vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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 silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: VA

Complaint narrative:
Fraudulent accounts were opened in my name been telling them This for months to remove them this company is in violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/year> I received three new debit cards in my name sent to my home address through XXXX mail from XXXX different companies ( PayPal, XXXX XXXX, and Yes ). I did not request any of these debit cards and have not requested any other debit cards, credit cards or any other new bank accounts in the last several months. 

The same day I also received a letter from XXXX XXXX  confirming an application in my name that was made on XX/XX/year>. None of these debit cards/applications were requested by me and all appear to be fraudulent activity associated with potential identity theft. 

I have called PayPal, XXXX XXXX and XXXX to report these debit cards and request that they be frozen or closed. To the best of my knowledge those debit cards have been closed or frozen. 

I have attempted to contact XXXX about their unsolicited application in my name but was only able to schedule a phone call for XX/XX/XXXX. On XX/XX/year>, I also sent an email to an email address provided on their website explaining the issue but have not received a reply so far. 

I do not know if any charges or other activity has taken place on through these accounts that were opened in my name. 

I have requested a fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 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 2025-03-07 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 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 2025-03-07 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: GA

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 2025-03-07 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: TN

Complaint narrative:
Towering sent me a check for {$6000.00} and if I cashed it I agree to the terms of the loan which I didnt fully understand until afterwards. Once I got behind they called and stated they were getting ready to file a lawsuit and garnish my wages. I explained I only get social security and pension. They convinced me to refinance the loan to prevent the lawsuit. This was at two different locations, I still make payments but late. They continue to come to my house requesting payments. I am ill and waiting on my Disability to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
XXXX continues reporting a late payment on my prepaid account despite multiple disputes. This account was fully paid with no outstanding balance, yet a fee was added without notice. The late payment is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-03-07 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:
XXXX continues reporting a late payment on my prepaid account despite multiple disputes. This account was fully paid with no outstanding balance, yet a fee was added without notice. The late payment is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-03-07 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: FL

Complaint narrative:
XXXX continues reporting a late payment on my prepaid account despite multiple disputes. This account was fully paid with no outstanding balance, yet a fee was added without notice. The late payment is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
ACCOUNTS :XX/XX/XXXXXXXX - XX/XX/XXXX - {$1400.00}XX/XX/XXXXXXXX - XX/XX/XXXX - {$2200.00}XX/XX/XXXX XXXX - XX/XX/XXXX - {$1800.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 2025-03-07 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: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account 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 non-monetary relief
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
Dear CFPB Dispute Department, This letter is to formally dispute inaccurate information appearing on my credit report. and a request to removal of the account with the inaccurate reported information Specifically, I am disputing the following : Duplicative Reporting of Charge-Off : Account Number XXXX with XXXX XXXX XXXX XXXX is showing a charge-off status every month, and stating that the account is open on all reporting forums ( XXXX, Equifax, and XXXX XXXX. I have submitted disputes with all other credit reporters. This is creating duplicate entries and unfairly impacting my credit score. A charge-off should be reported once, not monthly. I request that you remove all duplicate entries and ensure that only the original charge-off date is reflected, and overall request the account be deleted from the report as it is reporting inaccurate information. 

I am requesting that you investigate these items pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) : This section outlines permissible purposes for furnishing and using consumer reports, ensuring that the information is used fairly and accurately. The repetitive reporting of the charge-off creates an inaccurate reflection of my credit history and violates this provision.

Section 623 ( a ) : This section grants me the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by requesting an investigation of the duplicate charge-off entries.

Section 611 ( b ) : This section mandates that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. The redundant entries demonstrate a lack of reasonable procedure and I request that you correct this error.

Please conduct a thorough investigation of these disputed items and provide me with the results in writing within 30 days, as required by the FCRA. I am enclosing copies of previous credit reports showing the duplicate entries to support my claim. 

I also request that you provide me with the name, address, and telephone number of the furnisher of the disputed information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CT

Complaint narrative:
In the past 5 months i have sent all 3 credit bureaus my license and other identification to proof my correct address. it should be the only address on my credit report. I continue to view my credit reports with the incorrect addresses with no luck of the bureaus removing them. Can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In the past 5 months i have sent all 3 credit bureaus my license and other identification to proof my correct address. it should be the only address on my credit report. I continue to view my credit reports with the incorrect addresses with no luck of the bureaus removing them. Can someone 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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX for their refusal to remove a fully paid collection account from my credit report, despite my efforts to resolve this issue. The continued reporting of this paid account is unfair, unnecessary, and damaging to my credit profile. 

