vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTO MARKET OF FLORIDA, CORP
State: GA

Complaint narrative:
OnXX/XX/XXXX I called and spoke with XXXX and XXXX about how the car that was returned is showing up on my credit and was informed that even if I returned the car I still have to pay out the entire loan but will never be able to own that car. Then asked for my income, my updated address so they can continue to send me bills after they have sold the car XXXX years ago. This information was removed from 1 credit company but they keep telling another credit company that I have an open loan and told me they will not correct it until I pay off the loan in which I do not have the car and have not had the car for over XXXX years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I closed an account with XXXX XXXX XXXX  and they sent a letter confirming that my debt was paid in full. Chex systems continues to hold this over my head by causing issues for me to open a bank account. Please help.

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 2025-04-07 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: OK

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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  ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Took my information with out letting me open a account or get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

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 2025-04-07 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: FL

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 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 2025-04-07 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance. 

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

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I received a collection notice from XXXX on behalf of XXXX XXXX XXXX on XX/XX/XXXX. 

Despite having paid this account in full during the XXXX rental agreement, I recently received a notice stating that the account remains unpaid. This is factually incorrect. I have retained several of the original money order receipts and also possess written email confirmation from the rental agency verifying that the account was paid in full. 

Since receiving the notice, I have contacted the property manager on XXXX  ( XXXX ) separate occasions by phone in an effort to resolve this issue directly. Unfortunately, I have not received any response to date. This ongoing lack of communication has not only caused unnecessary stress, but has also left me feeling unsafe and increasingly anxious, especially as the threat of this misinformation negatively affecting my credit looms. 

I believe this action constitutes an unlawful attempt to damage my credit standing and may violate fair credit reporting practices. I am seeking CFPBs assistance in ensuring that this account is not falsely reported to any credit bureaus and that all inaccurate records are corrected promptly. 

I am prepared to submit the money order receipts and the email confirmation from the rental agency as evidence upon request. 

Thank you for your attention to this matter. I look forward to your timely assistance in resolving this issue.

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 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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: 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 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
In my initial report ( CFPB Ref number XXXX ) reporting the problem, I wrote the following : I have an American Express credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. AMEX automatically pays the full bill from my AMEX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my AMEX savings account. On XXXX and XX/XX/XXXX, AMEX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called AMEX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact AMEX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this 2-3 times already and only one of the two errors have been corrected. I still have the second error on my credit report listing as unpaid. This caused my credit score to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry. 

The company replied my Auto pay was cancelled. It does not say how or by whom it was cancelled but it was not by me, it was cancelled by them. Who in their right mind would cancel autopay and then not pay the bill? I have perfect record paying my bills with AMEX and other creditors before this happened and afterwards. Never miss a payment, yet I was reported for not paying. I never did anything about it because I did not know Auto Pay was turned off nor have I ever gotten a paper bill nor needed to as auto pay has by default, always been turned on. The following months bill also went unpaid but on the third bill auto pay miraculously was turned on again without me doing a thing. They also state they notified me of the bill not being paid, but I live XXXX  working for XXXX  XXXX  and never received a paper notice or bill or need to look at the bill as it is always on auto pay. By the time I noticed the error I was unable to address the issue as it was already reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I found accounts on my credit report that I dont recognize and never authorized. I have no idea where these came from, but theyre being reported as if they belong to me. This is completely inaccurate and its creating a distorted view of my credit history.

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding fraudulent activity involving an account that was closed in XX/XX/XXXX with a XXXX balance. XXXX has reported a non-existent balance to a debt collection agency, despite my account being settled, and I have not been made aware of any outstanding balance prior to these actions in any written documentation. In XX/XX/XXXX, I closed my XXXX account and ensured that the balance was fully paid, leaving a XXXX balance at the time of closure. However, despite this, XXXX has reported an incorrect balance to a debt collection agency. I have not received any written communication or notification from XXXX regarding any balance owed on this account. I was never informed of any outstanding debt, and I am now being targeted by a collection agency for a balance that does not exist. XXXX actions in reporting this non-existent debt to a collection agency appear to be fraudulent. I have no knowledge of any outstanding balance, and no communication from XXXX indicated that I owed any additional amounts after the account was closed with a XXXX balance. Furthermore, XXXX has failed to send me any written communication or letter notifying me of a balance on this account after it was closed. This lack of notification prevented me from addressing or resolving any potential issues before the account was sent to collections. In accordance with the Fair Credit Reporting Act ( Section XXXX, XXXX U.S. CXXXX  XXXXi ), I am exercising my rights to challenge the questionable information reported on my credit report. I do not recognize the information XXXX has reported and request that the Consumer Financial Protection Bureau investigate the source of this account and determine whether XXXX had a permissible purpose to report inaccurate information on my credit report on a monthly basis. I am requesting that the CFPB assist in resolving this matter by ensuring XXXX ceases any collection attempts related to this account, investigates how this erroneous debt was reported, and determines whether XXXX is in violation of the Fair Credit Reporting Act. I also request a written confirmation from XXXX acknowledging that the account was closed with a XXXX balance and that no outstanding debt was owed. I have attached relevant documentation, including account statements showing the XXXX balance and previous communications with XXXX, to support my case. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in resolving this issue promptly and fairly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My account with XXXX  XXXX as of XX/XX/XXXX is current. However, on my TransUnion credit report it shows that I am delinquent and that I owe an amount of {$550.00}. This was an amount owed and reported back in XX/XX/XXXX. I paid this balance down at the end of XXXX. XXXX balance was reported current and in XXXX I owed {$330.00}. The credit bureau states from XX/XX/XXXX to XX/XX/XXXX, My balance increased {$230.00} from XXXX to XXXX the credit bureau and or XXXX XXXX reported XXXX balance instead of XXXX balance. I have repeatedly called both companies and XXXX XXXX is requiring me to put my dispute in writing even though they see that my current balance is {$130.00}. TransUnion states that they are only reporting what is given to them from the credit card company. Neither company is taking responsibility for this error of reporting backwards. Meanwhile, my credit score has dropped XXXX points due to the error. My account is showing delinquent and went from current to 60 days late due to this error.

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 2025-04-07 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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