vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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 checked my credit report this morning and noticed accounts that do not belong there, and Im unsure why. Normally, my credit report is accurate, but this time, discrepancies appeared unexpectedly. I attempted to refresh my browser to rule out a glitch, but the incorrect accounts remained visible. As a result, Im asking for a detailed examination of the documents I sent to ensure this situation doesnt happen again.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
I had dental work performed on XX/XX/XXXX at XXXX XXXX XXXX. I paid them {$100.00} at the time of service. Then they submitted the bill to insurance and receive a check from insurance. Which I have that explanation of benefits then about a year later I started receiving a Bill from the dental office when I called them up they said I didnt have insurance at the time. At that time, I could not find my explanation of benefits, but have since found it they were paid by insurance and are still trying to collect the whole amount from me. I paid them {$220.00} in XX/XX/XXXX to the collections agency before I found my EOB. Based on my EOB they owe me about {$20.00}. I tried to reach out to XXXX to get the matter resolved and they would not help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
TransUnion is inaccurately and irresponsibly reporting multiple charge-offs for XXXX  XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX and XXXX Account Number : XXXX XXXX XXXX XXXX XXXX These accounts are being reported without verifiable evidence of default and in a manner that directly violates 15 USC XXXX ( b ) and XXXX. Inaccurate and unverifiable charge-off data gravely damages my credit standing and is highly suspicious, especially given the likelihood that my personal information was compromised in a data breach. Despite my attempts to obtain validation, no authenticated account records, original charge-off notices, or creditor-authenticated evidence have been produced, yet the bureaus continue to allow this harmful misinformation to persist.

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 2025-04-28 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: MS

Complaint narrative:
Experian is intentionally committing fraud. They are intentionally putting false information on consumers credit report. I have never lived in New York. Theyve put a false debt, from a company thats not located in New York, on my credit report. This is a XXXX party debt collector attempting to extort money from me with a false debt. I do not owe this company or any company this money. Experian must be shut down and all its employees terminated. This is the only solution. Experians staff understands that the XXXX administration doesnt care about this agency and will be shutting it down. No ones protecting consumers. Experian is trash. This agency is untrustworthy.

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 2025-04-28 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: MS

Complaint narrative:
XXXX is intentionally committing fraud. They are intentionally putting false information on consumers credit report. I have never lived in New York. Theyve put a false debt, from a company thats not located in New York, on my credit report. This is a XXXX party debt collector attempting to extort money from me with a false debt. I do not owe this company or any company this money. XXXX  must be shut down and all its employees terminated. This is the only solution. XXXX staff understands that the XXXX administration doesnt care about this agency and will be shutting it down. No ones protecting consumers. XXXX is trash. This agency is untrustworthy.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I paid off several liens and judgements against me that were on my credit report all held by LVNV.

. The companies were anxious to get the money, and very slow to even give me a paid receipt, and or update my credit report to show paid in full, or either delete the negative account. 
I have paid in full receipts from the attorneys that handled the debt collection, but they all say they are not responsible for reporting to the credit bureau, or making changes to the credit bureau. 
When I contact XXXX actual lien holder, LVNV, for example, I am told to contact Resurgent. Resurgent says, they are not the one who can make the change. 

The original institution whom I took a loan out with, say they no longer have anything to do with it, saying the debt was sold. 
So many layers of protection for them, it's easy to keep passing the buck along, and not provide customer service. Mind you, I asked for the credit to be corrected once these things were paid, but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
To XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Direct Dispute of Inaccurate Reporting Under FCRA To Whom It May Concern, I am writing to dispute the reporting of an account that your company has placed on my credit file with Experian : Account Name : XXXX Funding Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX This account is inaccurately reported and appears incomplete and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ), I am exercising my right to directly dispute the information your company furnished to the consumer reporting agencies. 

Demand : I request that you immediately conduct a reasonable investigation, provide full validation of this alleged debt including the original signed contract bearing my signature, and the full chain of title of ownership of the debt. 
If you are unable to provide verifiable proof within the legally allotted time, you are required to instruct all credit bureaus to delete this account... 

Thanks

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 2025-04-28 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: NY

Complaint narrative:
To XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Direct Dispute of Inaccurate Reporting Under FCRA To Whom It May Concern, I am writing to dispute the reporting of an account that your company has placed on my credit file with Experian : Account Name : XXXX Funding Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX This account is inaccurately reported and appears incomplete and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ), I am exercising my right to directly dispute the information your company furnished to the consumer reporting agencies. 

Demand : I request that you immediately conduct a reasonable investigation, provide full validation of this alleged debt including the original signed contract bearing my signature, and the full chain of title of ownership of the debt. 
If you are unable to provide verifiable proof within the legally allotted time, you are required to instruct all credit bureaus to delete this account... 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Dear consumer Financial Protection Bureau, formal notice demanding immediate removal of all credit accounts and relation information from my credit report based on repeated failures to re investigate a disputed item and on your ongoing not compliance with legal obligations under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) To date, I have submitted multiple disputes requesting regarding an inaccuracies of my credit report on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these repeated notice your agencies has failed to conduct the proper reinvestigation and have continued to report an accurate unverifiable or incomplete information and violation 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If information dispute by consumer can not be verified if they're reinvestigation it must be probably deleted from consumer credit file You're continuing report up such information is a direct violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: AL

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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
In XXXX of XXXX, CAPITAL ONE, NA closed my XXXX  XXXX card without cause. As a member for many years, and never late on a payment, I utilized that card up to $ XXXX per month and would often pay off multiple times per month. Upon closing the account without cause, or explanation, it put my cash flow into a negative balance situation. Within 30 days that closed account with a {$34000.00} balance hit my credit report and plummeted my score. The ripple effect of that was real property loans that were accelerated due to minimum credit standards not being met. Over the course of the next XXXX  years I lost over $ XXXX that can't be recovered. Now, I have received a formal complaint by Capital One that they are suing me for {$34000.00}. I am issuing an unlimited countersuit to attempt to recover any portion of the damages caused buy Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2025-04-28 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated :

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 2025-04-28 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: GA

Complaint narrative:
I was a victim of a data breach when I got back to the United States. I contacted every one involved. And was advised to reach out to the creditors and credit report agencies to review and correct my credit report. I filed a police report and affidavit to remove fruadulent accounts -XXXX XXXX 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

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 2025-04-28 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