vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-01 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, 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 2025-04-01 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: LA

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 2025-04-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I paid Capitol One ( Quick Silver Card ) of with a consolidation loan I took in XXXX of XXXX. I paid off the balance {$3000.00} Apparently there was some interest charged that carried over to the next month. I did not realize that the interest accrued or that I needed to make a payment. When I received my statement I made the interest payment in XX/XX/year> {$50.00}. Apparently a late fee was charged. I did not realize this no statement no call. Over the course of months. I received a call in XXXX to make a payment of XXXX. I was surprised! I made a promise to pay and paid the fees for {$250.00}. I over paid by XXXX dollars out of paranoia. They were miss reporting my credit report saying I was 150 days late. I disputed it. I paid it ( provided evidence ) and they changed it to a charge off for XXXX and XXXX. How can you charge something off when I have a credit? I disputed and said I did not have a charge off ( I paid them directly not a collection agency and they moved the dates to XXXX and XXXX for Charge Off. This is all because of a late fee! I paid them on time for over a decade. Even paid off my balance, extremely upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), you are required to maintain accurate credit reporting and to reinvestigate disputed information in a timely manner. 

The following accounts and details contain errors that must be corrected immediately : XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$3400.00} XXXX  XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX  XXXX {$490.00} XXXXXXXX XXXX XXXXXXXX XXXX {$430.00} According to 15 U.S.C . 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The presence of these inaccuracies indicates a failure to adhere to this statutory requirement. Additionally, under 15 U.S.C. 1681i ( a ), you are obligated to conduct a reasonable reinvestigation of any disputed information.

I formally request that you investigate these matters and correct the inaccuracies immediately. If the disputed items can not be verified within the legally mandated timeframe, they must be removed from my credit file per FCRA guidelines. 

Please provide a written response detailing the actions taken regarding my dispute within 30 days, as required by law. If you fail to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action.

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 2025-04-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : ( XXXX  XXXX : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-04-01 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates call me and send emails, mail, and texts. Between all the contacts it's up to XXXX times per week using different numbers. They refuse to stop reporting old debts to the credit bureaus despite debts being XXXX years past the statutes of limitations. I request they stop contacting me and reporting me, but they redirect me to there phone line where again they made attempts to. collect and dismiss my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I dispute the validity of this debt in its entirety and request strict proof of all claims. Under the above-cited laws, you are legally obligated to cease collection activity and furnish the following within 30 days of receipt of this letter : 1. Complete accounting and itemization of the alleged debt, including dates, charges, and how the total balance was calculated.

2. A signed contract or agreement bearing my signature that lawfully binds me to this debt.

3. Proof of your legal right to collect this debt, including a copy of the assignment agreement or purchase contract between your agency and the original creditor.

4. A full chain of title showing ownership and assignment of the debt from the original creditor to the present collector.

5. Name and address of the original creditor, along with full details of the account history.

6. A copy of the notice of debt that was allegedly sent to me as required by law.

7. A copy of your surety bond and license to collect debt in my state.

Further, if you are reporting this alleged debt to any credit reporting agency, you are required to mark it as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and must cease reporting altogether if you can not validate the debt.

If you fail to provide full validation as demanded, or if you continue to report or attempt to collect on an unvalidated debt, you will be in willful violation of federal law, including but not limited to : - 15 U.S.C. 1692e False or misleading representations- 15 U.S.C. 1692f Unfair practices- 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation - 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information Be advised : any further collection attempts without full validation will be considered a knowing and intentional violation of my consumer rights. I am prepared to take civil action to enforce these rights, including pursuing statutory damages, attorney fees, and injunctive relief.

This is not a refusal to pay but a demand for verification as allowed under the FDCPA and FCRA. Until you comply, any attempt to contact me by phone or mail, or to report this debt to any credit bureau, will be considered harassment and a further violation of my rights.

Governing Laws : FDCPA 15 U.S.C. 1692 et seq.

FCRA 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-01 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: CA

Complaint narrative:
I am filing this dispute against for failing to comply with the fair credit reporting act in response to my recent regarding inaccuracies in my credit report. Ive submitted a dispute over 35 days ago concerning several discrepancies on the accounts listed below and Experian has yet to correct and remove these accounts. I believe experience has violated multiple FCRA provisions included the duty to investigate, correct inaccuracies and communicate the results of their investigation in a timely manner. 
XXXX XXXX XXXX XXXX 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 2025-04-01 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: MA

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 2025-04-01 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: MI

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 2025-04-01 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$13000.00} XXXX  - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} XXXX - XXXX XXXX XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$300.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$420.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$60.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$58.00} XXXX  - XXXX - XX/XX/XXXX - {$540.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple data breaches and a cybersecurity attack that have resulted in unauthorized inquiries and accounts appearing on my credit report. Specifically, I was affected by data breaches involving XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( " XXXX '' ) cybersecurity attack that has compromised my personal information. 

Due to these breaches, my credit report contains unauthorized and erroneous inquiries, accounts, and potentially fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, and I request the immediate removal of all inaccurate and unverified information.

Given the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against XXXX ( CFPB XXXX XXXX, XXXX XXXX, XXXX ), which alleges that XXXX routinely conducts sham investigations and fails to properly address consumer disputes, I am concerned that my disputes will not be adequately investigated. The CFPBs findings indicate that XXXX : Uses flawed intake procedures that result in incomplete or inaccurate dispute processing. 

Fails to convey all relevant information to data furnishers, thereby obstructing fair investigations. 

Improperly reinserts previously removed inaccurate information without proper verification. 

Does not adequately inform consumers of investigation results. 

Given these systemic failures and the severity of the data breaches, I demand that the CFPB : Investigate Experians handling of consumer disputes, including my own. 

Ensure that XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and any involved financial institutions take immediate corrective actions regarding my credit report. 

Require the removal of all unauthorized inquiries, accounts, and any fraudulent activity associated with the breaches. 

Hold XXXX and other responsible entities accountable for any violations of the FCRA. 

Attached is a copy of my credit report. Below are unauthorized inquiries and accounts. Please delete these from my report. 

XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IA

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 2025-04-01 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: IA

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 2025-04-01 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief