vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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 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 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 2025-04-24 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$5100.00} XXXX  XXXX # XXXX XX/XX/year> -- {$640.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Im disputing an account for a XXXX XXXXXXXX XXXX that I did not authorize. The company claims I signed a contract, but I requested proof and never received any valid documentation. They said its not fraud but only referenced phone records. Theyre still reporting it to the credit bureaus without validating the debt. Im asking for help to get this removed since its harming my credit and doesnt meet FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
TransUnion is reporting inaccurate late payments for the following accounts, despite each showing a {$0.00} past due balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory notations are misleading and unjustified as they imply delinquency when no past due amount exists. I disputed the reporting directly with TransUnion and requested proper verification under 15 U.S.C. 1681i of the Fair Credit Reporting Act. However, the bureau failed to provide adequate documentation such as account statements or billing history that would prove the validity of these late marks. The continued reporting of negative payment history without any verifiable past due balance constitutes noncompliance with 15 U.S.C. 1681s-2 ( b ), which requires credit bureaus and furnishers to correct or remove unverifiable and inaccurate information. This misinformation unfairly impacts my creditworthiness and must be addressed.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ms XXXX XXXX XXXX XX/XX/year> Dear [ XXXX ], I am writing to formally dispute inaccurate information reported on my credit file. The information in question is associated with the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Balance Reported : {$640.00} Status : Collection/Charge-Off This account contains inaccurate and/or incomplete information, including but not limited to : Inconsistency in the date of last activity and date opened A balance still reported after closure Duplicate or outdated remarks not matching actual events The account showing a charge-off and collection simultaneously I request a full investigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide the original documentation that verifies this accounts reporting and update or remove any information that can not be verified or is found to be inaccurate. 

Attached you will find a copy of my government-issued ID and a recent utility bill as proof of identity and address. 

Please complete your investigation and provide a response within 30 days as required by the FCRA. If corrections are made to my credit file, kindly provide me with a copy of the updated credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-24 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: NY

Complaint narrative:
This complaint is not a mistakethere are clear inaccuracies on my credit report. These errors are seriously impacting me during an already difficult time. I kindly ask for them to be reviewed and corrected or removed 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have spent HOURS this week trying to talk to an agent on the phone about time-sensitive identity theft and it's extremely difficult to work with the limited automated system that Experian routes its customers through. This company must make agents available to discuss credit issues, like identity theft, fraudulent changes, etc. - an automated system that hangs up on you when you don't select one of its 4 preprogrammed prompts is unacceptable and predatory. Also, when I finally was able to talk to someone, they requested I send copies of all my sensitive information via mail or fax- it's XXXX - give consumers the option to use a secure portal.

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 2025-04-25 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This letter serves as a formal Cease and Desist demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my legal right to request that you immediately cease all communication with me regarding any alleged debt that you claim is owed. 

This includes but is not limited to : Telephone calls to my home, mobile, or workplace ; Voicemail messages or text messages ; Emails or letters ; And reporting or furnishing any information regarding this alleged debt to any credit reporting agency, as such reporting constitutes a form of communication under the FDCPA. 

Be advised that continued attempts to collect this debt including but not limited to the furnishing of information to credit reporting agencies will be documented as a violation of federal law and may be used as evidence should I choose to pursue legal action against your company for noncompliance.

Furthermore, if you believe this debt is valid, you are required to provide proper validation under 15 U.S.C. 1692g ( b ). If you can not do so, I request immediate removal of any reference to this account from any consumer reporting agency to which you have furnished such information. 

Let this letter also serve as a record that I dispute the validity of this debt. Any failure to comply with these directives may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

You are hereby notified. 

Sincerely, XXXX XXXX Let me know if you'd like to include any specific account number or tailor this to reference something like a collection on a lease, medical debt, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
This letter serves as a formal Cease and Desist demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my legal right to request that you immediately cease all communication with me regarding any alleged debt that you claim is owed.

This includes but is not limited to : Telephone calls to my home, mobile, or workplace ; Voicemail messages or text messages ; Emails or letters ; And reporting or furnishing any information regarding this alleged debt to any credit reporting agency, as such reporting constitutes a form of communication under the FDCPA.

Be advised that continued attempts to collect this debt including but not limited to the furnishing of information to credit reporting agencies will be documented as a violation of federal law and may be used as evidence should I choose to pursue legal action against your company for noncompliance.

Furthermore, if you believe this debt is valid, you are required to provide proper validation under 15 U.S.C. 1692g ( b ). If you can not do so, I request immediate removal of any reference to this account from any consumer reporting agency to which you have furnished such information.

Let this letter also serve as a record that I dispute the validity of this debt. Any failure to comply with these directives may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

You are hereby notified. 

Sincerely, XXXX XXXX Let me know if you'd like to include any specific account number or tailor this to reference something like a collection on a lease, medical debt, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I was a co signer on the parent plus loan. My daughter school closed down without warning to students and facility. Loan was cancelled, servicing company refuses to remove cancelled debt from my credit 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
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I'm writing this with full certainty and deep frustration. My credit report contains multiple errorswhich is the result of fraudulent activityand it's taking a serious toll on my life, finances, and peace of mind. These inaccuracies are blocking my access to financial opportunities and stability that Ive worked hard for. I am a victim of Identity theft, as some of the accounts being reported are clearly not mine and may have been added due to identity theft and mixed file issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I currently have capital one for everything. Accounts credit cards everything, I have had a charge made through their travel department since XX/XX/year>. 
I have made numerous attempts to get this credited as I no longer could travel ( I kept going back and forth with superiors with dispute team with capital one travel ). 
All which keep saying they cant help and send me off to the next person. 
All calls made for more than 40 minutes! 
Everyone tells me a different story, no copies of our recorded phone calls or emails of what was done. 
I honestly have had an issue with disputes so many times with this bank where they refuse to credit me. I have overpaid them so many times for charges due to me & I am sick of it. 
When I ask for a superior from the supervisor they say oh we can file a complaint & theyll reach out. 
So youre telling me not only do I have to wait more time for my money but I have to wait more time for someone to even talk to me,?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the XXXX  of my XXXX  to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 2025-04-24 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: SC

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-24 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: TX

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i regarding inaccurate and misleading information appearing on my credit report. 

The account from XXXX XXXX XXXX is currently listed as : Closed, with remarks : Profit and Loss Write-Off Yet continues to show late payment updates, including recent activity well after closure Reflects a Charge-off status but continues to report payment delinquency as if the account were open This reporting is deceptive, incorrect, and damaging. Per the FCRA, furnishers are legally required to : Report only complete and accurate information [ 1681s-2 ] Cease updating payment activity after account closure or charge-off unless a valid legal reason exists Correct or delete inaccurate information that can not be verified [ 1681i ( a ) ( 5 ) ] I was not informed properly of the repossession timing and denied an opportunity to reclaim or settle the vehicle before auction, which raises compliance issues under Texas state law and federal repossession protections, especially during or shortly after the COVID-19 forbearance protections that were inconsistently communicated.

Company response to consumer: Closed with explanation