vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-08 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-08 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:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I had a XXXX XXXX account opened in XXXX. I requested to close this account in XXXX. I made attempts to have this removed from my credit At time of closure with no action from XXXX. This account was closed but continued to report until XXXX. I believe this company went bankrupt in XXXX. This appeared as a closed account on my credit until today,XX/XX/XXXX where it was pulled from my XXXX report, causing a XXXX point credit score decrease.

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 2025-04-08 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: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-08 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: VA

Complaint narrative:
I have noticed that I have an account on my report that is reporting incorrectly. This is not my account & per law I have not received any information to show that this is my account & this is being reported on my credit report without my consent. This account is negatively hurting my credit. 

XXXX XXXX {$3600.00} on XXXX XXXX, 2016

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 2025-04-08 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I reached out to the company several times about inaccurate reporting on my account, and I provided proof of my lease ending. They are trying to say I owe XXXX rent, but my lease was up XX/XX/XXXX, and I left the apartment the beginning of XXXX and did a full walk through with the Maintenace men and paid XXXX rent in full. I also provided them with everything they asked for to verify that the information was incorrect, including a police report, because of constant break ins at the apartment. I asked for verification on their end, and I haven't received anything or heard anything back. This been on my report for 5 years incorrectly and it's affecting me from getting another apartment with false reporting from them. I have disputed this matter and requested verification on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX. I have sent letters to them XX/XX/XXXX and XX/XX/XXXX. I sent emailed proof again this year on XX/XX/XXXX, and they said they didn't receive it, so I sent it again XXXX XXXX. I still haven't seen or heard anything.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} INQUIRIES : XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
Due to XXXX data breach my personal info was exposed and a card was opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I was enrolled in Beyond Finance to resolve outstanding debt. With one of my creditors, they got a settlement offer, and made the final payment to the company on XX/XX/XXXX, and they reported to me that the settlement was complete. 
On XX/XX/XXXX that payment was kicked back but they did not notice this at any point, therefore the settlement was not complete and has continued to sit on my credit report for all this time. 

On XX/XX/XXXX, when looking through my statements, I found this error. I brought it to their attention, and I have gotten nothing but the run around from them and this is still not resolved or corrected. I have been in contact with them countless times to no avail. They also do not have any way to contact an account manager or supervisor directly, so every contact made has to go through multiple steps before eventually making contact with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX : # XXXX, XXXX CARD : # XXXX, has violated my rights.

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 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Subject : Unlawful Repossession and Lack of Documentation Westlake Portfolio Management To Whom It May Concern : I am submitting this complaint regarding a vehicle lease/loan originally serviced by American Car Center , which filed for bankruptcy. Several months after the bankruptcy, I was notified that Westlake Portfolio Management ( WPM ) had taken over servicing my auto loan. 

I repeatedly asked for a printed copy of the following listed documentation be mailed to me at the mailing address I provided multiple times, which I was told would be and I never received : XXXX. All account documentation, including payment history, any notices allegedly sent to the mailing address I provided multiple times, documentation of acquisition and scquistion date of my account from American Care Center, and the extension limit

policy. 2. A copy of the notice of default and right to cure, if one was issued prior to repossesion 3. A full explanation of the legal basis under which my vehicle was repossessed.

4. Immediate steps for resolution, including possible reinstatement of my loan or return of my vehicle.

I had been making payments on this vehicle for approximately five years. Due to severe medical issuesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fell behind on payments. I contacted XXXX to inform them of my situation each and every time I was hospitalized, went to the ER, and had surgeries, and I requested a deferment or payment extension. I was told that I had reached my extension limit, but I was never provided with documentation verifying this, despite several written and verbal requests. 

On XX/XX/year>, my vehicle was repossessed without any prior notice of default or intent to repossess, which I believe violates federal and Tennessee consumer protection laws. I only received an email after my vehicle was repossessed demanding a large payment within three days to retrieve my vehicle.

I believe Westlake Portfolio Management has failed to : 1. Provide required notices of default and repossession 2. Respond to my requests for documentation 3. Handle my hardship in good faith 4. Offer reasonable time or accommodation considering my medical situation I am requesting that the CFPB investigate this matter and ensure Westlake Portfolio Management provides a full accounting of my loan, documentation of any notices sent, and the legal justification for repossession without prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: RI

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 2025-04-08 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: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

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 explanation
Consumer complaint received 2025-04-08 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: NY

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 2025-04-08 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: NJ

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 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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Hi, I looked into my credit info and found a dept from XXXX XXXX XXXX Harris & Harris LTD. I have reached out to XXXX and they said they found no account with my name. This is fraud as I have no idea who or what account was involved. I have never used XXXX XXXX or given any permission to use it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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, 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 non-monetary relief
Consumer complaint received 2025-04-08 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Subject : Dispute of Inaccuracies on My Credit Report and Request for Removal Dear XXXX, I am writing to formally dispute the inaccuracies and accounts that do not belong to me on my credit report. Upon reviewing my credit report, I have identified several items that are incorrect and do not reflect my true financial history. As per the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated, corrected, and removed from my credit report. 

Specifically, the following accounts are inaccurate and should be removed : 1. DEPT OF ED/AIDVANTAGE Account Number is XXXX XXXX. It is a XXXX XXXX for the total of {$2100.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
2. DEPT OF ED/AIDVANTAGE Account Number is XXXX XXXX. It is a Student Loan for the total of {$3700.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
3. XXXX XXXXXXXX XXXX  XXXX XXXX Account number is XXXX XXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a XXXX XXXX credit card but my twin sister XXXX XXXX has. My legal name is XXXX XXXX. 
XXXX XXXX XXXX Account number is xxxxxxxxxxxx XXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a Discover credit card but my sister XXXX XXXX has. My legal name is XXXX XXXX These accounts either do not belong to me or contain erroneous information that needs to be corrected. I ask that you conduct a thorough investigation into these items and remove them from my credit report immediately. 

Additionally, under the provisions of the Fair Credit Reporting Act, I request compensation in the amount of {$1000.00} per inaccurate report as outlined in the FCRA, due to the financial harm caused by these incorrect entries. I would appreciate your prompt attention to this matter and request that you provide me with written confirmation of the results of your investigation.

Please inform me if you require any further information from my side to complete this investigation. I look forward to a prompt resolution of this matter within the 30-day period as stipulated by the FCRA.

Thank you for your attention to this important issue. I trust that you will act swiftly and in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation