vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to XXXX XXXX XXXX asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( XXXX XXXX XXXX XXXX ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITAL ONE OWES ME {$660.00} ( XXXX CARD ) MINUS ( XXXX CARD - {$50.00} ) = {$610.00} DUE TO ME. 
CAPITAL ONE OWES ME ON CREDIT CARD # XXXX CREDITS {$1200.00}. 

XXXX XXXX  TO ME {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received message regarding a XXXX  job opportunity that stated it was with XXXXXXXX XXXX. After messaging business manager I was asked multiple times to provide an account to received payment and I only provided an account not connected to my bank and the canceled payments were coming from a Block , inc in XXXX. No funds were taken from me only because I knew better but just wanted to report this scam so others will be aware

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: GA

Complaint narrative:
Notification of Ownership and Liability Transfer Discover Bank Credit Card Accounts No. XXXX, XXXX Dear Sir or Madam, I am writing to formally notify the Consumer Financial Protection Bureau XXXX I, XXXX XXXX XXXX XXXX am transferring all ownership and liability associated with my Discover Bank credit card account ( Account No. XXXX and XXXX ) to The XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

Effective immediately, I, XXXX XXXX XXXX, am no longer personally liable for any past, present, or future charges associated with this account. All rights, obligations, and responsibilities pertaining to the account have been transferred to the XXXX. A XXXX XXXX XXXX has been filed under Filing Number : XXXX to reflect this legal transfer. 

I have already informed Discover Bank of this change and have requested that their records be updated accordingly. 

I am submitting this notice to the CFPB for the purpose of documentation and to ensure that there is an official record of this transfer in case any future disputes or misunderstandings arise. 

Please feel free to contact me should you require any further documentation or information regarding this matter. 

Thank you for your attention to this notification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Upon reviewing my credit reports, I have identified that your company is furnishing information that is inaccurate, incomplete, and/or misleading. Specifically, the account is being reported as a credit loss/charge-off, but the reported details are incorrect for the following reasons : XXXX  Account Number XXXX Highest Balance {$350.00} Status Account charged off. 
{$350.00} written off. 

Under the Fair Credit Reporting Act ( FCRA ), you have certain legal obligations when furnishing information to consumer reporting agencies : 15 U.S.C. XXXX requires furnishers like yourself to investigate disputed information and correct or delete any information that is found to be inaccurate or incomplete. 
15 U.S.C. XXXX ( b ) requires that all information provided to credit reporting agencies must be maintained with the maximum possible accuracy. 

Your continued reporting of inaccurate information is causing harm to my creditworthiness and could expose your company to liability for negligent or willful noncompliance with federal law. 

Accordingly, I am formally requesting that you : 1.Conduct an immediate investigation into this account. 
XXXXCorrect or delete all inaccurate information you have furnished to consumer reporting agencies. 
XXXXProvide me with written confirmation of the results of your investigation and an updated status of this account. 

Please treat this letter as a formal notice of dispute under the FCRA. If you are unable to fully substantiate the accuracy of the information with documented evidence, you are required to delete the disputed information. 

Failure to correct or delete this information within the required timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights under the 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 explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Upon reviewing my credit reports, I have identified that your company is furnishing information that is inaccurate, incomplete, and/or misleading. Specifically, the account is being reported as a credit loss/charge-off, but the reported details are incorrect for the following reasons : XXXX  Account Number XXXX Highest Balance {$350.00} Status Account charged off. 
{$350.00} written off. 

Under the Fair Credit Reporting Act ( FCRA ), you have certain legal obligations when furnishing information to consumer reporting agencies : 15 U.S.C. XXXX requires furnishers like yourself to investigate disputed information and correct or delete any information that is found to be inaccurate or incomplete. 
15 U.S.C. XXXX ( b ) requires that all information provided to credit reporting agencies must be maintained with the maximum possible accuracy. 

Your continued reporting of inaccurate information is causing harm to my creditworthiness and could expose your company to liability for negligent or willful noncompliance with federal law. 

Accordingly, I am formally requesting that you : 1.Conduct an immediate investigation into this account. 
XXXXCorrect or delete all inaccurate information you have furnished to consumer reporting agencies. 
XXXXProvide me with written confirmation of the results of your investigation and an updated status of this account. 

Please treat this letter as a formal notice of dispute under the FCRA. If you are unable to fully substantiate the accuracy of the information with documented evidence, you are required to delete the disputed information. 

Failure to correct or delete this information within the required timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I recently refinance my house and a check pagable to a car loan was issue when investigated the car loan is under someone else name and address and it show in my credit reporte as un paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National credit systems Opened XX/XX/XXXX Amount XXXX XXXX XXXX and XXXX XXXX ( not reported ) no information National credit systems Opened XX/XX/XXXX Amount XXXX XXXX at the XXXX XXXX ( not reported ) no information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
The reported address on this account is incorrect and violates the FCRA. Please investigate and remove this inaccurate information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute inaccurate infomration as clearly seen and marked on my credit report.

As per Section 605B of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 USC $ 1681i ) and Section 623 ( 15 USC 1681s-2 ).

I am requesting the immideiate removal of this erroneous information as it is incorrect and does not gelong on my credit profile.

The inaccurate item ( s ) in question are as follows : TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-04-28 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-28 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-28 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I, XXXX XXXX declare under penalty of perjury that the following is true and correct to the best of my knowledge : I am a victim of identity theft. As a result, the following information that appears on my credit report does not relate to any transaction I made or authorized : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX I did not open or authorize the opening of the above-referenced account, nor did I incur the associated debt. I am requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that this information be permanently blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX declare under penalty of perjury that the following is true and correct to the best of my knowledge : I am a victim of identity theft. As a result, the following information that appears on my credit report does not relate to any transaction I made or authorized : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize the opening of the above-referenced account, nor did I incur the associated debt. I am requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that this information be permanently blocked from my credit report

Company response to consumer: Closed with explanation