vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Either XXXX or our XXXX made a mistake when creating the flood zone map for my area. 
For XXXX, our homes were not in a flood zone. 
In XXXX, XXXX came out with a map showing that now we were in a flood zone but it was a mistake. 
In XXXX of XXXX, XXXX came out with a letter saying that they were back dating our map revision for XX/XX/XXXX and my bank just took out money out of my escrow to pay for flood insurance from XX/XX/XXXX to XX/XX/XXXX. 
I called the bank, spoke to a manager, recorded the call and explained the situation and they told me that they couldnt help 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 explanation
Consumer complaint received 2025-03-28 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: NC

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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 2025-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MO

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 2025-03-28 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: TX

Complaint narrative:
There is an account labeled in collection status on my credit report with Experian that is a medical bill from a hospital stay I had in XXXX of 2023. The hospital then sent the debt to a collection agency called XXXX XXXX XXXX XXXX which is the company listed on my Experian report. I disputed it because it is medical debt and should not be on my credit report and Experian completed their review and said it was verified as accurate ; however, information unrelated to my dispute has been updated. I filed a similar dispute with XXXX for the same item and the disputed item was deleted from my 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 2025-03-28 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance {$3100.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$460.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$940.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXX inquiries XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
In mid XXXX recieved notice from Jefferson capital states that i own i balance to them credit report shows account writen off/ Charged off i sent certified mail requesting purchase agreement/ forward flow agreement the chain of custody agreement and proof that I signed contract with Jefferson capital stating I agree to balance owed. Also request all notices be mailed to address they show and cease all phone and email notifications under 15 us code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
there are inquiries and an account that does not belong to me. this is my identity theft report this is wrong all of this isnt mine. INQUIRIES - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX XXXXXXXX XXXX - XXXX THESE ARE NOT MINE

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Scammer issued fake check which my bank posted available, used funds, then check was returned for insufficient funds left my account- {$10000.00}

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX  XXXX XXXX. XXXX XXXX Incorrect Employer ( es ) : -- Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-03-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I Was XXXX In 1992 As A XXXX, XXXX Used & XXXX : As I Grew Older My XXXX Family Members Continued Doing Things To Me, My XXXX Kids & My XXXX XXXX XXXX XXXX To Keep Us Financially In A Bind. They Got Illegal Conservership, Illegal Marriage, Illegal Death Certificate To Steal My Insurance Policies, Loans, My Inheritance On A CD Disk Etc. They Recently XXXX My Kids Also Just As Well As They Did To Me : It's All An Organized XXXX XXXX XXXX XXXX XXXX XXXX I IF THE FBI DONT HELP : IM WRITING ANOTHER LETTER TO 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal and financial information was compromised without my authorization.The Family Educational Rights and Privacy Act, ( FERPA ) protects the confidentiality of student records and credit reports which was not upheld. This is a direct violation of FERPA and your responsibility to safe guard my information. I would like all debt, loan negative payments and credit removed 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 2025-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Mortgage company changed their address on XX/XX/year> but never sent out mail about this to me - Mortgage payment checks were mailed ( Billpay ) to the old address. Penfed collected these 2 checks ( XXXX and XXXX ) and never cashed them. - When I called getting a late payment notice- they told me it was the weather in XXXX in late XXXX. I went through my bank to cancel the check- took 2 days so I could resend payment to them. This payment also failed- got a notice on XX/XX/XXXX. with an additional fee attached. 

Applied a late payment of {$75.00}. Called and still never told of an address change. Called the bank - and checks were never returned to the bank. I had to cancel this check for XXXX also. 

Called a third time, this time, I was told of an address change to a new mail box in XXXX from the old one. Told me the notice was posted on their web site and never mailed to payees. I have no reason to go to their web site- just pay the bills with BillPay. 

Since the mortgage payment checks were never returned to the bank, ( I because I called ) They had access to their old address also. They intentionally were letting defaults in payments to occure. 

They gave me false reprenentation about thire address change and tricked me by rejecting my payments, charging me {$75.00} and dinging my credit history. Also created a big hassle with them and my bank.

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 monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following charge-off account on my credit report : Under 15 U.S. Code 1681b, consumer reporting agencies are only permitted to furnish consumer report information for legally authorized purposes. I have reason to believe that this charge-off account is being reported in violation of this statute.

I am requesting that you provide the following : 1. Verification of the charge-off account and evidence that it is being reported in full compliance with the Fair Credit Reporting Act ( FCRA ).

2. Proof that Experian has a legal basis to report and share this account under the permissible purposes outlined in 15 U.S.C. 1681b.

3. Complete investigation and removal of this account if you can not validate its accuracy and legal compliance.

Failure to properly investigate and correct this issue will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. I take my rights under the FCRA seriously and will pursue further action if necessary.

Please remove the following items from my credit report, immediately. 
Creditor Name 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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Today XX/XX/scrub>/2025 I received a letter of the cancellation of my credit card with ( XX/XX/year>2025 ) date due inactive credit card account. 
I immediately called PenFed to request if there was a claim I could make or how could they help me because I wanted my line to be reopened. The representative told me that theres nothing they can do when the account is closed due inactive account. 
I told the representative that I didnt want to use my card and I would try anything to reopened the account. The person said he was sorry. I know is not his fault so I did not keep complaining, but I feel it was an unfair practice.

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 2025-03-28 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: NY

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute the results of a recent investigation I requested regarding an inaccurate late payment reported on my XXXX XXXX account ( XXXX XXXX, XXXX. ) for XX/XX/year>. Despite providing sufficient proof demonstrating that this late payment was incorrectly reported, TransUnion failed to update my credit file accordingly. 

Both XXXX and XXXX have already reviewed the same documentation and made the necessary corrections, yet TransUnion continues to report this inaccurate information. This discrepancy is causing harm to my credit profile and is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a thorough and fair investigation. 

By failing to fully investigate and correct this error, TransUnion is violating federal law and neglecting its responsibility under the FCRA. I demand that you immediately : Reopen the investigation into my XXXX XXXX account. 

Correct the inaccurate late payment from XX/XX/year>. 

Provide a written response confirming the resolution and update to my credit file. 
Failure to take corrective action within the required time frame may leave me with no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies.

I expect a prompt resolution to this matter and request a response within 15 days from the date of this letter. Please provide confirmation in writing once the necessary updates have been made. 

Sincerely, 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 2025-03-28 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-03-28 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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