vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting the same debt by 2 different agencies to my account I disputed them because they can not legally report the same debt twice and they refused to remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$870.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$560.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$21000.00} Account No XXXX XXXX  Balance : {$26000.00} Account No XXXXXXXX XXXX XXXX Balance : {$480.00} Account No XXXX XXXX  Balance : {$1200.00} Account No XXXX XXXX XXXX Balance : XXXX Account No XXXX XXXX XXXX Balance : XXXX Account No XXXX XXXX XXXX  Balance : {$1000.00} Account No XXXX XXXX XXXX XXXX Balance : {$34000.00} Account No XXXX XXXX  Balance : {$750.00} Account No XXXX Inquiries : XXXX XXXX Date XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. As you are aware, XXXX  experienced a significant data breach in 2017, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. I am also aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-16 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:
Upon reviewing my credit report, I discovered multiple inaccuracies, including unauthorized credit accounts and a loan, all of which appear to be fraudulent. I formally request the immediate removal of these accounts from my credit report, as their presence is unjustly impacting my ability to obtain credit and manage my financial affairs. I urge you to investigate this matter promptly and take corrective action to prevent further harm.

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/year>, I noticed a derogatory account from XXXX XXXX on my credit report. I contacted XXXX directly and was informed that they have no record of this debt. They advised me to dispute it with the credit bureaus. 

I filed a formal dispute with XXXX, but they rejected my request and allowed the account to remain. This same phantom debt has resurfaced on my credit reports multiple times over the past several years. It is not valid, and I have never received a legitimate bill or account verification from XXXX. 

In addition to the reporting issue, I have been harassed by third-party debt collectors trying to collect on this unverified debt. I have requested validation from the collectors but received no proof that this debt is legitimate.

I am requesting the CFPBs help in having this account permanently removed from my credit report and in stopping further harassment from debt collectors regarding this invalid and unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CL Holdings LLC
State: WV

Complaint narrative:
I believe someone used my personal information with out my knowledge. Cause I never bought anything from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
There is a hard inquiry on my credit report that I did not authorize and had absolutely no knowledge of. This is a clear case of identity theft and fraudulent use of my personal information. 

Let me be completely clear I did not apply for credit, I did not give permission for this inquiry, and I had no involvement with the company that pulled it. The presence of this inquiry on my report is not only unacceptable, it's a direct violation of my rights under 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: RI

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 2025-05-16 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Hi, my experience with identity fraud has led me to a lot of troubling situations. Im the victim of someone who stole my identity. Please help me get to this person and please help me remove these things from my account. Everything you need will be attached in the supporting documents below. Please see attached proof of identity theft.

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally dispute the handling of my recent case involving a transfer I made on XX/XX/XXXX to a closed bank account. Despite the account being closed, the funds were never successfully deposited and, according to multiple confirmations from my bank, they were returned to XXXX. 



I have taken the following steps to resolve this : Provided official bank statements clearly showing that the funds were never received. 
Spoke with my bank on multiple occasions, and they confirmed the funds were sent back to XXXX. 
Used the trace number provided by XXXX  to track the transaction with my bank, further verifying the return of funds. 
Submitted all documentation and proof during the dispute process. 




Despite all this, my case was denied without any clear reasoning or proof from XXXX  to support the denial. I respectfully request a full review of this case and a detailed explanation of the denial decision. It has now been over a month since the original transfer, and I am still without the returned funds or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
This is a follow-up to my original complaint ( CFPB Case # XXXX ) filed on XX/XX/year>, against Blackhawk Network regarding a {$500.00} XXXX gift card that was fraudulently used and later credited. That process was already mishandledthey initially approved the case, then denied it, and eventually reapproved it after I escalated the issue. Unfortunately, Im now facing additional delays and problems. 

It has been over a month, and I still have not received the refund check. 

I contacted XXXX XXXX, and they confirmed that XXXX and XXXX are interchangeable for delivery at my address. XXXX is preferred and accurate, so there is no excuse for delivery issues. 

When I called Blackhawk customer service today, I was told the check was issued in XXXX dollars. This is completely unacceptable. The dispute was settled in XXXX dollars, and Ive made it clear multiple times that the replacement must also be in XXXX dollars. I have attached screenshots showing that the promised refund amount is {$500.00} XXXX XXXX. 

In addition, two other dispute XXXX and XXXX unresolved. I have received no updates, status, or timeline from Blackhawk on these matters.

Please note that this is not a duplicate complaint. It is a continuation of ongoing mishandling and failure by Blackhawk Network to follow through on their own written commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the charge-off status of a auto loan account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] with XXXX XXXX XXXX XXXX This account was reported as a charge-off on. 

I am disputing this charge-off due to the following inaccuracies and issues : Incorrect Address for Delivery from Plaintiff : I have reason to believe that any communication or legal notices related to this account and the charge-off were sent to an incorrect address by XXXX XXXX XXXX XXXX  Roosen, Varchetti & Oliver, PLLC XXXX XXXX This incorrect address is. I resided at XXXX XXXX XXXX XXXX XXXX, MI XXXX, during the relevant period, and the misdirected communication has hindered my ability to address this matter appropriately and in a timely manner. 

Lack of 1099-C Documentation : Despite the charge-off of this debt, I have not received the required IRS Form 1099-C, Cancellation of Debt, from Ally Financial Auto and Roosen, Varchetti & Oliver, PLLC. This document is crucial for tax purposes following a debt cancellation, and its absence suggests a potential issue with the charge-off process or reporting.

I request that the CFPB investigate these discrepancies. The incorrect address used by Ally Financial Auto and Roosen, Varchetti & Oliver, PLLC indicates a potential failure in their communication procedures, and the lack of a 1099-C form raises concerns about the proper handling and reporting of this charged-off account.

I am requesting the CFPB to intervene to ensure that Ally Financial Auto reviews their records regarding the address used for communication on this account and provides the necessary 1099-C documentation. If the charge-off was based on inaccurate information or improper procedures, I request that XXXX XXXX XXXX correct their records and notify the credit reporting agencies to remove this negative item from my credit report. 

To support my complaint, I have enclosed copies of the following documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Thank you for your time and assistance in resolving this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation