vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of inaccurate personal information and fraudulent inquiries from my credit reports. This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and the Gramm-Leach-Bliley Act ( GLBA ). 
During a recent review of my credit reports ( XX/XX/year> ), I noticed multiple inaccuracies that must be corrected 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT XX/XX/XXXX. I SAW SOME HARD INQUIRIES THAT DID NOT HAVE PERMISSIBLE PUPORSE XXXX : XXXX XXXX AS XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 2 : XXXX  XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 3 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 4 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 5 : XXXX XXXX XXXX  XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 6 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 7 : XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 8 : XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 9 : XXXX XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 10 : XXXX XXXX XXXX  XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 11 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 12 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 13 : XXXX XXXX XXXX  XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 14 : XXXX XXXX XXXX  XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 15 : US DEPARTMENT OF EDU XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B

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

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, I contacted Laser Away for some minor hair removal. When I spoke with their representative, she explained that I would be getting a line of credit that I would pay as my appointments happened monthly, and that there would be no accrued interest if I completed the treatments and payments as scheduled. From my understanding, my line of credit was with Comenity Bank. This is not something I normally do, and there was almost zero paperwork provided to me at the time of entering the contract. 

My first appointment on XX/XX/XXXX went fine and I made the payment via phone. I could not pay online like I do all my other bills, because I had not yet received the Comenity " credit card '' associated with my line of credit and it was required in order to establish an online account with Comenity. I was able to make a payment by phone. 

My second appointment, XXXX weeks following the first, was scheduled for XX/XX/XXXX but was cancelled by Laser Away because of a lack of personnel on site that day, and I couldn't be immediately rescheduled because I was having a surgical procedure on XXXX and would be unavailable. I still made the payment by phone, despite not receiving the service, as I still had not yet received the credit card. 

I attempted to call Comenity Bank dozens of times after this, to see what I could do about cancelling this line of credit -- -I did not like the way Laser Away sold me this plan, nor did I like their inability to keep the appointments, and I wanted out of the contract. I was honestly willing to pay off the line of credit over time, even if I was not receiving the treatment, but wanted to be able to access and manage my account virtually. Each time I called Comenity, I get a dial tone/fax machine sounding clicking and I could never reach a human being. 

I have tried to chat with their virtual assistant online, most recently today, but it only provides me with the same number I have been trying to call, or the secure messaging center. I can not reach anyone on the phone and the secure messaging center requires an online account -- -which I can not access because I have never been sent my card. I continue to receive bills from Comenity and I am past due and they've destroyed my credit.

At this point I just want the situation resolved. I want to speak with a human being at Comenity and I will happily resolve my balance and try to put this in my rear view mirror. It's going to continue to haunt me until this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Help Financial, LLC
State: PA

Complaint narrative:
There are many inquires from XX/XX/year> on my credit report from a car dealership who told me that I was going to just be pre-qualified with no hit on my credit report

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

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XX/XX/year> I finance a XXXX XXXX!! 

I have contacted equifax numerous times about my autoloan not being on my credit report!! 

On XXXX XXXX I sent equifax a verification letter from XXXX XXXX  showing my autoloan status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

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

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

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 non-monetary relief
Consumer complaint received 2025-05-05 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 repeatedly informed Transunion of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-05 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, 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 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 2025-05-05 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 ( 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 2025-05-05 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 ( 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 2025-05-05 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: OK

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 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 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Aldridge/Pite/Haan have continued to file debt owed that was already resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX, MI XXXX RE : Cease and Desist Notice & Dispute of Alleged Debt To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby demand that XXXX XXXX XXXX immediately cease and desist all forms of communication with me concerning any alleged debt. 
Be advised that reporting to any credit bureau ( Equifax, Experian, TransUnion, etc. ) constitutes a form of communication under 15 U.S.C. 1692a ( 2 ) and 1692c ( c ). Therefore, you are required to cease reporting or updating any tradelines related to this alleged debt as doing so would violate this cease and desist order.

Furthermore, under 15 U.S.C. 1692g ( b ), if you claim this debt is valid, you must cease all collection activitiesincluding credit reportinguntil you have provided proper validation of the debt. To date, I have not received legally sufficient validation or verification of this account.

If you have reported this debt to any credit reporting agency, you are also obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) to report it as disputed.

Failure to comply with this cease and desist request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general, as well as potential legal action for violations of federal law. 
This is your final notice. Cease all communication and collection efforts immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I discovered that my credit report contains incorrect accounts, and Im unsure how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser in case it was a technical issue, but the inaccurate entries remained. Given this problem, Im requesting a thorough review of the documents Ive submitted to ensure I wont have to worry about this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am attempting to add my debt from XXXX XXXX Bank XXXX XXXX existing debt consolidation program I already have with XXXX because XXXX was struggling to keep up with the minimum payments. Care Credit has extremely high interest rates and finance charges, even when you are not using the card. Currently, I owe Care Credit MORE than my initial charge. I have used the card only once and have never used it again. The minimum payment kept getting higher and higher, making it hard for me to pay. I contacted XXXX to add the debt to my plan, and they agreed. However, Care Credit continuously rejects their proposed payments, asking for more money that I can not afford to pay. Despite this, they are still receiving monthly payments through XXXX. Even thought they are receiving money monthly, they call me regularly, and email me almost every single weekday, sometimes twice a day. These calls/emails have increased since being added to my debt consolidation plan. It is my understanding that this is a violation of the law. I do have a record of the emails ; I only have a record of some phone calls because I had to block them due to excessive calls early in the morning and late in the evening, outside of business hours.

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 2025-05-05 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: MS

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-05 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: MD

Complaint narrative:
I am writing in response to your collection that has been added to my credit report, regarding the alleged debt you claim I owe. 
This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting that you provide full and complete validation of the alleged debt. Specifically, please provide : The original signed agreement or contract creating the debt A complete itemized accounting of the debt, showing al charges, payments and credits Documentation showing your legal authority to collect on this debt The name and address of the original creditor Proof that the statue of limitation for collecting this debt has not expired An agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo Identification ( i.e. drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of the incurring this debt. 
Until you provide all requested validation, I respectfully request that you cease all collection activities, including reporting or continuing to report this debt to nay credit reporting agency, as required under 15 U.S.C 1692g ( b ). 
Be advised that any failure to properly validate this debt or any continued collection activity without validation will constitute a violation of the FDCPA. 
Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to the address listed above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation