vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MN

Complaint narrative:
I discovered a delinquent account on my credit report that I believe is inaccurate. I promptly disputed this error with the creditor, providing documentation to support my claim ( e.g., proof of payment, account closure confirmation, or evidence of identity theft ). Despite my efforts to resolve this, it has not corrected the error, and the delinquency remains on my report. This inaccuracy has negatively impacted my creditworthiness and ability to secure financial opportunities.

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 2025-03-18 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: TN

Complaint narrative:
I ASKED THEM TO REMOVE THEM FROM MY CREDIT REPORT BUT THEY DIDN'T SO THAT IS WHY I AM HERE FOR YOUR HELP

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 2025-03-18 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: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
A fair resolution would be for Credit Corp solutions to correct or remove their report on my credit score! XXXX XXXX  account was paid in full. I have documented that with the receipt paid to resurgent. And when do you call them? They should not deceive you into paying a dollar to To correct their error and then sign you up for a Credit Repair service or credit score service that you did never agreed to I have included in my documents uploaded proof they were trying to sign me up for {$24.00} charge. I never agreed to. 

Regarding XXXX XXXX XXXX, I paid the amount due. And requested an email of account paid in full they refused. I paid the account in full yesterday and they have not updated my account online. It still shows {$620.00} due. I am giving it XXXX hours to show correct amount of XXXX. 

I have called them multiple times requesting an email copy of Account paid in full, my credit repair person says that the receipts of payment are not enough confirmation to have that removed from my credit score. It is a simple request. It is an accurate request to have an emailed, confirmation of paid in full and for their website when I login to reflect that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 am filing this formal complaint against Equifax Information Services LLC for their intentional delay tactics and failure to conduct a proper investigation of my disputes as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

Despite already submitting all the necessary identification documents multiple times with each dispute letter, Equifax continues to send me letters claiming they can not locate my file, requesting the same documents repeatedly. This is a clear stalling tactic designed to prevent me from exercising my rights under the FCRA.

Violations Committed by Equifax : Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) The FCRA mandates that credit bureaus must investigate disputes within 30 days. Instead of investigating, Equifax is sending repetitive document requests despite already having my full identification.

Intentional Delays and Obstruction 15 U.S.C. 1681s-2 ( b ) Furnishers and credit bureaus must correct or delete inaccurate information after a dispute. By failing to acknowledge my dispute properly and requesting redundant documents, Equifax is violating this requirement.

Unfair and Deceptive Practices 12 U.S.C. 5531 & 5536 ( Consumer Financial Protection Act ) Equifax is engaging in deceptive business practices by falsely claiming they can not locate my file despite having all required documents. This is an attempt to discourage and exhaust consumers from disputing inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AR

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 2025-03-18 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Me and my brother credit information has been intertwined to the point where almost all past due balance, loans, and debt collection reports ( which should only appear separately on each of our accounts ) are now seen on both of our credit reports. It might have to do with the fact that both of our social security numbers are seemingly identical ( only the last few digits are different ) and at which one point either of us used one anothers numbers to pull out loans or other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
Me and my brother credit information has been intertwined to the point where almost all past due balance, loans, and debt collection reports ( which should only appear separately on each of our accounts ) are now seen on both of our credit reports. It might have to do with the fact that both of our social security numbers are seemingly identical ( only the last few digits are different ) and at which one point either of us used one anothers numbers to pull out loans or other credit.

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 2025-03-18 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 silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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 silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
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 I finally was able to get XXXX and this company continues to verbally abuse me and threaten me ( Wakefield and Associates ) these medical bills were taken care of through government assistance and XXXX XXXX This company XXXX Wakefield and associates ) has broken every civil laws, business practices, and my governmental rights possible!!! And continues to put false information on my credit report time and time again they continue to harass me, and lies after lies!!! Please tell them to stop putting false information on my account and credit reports!!! Please and Thank you for your help, understanding, and time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX regarding their refusal to remove inaccurate late payment information from my credit report despite clear evidence that these late payments resulted from bank fraud beyond my control. 

Complaint Details : Lender : XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Issue : Seven ( XXXX ) XXXX late payment marks inaccurately reported XXXX and XXXX late payments Summary of the Issue : On XX/XX/XXXX and in XX/XX/XXXX my bank account was compromised due to fraudulent activity, which caused disruptions in my automatic payments to XXXX XXXX I immediately took steps to resolve the issue by working with my bank to dispute the unauthorized transactions and restore my financial standing. However, during this process, some payments to XXXX XXXX were delayed. 

Despite multiple goodwill requests and appeals, XXXX XXXX has refused to remove these late payment marks from my credit report. Their refusal to acknowledge extenuating circumstances has caused severe damage to my credit score, negatively impacting my ability to secure loans and financial opportunities. 

Resolution Sought : I respectfully request the CFPBs assistance in ensuring that XXXX XXXX : XXXX. Conducts a fair and thorough investigation of my case. 
XXXX. Removes or updates the inaccurate late payment information from my credit report. 
XXXX. Provides a detailed explanation of their decision in light of the fraud evidence submitted. 

Additional Information : I have also contacted the credit reporting agencies ( Experian, XXXX, XXXX, and XXXX ) to dispute these inaccurate late payments. However, they have advised me that XXXX XXXX, as the data furnisher, must approve the removal or correction. 

This situation has caused me undue hardship, and I believe it is unfair for XXXX XXXX to penalize me for circumstances beyond my control. I appreciate your time and assistance in resolving this matter. Please let me know if any additional information or documentation is needed.

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 2025-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had purchased a XXXX  from XXXX on XXXX after registering the product I found that it was actually XXXX XXXX XXXX than advertised, I sent the item back, I took a while so I contacted Capital One, they started an investigation, my money was credited back and a week later I was charged again. I reached out to XXXX they have since completed the refund, yet Capital One is still holding the XXXX I've sent documentation with no avail they still haven't returned the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: PA

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 2025-03-18 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: NY

Complaint narrative:
I am formally disputing inaccurate information on my credit file regarding my XXXX XXXX XXXX account. The credit limit, date opened, and account type are incorrectly reported across my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and verifiable reporting. Specifically : 1681i ( a ) ( 5 ) ( A ) requires the removal of inaccurate, incomplete, or unverifiable information.

1681s-2 ( b ) mandates that furnishers properly investigate and correct errors.

1681e ( b ) ensures credit bureaus maintain maximum possible accuracy in consumer reports. 
I have previously attempted to resolve this matter directly with XXXX XXXXXXXX XXXX  but have not received a satisfactory resolution. This inaccurate reporting is a direct violation of my consumer rights and negatively impacts my financial standing. If the information can not be verified as accurate, it must be removed as required by law. 

Please complete this correction within the XXXX timeframe specified under the FCRA and provide written confirmation once the issue is resolved. I have attached supporting documentation to assist in your investigation

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