vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized entries currently being reported by TransUnion that are negatively impacting my credit file. These accounts either contain false data, have been settled, or were never legally authorized to be reported in the first place. Here are the issues : XXXXXXXX XXXX XXXX XXXX This was a credit booster product, not a real revolving account. I was never extended a credit line, never agreed to loan terms, and yet a late payment was reported. This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) for knowingly furnishing false information. 

XXXX XXXX XXXX XXXX This account was involved in an active legal dispute and was fully paid off. It is still being reported as negative. This violates FCRA 611 ( a ) and Metro 2 standards for post-settlement reporting. 

XXXXXXXX XXXX XXXX XXXXXXXX This account is fraudulent and not mine. I did not open it, authorize it, or benefit from it. Under FCRA 605B and 1681c-2, I am requesting it be permanently blocked and removed as identity theft. 

Public Record Bankruptcy ( XX/XX/year> ) The bankruptcy is being reported even though the court confirmed via letter that they do not furnish data to any credit bureaus. This constitutes unverifiable public data under FCRA 607 ( b ) and 611, as TransUnion is relying on unauthorized third-party data providers without direct source verification. 

I am requesting full deletion of all inaccurate items and demand that TransUnion conduct a proper reinvestigation in accordance with the FCRA. If not resolved, I will escalate this matter further with legal counsel and additional regulatory agencies.

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 2025-05-01 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-01 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: AZ

Complaint narrative:
XXXX XXXX soc #XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX Services XXXX XXXX under the account number , XXXX  This account have resulted in fraudulent collection appearing on my consumer FICO credit report. I've attached a credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account /collection reported. The aforementioned account, collection appearing on consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

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 2025-05-01 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: CA

Complaint narrative:
I do not recognize the address please remove thank you. 

XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX CA 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-05-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
I bought a Money Order worth {$5200.00} ( {$2500.00} ( Money Order # : XXXX ), {$1700.00} ( Money Order # : XXXX ), and {$1000.00} ( Money Order # : XXXX ) ) from PLS Financial Services ( Check cashing Services ). However, the money order was not cleared via my bank account XXXX XXXX XXXX XXXXXXXX ), and it was returned. My account is now - {$5200.00} ( negative ), and my bank asks that the check be reissued. To date, I have not received a tangible result from the branch, and have filled out the required forms.

PLS included charging me {$15.00} for their reliable services and denied me access to my money and account for almost a week. It is not fair and sad, for PLS to charge me {$15.00} for each money order, which is due to their fault, and it is PLS that should compensate me for the inconvenience and punitive damages during this period rather than charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened my account with capital one in XXXX in XXXX i had a car accident and became delinquent for the first time, I then saddled the account officially in XXXX.For less than the balance old it was charged off in XXXX i received it a letter with no contact information no explanation into the details as to why theu wouldnt remove it all the letter said is that they wouldnt remove it for 6.5 years they are supposed to go off of the date of first delinquency for reporting purposes based on that information.It 's been on my or credit report for 8 years date of charge off 7 i believe they are trying to restart the time frame. By going from the date, the account was settled. Which isand the criteria for fair credit reporting? According to the fair credit reporting, it is supposed to be removed from 7 to 10 years and at 7 to 10 years. It can be removed from the date of first delinquency. 
From the date of first delinquency, it has been 7 years. It meets the criteria to be removed. I have gone back-and-forth with the company for 2 years on this matter with absolutely getting nowhere. I consulted with an attorney who said that my best bet would be to reach out to consumer affairs and file. A complaint and see what happens and then from there, if I can't get anything resolved then I'm going to have to take legal action. I can not get anywhere with the company. I get stonewalled transfer to 5 different people denied everything that I'm requesting. I asked for the information I'm told no. Or hang up on. I simply have requested multiple times the dates that they are using for their reporting terms that they can't go off of the date of settlement. They have to go off of the date of first delinquences. Not only will they not confirm any of that information with me? They won't give me a copy so that I can see for myself. I am at a loss. I have paid the settlement.I have done what I can I meet the criteria to have it removed from my report? I even have current accounts with this company which this whole situation has really made me consider paying off my accounts that I have with them and not having an accounts with them that are current

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Monday, XX/XX/XXXX, took me five hours to get in touch with someone at Mr. Cooper to find out my loan was sold to XXXX and the information provided was incorrect in terms of what I owed on the loan. What they sent is not accessible, also, when call the number given the robo system does not understand the numbers entered and does not connect you with customer service ; I need to know what I owe, where and how to send electronic payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CO

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 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. On XX/XX/year>, the XXXX XXXX added XXXX student loans to my credit report, all totaling XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX added XXXX dollars on XX/XX/year>, these are the accounts that I've marked a inaccurate and I want them removed due to Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was hacked at XXXX from XX/XX/XXXX - XX/XX/year>. My XXXX account was liquidated and they had a payout of the entire account ( Approx {$1800.00} ). In addition, the criminals bought and sold stock and the amount that was purchased through PayPal ( connected to my Checking account ) in the amount of {$13000.00}. My bank, XXXX, was informed of this hack on XX/XX/XXXX ( the same day as PayPal ) and were able to cancel pending charges. 

I was eventually reimbursed for all charges that were processed through the XXXX bank, which was {$10000.00}. PayPal had wired processed that were denied from my bank. The difference is {$2500.00}. My PayPal account is showing that I owe them {$3300.00}. 

I was reimbursed {$780.00} from XXXX that is owed to PayPal and I would like to pay for that amount but not the remaining {$2500.00} that was processed without the Banks approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-01 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-01 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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