vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
On XX/XX/year>, I contacted TransUnion about an encrypted email I received regarding a dispute about verifying a bankruptcy that's being reported on my consumer profile. I spoke with a representative on a recorded line who looked into my file and told me that I needed to provide more evidence about my dispute. I asked her who verified this bankruptcy because none of the third party agencies have anything ; also court documents are redacted and doesn't show anything so what company verified this. She responded by saying the sent verification to the courts but they did not respond ; I asked if they did not verify this information then why is it being reported as if they did. I told her I had no knowledge of this bankruptcy and why is it in my file ; she stated I needed to file a FTC report and a police report and submit it as evidence. She then stated she reopened my dispute and asked me if I needed anything else.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Request for Deletion of Inaccurate Information Account Number : XXXX CFPB Case # : XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced account. After careful review, I continue to dispute the validity and accuracy of this account as reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this account be immediately deleted from all credit reporting agencies. You have failed to provide sufficient documentation to substantiate ownership, original signed agreements, or a complete payment history verifying this debt is valid and collectible. Therefore, I request that you remove this item from my credit reports with XXXX, XXXX, and XXXX. 

If you are unable to provide full documentation supporting the legitimacy of this debt, you are required by law to delete the account from all credit reporting databases. 

Please confirm in writing that the account has been deleted from my credit files. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-05-07 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: TX

Complaint narrative:
I am reaching out to EXPERIAN to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent accounts and unauthorized inquiries : PLEASE REMOVED ALL THE LATE PAYMENTS ON THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} and PLEASE DELETE ALL THE ITEMS LISTED BELOW IN MY CREDIT REPORTS : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance {$490.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} ; The following list of Fraudulent Inquiries to be blocked from my credit report for Non- Permissible Purpose : NAME OF COMPANY DATE OF INQUIRY : XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
XXXX has delinquency reporting to my credit report that I think should be removed and I have disputed and ask for proof of the late payments. From XX/XX/XXXX to XX/XX/XXXX. 15 U.S code 1666b says 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Under FCRA Section 611, if the creditor can't provide proper documentation to verify the late payment, they must update or delete it by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has delinquency reporting to my credit report that I think should be removed and I have disputed and ask for proof of the late payments. From XX/XX/XXXX to XX/XX/XXXX. 15 U.S code 1666b says 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Under FCRA Section 611, if the creditor can't provide proper documentation to verify the late payment, they must update or delete it by 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 2025-05-07 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My card was used fraudulently multiple times at the same gas station at times I was at home and still in bed. The card is in my possession. But I did not make these charges so I filed a police report. Provided chase the police report and they stated the card was used in person so its not fraud and reversed the charges. I have escalated again with chase, however they said they didnt have a police report and their data shows the card was used in person. They are supposed to protect from fraud and instead are trying to blame me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-07 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-07 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXXXXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXXXXXX XXXX  XXXX - XX/XX/XXXX 6. XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was charged off by the creditor and it was fraudulently opened. I am a victim of identity theft and I need this off my credit. I dont know this company I dont owe this company they bought this fraudulent debt from somebody else that is their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 2025-05-07 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: TN

Complaint narrative:
Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that Ive found 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 XXXXXX/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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I refied my truck with another company about XXXX weeks ago. I also accidentally made an extra payment to WESTLAKE, the original note holder, because I had it set up on online bill pay, so I was never late. The overage I had in the account from the bill pay was {$430.00}. The extra pmt I made was {$390.00}, totaling {$830.00}. Thats what is due me. I asked for it to go back into my bank account, as I had set up bills to pay. They completely ignored that request and sent me virtual cards! I dont even know how to use a virtual card, XXXX XXXX XXXX XXXX! But, even looking at them, there was no money I could tell was on them. Again, I really didnt know how to use them. I then asked for checks, which they sent and 3 days later, pulled them back, causing me to have over - {$500.00} in my checking account!!! 
Then they said that I could do an ACH, but didnt send me the activation code!!! I begged for that information and then they said I had spent one of the virtual cards! THIS HAS BEEN ONE OF THE WORST EXPERIENCES OF MY LIFE!!! Ive been physically sick over this, everything is automated and you cant talk to anyone! I get around $ XXXX for social security XXXX this is really hurting me financially, and my credit. Ive tried talking to them and emailing them to the tune of XXXX times! THIS IS RIDICULOUS!! They are stalling constantly! PLEASE HELP ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 2025-05-07 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$50000.00} Date XXXX - prev. late open XXXX  XXXX * * * * {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX MOBILE ) XXXX * * * * {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a line of credit opened at XXXX on XX/XX/year> under the account number US. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CT

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

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