vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information on my credit report that the credit bureaus have refused to correct. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute incorrect, incomplete, or fraudulent information. 
I previously disputed the following accounts with [ XXXX ] XXXX but they failed to properly investigate and remove the inaccurate information : Disputed Accounts : [ Credit First NA ] [ XXXX ] Issue : Incorrect balance, Late payments reported incorrectly. 
[ XXXX ] [ XXXX ] [ Issue : Incorrect balance, Late payments reported incorrectly. 
[ XXXX ] XXXX [ XXXX ] - [ Issue : Incorrect balance, Late payments reported incorrectly. 
Despite my request, the credit bureau has not provided sufficient proof of verification and has continued to report inaccurate information. This is a direct violation of FCRA 611, which requires a fair investigation within XXXX days. 
I am requesting that CFPB investigate this matter and take appropriate action to ensure the removal of inaccurate items from my credit report. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MA

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 2025-03-06 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: MA

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 non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
XX/XX/year> To : Equifax Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of an account by Innovis, one of the four major credit reporting agencies. I recently disputed a charge-o for {$2500.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MA

Complaint narrative:
The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that Im being held back by errors that should not be there.

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 2025-03-06 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'VE BEEN A VICTIM OF IDENTITY THEFT, THERES SOME ACCOUNTS HAS BEEN OPENED WITHOUT MY CONCENT AND THEY ARE AFFECTING MY REPORT SO BAD. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
For awhile I have been checking my reports straight from the bureau, which has shown my information to be correct. However I have since checked my reports on my XXXX app as well as My XXXX app, and it is showing my Equifax report has XXXX collections that does not show up on XXXX or straight from the Equifax site. And when I try to investigate what these collections are on XXXX, it does not show me, I have provided photos to better understand. These ghost collections are directly hurting my score. I would appreciate if we could get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

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 2025-03-06 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: GA

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 non-monetary relief
Consumer complaint received 2025-03-06 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: HI

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 explanation
Consumer complaint received 2025-03-06 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: HI

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I recently checked my credit reports as I'm in the middle of processing for a personal loan. I was shocked to see that American Express had filed a XXXX late on a credit card that had a {$0.00} balance as I never use it. 

I contacted American Express and they stated that it was the annual fee that was not paid and why they reported the late payment. I am disputing the reporting of this late payment for the following reasons : XXXX ) I was not sent any kind of statement in the mail or online stating that I had a balance. 

XXXX ) I did not receive any communication from them after I was late with the payment. In fact, I received NO communication from them at all. The only reason I knew of it was checking my credit reports. 

XXXX ) I have three American Express cards that have been opened for decades and this is the first and only late payment that was made. I would think that they would value their customers, especially during this time of economic uncertainty when so many consumers are drowning in credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SD

Complaint narrative:
Back in XXXX, I applied for a debt consolidation loan through my bank. This loan was suppose to pay off my private XXXX loan. My bank sent a letter with my private account info and XXXX written on the check but apparently sent to wrong servicer as it ended up at the federal service. The federal service cash and applied to my federal loan despite XXXX and my private account info written on check. I have made multiple calls and initially was told that it would be XXXX business days to refund and apply to the private. I waited that time and called again asking where the money went. After multiple calls each averaging XXXX hours to reach anyone, now they claim the initial refund was done incorrectly and now I have to wait additional XXXX business days. Ive reached out to Mohela multiple times but now they will not respond to emails. And now average wait times are up to XXXX hours to reach representatives. This is {$15000.00} dollars that XXXX paying interest on for the loan, paying a large payment for my private loan on top of that interest, and I still dont even know where this money has gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Credit Report Dispute Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report that I obtained from Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I request an immediate investigation into the following items that appear incorrect : Accounts in Dispute : XXXX. XXXX XXXX XXXX  ( Account Ending in XXXX and XXXX ) o These accounts are reported as charged-off, but I believe there are inaccuracies in the reporting of balances and payment history. 
o XXXX request verification of the accuracy of these accounts or their removal if they can not be verified. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as charged-off, yet I believe there may be incorrect late payment entries or balance misreporting. 
o Please provide evidence supporting these reports or correct/remove inaccurate data. 
XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as a collection account, and I do not recognize the validity of this debt. 
o Please verify its legitimacy or remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account was marked as charged-off and later transferred, but the details appear inconsistent. 
o XXXX request confirmation and correction of any misreported information. 
XXXX. Multiple Hard Inquiries o My credit report reflects XXXX hard inquiries, some of which I did not authorize. 
o Please remove any unauthorized inquiries per the FCRA. 
Request for Action : Please investigate and verify these items with the original creditors.

If the disputed information can not be verified within 30 days, I request that it be removed from my credit file as required by the FCRA. 
I request a written confirmation of the results of this investigation, including any updates made to my credit report. 
I have attached a copy of my credit report with the disputed items highlighted for reference. 
Additionally, I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Please address this matter promptly. If you require further information, you may contact me at the email or phone number listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
Using name, address, date of birth, driver license all for financial gain. Trying to collect the debt that is not due, that they have created themselves. I think this company is committing extortion. It looked like some type of Ponzi scheme.

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 2025-03-06 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

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: 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IN

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 2025-03-06 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 XXXXXX/XX/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