vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 Balance : {$1600.00} Open Date XX/XX/XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX Inquiries : XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit report, and there is inaccurate information that is being reported on my credit report. XXXX XXXX AGREED TO DELETE ALL DEROGATORY COMMENTS ONCE THE ACCOUNT WAS PAID IN FULL. AS YOU CAN SEE, THE ACCOUNT WAS PAID IN FULL. PLEASE DELETE ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURATE INFORMATION. I disputed the ACCOUNT WITH XXXX, AND THEY DID AN investigation and DELETED ACCOUNT OFF MY REPORT. EQUIFAX, EXPERIAN, AND TRANSUNION ALL STATED ACCOUNT WAS VERIFIED, BUT NEVER SENT ME PROOF OF THE METHOD OF VERIFICATION. I HAVE A SCREENSHOT PROVING XXXX DID INVESTIGATION AND TOOK ACTION ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I received a copy of my credit report, and there is inaccurate information that is being reported on my credit report. XXXX XXXX AGREED TO DELETE ALL DEROGATORY COMMENTS ONCE THE ACCOUNT WAS PAID IN FULL. AS YOU CAN SEE, THE ACCOUNT WAS PAID IN FULL. PLEASE DELETE ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURATE INFORMATION. I disputed the ACCOUNT WITH XXXX, AND THEY DID AN investigation and DELETED ACCOUNT OFF MY REPORT. EQUIFAX, EXPERIAN, AND TRANSUNION ALL STATED ACCOUNT WAS VERIFIED, BUT NEVER SENT ME PROOF OF THE METHOD OF VERIFICATION. I HAVE A SCREENSHOT PROVING XXXX DID INVESTIGATION AND TOOK ACTION ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT

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 2025-05-06 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
XXXX XXXX has repeatedly mishandled my auto loan account and submitted fraudulent documentation during the dispute process. I originally signed a retail installment sales contract at the dealership, but when I filed disputes regarding the loan terms and account status, XXXX  submitted a different version of the contract to the CFPB. This raises serious concerns of document fraud, misrepresentation, and deceptive business practices. 

I filed multiple disputes and complaints starting in late XXXX, including with the CFPB and the Pennsylvania Attorney General. Despite clear evidence and detailed explanations, XXXX  responses have been boilerplate and evasive. Rather than addressing the fraudulent contract discrepancy, XXXX continues to respond with copy-paste answers and refuses to provide a certified true copy of my original signed contract. 

In addition to the contract issue, I submitted numerous photos and documented proof showing that the vehicle I was sold was a lemondefective from the start, with mechanical issues and safety concerns that were never properly addressed. I also cited late payment laws and consumer protection laws, providing XXXX with detailed evidence and legal arguments to support my case. Despite all of this, XXXX has failed to conduct a proper investigation and continues to ignore critical facts. 

XXXX  is reporting the account as a Profit and Loss Write-Off ( charge-off ) with the remark dispute resolvedsubscriber disagrees while still pursuing collections. This is misleading, harmful, and violates credit reporting standards. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, XXXX reporting is inaccurate and inconsistent, especially given the ongoing dispute and the unresolved contract fraud. 

I am requesting a full investigation into XXXX XXXX handling of this account, including their submission of altered documents, their failure to properly investigate my lemon law claims, and their inaccurate credit reporting. I am also demanding that XXXX be required to validate the debt with the original signed contract, correct or delete the negative credit reporting, and be held accountable for any violations of consumer protection laws. 

This account should be deleted from all credit reporting immediately due to its unverifiable, inaccurate, and fraudulent nature.

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 2025-05-06 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: PA

Complaint narrative:
XXXX XXXX has repeatedly mishandled my auto loan account and submitted fraudulent documentation during the dispute process. I originally signed a retail installment sales contract at the dealership, but when I filed disputes regarding the loan terms and account status, XXXX  submitted a different version of the contract to the CFPB. This raises serious concerns of document fraud, misrepresentation, and deceptive business practices. 

I filed multiple disputes and complaints starting in late XXXX, including with the CFPB and the Pennsylvania Attorney General. Despite clear evidence and detailed explanations, XXXX  responses have been boilerplate and evasive. Rather than addressing the fraudulent contract discrepancy, XXXX continues to respond with copy-paste answers and refuses to provide a certified true copy of my original signed contract. 

In addition to the contract issue, I submitted numerous photos and documented proof showing that the vehicle I was sold was a lemondefective from the start, with mechanical issues and safety concerns that were never properly addressed. I also cited late payment laws and consumer protection laws, providing XXXX with detailed evidence and legal arguments to support my case. Despite all of this, XXXX has failed to conduct a proper investigation and continues to ignore critical facts. 

XXXX  is reporting the account as a Profit and Loss Write-Off ( charge-off ) with the remark dispute resolvedsubscriber disagrees while still pursuing collections. This is misleading, harmful, and violates credit reporting standards. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, XXXX reporting is inaccurate and inconsistent, especially given the ongoing dispute and the unresolved contract fraud. 

