vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
In XXXX XXXX, I filed a XXXX complaint. XXXX responded but referred to me as " XXXX XXXX, '' which is not my name. When they correctly referred to me as XXXX XXXX, they stated my account was in good standing. 

On XXXX XXXX XXXXXX/XX/year>, I filed a complaint with the CFPB and FCC after the XXXX process failed to resolve the issue. XXXX XXXX XXXX responded to the CFPB complaint confirming that the account was recalled by XXXX. 

At that time, I disputed the collection with all three credit bureaus and provided documentation from both the XXXX and CFPB complaints. Instead of removing the account, the bureaus marked it as " paid. '' I re-disputed with Experian, but the inaccurate reporting remained. 

XXXX response to the FCC did not include an account number or any information linking me to the debt. I contested their response, and the FCC has now requested a supplemental reply. I also filed another CFPB complaint directly against XXXX XXXX  XXXX, who confirmed that they no longer hold the debt and that XXXX is the current creditor. 

Despite this, the collection remains on my credit report and continues to harm my score. I am unable to obtain business funding for a critical property project and am incurring interest costs as a result. This ongoing inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting full deletion of this tradeline immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NM

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One credit balance was updated XX/XX/XXXX. It is XX/XX/XXXX and XXXX has not updated my Capital One balance but has updated all others. I contacted Capital One and they said they submitted the information to XXXX back in XXXX and again XX/XX/XXXX for the latest statement. I went onto XXXX 's website and tried to submit a dispute for the account balance, which had reduced for XXXX, and their online website does not allow me to submit the dispute. I called 3 different phone numbers trying to get to a specialist/representative but their automated systems only have preset messages without allowing you to speak to a representative. So, if I can't file a dispute online and I can't call in to ask for help. What am I supposed to do about the impact this has had on my credit score? Unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Movement Mortgage LLC
State: MD

Complaint narrative:
MOVEMENT MORTGAGE LLC BOUGHT THIS ALLEGED DEBT PORTFOLIO FROM A THIRD PARTY SERVICER AND THEY ARE REPORTING INACCURATE INFORMATION WITHOUT CONSENT TO DO. IN PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, 2. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( 3 ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN SIX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-03-28 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: LA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Hi I tried to dispute two late payments on XX/XX/year> because i had a hardship, I haven't gotten any response hopefully you can help under Under the Fair Credit Reporting Act ( FCRA ). I will list the accounts below XXXX XXXX Account # : XXXX Delete two late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-28 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: PA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-28 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted XXXX XXXX, Mortgage Loan Officer ( XXXX XXXX XXXX ) at Truist Bank, to explore mortgage options. During our communications, I explicitly emphasizedboth verbally and in writingthat no hard inquiry should be performed on my credit report without my clear and direct consent. XXXX XXXX acknowledged this request in writing and agreed to proceed accordingly. 

However, despite this agreement, I discovered that XXXX XXXX performed a hard credit pull without my authorization. This unauthorized action has negatively impacted my credit score. 

After the unauthorized inquiry, XXXX XXXX became unresponsive. When I eventually reached him, he informed me that I could not proceed with a mortgage due to my visa status. He offered no apology or support and has ignored all further communication attempts. 

Desired resolution : Removal of the unauthorized hard inquiry from my credit report to restore my credit score. 

A formal apology from XXXX XXXX and/or Truist Bank for the unauthorized action and subsequent lack of communication. 

Review and enforcement of internal procedures at Truist Bank to ensure mortgage officers honor written agreements and obtain proper consent before accessing client credit reports. 

I appreciate the CFPB 's assistance in resolving this matter and ensuring that such unauthorized actions are addressed appropriately.

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 2025-03-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Just today I disputed with XXXX about the Capitol one account # XXXX reporting it as a charge off with a balance. The payment history is inaccurate and incomplete as well, which is simply a violation. It was a sham investigation, it can take 30 days but they completed the investigation in 30 mins. Im demanding a deletion!! XXXX is willfully violating my federal rightsXXXX XXXX XXXX XXXX XXXXXXXX is also reporting as a charge off with a balance. If its a write off the consumer shouldve received a 1099c making it taxable income which shouldnt be on a consumer report, if they didnt send it then its reporting inaccurate to begin with, the inaccuracies is hurting my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AZ

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
After reading through the response from XXXX in regards to my complaint made on XX/XX/XXXX ( I have attached both my complaint and Bilt 's response ), Bilt is claiming that I did not pay Bilt in XXXX or XXXX of XXXX. However, my XXXX XXXX statement from XXXX ( attached ) shows that I made a payment to Bilt on XXXX for {$1900.00}. I only used Bilt to pay my rent once a month and all of the prior months had been paid onetime. I have included my XXXX XXXX XXXX statement as well showing proof of payment to Bilt for my rent and am happy to provide as many bank statements as needed. I would like this amount of {$1900.00} that I paid and any late fee charges to be reduce from what Bilt says I owe for XXXX and sent to collections. I would also like for Bilt to reverse what I owe for XXXX, a payment that I missed due to BiltProtect being turned on and my never being notified. An email when this change happens would be considerate to send to customers in the future. This has been a real inconvenience and waste of time. Lastly, I would like Bilt to let XXXX XXXX, the collection agency, know that this was a mistake on Bilts behalf and to make sure that this no longer affects my otherwise perfect credit. There would have been no reason for Bilt to charge me on XX/XX/XXXX in the middle of the month since my XXXX payment was already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AR

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

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 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 2025-03-28 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 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 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance loan company reporting a voluntary repossession for a vehicle and I never had a loan with this company.

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 2025-03-28 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: GA

Complaint narrative:
I have requested, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that negative accounts on my credit reports be investigated.

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 2025-03-28 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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