vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 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 2025-05-16 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation. 

Despite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law.

Pursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt. 

Your continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.

2. Cease and desist from any further collection activity unless full legal validation is provided.

You are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. 

I reserve all rights, remedies, and causes of action under law and equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-05-16 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:
This morning, I saw incorrect accounts appear on my credit report, and I dont understand how they got there. I reviewed my report like I normally do, but this time, unexpected errors showed up. I even refreshed my browser to rule out a technical glitch, but the inaccuracies remained. I'm requesting a careful review of the documents Ive submitted so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received an email that I owed over {$11000.00} on a credit card ending in XXXX. I checked my credit score and it had dropped significantly due to this unpaid card. I never opened a Citi credit card. I called the Citi fraud department to let them know that I did not open an account. I have called 3 times now and have been told they are " still investigating '' and I will hear back soon.

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 2025-05-16 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: MD

Complaint narrative:
I am disputing the inaccurate charge-offs being reported by Equifax, XXXX the XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$0.00}, and the XXXX account, number XXXXXXXX XXXX XXXX XXXX XXXX, also with a reported balance of {$0.00}. These accounts are being incorrectly listed as charge-offs, despite my efforts to maintain accurate credit information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to ensure the accuracy and completeness of the information it reports. The inclusion of these erroneous accounts is a clear violation of my rights as a consumer, potentially arising from compromised data given the widespread data breaches affecting millions in recent years.

Furthermore, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's failure to conduct proper investigations into disputed items, as required under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ). This includes the failure to adequately verify disputed information, allowing inaccurate or outdated data to remain on consumer files. Under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is required to promptly correct or delete any information found to be inaccurate, incomplete, or unverifiable. This ongoing negligence not only undermines the credibility of my credit file but also exposes me to unnecessary financial hardship, as these inaccuracies can lead to credit denials, higher interest rates, and significant emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I co-signed a loan in XXXX of XXXX for my niece & her XXXX ( XXXX & XXXX XXXX ) for {$300000.00}. This loan was paid off in XX/XX/XXXX & a new loan was rewritten without me as a co-signer ( XXXX XXXX # XXXX on XX/XX/XXXX ). 
This process started in XX/XX/XXXX & was completed in XX/XX/XXXX. 
The company involved on my credit report is XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX ( XXXX ). 

I have contacted them back in XX/XX/XXXX, but nothing has been done since. 

This loan appeared on my credit report in XXXX within XXXX weeks of closing, however they seem to be in no rush to remove the outstanding balance of {$280000.00}!! 

This is ridiculous and I would greatly like some assistance in getting this erroneous credit info removed from my credit reports. Greatly Appreciated 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 2025-05-16 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-16 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: GA

Complaint narrative:
Today, I discovered an unauthorized inquiry on my credit report, and Im really stressed and confused. I checked as I normally do, but this time something was wrong. I refreshed the browser hoping it would fix itself, but nothing changed. Im beyond frustrated and I demand a thorough review of my submitted documents right now so this issue is resolved once and for all.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-16 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Unauthorized Collection Account I am filing a complaint regarding a collection account reported called XXXX, a company I have no relationship. The original creditor was Affirm , Inc., and I never authorized the transfer or sale of my account or personal information to XXXX. 

This account is inaccurately reported and violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy of consumer information. Reporting a debt from a company I never had a contract with is not only inaccurate, it is unlawful.

Under 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of reported information. This account is inaccurate and misleading.

Under 15 U.S. Code 1681b ( a ) ( 2 ), access to my credit report must be based on a permissible purpose. XXXX has no such purpose, as I never initiated or consented to any relationship with them. 

I am requesting a full investigation and that this account be removed from my credit reports. 

AFFIRM Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/XXXX my card was used in another country by someone else. These charges have been refunded but it still shows late payments. XXXX XXXX is over XXXX old and was discarded in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
My information was compromised without my authorization, which violates multiple federal laws design to protect student records and personal privacy. My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of XXXX. 


Date open : XX/XX/XXXX Amount of : {$2700.00} Date open : XX/XX/XXXX Amount of : {$4200.00} Date open : XX/XX/XXXX Amount of : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Earlier today, I discovered some incorrect entries on my credit report that I cant account for. This isnt the first time Ive checked it, but its the first time Ive seen such discrepancies. I tried to refresh the browser in hopes it was just a display issue, but the false accounts were still there. I'm therefore requesting a detailed review of the documents I've sent to ensure this doesnt happen again.

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 2025-05-16 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:
XXXX - - - {$310.00} XXXX - XX/XX/XXXX - {$45000.00} AUTO XXXX - XX/XX/XXXX - {$0.00} XXXX CARD - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} BMGMONEYIN - XX/XX/XXXX - {$0.00} XXXX FCU - XX/XX/XXXX - {$33.00} XXXX - XX/XX/XXXX - {$1700.00} LVNVFUNDG - XX/XX/XXXX - {$880.00} XXXX - XX/XX/XXXX - {$0.00} XXXX AUTO - XX/XX/XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX ALLYFINANC - 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 2025-05-16 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: NV

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