vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NM

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Dear CFPB, Experian has failed to remove a settled account from my credit report despite the account having been settled in Court. Experian is reporting inaccurate information on my credit report. This inaction has caused financial harm, including higher interest rates. Their refusal to correct this violates the Fair Credit Reporting Act ( FCRA ). I request to remove this account as immediate enforcement of my rights. 

Account : XXXX XXXX / XXXX / Date opened XX/XX/year> I am attaching a judge order stipulating the account as settled. 

Sincerely, 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 2025-03-25 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: NJ

Complaint narrative:
I am writing to formally dispute the charge-off listed on my credit report for account # XXXX. I recently reviewed my credit report and noticed this entry, which I believe is inaccurate. I request that you provide verification of the charge-off, including a detailed payment history and the original signed agreement. 

I demand that you send me the 1099 C for this account since they are reporting it as a total loss and it is illegal to report this when you have already declared it to the IRS as a total loss. 

If the information can not be verified, I request that this charge-off be removed from my credit file per the Fair Credit Reporting Act ( FCRA ). Please respond in writing within 30 days of receiving this letter. 
I Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-03-25 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: NJ

Complaint narrative:
I am writing to formally dispute the charge-off listed on my credit report for account # XXXX. I recently reviewed my credit report and noticed this entry, which I believe is inaccurate. I request that you provide verification of the charge-off, including a detailed payment history and the original signed agreement. 

I demand that you send me the 1099 C for this account since they are reporting it as a total loss and it is illegal to report this when you have already declared it to the IRS as a total loss. 

If the information can not be verified, I request that this charge-off be removed from my credit file per the Fair Credit Reporting Act ( FCRA ). Please respond in writing within 30 days of receiving this letter. 
I Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OK

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 explanation
Consumer complaint received 2025-03-25 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

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 explanation
Consumer complaint received 2025-03-25 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: FL

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

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 2025-03-25 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: NC

Complaint narrative:
I have a XXXX XXXX on my Transunion report that I'm just seeing today. I have never had a XXXX XXXX card before.

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 2025-03-25 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: AZ

Complaint narrative:
I am writing to dispute the incorrect and derogatory information reported by Experian on my credit report regarding XXXX XXXX XXXX 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must delete disputed inaccurate information within four business days if it can not be verified. Experian has failed to act in accordance with this legal requirement, and the false entries remain on my report, severely impacting my creditworthiness and preventing me from purchasing a home. 

This failure to resolve inaccuracies violates Sections 605 ( b ), 607 ( b ), and 611 of the FCRA, which guarantee the accuracy of credit reports and protect consumers against harm from false reporting. I demand that Experian immediately remove all incorrect information regarding XXXX XXXX XXXX XXXX credit report and issue a revised report within four business days. 

Should this matter remain unresolved, I will consider legal action to enforce my rights and ensure compliance with federal regulations. 

Attached are relevant supporting documents for your review. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 2025-03-25 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: CA

Complaint narrative:
I have attached an FTC report containing 3 fraudulent accounts to be blocked removed under FCRA section 605B

