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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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: 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 2025-03-07 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: MS

Complaint narrative:
I am disputing inaccurate and inconsistent information reported on my credit report by XXXX XXXX XXXX. The errors are affecting my credit profile and need immediate correction. 

Details of the Errors : 1. Balance Discrepancies Across Credit Bureaus : Equifax reports a current balance of {$430.00}.

TransUnion reports a current balance of {$540.00}.

Experian reports a current balance of {$430.00}.

The Fair Credit Reporting Act ( FCRA ) requires that all information be accurate and consistent across bureaus.

2. Incorrect Original Lender Information : Equifax lists the original lender as XXXX XXXX XXXX. 
TransUnion lists the original lender as XXXX XXXX XXXX XXXX  XXXX, which appears to be an error. 
Experian lists XXXX XXXX XXXX  XXXX as the original lender. 
XXXX XXXX XXXX is a debt buyer, not the original lender. The original lender should be properly identified. 
3. Inconsistent Account Numbers Across Credit Bureaus : Equifax and TransUnion list an account number ending in XXXX. 
Experian lists an account number starting with XXXX. 
This inconsistency suggests potential misreporting or a mixed account issue. 
4. Unverified Debt and Potential Re-Aging : The date assigned is reported as XX/XX/year> across all bureaus. 
If this account was previously delinquent and re-aged to appear newer, this is a violation of the FCRA. 
XXXX XXXX XXXX has not provided debt validation to prove the debt is valid or that I am responsible for it. 

Actions Taken : I have disputed this information with the credit bureaus, but no corrections have been made. 
I have requested debt validation from XXXX XXXX XXXX, but they have not provided proof that this debt belongs to me.

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: Experian Information Solutions 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 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:
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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: RI

Complaint narrative:
XX/XX/XXXX I called XXXX XXXX XXXX XXXX to bring my account current. I made a large payment of {$480.00}. The representative said the account was current and I could continue making payments 0 balance was now {$510.00}. That same day TD retail card services charged off my account. I requested a call back from a supervisor in XXXX and disputed the charge off. No one called me back. CHarge off was " reversed '' XX/XX/XXXX. My credit report still shows a charge off as well as no p [ ayment made for XX/XX/XXXX. Called XXXX XXXX XXXX XXXX  XX/XX/XXXX and was on the phone for hours getting re routed. No one could figure out how I could speak to a supervisor, make a payment and/or get the charge off taken off my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good afternoon, I am reaching out because I have had a really challenging time with Capital One recently when attempting to redeem rewards. Here is the background On XX/XX/XXXX, I went online to request to redeem rewards ( I believe it was XXXX miles ) for a {$100.00} XXXX gift card. I never received the gift card. I made five calls to Captial One regarding this issue with no resolution. In fact, I heard different things from each person I spoke with. 

The first call was on XX/XX/XXXX and I was told the card was sent to me. I checked all email and spam and confirmed I did not receive it. I was told they would investigate and have a resolution within 12-14 business days. I called again on XX/XX/XXXX and was told I needed to call a third part- XXXX XXXX XXXX. They told me they would also investigate, and they gave me a reference number XXXX. I called Capital One on XX/XX/XXXX and they created another case XXXX and said this would be resolved by issuing another card. I called on XX/XX/XXXX and was given another case number XXXX. At that point, I just asked for the miles to be given back. On XX/XX/XXXX, I received a secure email from Capital One saying there was information regarding this issue and I should call them. I called today XX/XX/XXXX. Spoke with another person who said we sent your card via email on XX/XX/XXXX. 

I would like to have the miles returned or received the gift card.

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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2400.00} XXXX  XXXX - Opened XX/XX/XXXX with a balance of {$770.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX - Opened with a balance of {$1700.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2000.00} There are also unauthorized fraudulent inquiries that i do not recognize with : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - On XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 LOOK ON MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCOUNTS WHICH TRANSUNION AND XXXX ALONG WITH XXXX XXXX  XXXX KEEP REINSERTING WITHOUT NOTICE WHICH IS A VIOLATION AND I DEMAND PROOF THIS FRAUDULENT ACCOUNT SHOULD BE RE-INSERTED.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOOK ON MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCOUNTS WHICH XXXX AND EQUIFAX ALONG WITH XXXX XXXX  XXXX KEEP REINSERTING WITHOUT NOTICE WHICH IS A VIOLATION AND I DEMAND PROOF THIS FRAUDULENT ACCOUNT SHOULD BE RE-INSERTED.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMO BANK NATIONAL ASSOCIATION
State: WY

Complaint narrative:
I am a client with Consumer Credit Counseling Foundation for the last 2 years. Have had automatic payments being withdrawn the entire time. BMO reports the last payment they have received is in XX/XX/XXXX. XXXX reports that they made a payment XX/XX/XXXX and payment was returned to them with no reason as to why. BMO has no record of this. XXXX sends payment of {$68.00} of XX/XX/XXXX with check id and BMO hasnt received it. XXXX has confirmed this payment has cleared and processed. Again XXXX sends payment of {$130.00} on XX/XX/XXXX with check id. This payment was to make the account current from the returned payment in XXXX. Again XXXX hasnt received it. This payment is currently still processing. Because of the delinquency on the account I made a lump payment of XXXX on XX/XX/XXXX to being the account current and at a {$0.00} balance. Neither side is willing to help find where the missing payment has gone, and in turn my credit has suffered and {$200.00} is just lost. Every time I have contacted each side ( multiple times each side ) they both send me back to the other side because no one can figure out where my payments have gone. They have processed out of my bank acccont, I show I am in good standing on the XXXX side. I am happy to provide anymore information I can in regards to this issue.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section to diminish speculation my information is a follow.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I asked for a loan modification back in XXXX of XXXX I didn't hear anything back from him and then here in XXXX I got a notice that they were going to default on a modification that I did not sign or know about and now they're trying to get me to foreclosed and I did not know that they gave me a modification because I didn't sign anything that I did not know anything and I did explain that to them over the phone she's saying I missed it and I didn't know about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When applying for my Card, I had to supply documentation for me to receive the capital one venture card after receiving the card. I had to do multiple verifications via telephone to get the card activated then I use the card for a month used it to its maximum limit, which is {$500.00} I charged {$430.00} and paid it in full via my personal bank account. Also attached to other accounts for payment if need be, Ive proven my identity above and beyond, and was told that my card has been restricted without warning due to me having to verify that I am the person That ordered the Capital One venture card Historical events can show that I have identify myself above and beyond then I was transferred to another agent to tell me now its really my income that is one thing to be verified so first my card was restricted due to identity issues to make sure if I was the one that ordered the card then it became they want to verify my income to verify that its me which sounds absurd to me. I dont know how Income can verify identity better than me giving you my personal bank account, which has been debited already. please help help me. This is a disgusting trend.

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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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