vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Im not quite sure what theyre referring to and secondly, my identity was stolen. It was leaked through XXXX a couple times. My house was ransacked and like my safes were taken with all my personal information in it. This has passed a statue of credit collecting it was eight years ago, so either way this should not even be an issue. It shouldnt even have to be worrying about this so I need this taken off. I need them to close this account out not in a negative. And as well as in the letter they sent told me that I had a certain amount of time to fight this. It shouldnt even been sent out in the first place. You guys have no legs to stand on so lets stop playing games and lets get this taken care of thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
The following accounts are erroneously reported on my credit file as having late payments, which is unequivocally false and unsupported by any valid documentation : XXXX XXXX, XXXXXXXX XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MN

Complaint narrative:
XXXX XXXX performs their escrow analyses for Minnesota ( and multiple other states ) in XXXX - long before my annual insurance premium and property tax figures are received - and perennially takes MONTHS to effect corrections to my monthly mortgage payment to reflect the changes I report to them.. changes which SHOULD reduce my escrow amounts and ultimately lower my monthly mortgage payment. 

To date - despite multiple calls and online correspondence ( providing ample documentation evidence of the reductions )- they have yet to implement those reductions, and have added a new twist : Subsequent to each escrow correction request I have submitted, XXXX added irrelevant and inflammatory retaliatory remarks to my credit bureau report, which have negatively impacted them by lowering my scores by up to XXXX points - despite repeated pleas to cease-and-desist ... asserting falsely ( via recorded telephone calls ) that they do NOT add such remarks- which is patently untrue, and for which I have substantial documentation from those credit bureaus ( see attached PDF ). 

In one recent instance, instead of removing those remarks, they " doubled down '' - adding a duplicate of the initial offensive remark ( " account information disputed by consumer '' and " consumer disputes this account information '' ) And - at the one bureau where they'd actually deleted the remarks- they " retaliated '' in response to my phone calls and once again added the remarks ... negating the XXXX points previously restored, and once again further damaging my score with another decrease of the same amount. 

I can not believe that I am the sole recipient of such retaliatory actions, which for all intents and purposes appear designed solely to discourage ANY requests for escrow adjustments.. and firmly believe that you may find others who've suffered similarly? 

Subsisting on a social security XXXX income, I can not afford their continued collection of excessive escrow sums... and I most certainly can not allow this continual retaliation and assault on my credit bureau scores to further damage my existing and potential credit accounts! 

Thank you for your compassionate consideration.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXXXXXX performs their escrow analyses for Minnesota ( and multiple other states ) in XXXX - long before my annual insurance premium and property tax figures are received - and perennially takes MONTHS to effect corrections to my monthly mortgage payment to reflect the changes I report to them.. changes which SHOULD reduce my escrow amounts and ultimately lower my monthly mortgage payment. 

To date - despite multiple calls and online correspondence ( providing ample documentation evidence of the reductions )- they have yet to implement those reductions, and have added a new twist : Subsequent to each escrow correction request I have submitted, XXXX added irrelevant and inflammatory retaliatory remarks to my credit bureau report, which have negatively impacted them by lowering my scores by up to XXXX points - despite repeated pleas to cease-and-desist ... asserting falsely ( via recorded telephone calls ) that they do NOT add such remarks- which is patently untrue, and for which I have substantial documentation from those credit bureaus ( see attached PDF ). 

In one recent instance, instead of removing those remarks, they " doubled down '' - adding a duplicate of the initial offensive remark ( " account information disputed by consumer '' and " consumer disputes this account information '' ) And - at the one bureau where they'd actually deleted the remarks- they " retaliated '' in response to my phone calls and once again added the remarks ... negating the XXXX points previously restored, and once again further damaging my score with another decrease of the same amount. 

I can not believe that I am the sole recipient of such retaliatory actions, which for all intents and purposes appear designed solely to discourage ANY requests for escrow adjustments.. and firmly believe that you may find others who've suffered similarly? 

Subsisting on a social security XXXX income, I can not afford their continued collection of excessive escrow sums... and I most certainly can not allow this continual retaliation and assault on my credit bureau scores to further damage my existing and potential credit accounts! 

Thank you for your compassionate consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Th account says closed and charge off but they are still reporting missed and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the purposes of 15 USC 1692 et seq and 15 USC 1692e this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Under 15 U.S.C. 1681c2 FCRA, I have the right to request the deletion or blocking of information. Additionally, under 15 U.S.C. 1681i, the credit bureau is required to investigation Permissible Purpose ( FCRA 15 U.S.C. 1681b ) : Explain the permissible purpose for obtaining and reporting my credit information.

Disclosure of Lending Terms ( TILA 15 U.S.C. 1602 ( i ) ) : Provide a copy of the loan agreement, including clear and accurate details about the annual percentage rate ( APR ), finance charges, and any other terms and costs.

