vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
Subject : Billing Error Dispute Under Fair Credit Billing Act ( FCBA ) Account # XXXX Disputed Billing Periods : XXXX & XX/XX/year> To Whom It May Concern, This letter serves as a formal billing error notice pursuant to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666 regarding late payments reported on my XXXX XXXXXXXX credit card account # XXXX for XXXX and XX/XX/year>. 

Nature of the Billing Error : I am disputing the late payments reported for XXXX and XX/XX/year> because I did not receive billing statements for those months. As a result, I was unaware of any amount due and could not make timely payments. Since the statements were not properly delivered, I was denied a fair opportunity to review my balance or submit payment on time, which constitutes a billing error under the FCBA.

This situation meets the criteria of a billing error, specifically : A failure to send a periodic statement, which caused an inability to make a timely payment.

Improper reporting of delinquencies based on a breakdown in communication, not consumer neglect. 

What I Am Requesting : A full investigation into this matter. 

Correction of the reported late payments for XXXX and XX/XX/year> to reflect on-time or paid as agreed status. 

A written response explaining the outcome of your investigation. 

Confirmation that you will notify all credit reporting agencies of the corrections. 

My Rights : Under the Fair Credit Billing Act, I have the right to dispute any billing error within 60 days of the statement date. I am well within this time frame and expect this matter to be resolved promptly and fairly. During your investigation, you are prohibited from continuing to report this information as delinquent without a proper finding. 

Please treat this as a good faith effort to resolve what I believe to be an honest error, and I am confident you will update the payment history accordingly. 

Thank you for your time and attention to this matter.

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 2025-04-16 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-16 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: MO

Complaint narrative:
t. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These names must be removed As they do not correctly, identify me as a federally, protected consumer and by law, they are categorized as aliases. Addresses. Only the address XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  I can never be reached at the previous addresses. They are not available addresses. And attempting to contact me at these addresses is categorized as mail fraud by federal law.. They must be removed immediately I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at this institutions/Corporation. I do not know where this information came from. Please remove it from my credit report. Late payments Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a

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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
this account was charged off in XXXX as a profit loss, they were suppose to send me a XXXX so i can write it off as income they did not provide me the XXXX. they are still reporting on my credit that i owe the balance even though they took a tax break. so im requesting a XXXX and them to remove it off my credit and they are reporting incorrect dates as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2025-04-16 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 ) 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 2025-04-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Commenity BankXXXX XXXX is reporting a charged off account on my credit report as delinquent when they didnt uphold the terms of our original agreement. I purchased some jewelry from XXXX XXXX and was told the cost and how many payments and what amount the payments would be to finance the jewelry. 

After making about XXXX months of payments, the balance didnt change. When I called to discuss with XXXX XXXX my concerns, they told me I had to speak to commenity bank. Commenity bank explained that I was merely paying the interest and would need to make higher payments to pay the account off in the time agreed upon. 

When I left XXXX XXXX they assured me that what we agreed to verbally was valid. They couldnt provide me with any paperwork. They didnt tell me when my first payments would be due. They wouldnt allow me to put money down on my purchases when I attempted to. Which later I was told, I should have been able to do. 

Commenity Bank offered no solutions to this issue but tried to hold me to an agreement I never entered. Therefore the agreement they have on file is fraudulent because it is not the agreement we discussed at XXXX XXXX. 

This location was in XXXX Illinois on XXXX XXXX XXXXXXXX I want to say my purchase was early XXXX or XXXX. I have disputed this account several times to no avail. It is adversely affecting my credit score tho it is charged off at this point and also was never a truthful agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
My account with XX/XX/XXXXXXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-04-16 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app is taking money out of my payment checks every week without my concern with borrow limit when I never made an agreement for them to take money out of my account when I'm not leaving borrowing money from them no more and I called them and talked about them the only thing they tell me is that they're going to fix the problem and that I have to wait for a email that's the only explanation I get from them and I never received email from them and I need this problem to be fixed and served as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

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 non-monetary relief
Consumer complaint received 2025-04-16 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This is the complaint I filed with the XX/XX/XXXXbut Destiny is still billing me for fees. 

I am now filing this same complaint with the CFPB. 

I'm writing to formally request that this charge for destiny credit card be taken off of my credit bureau accounts. Please feel free to listen to their recording when I spoke with them. 

During this time I called them to see how/why there was a {$170.00} charge on my card before I even received it in the mail. They told me this is what they're charging me to receive their card. This was a blatant bait and switch because they didn't inform me of such an unreasonable charge prior to agreeing to take the card. I didn't even apply for the card. 

I got an email that I had been approved for a {$700.00} credit so I decided to take it just as a backup in case of an emergency, BUT again I got a bill before I even received the card in the mail that I owed {$170.00} for fees. 

I told them during the phone call that I absolutely do not want this credit card because they did a bait and switch and that it needs NOT to be derogatory on my credit bureau accounts because I didn't do anything wrong. I never asked for this card and they just scam people for the almost {$200.00} upfront. 

I'm XXXX XXXX XXXX on a limited income. I don't have that kind of money to pay a fee like that just to get a credit card. Please immediately remove this from my account. 

Thank you CFPB for looking into this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing the validity and enforceability of a retail installment contract associated with Loan # XXXX, which Porsche Financial Services ( PFS ) claims to service. The contract originated from a vehicle sale at XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. 

Upon legal review, the contract is found to be materially defective : The version in my possession contains no dealership signature, no printed name, no title, and lacks proper execution authority from the seller. 

There is no documentation showing lawful assignment or transfer from the dealership to Porsche Financial Services.

PFS has refused to provide validation, a complete chain of title, or any notarized corporate affidavit confirming its standing to enforce this debt. 

There are indicators that the agreement was securitized or pledged as collateral and that a UCC lien may have been filed against the vehicle without lawful assignment or my consent. 

I submitted XXXX formal legal demands ( XX/XX/XXXX, and XX/XX/XXXX ) requesting : Debt validation Assignment documentation Disclosure of XXXX filings and securitization activity Immediate rescission of the defective contract and lien release PFS responded only by denying FDCPA applicability and refused to address any of the substantive concerns. They continue to bill me under a disputed and potentially unenforceable contract.

This appears to be a case of : Improper contract enforcement Lack of proper lien perfection under UCC Article 9 Concealed securitization or transfer of consumer credit without disclosure Potential violation of the Truth in Lending Act ( TILA ), FTC Act ( UDAP ), and state consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company. I want to be absolutely clear : I never gave you permission to access my credit reportnot verbally, not in writing, not in any form whatsoever.

Company response to consumer: Closed with explanation