vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am filing this complaint because a debt has been reported to the credit bureaus and is now being collected by XXXX XXXX XXXX ( XXXX ) or a third-party collection agency, despite the fact that I never received the service I was charged for. 

I signed up for aligners through XXXX, but they failed to deliver the promised services. I attempted to get help from their customer service and account management team multiple times. Eventually, I received written confirmation via email from a XXXX account manager stating that my account would be canceled and refunded. Despite this, the lender ( XXXX XXXX has continued to report the account as delinquent and has even sent it to collections. 

I believe this is both unfair and inaccurate, and it is severely damaging my credit. I am attaching the relevant emails showing XXXX agreement to cancel and refund the account, which should invalidate any remaining balance. 

I am requesting that : 1. The debt be removed from my credit reports immediately.

2. Any collections activity be ceased.

3. The lender and/or collector acknowledge XXXX agreement to cancel and refund my account. 

Please investigate this matter and assist in resolving it promptly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I was genuinely shocked to find out that my credit report was accessed without my knowledge or permission. Several applications were submitted in my name, and inquiries now show up from companies Ive never dealt with or authorized. I never consented to these credit pulls, and frankly, it's disturbing. This isnt just a mistakeits a violation of my privacy and rights as a consumer. As someone who values integrity and follows the law, its incredibly insulting to have my name tied to something fraudulent.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Never opened account Victim of identity theft/fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of XXXX : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I have repeatedly notified TransUnion of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

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 2025-04-08 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I specifically asked for my original contract with my wet ink signature or any documentation with consent to prove ownership of this Experian did not complete an investigation. This is costing me my reputation and damages leading up to getting denials. Also this debt shows sold to another company

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 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: OH

Complaint narrative:
I did not authorize or open these accounts and have reason to believe they are the result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and taken steps to protect my credit, including placing a fraud alert and/or credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-08 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:
Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License. 
ID Number : XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am witing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request Thank you for your assistance Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Account was opened without my consent Victim of identity theft/fraud

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
It has come to my attention that a negative collection account has been added to my credit report. The following account has been listed How did you verify this account. 

According to the CFPB, you need to investigate. 
As I understand the law, I have the right to request information regarding the debt that you have reported on my credit report. I kindly request that you provide me with all documentation pertaining to this debt for my review. 

I am writing to formally dispute the validity of the alleged debt referenced in your communications. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am requesting that you immediately cease all communication with me regarding this matter.

Additionally, I request that you provide verification of the debt as required under 15 U.S.C. 1692g. Until such verification is provided, you are not to contact me further except to confirm receipt of this dispute or provide the requested documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Global Lending Services LLC
State: NJ

Complaint narrative:
My credit was used unlawfully without my knowledge. I did not approve of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My credit was used unlawfully without my knowledge. I did not approve of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

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 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 2025-04-08 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: IL

Complaint narrative:
Ive just received my credit report and noticed inaccurate items that shouldnt be listed within my credit profile. And in accordance to FCRA, the following accounts XXXX, XXXX, XXXX, and XXXX has violated the following laws 15 U.S. Code 1681 i ( a ) ( 6 ) ( B ) ( iii ) Method of verification The following accounts were removed but then put back on my credit report without notifying me

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 2025-04-08 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

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my credit report JEFFERSON CAPITAL SYST / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
On XX/XX/XXXX nd I noticed inaccuracies on my credit profile i sent a letter certified to XXXX, XXXX and trans union on XX/XX/XXXX asking them to investigate these accounts along with a FTC report and I have yet to hear anything back from them my FTC report number is XXXX according to 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate within 30 days of the date on which the agency receives the notice of the dispute from the 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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: DC

Complaint narrative:
I am filing this complaint to report Equifaxs repeated failure to conduct a lawful reinvestigation of a bankruptcy previously reported on my credit file. 

On or around XX/XX/year>, I received a reinvestigation letter from XXXX, dated XX/XX/year>, confirming that the bankruptcy had been removed from my XXXX report. This letter was included in an online dispute I submitted to Equifax, along with supporting documentation. Despite this clear evidence, Equifax illegally verified the bankruptcy and marked the dispute as verified between XX/XX/XXXX ( Confirmation # XXXX ). 

It is impossible that a proper investigation was completed, as XXXX was the primary data source and had already removed the bankruptcy from their records. 

In addition to this incident, I have submitted three more disputes, which Ive included in the attached PDF. The turnaround times on these disputes were unreasonably short, further indicating no actual investigation was conducted. 

To escalate the issue, I sent a certified mail dispute package to Equifax including the XXXX letter and other supporting documentation. Again, Equifax verified the bankruptcy, and today ( XX/XX/year> ), when I called to follow up, the dispute was improperly closed over the phone. I spoke with XXXX ( # XXXX ), who wrongfully closed the dispute and transferred me after an hour-long wait. XXXX ( # XXXX ) of Tier 3 Dept confirmed the case was closed by XXXX in error and said nothing further could be done except for me to resubmit the dispute. 

This is a blatant FCRA violation. I spent {$15.00} of my own money to mail this dispute, only to have it mishandled repeatedly. Ive now been trying for almost a month to obtain a deletion that I am legally entitled to. 

Requested Resolution : I am invoking my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) : I request Equifax provide the following within 15 days of this complaint : The method of verification A detailed description of the procedure used All documentation received during their investigation that supports the continued reporting of this bankruptcy If Equifax can not produce this documentation, then the bankruptcy must be immediately deleted from my credit report. 

Notice of Intent : If this issue is not resolved promptly, I intend to pursue legal action under the FCRA, which provides for {$1000.00} in statutory damages per violation. Equifax has now multiple times violated the law, causing harm to my financial profile and emotional distress. 

I am requesting the Consumer Financial Protection Bureau to intervene and enforce Equifaxs legal responsibility to report only accurate information and comply with all reinvestigation obligations under federal law.

Company response to consumer: Closed with explanation