vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I refinanced my home loan with a new company. The title company paid off the payoff amount that XXXX XXXX said was the payoff amount. This occurred in/around XX/XX/year>. In XXXX I received a late mortgage payment from XXXX ( XXXX ). I called and said I had a new loan. They were unable to verify it. I then received approximately 10 different bills from XXXX in various amounts from approx {$1000.00} to {$3600.00} dollars. I have called no less than 8 times trying to find out what is going on. My current loan company called and couldn't get info. In XXXX, XXXX apparently issued a delinquent or late payment on my credit report. Again I called and was told they would figure it out and get back to me. My current lender doesn't feel that I owe anything, but can't tell me why they are still claiming I owe money. 
I have documents to add from XXXX and from my new lender. If I owe something, why can't they tell me what is owed and allow me to verify that amount with my new lender?

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 2025-03-07 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: GA

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 non-monetary relief
Consumer complaint received 2025-03-07 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 ) 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: LA

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : JEFFERSON CAPITAL SYSTEM under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). 
I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. 

The presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. 

I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX. Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with TRANSUNION through Certified Mail.

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 2025-03-07 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: SC

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-07 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank mailed a debit card to me at the wrong address and changed my phone number so I wasnt getting fraud alerts. XXXX was stolen from my account and now the account is XXXX and they are trying to recover that money as well. 

They are refusing to give my money back that I was frauded out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NCB Management Services Inc.
State: IA

Complaint narrative:
My car was repossessed in XXXX, the loan was from XXXX. I received notice XXXX, XXXX that I was being sued by NCB XXXX XXXX re : said loan. I immediately called and tried to make a payment plan, they refused stating I need XXXX to make any payment. I dont have that. They attempted to garnish my wages last year but I didnt make enough money. I have emailed them since with no response. I again tried to contact them today, NCB had me call XXXX XXXX as they had no info. I called and they asked me to call XXXX law firm re : loan. They then told me at the law firm that they refused any payment plan from me and I had to have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : COLUMBIA BEBT RECOVERY under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). 

I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. 

The presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. 

I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : Sunrise Credit Services : 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 2025-03-07 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: NC

Complaint narrative:
I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 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 explanation
Consumer complaint received 2025-03-07 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
PLEASE REMOVE/DELETE/BLOCK FRAUDELENT ACCOUNT IMMEDIATELY ACCORDING TO FRCA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: UPGRADE, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( XXXX  ) and the Fair Credit Reporting Act ( XXXX  ), I request that you provide verification of these debts, including : XXXX. The original account information and proof of the debt. 
XXXX. The amount owed and a breakdown of the charges. 
XXXXDocumentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate. 
If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
XXXX financial -reporting 2 months late- FICO report says all payments are up to date. 
XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
XXXX -XXXX  funding- lists 2 months back-to-back 90 days late. 
XXXX marked 30 days late, but also says all payments made and in good standing. 
XXXX XXXX says 120 days late but shows in good standing. 
XXXX shows balance on closed and {$0.00} due, also XXXX XXXX late payments back-to-back. 
XXXX -XXXX  funding - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
XXXX bank- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXX bank trust norw- never had an account with this bank, XXXX payments behind. 
XXXX. First premiere- reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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