vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hello on XX/XX/XXXX I turned in my vehicle with GM Financial. In XXXX of XXXX, and XXXX of XXXX GM financial put a 30 day auto payment late on my credit knocking my score XXXX points. I have contacted them and have a {$530.00} balance apparently still in collections which I am willing to pay but need these 30 day auto lates removed or reported correctly. My lease payment was over {$1300.00} a month. This should not show as an auto late when the " note '' on this vehicle was completed in XXXX. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This account does not belong to me. I have submitted multiple disputes, and it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MA

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 2025-04-03 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-03 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
Experian is using incorrect information about account information and the date of checking for the information. My credit score has dropped due to this inaccurate information. Their dispute process will not allow me to dispute the inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Reported by XXXX XXXX Account XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed by XXXX XXXX and reported on my credit report. The account in question is listed as a collection account with a {$260.00} balance past due as of XX/XX/XXXX, and the status was last updated in XX/XX/XXXX. I request that you provide verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The following account details are being disputed : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Status : Collection Account ; {$260.00} past due as of XX/XX/XXXX Balance : {$260.00} Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : No recent payment recorded Original Balance : {$260.00} Highest Balance : {$260.00} Terms : 1 month On Record Until : XX/XX/XXXX I dispute this account for the following reasons : Inaccuracy of Information : I have no record of this debt being valid, and I do not believe the reported amount is accurate. I request full verification of the debt, including original account statements, payment history, and documentation showing that I owe this amount. 

Failure to Provide Documentation : As per the FCRA, I am entitled to request proof of the debt, including any contracts, statements, and any other information that substantiates this account being owed by me. Please provide all supporting documentation proving that this debt is legitimate. 
Dispute of Status : The reported collection status may be inaccurate. I request that you provide evidence to substantiate your reporting of the debt as a collection account. If no verification is provided within the required time frame, I request the removal of this account from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you fail to provide proper verification or documentation of the debt, I request that this account be removed from my credit report immediately. 

Additionally, please ensure that you cease reporting this account to the credit bureaus during the verification process, as required by the FCRA. 
Please send the requested information to the address listed above. I look forward to your prompt response. 
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 2025-04-03 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was called by " US Bank ''. The person asked me to verify my info by confirming a code they had sent to me. They told me in order to get the code I'd need to clock the link and tell them the code. I clicked the link and my account was hacked. I called the real US bank once I noticed what had happened. The Bank did nothing and told me to change my password and monitor my account. Within that time the people who hacked my account had added an external account to my account and Made a transaction. The credit card was closed days after this even though I had brought the matter to their attention. In my opinion they should have closed my card and issued me a new one when I told them I clicked the link and was hacked.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax Dispute Department, This letter serves as a formal demand to immediately remove the inaccurate bankruptcy information on my credit file. Despite a previous dispute, Equifax has continued to assert that the information is accurate, allegedly verified with the furnisher. This assertion is unfounded, as the bankruptcy in question is public record and sourced from XXXX. It is clear that XXXX has not communicated with Equifax to validate this data. 

The **Fair Credit Reporting Act ( FCRA ) ** mandates the removal of unverifiable information under **Section 605B** within four days of receiving this dispute. The persistence of inaccuracies on my credit file violates **15 U.S.C. 1681e ( b ) **, which requires maximum possible accuracy. 

I demand the following : 1. Immediate removal of the inaccurate bankruptcy record from my credit report.

2. Written confirmation of the removal within four days, as specified by the FCRA.

3. A full explanation of the steps Equifax took to verify the data and identify its source. 

Equifaxs failure to comply with these legal obligations will leave me with no choice but to pursue further action to ensure my rights are upheld. 

I trust you will address this matter with the urgency it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

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 2025-04-03 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: WI

Complaint narrative:
THESE COMPANYS IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS SO I MAY REVIEW TO SEE IF THIS ACUALLY A ACCOUNT THAT BELONGS TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX bankruptcy discharged 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 2025-04-03 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: WI

Complaint narrative:
THESE COMPANYS IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS SO I MAY REVIEW TO SEE IF THIS ACUALLY A ACCOUNT THAT BELONGS TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX bankruptcy discharged XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I made a {$12000.00} payment online to my USAA Amex. The payment cleared my XXXX XXXX  account and was posted to USAA. I started to get " over limit '' and " charges declined '' messages from vendors that I pay each month by card. Many of these are essential services, e.g. my health insurance premiums. 

Today XX/XX/XXXX, I contacted USAA card support via chat and asked them why they had not applied the {$12000.00} payment made XX/XX/XXXX. Why they were declining charges when I had {$11000.00} in available credit. 

They said they " applied '' the {$12000.00} to my balance but will not apply it to available credit until XX/XX/XXXX, A FULL WEEK. Their reason given was " because it was a large amount. '' But consumers can pay off in full or pay down their cards at any time. Meanwhile they are declining charges and the rep said " there is nothing they can do about it. '' I think this is both unethical and should be unlawful under the Truth in Lending Act ( TILA ). USAA is essentially holding my money in some black hole for a week without my consent, and probably charging me over limit fees. Not to mention the expenses I will incur from the many vendors being paid late. And/or the hassle of having to log in to a dozen vendors and pay with another card. 

I am furious.

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 2025-04-03 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 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 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company reported an old account from XXXX that was opened XXXX and moved the year up to XXXX opened. That is incorrect I did not open the account in XXXX it was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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.

Complaint narrative:
On XX/XX/year>, I discovered a {$340.00} collection account on my Experian credit report reported by XXXX XXXX XXXX. I never received any prior notice about this debt. I immediately contacted XXXX XXXX, but the representative was extremely rude and hung up on me without offering a resolution. I also emailed XXXX XXXX  XXXX, the original creditor, asking for clarification and how to pay. They refused to accept credit card payments and did not provide an alternative solution. I was never given a fair chance to resolve the debt before it was reported, and this has caused serious damage to my credit and daily life.

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 2025-04-03 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would e for all listed accounts to be blocked and deleted company informatio ansunion. Please delete the following accounts, XXXX XXXX Account # XXXX {$700.00} I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this accountXXXX XXXXXXXX, {$17000.00} ( collection/charge off XXXX XXXX, {$500.00} ( coll/charge off XXXX XXXXXXXX, {$64.00} ( collection XXXX XXXX XXXXXXXX, {$170.00} ( collection XXXX XXXX, {$23000.00} ( coll/chargeoff

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