vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Incorrect information being reported on credit report that does not belong to me. 
Re : Dispute of Collection Account XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account listed on my credit report. Upon reviewing my credit report, I found a collection entry that I believe is either incorrect or has been reported in error. This collection account is causing harm to my credit score, and I am requesting that it be investigated and removed if found to be inaccurate. 
The collection account in question is as follows : XXXX ( XXXX XXXX XXXX XXXX XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. The FCRA ( Section 1681i ) requires credit reporting agencies to conduct a reasonable investigation into disputes and remove any inaccurate information. 
Additionally, I am requesting that you provide the following documentation to verify this debt : 1. The original account agreement or contract showing my responsibility for the debt.

2. Proof that the collection agency has the legal right to collect the debt on behalf of the original creditor.

3. Any supporting documents that show the debt is mine and has not been paid or settled.

4. A detailed accounting of the amount owed, including any interest or fees added. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute the validity of a debt and request verification. Therefore, I respectfully request that you contact the collection agency and ensure that they provide appropriate documentation to verify the debt. 
If you are unable to provide verification of this debt or if the information is found to be inaccurate, I ask that the collection account be removed from my credit report immediately. 
Please note that the FCRA requires a response to this dispute within 30 days. I also request that you send me a written confirmation once this matter has been resolved, along with an updated copy of my credit report reflecting any changes made. 
Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me. 
According to the Fair Credit Reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please removed all information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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

Complaint narrative:
Recently I disputed inaccurate information reported on my credit file. Despite multiple dispute submissions, Equifax has failed to conduct a proper reinvestigation and has improperly canceled my complaints when the XXXX XXXX XXXX XXXX XXXX XXXX became involved. Equifax handling of my disputes constitutes a failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). Due to Equifax 's continued failure to correct these inaccuracies, I have filed a lawsuit to seek legal remedy for these violations. 

Inaccurate Information in My Credit Report Stellantis Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Furthermore, my credit report contains inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX which were closed at my request in XX/XX/XXXX, yet Equifax falsely reports them as being closed in XX/XX/XXXX. Additionally, these accounts were part of a settlement agreement in XX/XX/XXXX, in which XXXX XXXX XXXX  agreed to delete them from my credit report, but Equifax has refused to reflect this change. 
XXXX XXXX XXXX  XXXX Account closed in XX/XX/XXXX, but Equifax falsely reports XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX with agreement to delete, but still reported. 

Please Delete these accounts as stated in the settlement agreement which you have the proof. 

Each dispute was submitted with supporting documentation, including : A settlement agreement with XXXX XXXX XXXX, confirming that the accounts should have been deleted. 

Despite this overwhelming evidence, Equifax has failed to remove these inaccuracies and has instead : Canceled my complaints when the BBB got involved, preventing a fair reinvestigation. 
Deleted my disputes rather than investigating them, which is a violation of the FCRA. 
Reclassified my disputes under incorrect categories to avoid properly handling them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the negative reporting associated with my [ Kickoff ] account, which has been inaccurately reported to my credit file.

Kickoff failed to withdraw payments from my card for six months without notifying me of any issues. When I became aware of the account being charged off, I immediately contacted them. A representative agreed to resolve the outstanding balance with a {$50.00} payment and assured me that they would assist in removing the negative marks from my credit report and collection status with the credit bureaus. However, despite fulfilling my obligation and making the agreed-upon payment, the negative reporting remains, and my account is still listed in collections.

This constitutes a failure to uphold the agreement made by Kickoff, and as such, I request the following actions : Immediate removal of the negative payment history and collection status associated with this account from my credit re
port.

Verification of the inaccurate information under the Fair Credit Reporting Act ( FCRA ), as the reported information is misleading and does not reflect the agreed-upon resolution.

Investigation into Kickoffs failure to honor their commitment to assist in clearing the negative report upon resolution of the account.

Please consider this letter a formal dispute under the FCRA. If the negative information is not corrected or removed, I request a written explanation outlining the verification process and proof that the information being reported is accurate.

I have attached supporting documents, including my payment confirmation and correspondence with Kickoff. Please review my dispute and update my credit report accordingly.

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the outcome

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfrauXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfrauXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CRED Technologies dba cred.ai
State: GA

Complaint narrative:
CASE NUMBERS : XXXX, XXXX, XXXX, XXXX I spoke with Cred.Ai representatives, including Supervisor XXXX and agents XXXX and XXXX, regarding the closure of my account and the retention of my personal information. I informed them that retaining my information, despite no active business engagement, constitutes identity theft. They responded that my information could only be archived, which effectively forces me to engage in business with them Additionally, my application was denied due to the reason : Unable to verify application address is your residential ( home ) address. However, the address I provided is the same as what is listed on my credit profile. Cred.Ai did not request any proof or clarification before issuing this denial, which raises concerns about unfair business practices. 

On XX/XX/year> at approximately XXXXXXXX XXXX, I spoke with agent XXXX, who stated that none of my information could be found and that he could not pull up a case number until he was able to locate my profile. However, I have email proof confirming my application status and prior responses from other Cred.Ai representatives stating that they can not delete my personal information. This contradicts Genes statement and raises concerns about transparency and proper data handling within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
My name is XXXX XXXX, I took out a loan with Opp Loans XX/XX/XXXX2025 for XXXX, I have been paying XXXX a month and I placed one of the loan in the back of the loan. I called today and spoke to a XXXX and then her supervisor and they informed me that they could not tell me my payoff, I ask is there anybody else that could, and they informed me it was not. This is predatory lending and practice in that no in the company can tell you when your loan is finished.

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

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Good afternoon my name is XXXX XXXX, I am the hurt party in question. Whom this company One main financial is fraudulently charging me over XXXX that I do not owe, due to the fact that it was settled for an amount agreed by one main financial and XXXX. 

On or about XXXX XX/XX/XXXX I XXXX XXXX was coming back from the hematology clinic from getting, my infusions, because I have health issues. I am XXXXXXXX XXXX of XXXX years ; I am fused from top to bottom on my SPINE, at this time IM almost immobile. I have documentation as well from the XXXX if needed. This company also knew this at the time of the total loss, my husband and I was going home, and my driver side front tire flew off at XXXX miles per hour, and we flew, almost died. 

These people I spoke to them once and they agreed on the above and also, I had GAP insurance through them in case something like this occurred. They took advantage ran their pen and lied on their computers. when XXXX and white speaks for itself, I live off of fixed income and they are taking advantage. I spoke to them today XXXX XX/XX/XXXX because I check my credit, and I saw this fraud. 

I called them they yelled at me I threatened them with court and that what they do is yell and be little the consumer. I've had XXXX loans and have paid them all this is preposterous and was never late. I can't believe how they have treated me. 

I don't rattle chains if I know it's not true. they allegedly said they called me XXXX days ago lies they lie all of a sudden because I reached out. 

please see attached. they agreed to the amount to be settled due to what the vehicle was worth at the time of the accident. 

I thought every this was great and now this, they have ruined my life even more. 
also, in the itemized in the credit reports they never put the payment of the XXXX they settled for. they are stealing and committing fraud. 



all I ask is for help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: TN

Complaint narrative:
Between XXXX XXXX and XX/XX/year>, an inquiry made by Lendmark Financial was added to my credit report. I have not applied for a loan with this company, as I was made aware today about the hard inquiry via XXXX XXXX.

Company response to consumer: Closed with explanation