Details of the Account in Question Collection Agency : XXXX XXXX Original Creditor : XXXX Insurance Amount : {$77.00} XXXX XXXX XXXX : XXXX XXXX Dispute Dates : XX/XX/year>, and XX/XX/year> Steps Taken to Resolve This Matter Contacted XXXX XXXX I requested a pay-for-delete agreement, as I was willing to pay the full amount in exchange for account deletion. The agency refused to comply with my request, even though the debt was of a minimal amount. 
Contacted XXXX XXXX I reached out to XXXX XXXX, the original creditor, to confirm the validity of the debt and seek assistance in having the negative report removed. 
Filed Disputes with XXXX ( Dates : XX/XX/year> & XX/XX/year> ) I submitted formal disputes requesting the removal of this paid collection account, yet the negative mark remains on my credit report. 
Legal Violations & Unfair Practices Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute and request the removal of outdated, inaccurate, or unverifiable information on my credit report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ( 8 ) ) prohibits debt collectors from engaging in unfair, deceptive, or misleading practices, including failing to update and report accurate consumer credit information. 

This debt of only {$77.00} was paid in full, and it serves no legitimate business purpose to continue reporting it as a collection account. Many creditors and collection agencies routinely remove small-dollar paid collections in accordance with best practices. XXXX XXXX ' refusal to do so is an unreasonable and harmful practice. 

Requested Resolution I respectfully request the CFPB investigate this matter and direct XXXX XXXX to remove this paid collection account from my credit report. Their refusal to delete an account that has been resolved in good faith is unjustified and negatively impacts my financial standing. 

I appreciate your prompt attention to this complaint. Please contact me at XXXX or XXXX, if additional information is needed. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Dispute Department, I am writing to formally dispute inaccuracies in my consumer report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following accounts contain errors, and I request a thorough investigation to correct or remove any inaccurate information.

1. CHILD SUPPORT ENFORCEMENT Account # : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Disputed Items : Account Status : Reported as " Closed '' but reflects " Collection/Charge-Off. '' Balance Owed : The reported balance of {$12000.00} is inaccurate. 
Remarks : Incorrectly states " SERIOUSLY PAST DUE DATE/ASSIGNED TO ATTORNEY/COLLECTION AGENCY. '' XXXX. XXXX XXXX XXXX Account # : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Disputed Items : Account Status : Reported as both " Closed '' and " Open '' inconsistently. 
Payment Status : Incorrectly listed as " Foreclosure/Repossession. '' Remarks : Reports " Consumer Disputes - Reinvestigation in Progress, '' but I have not received resolution.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), consumer reporting agencies are legally required to maintain accurate records. Furthermore, XXXX XXXX XXXX ( 2016 ) highlights the obligation to verify information before reporting. I request that you verify these accounts with the original creditors and correct or remove any inaccurate information. 

Please provide a written response to my dispute at the address listed above. If these accounts can not be verified, they should be deleted immediately as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe mandated by the Fair Credit Reporting Act. Attached XXXX form of Identification State ID Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Entries To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed below that appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of these erroneous entries. 

Disputed Accounts : Account : CHILD SUPPORT ENFORCEMENT Account # : XXXX Reported Balance : {$12000.00} Account Status : Closed Discrepancy : [ Briefly state why this is inaccurate ] Account : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$6700.00} Account Status : [ Closed/Open ] Discrepancy : [ Briefly state why this is inaccurate ] Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. Additionally, per 15 U.S.C. 1681b ( a ) ( 2 ), I have not authorized the sharing of my private records, constituting a violation of my rights. 

Failure to remove these inaccuracies will leave me no choice but to pursue legal remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow for statutory damages, punitive damages, and attorney fees for willful or negligent violations of the FCRA.

Please consider this letter as my formal request for deletion of the disputed accounts from my file. If these accounts are verified, I request the documentation used for verification under XXXX5 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Otherwise, I expect a correction within the legally required 30-day period. 

I look forward to receiving written confirmation of the deletions or a detailed explanation of the verification process at the address listed above. Thank you for your prompt attention to this matter. Attach XXXX forms of my identification ID, XXXX, BANKstatment Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation