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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-01 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: NC

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: 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 2025-04-01 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: OH

Complaint narrative:
XXXX, experian was to respond back and i have not heard anything back for experian as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian AND XXXX Dear Sir/Madam, Subject : Dispute of Bankruptcy Information I am writing to dispute the following information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explain the specific error, This bankruptcy was filed under XXXX  XXXX, but the report incorrectly states WRONG AMOUNT, LATENESS NOT ACCURATE, AMOUNTS NOT ACCURATE, CONSUMER AND XXXX, WAS PAID IN FULL, or I have already discharged this bankruptcy through court order. I request you investigate this matter and verify the information with XXXX  XXXX, CASE NUMBER XXXX. 
Please get in touch with me at the above address or phone number if you require further information. BECAUSE SOMETHING IS NOT RIGHT ABOUT MY XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/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: 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A payment of {$4500.00} was made on XX/XX/year>. It was noted on XX/XX/year> that this payment was an overpayment of {$3000.00}. The payment was supposed to be {$1500.00}. Capital One was contacted on XX/XX/year>. 

Capital One website XXXX XXXX XXXX XXXX XXXX states, " Request a refund : Capital One will send you a refund within 7 business days of your in-person or written request. Note, your overpayment must be more than {$1.00} '' Written requests have been provided to Capital One on several occasions.

Capital One has violated their policies. They have effectively stolen my money, ( {$3000.00} )

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had tried to get Transunion to remove fraud inquiries from my report and they refuse. They are reporting to the CFPB that sent me a letter but I never get anything from them I want inquiries from XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX - XXXX and XX/XX/XXXX REMOVED. I have contacted the companies and they report that they have asked Transunion to remove these inquiries. Something has to be done about Transunion reporting these fraudulent inquiries after they know that they are fraudulent.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
the XXXX XXXX XXXX accounts that are listed need to be removed as soon as possible. i have provided a credit report with my Identity Theft letter. The reports shows that the accounts have been deleted from my experian credit report. i am looking to have the accounts removed from my transunion and equifax reports.

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: NC

Complaint narrative:
the XXXX XXXX XXXX accounts that are listed need to be removed as soon as possible. i have provided a credit report with my Identity Theft letter. The reports shows that the accounts have been deleted from my experian credit report. i am looking to have the accounts removed from my transunion and equifax reports.

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: TX

Complaint narrative:
I recently reviewed a copy of a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing a debt that was originally with XXXX and is now being reported by Jefferson Capital Systems. I became aware of this account while reviewing a tenant screening report through XXXX. I do not believe I owe this debt, and I requested validation from both XXXX and Jefferson Capital but never received a proper response. 

Despite my previous dispute efforts, this account continues to be reported on my credit file, negatively affecting me. I was not provided written notification or verification of the debt, and I have no signed agreement with Jefferson Capital. 

I am requesting a full investigation into the accuracy of this tradeline and asking for its removal if it can not be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice that I am disputing the validity of the alleged debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

I do not acknowledge this debt and demand that you provide complete and full validation of the following, as required by law : A full itemization and breakdown of the alleged debt, including the original amount, interest, fees, and any additional charges ( 15 U.S.C. 1692g ( a ) ( 1 ) ) ; The name and contact information of the original creditor and the exact charge-off date ( 15 U.S.C. 1692g ( a ) ( 2 ) ) ; A copy of the original signed contract or agreement that allegedly created this debt, bearing my signature ( 15 U.S.C. 1692g ( a ) ( 4 ) ) ; A complete chain of assignment and ownership, proving your legal right to collect this alleged debt, including all purchase or transfer agreements ( 15 U.S.C. 1692g ( a ) ( 4 ) ) ; Proof that this alleged debt is within the applicable statute of limitations for collection and legal action in [ Your State ] ( 15 U.S.C. 1692e ( 2 ) ( A ), 15 U.S.C. 1692f ( 1 ) ) ; Documentation showing that you have not and will not report any inaccurate or incomplete information related to this debt to any credit reporting agency ( 15 U.S.C. 1692e ( 8 ) ) ; A complete payment history and accounting records reflecting how the balance you claim was calculated.

Be advised, under 15 U.S.C. 1692c ( c ), I hereby demand that all collection activities cease immediately until you provide the full validation requested. This includes, but is not limited to, phone calls, emails, letters, or reporting to any consumer credit reporting agency.

Should you fail to provide the legally required verification within 30 calendar days of your receipt of this letter, I will consider the matter unresolved and will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General.

This is a formal exercise of my rights, and no further action may be taken against me regarding this alleged debt without full compliance with federal law.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Name, address and employment are all wrong my Experian report and I was told to change my information through you guys

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/year>2025, I sent a payment to Navy Federal Credit Union through XXXX Registered Mail, tracking number XXXX, for the amount of {$3500.00}. The payment was received by Navy Federal on XX/XX/scrub> 2025, as evidenced by the physical green return receipt obtained from XXXX under tracking # XXXX. 
Since XX/XX/year>2025, I have called Navy Federal on multiple occasions. During these calls, I formally placed Navy Federal on notice of the billing error, yet no corrective actions have been taken, and I continue to be billed inaccurately which is extremely harmful to my consumer credit health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/scrub> 2024, I sent an email out of concern for all of the different information I was receiving from the company 's representatives about the deferment program that was suggested to me by their representatives. I had an unexpected life situation take place and I called to see what my options were. My biggest concern in conversations and through email was my credit, because I did not want to do anything that would affect my credit. I called every week if not 2 times a week, speaking with supervisors and scheduling calls to make sure that this would not affect my credit. I was advised to get an email in writing just in case, so I emailed customer care and the person appointed to me about my concerns with the deferment affecting my credit. I was assured that it would not affect over the recorded voice line on each conversation and in writing.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against, transunion Equifax and Experian. Equifax sometimes accurately shows my correct payment history, for the inaccurate reporting of late payments on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. Despite my dispute and supporting documentation, the credit bureau has failed to correct or remove these inaccurate late payment entries. 

Background of the Dispute On XX/XX/XXXX and before that, I submitted a dispute to Transunion and Experian and Equifax, XXXX and XXXX XXXX  which was paid and closed and XXXX XXXX XXXX XXXX XXXX which incorrectly reports late payments. According to 15 U.S.C. 1666b, a payment is not legally considered late if received within 21 days of the due date, meaning these late payment entries should not have been reported. 

Additionally, under 15 U.S.C. 1681s-3, any data furnishers ( such as creditors or lenders ) who provide transactional or experience-based information to credit bureaus must ensure its accuracy. If they have reported incorrect late payments, the credit bureau has an obligation to verify and correct the error. 

Violations of Federal Law 1. Failure to Ensure Accuracy in Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain accurate consumer reports. The continued reporting of incorrect late payments violates this law. 
2. Failure to Verify and Correct Inaccurate Late Payments ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau is required to conduct a reasonable reinvestigation within 30 days of a dispute. I have yet to receive a valid correction.

3. Failure to Comply with Payment Timing Laws ( 15 U.S.C. 1666b ) If a payment is received within 21 days of the due date, it can not legally be reported as late.

4. Failure of Data Furnisher to Provide Accurate Transactional Information ( 15 U.S.C. 1681s-3 ) The creditor providing the late payment data has failed to ensure its accuracy, and the credit bureau has failed to correct it.

Requested Resolution To resolve this issue, I request the following actions from the CFPB : Immediate removal of the inaccurate late payments from my credit report.

Written confirmation that the errors have been corrected.

An investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. 

I have attached supporting documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. 

Thank you for your time and assistance. I look forward to your response and a resolution. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against, transunion Equifax and Experian. Equifax sometimes accurately shows my correct payment history, for the inaccurate reporting of late payments on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. Despite my dispute and supporting documentation, the credit bureau has failed to correct or remove these inaccurate late payment entries. 

Background of the Dispute On XX/XX/XXXX and before that, I submitted a dispute to Transunion and Experian and Equifax, XXXX and XXXX XXXX  which was paid and closed and XXXX XXXX XXXX XXXX XXXX which incorrectly reports late payments. According to 15 U.S.C. 1666b, a payment is not legally considered late if received within 21 days of the due date, meaning these late payment entries should not have been reported. 

Additionally, under 15 U.S.C. 1681s-3, any data furnishers ( such as creditors or lenders ) who provide transactional or experience-based information to credit bureaus must ensure its accuracy. If they have reported incorrect late payments, the credit bureau has an obligation to verify and correct the error. 

Violations of Federal Law 1. Failure to Ensure Accuracy in Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain accurate consumer reports. The continued reporting of incorrect late payments violates this law. 
2. Failure to Verify and Correct Inaccurate Late Payments ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau is required to conduct a reasonable reinvestigation within 30 days of a dispute. I have yet to receive a valid correction.

3. Failure to Comply with Payment Timing Laws ( 15 U.S.C. 1666b ) If a payment is received within 21 days of the due date, it can not legally be reported as late.

4. Failure of Data Furnisher to Provide Accurate Transactional Information ( 15 U.S.C. 1681s-3 ) The creditor providing the late payment data has failed to ensure its accuracy, and the credit bureau has failed to correct it.

Requested Resolution To resolve this issue, I request the following actions from the CFPB : Immediate removal of the inaccurate late payments from my credit report.

Written confirmation that the errors have been corrected.

An investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. 

I have attached supporting documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. 

Thank you for your time and assistance. I look forward to your response and a resolution. 

Sincerely, 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