vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
In accordance with the Fair Credit Reporting act. The List of credit inquires that shown below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Date : XX/XX/XXXXXXXX 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 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 XXXXXXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I came across the CFPB Experience lawsuit I feel that I was negativately impacted, hurting my chances at credit after receiving ( not not receiving any response that the information was correct and verified. 

I have submitted to the CRA Notarized affidavits with copies of my State ID/DL along with mails showing me the correct spelling of my name and address, and for the CRA to update my credit profile with the correct information. 

I informed then that the law states that CRA must have report the correct information, additionally there are companies that I have never been employed with and or address I have never lived at and I have been out of the country for a few years. 

Prove that my XXXX ID is incorrect or remove and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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, 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 2025-04-23 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: LA

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  To : LVNV Funding LLC XXXX XXXX XXXX XXXX IL XXXX Re : Cease and Desist FCRA and FDCPA Violations Reference Number : XXXX Original Creditor Account Number Ending In : XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Balance : {$1600.00} To Whom It May Concern, This letter serves as a formal notice and demand for you to immediately cease and desist from any and all forms of communication with me regarding the above-referenced alleged debt. You have contacted me repeatedly by phone, text, email, and mail regarding a debt that I do not acknowledge and for which you have provided zero verifiable proof of ownership or legal authority to collect. Your continued attempts at contact are harassing, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ), and may also be considered unauthorized collection activity under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ).

Be advised of the following : I have no contractual relationship with LVNV Funding LLC.

I am demanding full validation of this debt as required under 15 U.S. Code 1692g ( b ). You must provide clear and complete documentation from the original creditor, XXXX XXXX XXXX XXXX, that proves : The full chain of title showing legal transfer of this debt to LVNV Funding LLC. 
That you have legal standing to collect this debt. 
That the alleged amount is valid and accurate. 
If you are reporting this debt to any credit reporting agency, be aware that furnishing unverifiable or inaccurate data is a direct violation of the FCRA and I will not hesitate to pursue all legal remedies available. 
Until and unless you provide the legally required documentation to validate this debt, I demand that you : Cease all forms of contact with me immediately, including but not limited to phone calls, texts, emails, and letters. 
Remove any and all information related to this account from my credit report, if reported. 
Refrain from selling, transferring, or assigning this alleged debt to another agency. 
Failure to comply with this cease and desist request will leave me no choice but to report your actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. Furthermore, I will pursue legal action for harassment, unauthorized collection activity, and any other violation of federal and state consumer protection laws. 
You are hereby notified. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
They sold to someone else and I paid It off but XXXX is not showing that.asking them to show paid by verifying who they sold the account to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
They sold to someone else and I paid It off but XXXX is not showing that.asking them to show paid by verifying who they sold the account to.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
They sold to someone else and I paid It off but XXXX is not showing that.asking them to show paid by verifying who they sold the account to.

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 2025-04-23 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: CA

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to file my taxes, when I got to the payment part their systems failed and said my card wasn't accepted. They told me to scan the card again ; I scanned it 6 times before it went through. The next day when I checked my bank account, there was XXXX taken out from XXXX XXXX XXXX. I called XXXX XXXX XXXX  to get the money back and they told me that the bank was holding onto the money, when I called my bank ( Truist ) they said that XXXX XXXX XXXX was holding onto my money. This went back and forth for months, XXXX XXXX XXXX  gave me false case numbers, and the bank was no help whatsoever. I ran my credit card through, and I was reimbursed with that money, but the XXXX from my debit card is still missing.

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XXXX XXXX. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX XXXXXXXX XXXX XXXX  credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am reporting on equifax, requesting more information about my credit report that they filed on me but can't find in their system. 
Please have equifax delete all unverified, lost, and misleading documents from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
This account is completely unknown to me. Ive never opened it, and I have no connection to it. After reviewing my records thoroughly, its clear that this is not my account and appears to be a case of mixed or incorrect data.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up a Capital One credit card since they advertised a {$200.00} bonus if I spend {$500.00}. I spent {$500.00} expecting the {$200.00} to show up on my statement. It did not show up on my statement, so I called them. The Capital One supervisor XXXX, Employee # XXXX, advised that my promotion was rejected for some reason. How can the promotion be rejected, but I was approved for the card? It doesn't make sense, they should have rejected me all together at that point. At this point this is false advertising, and I could have spent my {$500.00} on a different card that is honorable. I just want them to honor the {$200.00} bonus due to me. 

So I filed a complaint through XXXX XXXX XXXX ( not realizing they are only a mediator, and can't enforce any corrective action ). Capital One responded, with false information and dates, mind you. They back tracked on the next response to claim the false date was a typo. I have a feeling it wasn't even a typo. I provided solid evidence that I clicked the correct link and they are still denying the fact that they owe me {$200.00}.

They are trying to get away with false advertising and they scammed me. I wasted {$500.00} of my hardworking money. I have researched and found this offer has been active since XX/XX/year>, til the day. So why can't they honor it, this promotion is still active?! 

Can you help enforce the promotion that they offered me and blatently denied me for no reason other than, false advertising. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. 

XXXX truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to meXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX. 
I used to have a business checking account with Citi bank and issued a cashier 's check from my business checking. And it was deposited back to my business checking account. Then my business checking account was suspended and I did not get my fund yet. The fund ( {$130000.00} ) is still on hold in Citi and I did not get it yet with unknown reason. The Cashier 's check number is # XXXX and my Citi business checking account number is XXXX My personal information is as below. 
Name- XXXX XXXX Date of birth : XX/XX/year> SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX : XXXX Buisness name- 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 2025-04-23 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-23 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: CO

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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