vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-02 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30  days. If any item can not be 100  % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Experian, XXXX, and XXXX by reporting these inaccurate accounts and inquiries you are knowingly and willyfully committing identity fraud. I XXXX XXXX being the only person with first hand knowledge did not validate or verify any transaction on my credit report. You Experian, XXXX, and XXXX have violated my rights to privacy as a federally protected consumer and caused much damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Experian, XXXX, and XXXX by reporting these inaccurate accounts and inquiries you are knowingly and willyfully committing identity fraud. I XXXX XXXX being the only person with first hand knowledge did not validate or verify any transaction on my credit report. You Experian, XXXX, and XXXX have violated my rights to privacy as a federally protected consumer and caused much damage.

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 2025-04-02 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Raymour and Flanigan had a breach and my information was used without my permission, someone open a credit card in my name and it is not mine! I tried to do a Dispute with XXXX they said that I had to make this report and mail it to them as proof that the Raymour and Flanigan card does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Equifax block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request. 
The fraudulent accounts and inquiries include : 1. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
I expect Equifax to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 2025-04-02 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX XXXX I tried logging on to my navy federal account because I need to buy something and I was checking my balance, I was not able to log on and so I called and I was told to go into the branch with my drivers license and social security card which I did. I was asked to fill a form 97ci and was then told it takes up to XXXX business days to resolve the issue. After XXXX  days I called and was told it will take XXXX business days after that I went to the branch and I was told i need to wait XXXX more days. I went back on the XXXX I was told the investigation will done at the close of business day and I will get a call. I waited no call came so I went in there on the XXXX of XXXX only to be told that the started their investigation on the XXXX of XXXX and that I need to wait another XXXX to XXXX  days. I can't wait any longer because I have a very limited income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Resurgent Capital Services L.P.
State: AZ

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 2025-04-02 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: AZ

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 2025-04-02 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: AZ

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
These 4 accounts for EDFinancial were all XXXX days overdue and marked delinquent which is the first in my lifetime and credit history. My parents had gratefully taken on my loans and were paying them but were not aware of this one, and neither way I. I accept that responsibility. Though, my issue is that EdFinancial had a my old dormant email on the account, which I dont use. I havent been in XXXX for XXXX years which is what these loans relate to. On XX/XX/year> I checked my credit and they had finally marked the XXXX accounts XXXX  days late and delinquent, which plummeted my credit score. They had chosen to NOT reach out to either my XXXX phone numbers on the account ( myself and my mothers ), nor had they decided to send any notice in the mail to my home address on file. This, to me, is extremely bad business and lender behavior as they chose to not use other options to contact and allow my account to continuously run late and delinquent, seemingly to build up more late chargers for their profits. I immediately paid {$2000.00} ( XX/XX/year> ) which exceeded the ~ {$1800.00} overdue and then reached out to them and they offered no support or help on this to resolve or get a letter of goodwill. I explained the situation and they had no empathy. I have also faxed the attached letter to them ( XX/XX/year> ) and was planning on mailing a hard copy today on XX/XX/year>. I also sent out and email asking for guidance and assistance on this on XX/XX/year>. I have yet to hear back from them. Here are the sources I have contacted at EDFinancial. Fax : XXXX Fax : XXXX email : XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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, 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 2025-04-02 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 request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recently received a letter from Discover stating that my credit card had been shipped to my home address. However, two weeks passed, and I did not receive the card. After contacting customer support, I was informed that due to a mailing error, the card was returned to Discover. As a result, your security department decided to close my account without any prior notification. 

I find this decision extremely unfair, as I was never given an opportunity to resolve the issue before my account was closed. I kindly request a thorough review of my case and an explanation of why I was not informed beforehand. Additionally, I would like to know if there is a way to reopen my account or issue a new card. 

Please address this matter as soon as possible, as it has caused significant inconvenience. I appreciate your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I called Capital one bank to file a dispute for electronic payment sent through their bill pay system to XXXX XXXX XXXX XXXX, as I had received notice from Neighbors that my car payment was late. I had paid this way for 3 years. After reviewing my Capital one account, it showed 2 payments sent to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Neighbors confirmed they did not have the funds. The date that I filed the dispute, the representative had filed using the incorrect checking account number- I have 2 accounts with them. I called them to advise that it was the incorrect account. The representative spoke over me, told me it was in fact filed on the correct account and that I should be hearing something back in 2-3 business days. Today XX/XX/XXXX I received an email from Capital one, stating that my dispute had been cancelled and I should receive a new claim number due to corrections made. I called Capital one escalation team, they could not find the claim. I spoke to a manager on the phone who stated that since these funds were sent electronically, they could not offer me anything except proof of funds sent. They were not responsible to refund my 2 car payments of {$640.00} each, or the late payment. My credit has been effected, I had to borrower the funds to make my car payments current, I owe the money to my employer and Capital one bank is stating they can not refund these payments. I called XXXX XXXX XXXX XXXX, the representative stated since it was funds sent from Capital One, they could not find, there is nothing that they could do. I can not pay my employer back, I do not have enough funds to do this on my own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 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 non-monetary relief
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 

Tracking XXXX XXXXXXXX for payment made on XX/XX/XXXX. 

As long as this account has been open there has not been a late payment, please reverse this 1 time. Thank you

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 

Tracking XXXX XXXXXXXX for payment made on XX/XX/XXXX. 

As long as this account has been open there has not been a late payment, please reverse this 1 time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 

Tracking XXXX XXXXXXXX for payment made on XX/XX/XXXX. 

As long as this account has been open there has not been a late payment, please reverse this 1 time. Thank you

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