vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OH

Complaint narrative:
Received Collections notification on my Credit Report for {$9000.00} from XXXX XXXX XXXX on XX/XX/year>, company is showing it was opened XX/XX/year>. 

I can not find the info now but stated the original debt is from an apartment complex. I have never lived in an apartment complex.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-03-10 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXXXXXX 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 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GFS II, LLC
State: TN

Complaint narrative:
I am writing to formally dispute the enforceability of the service contract that Gateway Financial Solutions ( GFS ) is attempting to enforce on my account. When I purchased my vehicle on XX/XX/year>, the service contract indicated a single payment price of {$850.00}. However, GFS is now asserting that I signed a contract for {$3000.00} dated XX/XX/year>XXXX XXXX, the warranty provider, only has a contract on file reflecting the original {$850.00} price without my signature, and they do not have any record of the allegedly higher, signed contract. Under the Uniform Commercial Code 2-201, contracts for services over {$500.00} must be in writing and signed by the party against whom enforcement is sought. Furthermore, the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ) require clear and accurate disclosure of contract terms. Given that XXXX  does not possess a valid, signed contract for the {$3000.00} amount, the document GFS is relying on is legally invalid and unenforceable. Therefore, I request an immediate review of this matter and a full refund of any overcharges related to this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

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 2025-03-10 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their failure to remove fraudulent accounts from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B. I have repeatedly informed the credit bureaus that I was a victim of the Equifax data breach, yet they continue to report accounts that do not belong to me. The following accounts must be removed immediately : Collections : XXXX XXXX XXXX ( {$3800.00} ) Source XXXX XXXX ( {$5000.00} ) XXXX XXXX XXXX ( {$170.00} ) XXXX XXXX XXXX ( {$66.00}, {$1800.00} ) XXXX XXXX XXXX XXXX ( {$970.00} ) Charge-Offs : XXXX XXXX XXXXXXXX XXXX {$340.00} ) XXXX XXXX ( {$1600.00} ) These accounts are being reported illegally and violate multiple federal laws, including : 15 U.S. Code 1692c Debt collectors can not report fraudulent accounts.

15 U.S. Code 1692g No validation was provided, yet these debts remain on my report.

15 U.S. Code 1681e ( b ) All reporting must be 100 % accurate across all bureaus.

15 U.S. Code 1635 Right of rescission applies to the charge-offs listed above.

Despite my repeated disputes, the credit bureaus have failed to properly investigate and remove these fraudulent accounts. This is a direct violation of my consumer rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate removal of these accounts, as the law requires that fraudulent accounts be deleted within four ( 4 ) business days of notice.

I request that the CFPB intervene and ensure that Experian, Equifax, and TransUnion comply with federal law. If these accounts are not removed promptly, I will pursue legal action against all parties involved.

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 2025-03-10 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an inaccurate late payment entry on my credit report that I have been unable to resolve. The late payment is unjustified and should be removed. 

In XXXX XXXX  unauthorized charges were made on my XXXX XXXX, which I promptly reported to XXXX for investigation. Since the charges were under review, I did not make payments on those disputed amounts while the investigation was pending. However, during this time, a late payment was wrongfully recorded on my credit report. 

After completing their investigation, XXXX refunded the disputed transactions and confirmed that I should not have been considered late on any payments. I have case reference numbers for these investigations : XXXXXXXX XXXX XXXX. Additionally, I possess documentation proving both the disputed charges and the corresponding refunds issued by XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate and verifiable. Since XXXX itself has confirmed that I was not late on any payments, this late payment entry is an error and must be corrected immediately. 

I am requesting the CFPBs assistance in ensuring that this inaccurate late payment is removed from my credit report. This error is negatively impacting my credit profile and financial opportunities, and I expect it to be resolved in compliance with federal consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution.

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
A tenant uses XXXX XXXX to pay his monthly rent to me. Cash App advertises " up to five days before you can access your money without a fee '', but here it is the tenth day, and my money is not available without paying a {$28.00} fee. 
This is not only deceptive, it's downright criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX 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 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
on XX/XX/year> I sent letters to companies listed within my credit report asking for simple information to be provided to me so that I can properly review the errors reporting within my credit report and they have failed to respond. I am now sending a second notice and would like this to be filed for 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 2025-03-10 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I logged into Chase Travel and noticed three itineraries, even though I had only booked two for my upcoming trips. Concerned about the unexpected booking ( Trip ID : XXXX charged on my XXXX XXXX Credit Card ), I immediately called Chase Travel. Customer service transferred me back and forth between Chase Travel and Fraud, with neither department providing clear guidance. Ultimately, Chase Travel only offered to cancel the itinerary to prevent a no-show but never mentioned the option to cancel for a fee and retain a credit for a yearan option XXXX XXXX XXXX the actual ticket supplier, later confirmed was available when I called them separately. 

Although the credit card invoice listed Chase Travel as the merchant, I hadnt made the purchase, so I proceeded with a dispute and cancellation while on the phone with Chase Travel. However, Chase failed to inform me of the policy, didnt provide a cancellation email or any documentation, and didnt even offer to issue a new credit card. To ensure I had proper documentation and would receive a new card, I submitted the dispute myself through the Chase website. After this frustrating experience, I contacted XXXX XXXX to clarify their policy. Now, Im concerned that I wont be refunded the {$1500.00} for an itinerary I never booked. 

Please note, I am waiting a new credit card and the last four digits are only available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-10 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-03-10 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:
I have tried multiple times to dispute in correct items and personal information on my report to accurately get these items removed and or updated

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 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-10 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
" 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