vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. Calls multiple times a day, multiple days a week and from various phone numbers. I called yesterday and asked what company they were and why they were calling. They said they were calling for XXXX XXXX  XXXX who are my children and that they have an account with them. They wanted me to verify their birthdates which I refused to do. They never leave a message, just keep calling. I told them to remove my number from their list and if they called again, Id report them. The agent said do it! But were going to keep calling! 
Phone numbers they call from : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 XXXX ( 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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-19 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX Account XXXX : XXXX Inquiry XXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of 15 U.S.C. 1666b & 1681i Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate late payment information on my credit report regarding the following account : Creditor : XXXX XXXX XXXX Account Number : [ Last 4 Digits ] Reported Balance : {$17000.00} Credit Limit : {$17000.00} Late Payment Dates : XX/XX/year>, XX/XX/year> Upon reviewing my credit report, I noticed that my account has been marked as 60-89 days late, despite the fact that : 1. The creditor previously agreed not to report late payments but did so anyway. 

XXXX. My last payment was made on XX/XX/year>, and should not have resulted in a late payment status within the same month.

3. These late payments violate 15 U.S.C. 1666b, which mandates that payments must be credited promptly. If my payment was made on time, reporting it as late is an error.

4. Under 15 U.S.C. 1681i, credit bureaus must conduct a proper investigation into disputed information.

Resolution Requested : I demand that these late payments be permanently removed from my Experian, XXXX, and XXXX credit reports. 
Please conduct a reasonable investigation and provide written confirmation once this error has been corrected.

Under 15 U.S.C. 1681i, you have 30 days to investigate and correct this inaccurate reporting. Failure to do so will result in my seeking legal remedies for willful noncompliance under 15 U.S.C. 1681n.

Attached to this letter, you will find : A copy of my credit report highlighting the errors.

Screenshots of the incorrect reporting from my online credit monitoring service.

Any supporting documents verifying my claim.

Please respond to me in writing at the above address. Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/2018

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 2025-03-19 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: TX

Complaint narrative:
I recently found errors on my report that are unfairly damaging my scores and preventing me from securing financial opportunities. Its incredibly frustrating to deal with setbacks caused by mistakes that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 am a victim of identity theft ; I am disputing incorrect information that is currently being reported on my credit report. I have already tried to address this matter once and it was not fully resolved. Now I will be disputing again for a second time, since Transunion fails to conduct a proper investigation and follow FCRA laws.

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 2025-03-19 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:
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 2025-03-19 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: TX

Complaint narrative:
Experian keeps dropping my score saying I have late payments when I do not! 
Ive asked them to provide me with proof of an account that doesnt belong to me and they havent! 
XXXX account that I never opened and they have never sent proof that the account belongs to me nor have they ever sent a contract that I have signed as I requested I am demanding this account belongs removed from my credit report as well as late payments that they are claiming Ive made I dont have any payments but my car note and Im never late!

Experian is reporting wrong information which is affecting my credit score!

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 2025-03-19 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: FL

Complaint narrative:
I am filing this complaint against Experian for failing to remove multiple unauthorized hard inquiries from my credit report, despite my formal disputes and supporting documentation. On XX/XX/year>, I visited a car dealership to apply for auto financing. My credit was subsequently pulled multiple times by different financial institutions without my explicit authorization. 

Legal Violations and Basis for Immediate Removal Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), a hard inquiry is only permissible when the consumer has provided explicit authorization to the entity conducting the inquiry and the inquiry is conducted for a legitimate credit transaction in which the consumer is involved. In my case, I never provided individual authorization for these inquiries, nor did I establish any credit relationship with most of these lenders.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), any inaccurate, unverified, or unauthorized information must be removed immediately from a consumers credit report. Additionally, under FCRA 1681c-2, when a credit inquiry is related to fraud or was conducted without the consumers authorization, the credit bureau must remove it within 4 business days of receiving the request and the necessary documentation.

Despite submitting a formal dispute to Experian, requesting the removal of these inquiries, they have failed to take appropriate action within the legally required timeframe.

Supporting Documentation Provided to Experian I submitted a copy of my FTC Identity Theft Report ( # XXXX ), confirming that these inquiries were made without my consent, a copy of my credit report with the disputed inquiries highlighted, and a copy of my government-issued ID verifying my identity. 

Unauthorized Hard Inquiries to Be Removed Immediately The following unauthorized inquiries must be removed from my report within 4 business days, as required by 15 U.S.C. 1681c-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The only legitimate inquiry that should remain on my report is XXXX XXXX - XX/XX/year>.

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 2025-03-19 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: MA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Inaccurate Charge off XXXX XXXX AND CO - XXXX - {$330.00} Incorrect Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX XXXX Balance {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX XXXX Balance {$1000.00}

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 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
My account was closed for no reason at all and i asked Several time and was treated unfairly. I have Several emails and recorded conversations to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On Sunday XX/XX/XXXX I moved XXXX miles from my JPM Reserve card to XXXX XXXX for miles to get XXXX tickets. When the miles moved on XX/XX/XXXX, I found out that there were {$1900.00} + {$640.00} tax in " XXXX XXXX Surcharges '' that were not disclosed. I was disclosed a {$41.00} per ticket charge in addition to the miles when I moved the miles. 

XXXX XXXX said they do include fine print about taxes and fees being subject to change and they will not issue a refund. I called JPM Chase and they said that because XXXX XXXX is a business partner, they can sort this out. 

I called today XX/XX/XXXX and was told by JPM Chase that they can not transfer back points and it is final. So I have effectively lost XXXX points that I will not be able to use. 

I requested Chase to close my account due to my dissatisfaction in resolving the matter, but feel that I have fallen victim to misleading practices with relationship partners. I have been a cardholder with Chase for about 25 years, and this is their flagship card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I made a TDBank credit card balance payoff of {$960.00}. On XX/XX/XXXX, I noticed that the payment had not been credited, so I sent a second payment in that amount. Which should have brought my balance to zero. In XXXX, I checked my account and saw a credit of {$960.00}. I told them I would prefer a refund for that amount, by check. I received the refund and deposited it into my checking account at XXXX XXXX. XXXX XXXX I see a balance of XXXX. Thinking this was fraud I called the credit card desk to report the fraudulent charge, and was given a run around about why my balance is now {$1000.00}. Auto-payments on the card between XXXX and XXXX totaled about {$150.00}, which I did not dispute. On XX/XX/XXXX, I went to a TDBank branch only to find out there is no credit card help at the branches, only by phone. The manager was kind enough to call for me and I was then told that a payment reverse was received on XX/XX/XXXX because the transaction was from a non-TDb account. 
I have never had a problem paying on this account until now. Despite my making a double payment in XXXX, TDBank is claiming that I still owe them {$960.00}. This has impacted my credit rating by XXXX points, and as of today they have not resolved this issue. My bank XXXX XXXX has verified that {$960.00} was debited from my account on XX/XX/XXXX. There were no other transactions with TDBank, no request for reversal or any other transaction. As of today, TDBank despite notes that they are looking into this my account still reflects this incorrect amount and my credit score is still affected. I have proof of payment from my bank, but this has not seemed to make a difference to TDBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
Major data breach by DOGE of the depatment of education. My data was compromised awhich is a violation of FERPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
Read the attached documents where I express my concerns. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

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

Company 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 2025-03-19 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: KS

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 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 2025-03-19 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: IN

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