vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received two emails, out of the blue, claiming to be from XXXX regarding debt collection. None of the information in those emails was anything I recognized, including the last four digits of the " account '' in question or the fact that that original creditor was Capital One - of whom I've been a client in good standing for many years. 

I did not, and will not, click on any links in the email. 

Instead, I called Capital One first. They couldn't find anything in the records of my owing any money. I am diligent about bill paying and have a strong, clean credit report ( which I confirmed after receiving the XXXX emails ). 

However, I know identify theft can create these issues so I called XXXX to see if I can find out more. The first thing they asked for was my social security number which I refused to provide. I gave them the " XXXX XXXX '' but they then pushed for more personal information in order to " verify '' me. All I wanted was an official XXXX communication in order for me to XXXX believe this is a real situation and not a scam and XXXX understand the details behind this. But since I wouldn't share more and they wouldn't send any letters without verification, we reached an impasse and I had to hang up without resolution. I am dubious about his organization- I have no reason to believe I owe money but I do have reason to believe there could be nefarious behavior happening. 

I could use some help to find out how to verify all this and make sure there's not a real issue brewing for me. I always pay what I owe- but I won't be taken for a fool. Thank you for any guidance.

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

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have tried multiple time to log in and its telling me I cant and I tried to log in and make new account which states I already have an account

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

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

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

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

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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 2025-05-05 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

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

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-05-05 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 2025-05-05 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 explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-05 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
TransUnion is reporting a charge-off on the XXXX XXXX account ( Account XXXX. XXXX * * * * ) with a balance of {$0.00}. This is not only misleading, but also a clear violation of the 15 USC 1681e ( b ), which requires TransUnion to ensure the information they report is accurate and up to date. A zero balance should not carry a charge-off status, as this implies the debt was never fully satisfied and is still considered a loss by the lender. This could very well be the result of a data breach or an error in reporting. A zero-dollar charge-off raises questions regarding the integrity of the information being reported, especially when such a mark can damage a persons credit profile.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute Concerning Incorrect Credit Reporting by Equifax for Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my XXXX XXXX account ( Account Number : XXXX ) by Equifax. Despite repeated attempts to resolve this error directly with Equifax, they continue to report a late payment for XX/XX/year>, which is incorrect and unjustified. 

The inaccuracies in the reporting arise from the fact that my account was paid in full, with the closure date documented as XX/XX/year>. I have provided all necessary documentation from XXXX XXXX, including the payoff statement and the vehicle return letter, confirming my account closure and full payment. 

Both XXXX and XXXX  are correctly showing my account as paid in full with no late payments, reflecting the true status of my repayments. It seems that Equifax has not updated their records in accordance with the facts, despite having been furnished with evidence several times. 

I respectfully request that CFPB assist in rectifying this misleading report. This incorrect late payment has been an ongoing issue, affecting my credit profile unfairly. I urge Equifax to amend my credit report to show that this account is paid in full without any delinquencies. 

Attached to this letter are copies of the documentation already submitted to Equifax, including the contract with XXXX XXXX and the vehicle return letter. I trust that CFPB will facilitate swift correction of this error and ensure that my credit report accurately reflects my payment history as paid in full. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further clarification or documentation. 

Sincerely, XXXX XXXX [ Attachments : Contract with XXXX XXXX, Vehicle Return Letter and Payment History from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute Concerning Incorrect Credit Reporting by Equifax for Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my XXXX XXXX account ( Account Number : XXXX ) by Equifax. Despite repeated attempts to resolve this error directly with Equifax, they continue to report a late payment for XX/XX/year>, which is incorrect and unjustified. 

The inaccuracies in the reporting arise from the fact that my account was paid in full, with the closure date documented as XX/XX/year>. I have provided all necessary documentation from XXXX XXXX, including the payoff statement and the vehicle return letter, confirming my account closure and full payment. 

Both XXXX and XXXX  are correctly showing my account as paid in full with no late payments, reflecting the true status of my repayments. It seems that Equifax has not updated their records in accordance with the facts, despite having been furnished with evidence several times. 

I respectfully request that CFPB assist in rectifying this misleading report. This incorrect late payment has been an ongoing issue, affecting my credit profile unfairly. I urge Equifax to amend my credit report to show that this account is paid in full without any delinquencies. 

Attached to this letter are copies of the documentation already submitted to Equifax, including the contract with XXXX XXXX and the vehicle return letter. I trust that CFPB will facilitate swift correction of this error and ensure that my credit report accurately reflects my payment history as paid in full. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further clarification or documentation. 

Sincerely, XXXX XXXX [ Attachments : Contract with XXXX XXXX, Vehicle Return Letter and Payment History from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-05 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: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I made a complaint against a firm loan services for some negative reporting of an alleged account that they were reporting on my credit report. They responded to the complaint by claiming that they verified the information and that I am liable for the accounts and that they are not removing the accounts. However, they violated fcra by taking more than 30 days to investigate and respond to the request. Furthermore, According to their own response to my complaint, this company stated the following : " Loan XXXX processed on XX/XX/XXXX, for a purchase with the merchant, XXXX, in the amount of {$240.00}. This loan has terms of 34.39 % Annual Percentage Rate ( APR ) and 12 monthly payments of {$24.00} due on the XXXX of each month. The payment due on XX/XX/XXXX became over 30 days past due and was reported to Experian accordingly. The loan was paid off on XX/XX/XXXX. '' According to their statement, this alleged account was processed in XXXX of XXXX, and became delinquent in XXXX of XXXX. However, according to credit reporting from experian, XXXX, and XXXX there was never any reporting of this account on my credit report up until XXXX of XXXX after the alleged account purportedly became delinquent. As the company stated in their own response message that they have an obligation to report accurately on a monthly basis. If the account was established in XX/XX/XXXX and not reported at all whether positive or negative in standing until XX/XX/XXXX, then they have violated the fcra rules by not reporting the account details for the month of XXXX, XXXX, XXXX, XXXX, XXXX, and continuing into XXXX and not reporting in XXXX, XXXX, until XXXX of XXXX.. 
As they stated in their own response, they have an obligation to report. They did not report. That there is a violation of their obligation. Please remove this account and any negative reporting immediately or I will have to have my attorney get involved, and will be seeking legal fees and monetary compensatory damages..

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 2025-05-05 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: MI

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express card and was approved. I made around {$400.00} in transactions, which I paid in full. While traveling, I was unable to complete their identity verification process in time. I later submitted a notarized letter verifying my identity, but despite that, American Express closed my account without my authorization. 

Recently, I received an email from Amex attempting to charge me an annual fee on this closed account. I believe this fee is improper since the account was closed by the company, not by me, and I had already paid the full balance. The account was never fully activated due to the identity hold. 

I request that the annual fee be removed, that no additional fees be charged, and that my credit report is not negatively affected by this. I also request written confirmation from American Express stating that the account has a zero balance and no adverse credit action will be taken. 

I prefer written communication only via email or mail not by phone.

Company response to consumer: Closed with explanation