Consumer Privacy and Information Sharing ( GLBA 15 U.S.C. 6802 ) : Disclose the origin, purpose, and use of the debt, including any agreements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
As a victim of XXXX data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : XXXX XXXX XXXX, XXXX XXXX XXXX I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by 15 USC 1691c and 15 USC 1692k and is punishable by civil liability. These businesses are in violation of 15 USC 1691 because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the unauthorized inquiries and incorrect personal information from my consumer report. 
Inquiries to be removed and blocked : XXXX XXXX - XXXX XXXX, 2024 XXXX - XXXX XXXX, 2024 XXXX XXXX - XX/XX/year> XXXX XXXX  - XXXX XXXX, 2024 Personal Information information to be removed and blocked : Addresses : XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX. 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, 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 2025-03-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband was charged for an additional ticket by XXXX XXXX. His flight was delayed for over an hour. Then they closed the gate 30 minutes early even though they had over XXXX passengers from the delayed flight. The staff at the gate told my husband he would need to pay {$140.00} for the next flight. While he was upset he agreed. Before that staff charged my husband they had a staff change and the next guy charged my husband {$1000.00}. When we declined the charged the airline lied and said the charge was due to my husband requesting a seat upgrade. We have been disputing this charge since XX/XX/XXXX. The XXXX team is supposed to be reviewing my case but when I first called to inquire XXXX told me that it was declined because the purchase was made in XXXX. I had to explain again to her what happened and that the charge was made in XX/XX/XXXX and we began the dispute the next day. I have called 3 times for an update and no one will return my call. The airline has a responsibility to have gotten my husband to his final destination. They failed and then charged him another ticket. He had no control over the delay or them closing the gate early. As a consumer we should have some protections against this blatant 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 monetary relief
Consumer complaint received 2025-03-25 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: KS

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 2025-03-25 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: HI

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: WI

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 2025-03-25 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: WI

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 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
SINCE THE CURRENT ADMINISTRATION IS CLOSING AND CANCELING THE XXXX XXXX XXXX/ XXXX AND TRANSFERING MY ACCOUNT TO SBA. 

ON XX/XX/year>2025, I DID TRY TO CONTACT THE XXXX AND WAS UNABLE TO HELP BECAUSE THEY ARE UNDERSTAFFED AND THE WAIT TIME IS VERY LONG. WHEN I DID SPEAK TO someone, THEY SAID THERE IS NO MORE FORGIVENESS FOR HARDSHIP, AND I NEED TO PAY {$2100.00} OF MY TOTAL BALANCE, WITH INTEREST now {$19000.00}. THAT MY LOAN WILL BE MAKING CHANGES AND SBA WILL BE HANDLING IT. 

I FEEL SINCE THE XXXX IS BEGIN START DOWN MY LOAN SHOULD BE FORGIVEN SINCE MY ORIGNAL CONTRACT WAS WITH XXXX / XXXX NOT SBA AND THE SERVICE WILL NOT BE THE SAME QUALITY

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 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: Lendmark Financial Services
State: GA

Complaint narrative:
I have been a victim of identity theft with a creditor by the name of Lendmark Financial Services, LLC. I received an alert on my credit the week of XX/XX/XXXX about an account that was past due and had reported late payments. After checking online and obtaining my credit report, I noticed that an account had been opened on XX/XX/year> as an personal installment loan showing it was a secured loan in my name at the Lendmark branch in XXXX, GA. The address of the branch is : XXXX XXXX XXXX, XXXX, GA XXXX. The amount of the loan was XXXX. I contacted the branch and there corporate headquarters and made them aware that this was not opened by me and it was identity theft. They would not give me any information about the loan and said they would have to open a suspicious incident report and it could take up to 30 days. I was however able to find out through Lendmark that the person who opened the account only used my name and social security number. The email address, home address and phone number that was in there system was not my information, which is why I never received any past due phone calls, statements or any documentation pertaining to this account. Lendmark clearly knew after speaking with me that they had opened this loan under fraudulent terms.I requested that Lendmark stop reporting the information on my credit because it was destroying my credit but they refuse to stop and have gone in again and reported on my credit more late payments and past due and I am in the middle of trying to purchase a home. This creditor will not stop reporting on my credit knowing that this was not me. I have sent over to them the police report and all other documents they have requested. I have put a credit freeze on all my credit as well. I need help because Lendmark seems to think they can continue to cause me damages on my credit knowing this was opened by there branch in XXXX fraudulently. Lendmark will not follow up on a status of there investigation or give me any further information, they only will continue to report false negative information on my credit report. Lendmark not correcting/removing this from my credit has now cost me to lose a home I was purchasing and is effecting my business and personal life. I was told my different Lendmark agents that I can not speak to anyone in there investigation department about a status, only that I will be contacted via mail. It has been over a month since Lendmark was made aware of the fraud and has had all the documentation and I have yet to hear anything nor have this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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