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 2025-03-25 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: 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 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
Dear to whom it may concern. They are still reporting saying I owe XXXX and it is stopping me from moving into a place. I am requesting that this be removed from my credit report I was not treat fairly in my stay there I was living XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the apartment is why I had to leave I was not evicted please remove this .this is the letter I sent them.XXXX XXXXXXXX this has been the worst experience in my life .. its XXXXXXXX XXXX and its dirty my closet smells disgusting every time I open it.I have put air fresheners in there nothing has changed the smell is still there .I have been on the pest control list for months still havent received any serviceXXXX are coming out the vents, running into small cracks in the in the walls in the bathroom and kitchen.its XXXX  that come out my vent in my room. Ive saw XXXX XXXXXXXX in the tub I cant even sit down and eat without a XXXX runnning by. The hallway is disgusting trash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX above my door is all I see when I walk in. its still blood on the wall from when I asked them to clean it a month ago. The XXXX they cleaned out the vents is back more aggressively then it was the first time.I still dont have a air filter in my air conditioning and it has accumulated XXXXXXXX XXXX again on the wall in my room and dining room above the vent and is blowing dirty XXXX air I can not continue to live in this type of conditions. I pay for valet trash which sits outside for days. Before I end up taking it myself. neighbors set they trash out, cats come and destroy the bag and trash is left everywhere for days.. the biggest issue is the XXXX its unsafe I have been to the hospital twice in one month due to XXXX XXXXXXXX and XXXX XXXXXXXX this apartment is a safe haven for breeding XXXX and is unsafe.I am requesting to be let out of my lease so I can find a safer living condition and environment due to the fact that mold can not be stopped. I will be out of the apartment on XX/XX/year> if any questions please contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a mixed credit report. It was merged with a different woman XXXX years ago. They were unable to separate them then, but they did something that kept them accurate until recently. However, due to Experian 's automation, I am unable to get through automation because of the " mixed '' account. They send verification codes to the other person... I think. And good luck reaching a person. I have spent more than 30 hours estimated just trying to get through the prompts!!

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 2025-03-25 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
On XX/XX/XXXX an unauthorized charge was made on my Capital 1 XXXX by merchant : XXXX for {$340.00}. I missed this transaction in my statement review in XXXX. I brought it to Capital 1s attention on XX/XX/XXXX. I did not make this purchase and it is not in my buying habits to purchase merchandize club memberships. On XX/XX/XXXX, in less than 10 minutes, Capital 1 made a decision via email to deny my request because it " found the transaction to be valid. '' How would Capital 1 know this in such a short time? It does not appear they attempted to contact the merchant. This is obviously fraud because the merchant is not found on the internet and the toll free number XXXX is a non-working number. Also, I got a separate and contradictory email notice telling me the issue was resolved and indicated I would receive a credit for the disputed amount. I suspect Capital 1 used artificial intelligence to deny my claim. Capital 1 has a no fraud liability policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Dear TransUnion, I am writing to dispute the inaccuracies in the information TransUnion reported on my credit file related to XXXX XXXX. 

While your report reflects a payment status of Paid or paying as agreed with no delinquency, the balance you reported is {$6400.00}, which is incorrect. The correct balance should be {$6600.00} as supported by my statements from XXXX XXXX. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), any disputed, unverifiable, or inaccurate information must be corrected or removed within four business days. I demand an immediate investigation and correction of this error, along with an updated credit report. 

I have enclosed supporting documents, including my account statements, to assist in this process. 

Thank you for resolving this issue promptly. 

Sincerely, 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 2025-03-25 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 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. code 1692c, Furthermore, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), 1 15 U.S. Code 1666b, 15 U.S.C. code 1681a These are the accounts I have marked as inaccurate request deletion from all bureaus : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
So I applied for this card on XX/XX/year> and received it XX/XX/XXXX the day I got it I attempted one time to use it got restricted pending verification so I don't have a phone I can take pictures while having someone on it cause it's old and explained it so they asked to provide documentation I provided my id front and back and a utility bill or bank statement I sent both along with a credit card statement from another company with my same name and address on it still restricted I called several times to find out why the document is invalid cause it for sure is and they don't give no answer so now a payment is due on the account the yearly fee and something else and I pay it still owing a balance now today I get a call saying my information i sent wasn't sufficient and wouldn't give me a reason why or telle.what I did wrong they say you owe a balance now I feel like I just got robbed and they say it's only open to take a payment nothing else and this is a foul business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: PA

Complaint narrative:
Denefits llc is reporting false payment activities to keep false debt active to my credit bureaus. This predatory company and its harassing phone calls are reporting false payments on XXXX, XXXX, XXXX, and XXXX of XXXX as current. Also, reporting as of XXXX of XXXX, a current payment status with no decrease in overall balance to this situation. They have refused to to provide any proof of payment activities, how they supposed received payment or any chain of title. This company is operating on a fraud basis outside of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation