vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt 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 2025-01-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt 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 2025-01-31 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 request your assistance regarding an issue I have encountered with Experian and its handling of my credit dispute. On XX/XX/year> I submitted a dispute with Experian regarding inaccurate or questionable information on my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian responded to my dispute and stated that the creditors confirmed the accuracy of the information reported. However, they provided no substantial proof or documentation to validate their claims. I believe this conclusion was reached without a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. Without adequate evidence from the furnishers of the disputed accounts, I am concerned that Experian has not fulfilled its legal obligation to ensure the accuracy of the information. 

I am requesting the CFPBs intervention to : Review Experians investigation process in this matter. 
Ensure that Experian provides proper documentation or removes the disputed items from my credit report. 
I have attached the following documents to support my complaint : A screenshot of Experians response to my dispute. 
A copy of my credit report highlighting the disputed accounts. 
Any other correspondence between myself and Experian. 
Thank you for your time and attention to this matter. I look forward to your response and assistance in ensuring that my credit report is accurate and compliant with federal law. 

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. 

As a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. 

The following accounts are being disputed : 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 XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. 

Please ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. 

Please notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
Hard inquiries that I do not recognize and that were unauthorized

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 2025-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
In XXXX of XXXX, I was contacted by a person stating they were from a debt collection agency and they stated that I owed on a payday loan from Check into Cash dating back to XXXX of XXXX. I informed the person that I never took out any payday loans during this time because I lived in XXXX and XXXX where payday loans are illegal in both states. I thought this was settled until I received a call on XX/XX/XXXX from someone stating to be a paralegal and that there was a missed attempt to deliver legal documents to me. The number that contacted me is XXXX and they referenced an account number of XXXX. I spoke with a " XXXX  '' by the name of XXXX stating that legal documents have been filed with XXXX XXXX 's civil district regarding this payday loan from Check Into Cash. I informed them that I'm not familiar with this loan and that I couldn't have possibly taking this loan out. I was informed that unless I agreed to pay a total of $ XXXX and sign a document, this case would go to court. I informed XXXX that I needed XXXX hours to review the verification of debt document that I requested be emailed to me. As of today, I have not received said document. I then performed a XXXX search for Check Into Cash scams and found on the company 's website that there was a fraud department to verify accounts. I contacted the department and XXXX reps confirmed that I do not have an account in their system. 
I then called the number back and was directed to a man 's voicemail from XXXX & XXXX XXXX XXXX which doesn't even have a working website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Dispute of Late Payment Reporting Violation of 15 USC 1666b Dear Sir/Madam, I am writing to formally dispute the late payment reports on my credit report associated with my mortgage account under your servicing. It has come to my attention that these late payments are inaccurately reported, and I believe they were incorrectly processed due to non-compliance with applicable laws, specifically 15 U.S.C. 1666b ( a ) and 1637 ( b ).

Under 15 U.S.C. 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement, which includes the disclosures required under 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. After reviewing my records and correspondence with your company, I have found that XXXX XXXX XXXXXXXX has failed to provide the required periodic statements with the necessary disclosures in a timely manner. 
I have previously requested proof from XXXX XXXX XXXXXXXX that the statements, including the necessary disclosures, were mailed or delivered at least 21 days before the due dates of my payments. This request was made in good faith under XXXX XXXX, but no proof has been provided to date. Without these disclosures being sent in compliance with the law, any reports of late payments are, in my view, both unfair and unlawful. 
Specifically, I have always made my mortgage payments on time and have never missed or been late with payments for the following months 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 request that you immediately correct the inaccurate reporting on my credit report by removing any late payments associated with these months. Given that XXXX XXXX XXXXXXXX did not comply with the legal requirements for timely delivery of periodic statements and disclosures, I am requesting that these late payments be deleted from my consumer report to resolve this issue. 
If the information is not corrected or I do not receive a satisfactory response within the statutory timeframes, I will consider further actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. Please provide a written confirmation once the necessary corrections have been made. 

Sincerely, XXXX 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 2025-01-31 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: MD

Complaint narrative:
Experian does not properly investigate disputes for the following accounts... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-31 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: MO

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 2025-01-31 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: MO

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 2025-01-31 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: GA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed multiple lawsuits against TransUnion for violating previous agreement with CFPB, failed to ensure accuracy for tenants, and failure to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as TransUnions 's inaction violates federal law and my rights as a consumer.

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 2025-01-31 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: SC

Complaint narrative:
I contacted Experian.com in regards to XXXX XXXX showing on my report. This account should never have been reported to the credit bureaus in the first place as this account was paid in full prior to being reported as a collection account. This account was paid in full on XX/XX/year>. I notified XXXX XXXX  XXXX and was confirmed that this account would be removed from all bureaus back in summer of 2023. As per 15 US Code 1692 ( g ) and ( c ) this account must be removed, since this complaint was not properly investigated each time I submitted a dispute.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Money was transferred from my bank account to my XXXX XXXX on XX/XX/2025, to purchase XXXX. I reported the incident to Chime Bank on XX/XX/XXXX and disputed the amount {$1700.00}. Chime closed out the transaction and denied claim. I advised them I had made a police report and wouldn't be able to pick up police until XX/XX/2025. Adv Chime of case number, officer name who took the report, and prescient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
This is my XXXX request for the creditors to remove these accounts from my Experian credit report. I have also asked the creditor to provide proof these accounts belong to me. However the creditors have still not provided proof that these accounts belong to me, but the creditors are staying the accounts are verified without providing me with any proof. 

see attached

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 2025-01-31 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-31 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: MD

Complaint narrative:
This is my XXXX request to have these accounts and inquiries removed from my EQUIFAX credit report. I have also asked the creditors to provide proof that these accounts and inquires belong to me. The creditors have not provided any proof that these accounts and inquiries belong to me. However the creditors are still stating the accounts and inquiries are verifiable and refuse to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LA

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 2025-01-31 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I have provided to ensure that I wont have to worry about this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I filed a previous complaint against Barclays for fraudulent charges on my card. It was brought to their executive team and nothing happened - XXXX updates and they continue to charge me every month.

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 2025-01-31 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have unauthorized inquires on my XXXX credit report on XX/XX/year>! I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.

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