vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 2025-05-13 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: MO

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 2025-05-13 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: MO

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
The dispute is about a customer who requested a refund of {$600.00} for a purchase made via afterpay on the square platform. I agreed with the details of the customers dispute and agreed to a refund and square then restricted my ability to process payments, refund customers and settle the dispute reasonably. I learned that XXXX and Square are own by the same company and for this reason they are not processing the refund to the customer and caused my business to take a severe decline. I have evidence to support facts stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I asked why the las reported payment registered is XX/XX/year>. I also asked why I'm not allowed to make additional payment amounts on my loan. If I make Additional payments, they lower amount due on next scheduled payment.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information on my credit report is incorrect, and its directly interfering with my ability to get approved for credit. This has caused unnecessary stress and delays, and it's frustrating to keep getting denied over details that dont even accurately reflect who I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-13 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: GA

Complaint narrative:
I previously disputed this charged-off account through the CFPB portal under complaint ID # [ insert your original ID if you want or leave out ]. Despite the dispute, this account remains listed negatively on both XXXX  and TransUnion, with a past due balance of {$350.00} and a status of charged-off. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), furnishers and bureaus are required to maintain maximum possible accuracy. If a consumer disputes a tradeline and no verifiable documentation is provided by the furnisher, the tradeline must be removed. 

Additionally, under 15 U.S.C. 1681c and 1681i, continued reporting without proper reinvestigation violates my right to accuracy and due process. 

I have not received proof of a valid debt, contract, or authorization for this accounts continued 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 2025-05-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MO

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 2025-05-13 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: NY

Complaint narrative:
During my incarceration, several fraudulent accounts were unlawfully opened in my name without my authorization. Upon reviewing my credit report, I discovered multiple unauthorized accounts, including those with XXXX XXXX XXXX ( opened XX/XX/XXXX, balance : {$12000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance : {$7200.00} ), and XXXX XXXX ( opened XX/XX/XXXX, balance : {$31000.00} ), among others. These accounts could not have been opened by me, as I was incarcerated at the time. 
Since identifying the fraudulent activity, I have submitted formal disputes to the credit bureaus, requesting the removal of the unauthorized accounts. I have also provided documentation verifying my incarceration during the time these accounts were opened. Despite my efforts, the fraudulent accounts remain on my credit report, negatively impacting my financial standing. I am requesting immediate investigation and removal of these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-13 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:
My name is XXXX XXXX, and I am writing to file a formal complaint against Equifax for its failure to investigate and correct an inaccurate late payment on my credit report, related to a XXXXXXXX XXXX XXXX account. 

An alleged late payment is being reported on my Equifax credit file, which I firmly believe is inaccurate. I never missed a payment on this account, and I have taken multiple steps to dispute this error. To date, I have sent seven written dispute letters to Equifax, starting in XX/XX/XXXX, each providing evidence that this late payment is invalid. 

Here are the dates I mailed each dispute letter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these repeated efforts, I have only received responses to the first two letters. The last five disputes have gone completely unanswered, and I have not been informed whether any investigation was conducted. If one was, I was never contacted or updated about the outcome, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

This unresolved reporting error has directly harmed my financial well-being. I recently applied for an auto loan, and due to the false late payment, I was forced to accept a significantly higher interest rate than I would have otherwise qualified for. This has cost me hundredspotentially thousandsof dollars in additional interest over the life of the loan.

I am respectfully requesting the following : That Equifax fully investigate this dispute in compliance with the FCRA.

That Equifax remove the inaccurate late payment from my credit report.

That I be provided with written confirmation of the results of the investigation and any actions taken.

I have kept records of every dispute letter sent and can provide documentation upon request. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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, 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 2025-05-13 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: HI

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 2025-05-13 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: NC

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Central Research Inc
State: OK

Complaint narrative:
Around XX/XX/year> my student loan was transferred to another debt company by the name of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: MD

Complaint narrative:
I previously issued a complaint. Company never verified the debt. Company did not send proof of debt. Company did not contact by mail or provide statutory right to contest the validity of the debt. Company only sent email. Email is not a permitted form of communication as per CFPB policy, Company did not contact or give a chance to respond before submitting to credit bureau. Debt is invalid. Account was closed with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sold my student-loan account ( originally in good standing ) to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Asset then XXXX it to Transworld Systems, Inc . I never authorized any sale of my personal dataincluding my Social Security number, educational records, and home addressand each transfer was never disclosed to me in writing as required by the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Gramm-Leach-Bliley Acts Privacy Rule ( 16 C.F.R. Part 313 ). 

I first disputed this debt on XX/XX/XXXX via the CFPB portal Complaint # [ CFPB # XXXX ) and by sending certified dispute letters under FDCPA 809 and FCRA 611 to Transworld, U.S. Asset XXXX and XXXX XXXX XXXX Transworld responded on XX/XX/XXXX by closing with explanation, but did not provide the original signed contract, chain-of-title documentation, or an itemized accountingnor did they confirm whether any sale of my nonpublic information complied with GLBA. 

This account is also time-barred under South Carolinas three-year statute of limitations for written contracts ( S.C. Code 15-3-530 ) . Despite Section 605 ( c ) of the FCRA, they continue furnishing this debt, causing derogatory tradelines on my Equifax and Experian reports ( TransUnion has since removed it ). Because of these inaccurate tradelines, Ive been denied housing applications and auto loans essential for my employment, resulting in actual damages ( lost housing, lost transportation ) and severe emotional distress. Transworld has also contacted third party individuals trying to collect on a date which has past the date of south carolina 's XXXX year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made a purchase on XX/XX/year> through the XXXX online store using my PayPal Mastercard. The total charge was {$800.00}, and the order number was XXXX. The transaction was processed on a card ending in XXXX. 

According to XXXX tracking, the package was marked as delivered on XX/XX/year> to my address in XXXX XXXXXXXX XXXX  and signed for by someone with the last name XXXX. While XXXX is my last name, I did not sign for this package, and no one in my household received it. Its important to note that XXXX is a very common XXXX  surname, so this can not be used as confirmation that I received the package. 

After discovering the package was marked as delivered but not received, I checked with my neighbors, family members, and building management, but no one had seen or accepted the package. I contacted the merchant, XXXX, multiple times and provided all relevant tracking information. However, they have not responded meaningfully or resolved the issue. 

I then filed a dispute with PayPal Mastercard  ( XXXX # XXXX ), requesting a refund due to non-delivery. Despite submitting supporting documentation, including the XXXX tracking details, I have not received a refund or resolution from PayPal or the merchant. 

I am seeking assistance because I paid for an item that I never received, and neither the merchant nor the payment processor has taken responsibility to resolve 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 monetary relief