vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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, 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 2025-04-17 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX was due XX/XX/XXXX. The company called me. I told them last week that I was gon na pay on Wednesday, which is XXXX XXXX. I received XXXX anonymous calls today from a lady with a bad attitude telling me that if I dont pay my loan today that shes gon na run my credit just to bring my score down until I make my payment. I explained to her that XXXX not even a month late and she said she doesnt care that shes gon na run my credit put a note on my house and keep constantly calling me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-17 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently acquired a copy of my credit report and saw a few disconcerting items in the personal information section that shows several incorrect jobs and addresses, misspelled names and phone numbers that no longer relevant or are not my most recent address. I am specifically requesting that my credit report reflect only one name and one address, my current and correct legal name and residential address as listed Please kindly update this information.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently acquired a copy of my credit report and saw a few disconcerting items in the personal information section that shows several incorrect and irrelevant addresses, misspelled names and a phone numbers that no longer relevant and/or are not my most recent address. I am specifically requesting that my credit report reflect only XXXX name and XXXX address, my current and correct legal name and residential address as listed Please kindly update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XX/XX/year> \Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion I hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process on, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer. 
Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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
Consumer complaint received 2025-04-17 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: NV

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 2025-04-17 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 recently checked my report on Experian & after I checked my report I noticed five accounts I have no knowledge of thses accounts so it is identity theft if not its an error on your end & I want these items removed from my credit report .This is an unlawful act according to fcra FCRA 605B Blocking Fraudulent Information so I will take you to ligitation if this further continues to report! I will list these accounts below as well give a copy of my ftc 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

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 2025-04-17 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 recently checked my report on Experian & after I checked my report I noticed five accounts I have no knowledge of thses accounts so it is identity theft if not its an error on your end & I want these items removed from my credit report .This is an unlawful act according to fcra FCRA 605B Blocking Fraudulent Information so I will take you to ligitation if this further continues to report! I will list these accounts below as well give a copy of my ftc 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VT

Complaint narrative:
Both Discover Card and XXXX credit cards CLOSED my accounts with no communications! Discover card was a {$10000.00} limit with a XXXX balance! XXXX was at a XXXX balance, and had it over 20 years! BOTH companies closed my account with no communications! Which DESTROYED my credit, flipping my utilization upside down, and eliminating some of the longest tenure accounts from my credit file.

This is a super broken system, and there is absolutely nothing I can do about it. Now with a credit score so much lower, Im going to hav it pay high interest rates, and in some cases deposits on new purchases. There is no help as a consumer, now way to reverse this mess, Im simply a victim that just shouldve known better. Which just isnt right. To be penalized for having credit accounts actually paid off with a XXXX balance, closed for inactivity for a period of time? Why not at least an email? Automated message? Phone call?

OF COURSE when you owe them money, you get ALL sorts of communications. But not regarding this? Its criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft. As a result, fraudulent accounts and/or transactions have been made in my name without my knowledge or consent. These debts are not my responsibility, and I am requesting their immediate removal from my records.

Please consider this letter a formal dispute of any and all fraudulent debts and accounts listed under my name. I did not authorize these charges or open these accounts, and I request that you : 1. Remove the fraudulent debts and charges from my account ( s ).

2. Cease any collection activity related to these fraudulent items.

3. Confirm in writing that you have removed the debts from your records and credit reporting. 
XXXX. Provide any documentation related to the debts, such as applications, transaction records, and any communication associated with the account. 

In support of my claim, I have enclosed the following documents : A copy of my government-issued photo ID A completed FTC Identity Theft Report Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am entitled to have inaccurate information removed from my credit file. I expect your cooperation in resolving this matter quickly and in accordance with federal law. 

Please confirm in writing that these fraudulent debts have been removed and that my name and credit will no longer be associated with them. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a personal credit card with Bank of America where I collect cash reward points. On XX/XX/XXXX, BofA closed this credit card without informing me. I found out on XX/XX/XXXX when a charge was declined. I called the phone number on the card and was told a letter will be mailed to me telling me the account is closed. The representative informed me the BofA Risk department made this decision, and they never give a reason why they close an account. Per BofA policy, once an account is closed for any reason, all reward points are forfeited. I never had a late payment. I never went over the limit. I paid my card off in full every month. I was not given any kind of warning my card would be closed.

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 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
Went up to Simmons bank and got pre approved for XXXX told the loan officer we were doing trade in and that we would be upside down on the car, spent an entire day signing paperwork and doing everything we need to do. Was also in contact with the loan officer all day and she is saying everything is good. Sent bill of sale and everything told us it was good, when we went to the bank to actually get the check they told us the loan dropped from XXXX to XXXX and that we would have to cover the XXXX roll over. This was after we signed all paperwork and drove the car off the lot to get the check to pay them. Now they are saying we cant get a loan for the XXXX thats left and have offered no solutions. They basically told us there is nothing they can do and washed their hands with the situation

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 2025-04-17 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: PA

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, PA XXXX. 

Thanks, Items in Need of Deletion : Collections/ Charge offs 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$5900.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$5800.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1600.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXXAccount name : XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXXAccount name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX.Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1500.00} XXXXAccount name : XXXX XXXX Auto Account opened : XX/XX/XXXX Amount owed : {$8600.00} XXXX.Account name : XXXX  XXXX Account opened : XX/XX/XXXX Amount owed : {$810.00} Inquiries Account name : XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/XXXX Account name : XXXX  Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX Account Opened : XX/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