I am requesting a full investigation into XXXX XXXX handling of this account, including their submission of altered documents, their failure to properly investigate my lemon law claims, and their inaccurate credit reporting. I am also demanding that XXXX be required to validate the debt with the original signed contract, correct or delete the negative credit reporting, and be held accountable for any violations of consumer protection laws. 

This account should be deleted from all credit reporting immediately due to its unverifiable, inaccurate, and fraudulent nature.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX has repeatedly mishandled my auto loan account and submitted fraudulent documentation during the dispute process. I originally signed a retail installment sales contract at the dealership, but when I filed disputes regarding the loan terms and account status, XXXX  submitted a different version of the contract to the CFPB. This raises serious concerns of document fraud, misrepresentation, and deceptive business practices. 

I filed multiple disputes and complaints starting in late XXXX, including with the CFPB and the Pennsylvania Attorney General. Despite clear evidence and detailed explanations, XXXX  responses have been boilerplate and evasive. Rather than addressing the fraudulent contract discrepancy, XXXX  continues to respond with copy-paste answers and refuses to provide a certified true copy of my original signed contract. 

In addition to the contract issue, I submitted numerous photos and documented proof showing that the vehicle I was sold was a lemondefective from the start, with mechanical issues and safety concerns that were never properly addressed. I also cited late payment laws and consumer protection laws, providing XXXX with detailed evidence and legal arguments to support my case. Despite all of this, XXXX has failed to conduct a proper investigation and continues to ignore critical facts. 

XXXX  is reporting the account as a Profit and Loss Write-Off ( charge-off ) with the remark dispute resolvedsubscriber disagrees while still pursuing collections. This is misleading, harmful, and violates credit reporting standards. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, XXXX reporting is inaccurate and inconsistent, especially given the ongoing dispute and the unresolved contract fraud. 

I am requesting a full investigation into XXXX XXXX handling of this account, including their submission of altered documents, their failure to properly investigate my lemon law claims, and their inaccurate credit reporting. I am also demanding that XXXX be required to validate the debt with the original signed contract, correct or delete the negative credit reporting, and be held accountable for any violations of consumer protection laws. 

This account should be deleted from all credit reporting immediately due to its unverifiable, inaccurate, and fraudulent nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
Transunion credit bureau refuses to remove a medical debt dispute that was paid in full with proof of payment sent in and medical bills should not be reported due to new laws on 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 2025-05-06 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 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: EGL US, LLC
State: NY

Complaint narrative:
AGENT ( XXXX ) : Thank you for confirming this information, how may I assist you today? 

USER : Regarding the overpayment XXXX USER : I don't see anywhere, where this has been processed USER : All I have is the words of representative from Friday USER : Could you let me know what is this status? 
USER : Hello? 

AGENT ( XXXX ) : To confirm the refund process takes 3 to 5 business days to process please allow that timeframe as the previous agent has added to the refund sheet. 

USER : Okay, I've noted the dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Knowing how important this is for me, I'll be read contacting tomorrow, your day 4. 
USER : reconnecting * AGENT ( XXXX ) : Please allow the timeframe of 3-5 business days, you would not receive the payment tomorrow. 

USER : So it would be 5 days USER : Is this at all malicious or because of my race? 

AGENT ( XXXX ) : To confirm, it is 3 to 5 days, The refund was placed yesterday. 
AGENT ( XXXX ) : To confirm, no that is the process it has nothing to do with rave or mal intent. 

USER : That should not be confirm. The refund should have been started on XXXX when I first notified you all at XXXXXXXX XXXX 
USER : That representative said it would be available that day. 
USER : So this is not discriminatory or maliciously being held to cause more financial distress then actually necessary? 

AGENT ( XXXX ) : To confirm no. 

USER : If it was not the case is there any evidence you can provide that the status of the refund was in fact set for Friday on XXXX, when I first had called? 

AGENT ( XXXX  ) : I do apologize, no I do not have documentation to advise this. I can confirm that it was not done with mal intent or to be discriminatory. 

USER : To clarify, on XXXX at XXXX XXXX  EST, I notified you all that it was a gross overpayment and requested it be refunded. It was stated that it would be processed that day. Can you confirm it was processed that day? Or did happen yesterday, when I call the 3rd time> AGENT ( XXXX  ) : I do apologize, it was not added that day I do apologize, unfortunately I have verified that it was added today actually. I have escalated to supervisor regarding the agent that was supposed to add the information to the sheet as it was an unintentional mistake, we do sincerely apologize and we will get this reimbursement back to you as soon as possible. 

USER : Oh no! : ( AGENT ( XXXX ) : We do apologize for the inconvenience, we will get this reimburse to you within the timeframe of 3 to 5 business days. Is there anything else I can assist you with today?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentialy under 15 USC 1681 1. Validate Account XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Validate Account DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. Validate Account DEPT OF EDUCATION/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. Validate Account DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 US 1681 ( e ) ( b ) And according to the 15 US 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can't be verified, the consumer reporting agency shall ( I ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentialy under 15 USC 1681 1. Validate Account XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Validate Account DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. Validate Account DEPT OF EDUCATION/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. Validate Account DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 US 1681 ( e ) ( b ) And according to the 15 US 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can't be verified, the consumer reporting agency shall ( I ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation