed him for the delay. 

After further investigation, it was confirmed that XXXX had all the required documentation, but submitted the form incorrectly. This mistake led to over a year of missed mortgage credit reporting, despite my consistent on-time payments. We returned to court on XX/XX/XXXX, and reaffirmation was reprocessed and served properly. 

I am requesting that XXXX be required to retroactively report all my on-time mortgage payments from the original XXXX reaffirmation forward to all credit bureaus, as their internal error caused significant and unnecessary damage to my credit.

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My name is XXXX XXXX, my previous name is XXXX XXXX. I got my first name change through naturalization and I also attached the name change letter in this package. I hired XXXX firm back in XXXX to settle XXXX XXXX with XXXX Rewards credit card with Phillips & Cohen. Me and XXXX XXXX  agreed to set up a XXXX  XXXX  account so I can send my money to the XXXX  account and they will use this account to make out payments to Phillips & Cohen. In XX/XX/XXXX, Phillips & Cohen agreed to settle the account in the amount of {$3900.00} with XXXX payments monthly from XX/XX/XXXX to XX/XX/XXXX. I also attached the settlement letter in the package. In addition, I attached the statements showing payments from XXXX XXXX account to Phillips & Cohen, along with all receipts for every single payment. 
XXXX XXXX account ending in XXXX Phillips & Cohen account number ending in XXXX XXXX XXXX  with XXXX rewards ending in XXXX. 
Despite I already paid all the settlement amounts, the balance still shows on my credit report. I called Phillips & Cohen to resolve the problem and they told me I made payments to the account ending with XXXX, not the one ending XXXX. I finally figured out that they had misread the account numbers. The payments were going to their account ending in XXXX to pay my account ending in XXXX. I have been calling Phillips & Cohen since XXXX to resolve this problem and the problem still has not been resolved. On XX/XX/XXXX, I called them again and they said the account has been closed from their end since XX/XX/XXXX and has been sent back to XXXX XXXX  Delaware. 
I directly contacted XXXX XXXX  Delaware and they told me to send in all supporting documents. On XX/XX/XXXX, I sent all requested documents to XXXX XXXX XXXX via XXXX. I called them 2 weeks later to check on the status of the documents and they said they received it and working on reviewing, they asked me to call back in 10 business days. I called them back again in 2 weeks and they said they were still working on it. I have called them 3 times and nothing has been resolved. Today, XX/XX/XXXX, I called XXXX again and they said they didn't receive any documents from me.This matter has been pushing back and forth for 6 years and honestly I am so tired and my time consuming to get this matter resolved. 
Therefore, I kindly request for your consideration to look into this matter and get the issue resolved for me because it has had a big impact on my credit report for years. I really appreciate your help. Please feel free to contact me via phone @ XXXX or via email at XXXX for any questions or request any additional information.

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 2025-05-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
RESURGENT/LVNV FUNDING Potentially negative Date opened XX/XX/XXXX XXXX {$430.00} XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 
RESURGENT/LVNV FUNDING Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
RESURGENTXXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$430.00} XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of 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 2025-05-21 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:
Greetings, I am XXXX XXXX and am reporting a violation I see on my credit report that needs to be removed. Accounts : Department of educationXXXX : XXXX Department of education XXXX XXXX These two accounts are in complete violation 15 U.S. 6802 ( B ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. These accounts completely violate my rights as a consumer and you guy are given 30 days at the most to correct this issue. You never contacted me before you disclosed my information to this 3rd party. XX/XX/year>

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 2025-05-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-21 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: CA

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 2025-05-21 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, 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