vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am writing to formally request the removal of a collection account from my credit report that is currently being reported by XXXX XXXX # XXXX. I am unaware of this account and have not had the opportunity to dispute this account. Proper account number was not provided when researching this collection. If you believe you have sent proper notification, and information regarding this account, please provide certified mail with receipt, displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I have reached out to XXXX they can not provide me proof of purchase. A new third party also could not provide acknowledgment of this amount. The company is XXXX XXXX XXXX XXXX, MN XXXX and they also could not provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DE

Complaint narrative:
I am a victim of the equifax data breach. I reviewed my consumer report and there fraudulent accounts, addresses, inquiries, employers and names listed that I did not authorize. These accounts are false. My identity has been compromised as a result of the equifax data breach. 

I have enclosed : Identity verification Notarized Affidavit of Identity Proof Of Address Dispute Letter FTC Report # XXXX Proof of XXXX XXXX XXXXXXXX

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 2025-05-21 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-21 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:
I am disputing a late payment ( 30 days past due ) reported by XXXX XXXX on my credit report. The derogatory mark appears to be factually inaccurate based on my own records. I reviewed the full payment history and did not find evidence supporting the claim that I was late for the billing cycle in question. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 609 ( c ) ( 2 ) ( E ). I requested a reinvestigation and correction or deletion of this item in accordance with Metro 2 compliance guidelines.

I also requested that the credit bureaus apply Metro 2 dispute coding : Compliance Condition Code XXXX XXXX XXXX  consumer disputes account directly ) Verification of the Date of First Delinquency ( Field XXXX ) Consumer Information Indicator ( Field XXXX ) : Properly mark as " under investigation '' As of today, I have not received a resolution or sufficient verification from the data furnisher. If the item can not be verified within the legally required timeframe, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am disputing a late payment ( 30 days past due ) reported by XXXX XXXX on my credit report. The derogatory mark appears to be factually inaccurate based on my own records. I reviewed the full payment history and did not find evidence supporting the claim that I was late for the billing cycle in question. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 609 ( c ) ( 2 ) ( E ). I requested a reinvestigation and correction or deletion of this item in accordance with Metro 2 compliance guidelines.

I also requested that the credit bureaus apply Metro 2 dispute coding : Compliance Condition Code XXXX XXXX XXXX  consumer disputes account directly ) Verification of the Date of First Delinquency ( Field XXXX ) Consumer Information Indicator ( Field XXXX ) : Properly mark as " under investigation '' As of today, I have not received a resolution or sufficient verification from the data furnisher. If the item can not be verified within the legally required timeframe, it must be deleted from my 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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not owe this debt as I had filed a claim with the XXXX against XXXX. They were providing me spotting service in XXXX XXXX XXXX and it was causing me issues at work. I settled with them by mailing the headset back in order to terminate the contract. I do not owe this debt and want it removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-21 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 disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-21 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark 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 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: MS

Complaint narrative:
They have provided false information all the way through. Even lied to the cfpd by stating " Additionally, as a matter of courtesy, we will submit a request to have this removed from your credit report. '' They did not remove the item from my credit report but rather reported it as a " paid collection '' causing additional harm to my credit file. I do have the reports as evidence. This is continued abuse. They have also violated several XXXX laws which is being addressed by being in possession of a file containing personal medical procedures, mailing those records un-securely by XXXX, many violations. There is evidence of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I'm reaching out because the personal information listed on my credit report is incorrect and it's causing unnecessary issues with my credit applications. This has been frustrating and needs to be resolved immediately.

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 2025-05-21 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple inquiries and XXXX account that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent account is : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are several unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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: LA

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On or around XX/XX/XXXX I received an unsolicited XXXX XXXX in the mail. I first thought it was an unsolicited offer from XXXX and I ignored it. On XX/XX/XXXX XXXX XXXX alerted me to a new credit account on my credit reports ; this XXXX XXXX  which was opened XX/XX/XXXX. I did not open this account, nor did I authorize it to be opened. It was opened fraudulently. I promptly called XXXX and cancelled the card, for which i have received written confirmation. I would like this account expunged from my credit report, which i am tracking based on XXXX 's written response, confirming closure and associated credit reporting. 

On XX/XX/XXXX I was again notified by XXXX XXXX that a second credit account was opened XX/XX/XXXX and reported on my credit report, this time a Capital One card ending in XXXX. Unlike the XXXX XXXX, i have not received an actual card. This account is also not requested by me, nor authorized by me. It is also fraudulent. I called Capital One on XX/XX/XXXX, and after being on the phone with them for nearly XXXX hours, they were not able to confirm the fraudulent account, or close it. The problem is that the new card was opened using my SSN, but the account identifying information such as DOB and address are not mine. Therefore they can not verify the account owner and are unable to close it. The account is currently being reported on my credit report and i am powerless to take any action. Capital One was no help. I also tried contacting the credit reporting agencies and have active disputes with XXXX for the account and associated hard inquiry ( which was verified as having been performed and will stay on my credit report for XXXX  years! It was performed, fraudulently ). I was told to let the dispute finalize and the account will be disassociated with me. I have little confidence that this will occur in my favor based on XXXX XXXX response to my hard inquiry dispute ( it happened, therefore it stays ) and Capital One 's inability to do anything useful. 

I find it incredibly frustrating that Capital One had sufficient, albeit fraudulent, information to open my account, without verifying any information with me ( and I have an existing account with them! ) Yet they now claim they don't have sufficient matching personal information to access or close the account. I do not want this account or associated hard inquiry on my credit report. They are not mine. I did not authorized them. 

On XX/XX/XXXX i placed a freeze on my credit report with XXXX XXXX XXXX XXXX to prevent further unauthorized account creation. 

Since neither Capital One nor XXXX  were of any help, I am reaching out to CFPB for assistance to resolve this matter. Can you please help? I am happy to discuss more if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland credit management {$900.00} XX/XX/XXXX XXXX they are trying to send my account to the authorities for a debt that is not mine. I do I did not have access to this account. Also, I could not log into this account. I do feel like I was like someone stole my identity. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-21 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: FL

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