vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
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 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 2025-03-06 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: NC

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 2025-03-06 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX closed XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MA

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 2025-03-06 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-06 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: GA

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 2025-03-06 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: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-03-06 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: CA

Complaint narrative:
Transunion handled my dispute with a collection claim from XXXX with XXXX XXXX XXXX. 

I have paid the original creditors, XXXX XXXX XXXX, on XX/XX/year> in full for {$1500.00} as their XXXX system was set up, but failed to withdraw on the first of the month. I received a collection from XXXX XXXX XXXX in XX/XX/year>. I disputed the claim successfully with XXXX. 

Transunion recently handled my dispute and claims that the account is accurate. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both unresponsive. 

The collection claim is false. Please see attached for my letter response to XXXX XXXX XXXX, and my payment confirmation.

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 2025-03-06 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: FL

Complaint narrative:
Request for Deletion of Account Due to Repeated Charge-Off Reporting Violations I am writing to file a formal dispute regarding the repeated and inaccurate reporting of a charge-off on my account with XXXX XXXX Account Number XXXX dispute concerns multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates accurate and timely reporting of credit information.

Details of the Dispute : Charge-Off Reporting : The account has been marked as a charge-off for the months of XXXX through XX/XX/2025, without any change in the status or developments. The charge-off status should have been reported once and updated as needed. However, it has been reported repeatedly, which is inaccurate and violates the FCRA Section 1681e ( b ). 

Violation of FCRA : Under the FCRA, it is required that credit reporting agencies report accurate and complete information. Continuously reporting the charge-off status month after month is misleading and inaccurate, and it harms my credit profile. 

Failure to Correct : the information has not been corrected. The continued reporting of this account as a charge-off for more than a year without any updates is detrimental to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-06 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:
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 2025-03-06 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: PA

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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On our around XX/XX/2024, I didnt want to renew my membership with XXXXXXXX XXXX. They wanted first and last month payment for the new policy. I decided to go with another auto insurance and the sales rep ended up charging me anyways for a renewal with out my consent. Months later with out me knowing, I see that the payment is now was sent to a collection agency. I want this false record removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been a Bank of America customer for over 10 years. I lived in North Carolina at the time I opened the account, where there were numerous locations and always XXXX close by. Now, I live in XXXX, Michigan where the closest location is a XXXX XXXX XXXX. When I originally opened the account, it was a representative payee account for my son that received XXXX at the time. That son is now about to turn XXXX and hasn't received an XXXX payment in about 2 years. When his payments stopped, I tried contacting them and asking about sending in a copy of the determination letter from social security showing that he no longer receives benefits. They told me the only way they could make any changes to the account is to go in person. But like I stated, the closest location is XXXX minutes away. I also don't have a vehicle and ebike where I need to go for the most part. An XXXX ride would be outrageous and totally unaffordable for me. They refused to help at all and basically told me to deal with it unless I can go in. My son I was the payee for has recently moved out after not receiving benefits for 2 years, and I also had my name changed legally and need it changed on my bank account. I explained that I have no way in, no transportation to get so far away and asked if I could email or fax in the court order for my name change, my new ID, and the social security determination letter stating his benefits ended. Although I don't see why they'd even need that since there hasn't been a single XXXX deposit in all this time. I just need to get my account changed to not being a representative payee account, and to have my new legal name replace my old name. I'm happy to provide whatever necessary documents, I just don't have a way to XXXX of their locations and they refuse to try to work with me at all. I already have loads of financial issues with them ( such as adjusting the order of your transactions so you end up short and small amounts of money just disappearing with no history of a transaction ) that I will be addressing in due time. And as soon as my refund hits, I will be withdrawing it and opening an account elsewhere. I've complained about this kind of stuff to them numerous times and finally told them I'll be closing my account soon. I feel part of this is retaliation.

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 2025-03-06 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: AZ

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 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 2025-03-06 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: IL

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or incomplete. 

The account in question is ] [ XXXX XXXX Charge off / written off XXXX ] which is listed as a closed account on my credit report as of XX/XX/year>. XXXX XXXX Account Status CLOSED_CHARGE_OFF Balance Owed {$3400.00} request that you investigate this matter and remove this account from my credit report. 

Under the FCRA, 609 ( a ) ( 1 ), I am entitled to request the disclosure of the information in my file at the time of my request. I have reviewed my credit report and found that this account is inaccurately reported. Specifically, [ provide a brief explanation of why the account is inaccurate, e.g., " the account was paid in full and closed by me, but it is being reported as a derogatory account. '' ] In addition, according to 623 ( a ) of the FCRA, furnishers of information are required to provide accurate information. The reporting of this account is not consistent with my records and is damaging to my creditworthiness. 

I have attached copies of relevant documents, including [ dismissed for want of prosecution ] on XX/XX/year> by judge XXXX, XXXX XXXX, XXXX. Please conduct a thorough investigation into this matter and correct my credit report accordingly. 

I would appreciate your prompt attention to this issue and look forward to your response within the timeframe established by the FCRA. 

Thank you for your assistance

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 2025-03-06 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: DigniFi
State: IL

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or incomplete. 

The account in question is ] [ XXXX XXXX Charge off / written off XXXX ] which is listed as a closed account on my credit report as of XX/XX/2025. DIGNIF XXXX Account Status CLOSED_CHARGE_OFF Balance Owed {$3400.00} request that you investigate this matter and remove this account from my credit report.

Under the FCRA, 609 ( a ) ( 1 ), I am entitled to request the disclosure of the information in my file at the time of my request. I have reviewed my credit report and found that this account is inaccurately reported. Specifically, [ provide a brief explanation of why the account is inaccurate, e.g., " the account was paid in full and closed by me, but it is being reported as a derogatory account. '' ] In addition, according to 623 ( a ) of the FCRA, furnishers of information are required to provide accurate information. The reporting of this account is not consistent with my records and is damaging to my creditworthiness. 

I have attached copies of relevant documents, including [ dismissed for want of prosecution ] on XX/XX/2025 by judge XXXX, XXXX XXXX, XXXX. Please conduct a thorough investigation into this matter and correct my credit report accordingly. 

I would appreciate your prompt attention to this issue and look forward to your response within the timeframe established by the FCRA. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
First of all this debt is 12 years oldI am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX  who has not been shopping anywhere since my XXXX XXXX XXXX XXXX in XXXX XXXX and XX/XX/XXXX resulting in my XXXX XXXX in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX XXXX for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send 20 dispute letters last year ( XXXX XXXX ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the XXXX because I am not being heard n XXXX XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.

Company response to consumer: Closed with explanation