vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-04-01 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-01 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that is beyond the reporting limit under the Fair Credit Reporting Act ( FCRA ). According to my records, the following account should no longer be included on my credit report as it has exceeded the seven-year reporting period : Mercedes Benz Financial Services Account Number : XXXX Since this account is past the seven-year reporting limit, I request that it be removed from my credit report immediately. Please investigate this matter and update my file accordingly. 

I have attached a copy of my credit report with the account highlighted, as well as a copy of my identification for verification purposes. Please provide written confirmation once this issue has been resolved. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FORMAL DISPUTE OF INACCURATE DELINQUENT REPORTING XXXX XXXX XXXX XXXX LINE OF CREDIT This letter constitutes a formal dispute under the Fair Credit Reporting Act (

FCRA ), 15 U.S. Code 1681i, unlawful reporting of a late payment on my credit file associated with the above-referenced line of credit. The reported delinquency is factually incorrect, unverifiable, and in violation of multiple provisions of the FCRA. I am enclosing documented evidence of timely payments indisputably invalidating the derogatory entry. Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 1681i ( a ) ( 5 ) ( A ) Inaccurate data reporting. This inaccurate late payment is being reported without my permission, which directly violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. This derogatory entry is materially damaging to my credit profile and must be deleted 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 2025-04-01 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: AZ

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 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 2025-04-01 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:
Im reaching out because Ive noticed an account listed on my credit report that I do not recognize. This account is completely unknown to me, and Im concerned that my information may have been mixed with someone elses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: DC

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 2025-04-01 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: DC

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am disputing a debt placed for collection that is based on false information and misrepresentation by the original creditor and the collection agency. 

I paid {$3700.00} as a security deposit to XXXX XXXX XXXX / XXXX XXXX in 2022. After I moved out, I was never provided with any itemized breakdown of charges or a refund. The creditor later placed a collection on my credit, claiming I only paid an {$800.00} deposit, which is completely false. 

The collection agency claimed that a statement of deposit was sent to me and that I had access to a resident portal. However : I never received a legal statement with itemized deductions as required by law. 

Portal access does not meet the legal requirement for written notice. 

No refund was issued. 

I was never contacted by the creditor or the collector with proper notice of this debt. 

The collection agency also falsely stated that I failed to request validation or respond. This is untrue. I filed a prior CFPB complaint about this issue, but it was closed before I could upload proof. I am now resubmitting with documentation showing that I paid the full deposit, received no refund, and was not notified properly. 

I am requesting : A full investigation That this collection be removed from my credit report That the debt be voided due to false representation and failure to provide proper accounting or notice I have attached a copy of my lease and payment records as proof.

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 2025-04-01 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, 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 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am filing a formal complaint against Capital One XXXX for deceptive and unfair business practices regarding the handling of my credit account. Their actions have potentially violated federal consumer protection laws, including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Consumer Financial Protection Act ( CFPA ), and the Fair Credit Reporting Act ( FCRA ).

Summary of Issue After losing my job and being unemployed for 7 months, I contacted Capital One XXXX to discuss options for maintaining my account. I was assured by their representatives that : My account would not be closed as long as I enrolled in and completed their payment program. 

Once I completed the program, the restrictions on my card would be lifted, allowing me to continue using my account. 

In good faith, I followed their instructions and completed the program. However, after fulfilling my obligations, I was informed that Capital One had internally closed my account, directly contradicting their prior assurances. Representative XXXX confirmed that my account was closed internally and would not be reopened, despite my compliance with the agreed-upon terms. He stated that they closed my account inside, but to the Bureaus, they have it open. He had no explanation as to why this was not explained to me PRIOR. I have also attached the emails confirming the enrollments. Their website does NOT allow access to the plan details.

Violations of Consumer Protection Laws Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Capital One Neimans misleading statements regarding my account status may constitute a failure to provide clear and accurate terms of credit agreements, violating TILAs
transparency requirements.

Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666-1666j The FCBA, an amendment to TILA, protects consumers from unfair credit billing practices. By misrepresenting the terms of my account status and failing to honor their commitment, Capital One Neiman engaged in unfair billing and account handling practices. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reform and Consumer Protection Act, financial institutions can not engage in unfair, deceptive, or abusive acts or practices ( UDAAPs ). Capital One Neimans misrepresentation about my accounts status and restrictions constitutes a deceptive act, which is prohibited under the CFPA.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

If Capital One Neiman reported my account closure inaccurately or in a misleading manner, it may constitute a violation of FCRAs accuracy and fairness requirements for credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

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 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 2025-04-01 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: NC

Complaint narrative:
Im writing to address a serious issue with my credit report. It appears that an account has been mistakenly mixed with my information and belongs to someone else entirely. This is causing significant confusion, and I need this corrected 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 explanation
Consumer complaint received 2025-04-01 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 ) 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 2025-04-01 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted the company regarding a debt which I paid that same day and was told I would receive a letter that the debt was paid in full and would be deleted off my credit once the payment posted. I contacted them again a week later and was told that I wouldnt receive it until XXXX after the payment process. On XX/XX/XXXX I called again regarding the letter and was told that it was sent but to the wrong email so they resent the letter that the account was settled and paid in full but not that it would be deleted. I sent XXXX emails regarding this deletion and was told that I needed to call so I called today XX/XX/XXXX and the representative was extremely rude and told me that it wouldnt be deleted off my credit because I did t pay the full amount and settled I explained to her that numerous reps before her including a supervisor each stated I would but she kept yelling at me until I asked for a supervisor

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 2025-04-01 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts reported inaccurate : XXXX XXXX ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$8400.00}. I previously disputed this account, stating that it is incorrectly reported as a charged-off account with a balance due. Please provide proof of the charge-off or delete the negative payment status. I do not agree with the results of your investigation. I request documentation or removal of the negative information. XXXXXXXX XXXX XXXX Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$300.00}. I previously disputed this account, which is incorrectly reported as charged-off with a balance due. I request proof of the charge-off or deletion of the negative payment status. The results of your investigation are unsatisfactory, and I demand documentation or removal of the negative information. XXXXXXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$67.00}. I do not recall ever being late with a payment on this account. Please provide statements and records of all payments made and missed. I disagree with the investigation results and request either proof or removal of the negative information. XXXX XXXX XXXX Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$1200.00}. I have no contract with this debt collector. Please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it, or delete the account. I do not agree with the investigation results and request proper documentation or removal of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-01 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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