vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX be attached in a word document. I am a victim of identity theft. 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 theft of my identity XXXX 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 XXXX section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMT Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX keeps calling from XXXX. They ask me to call back and then say they are reporting me to credit bureaus for a debt they can't give me any information about. Then they hang up each time I call.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft I am writing to formally request the removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have been a victim of identity theft, and I have identified specific information on my credit report that is not related to any transaction I have made. 

Please find the details of the fraudulent information below : Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * I have enclosed the following documentation to support my request : A copy of the identity theft report filed with the Federal Trade Commission ( FTC ), reference number : XXXX. 

In accordance with FCRA 605B, I request that you block the reporting of this information within four business days of receiving this request. Additionally, please notify the furnisher of this information that an identity theft report has been filed and that a block has been requested. 

Please confirm in writing that the fraudulent information has been removed from my credit report. If you need any further information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue swiftly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen XXXX I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right XXXX request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for their willful XXXX  negligent violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

Equifax is inaccurately reporting late payment notations on a XXXX XXXX XXXX ( Acct # XXXX ) that was fully paid off, and for which I was never late. I have submitted formal written disputes XXXX Equifax demanding the removal of this inaccurate tradeline. 

Both XXXX XXXX XXXX have acknowledged my dispute, conducted proper investigations, XXXX removed this account from my credit file. Equifax, however, continues XXXX report this false information despite having no verifiable proof XXXX substantiate the late payment claims. 

This reckless XXXX willful reporting of false credit information has caused me financial harm, denied credit opportunities, emotional distress, XXXX damage XXXX my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Medical bill says I incurred a bill for {$900.00}. I havent been to medical and I have insurance coverage if I needed to go to be seen. They also put it on my credit XXXX so it looks like XXXX bills. Absolutely wrong.!!!! Please remove. This isnt my bill.!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GREENSKY OPERATIONS, LLC
State: NC

Complaint narrative:
Subject : Identity Theft Dispute of Fraudulent Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I am a victim of identity theft XXXX am not responsible for the fraudulent account listed below. Despite providing supporting documentation, this account remains improperly associated with my credit profile. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX I have attached valid identity theft documentation XXXX  this complaint, including my Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX, I am requesting that this fraudulent account be blocked XXXX  permanently removed from my credit report. I did not open or authorize this account, XXXX it is a result of identity theft. 

XXXX date, this account continues XXXX appear on my credit report, XXXX no adequate resolution has been provided despite proper submission of documents. I respectfully request the XXXX assistance in ensuring full compliance with FCRA guidelines and that XXXX XXXX XXXX XXXX XXXX XXXX take immediate action XXXX remove XXXX cease reporting of this fraudulent tradeline. 

Thank you for your attention XXXX this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled XXXX  an accurate credit report. I am requesting a review of these entries, XXXX if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
This is not my cell phone bill. It belongs XXXX a family member that has been diagnosed with XXXX XXXX has XXXX XXXX. Somehow my information was used. This is not my account, not my phone bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required XXXX provide proof of debt validation within XXXX 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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled XXXX  an accurate credit report. I am requesting a review of these entries, XXXX if they can not be verified as accurate, they should be removed.

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was never late on this paid off account. And this was during the aftermath of XXXX. Please show me documentation showing proof of a transaction showing I was ever late XXXX  support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per XXXX XXXX XXXX a creditor may not treat a payment on a credit card as an open ended consumer credit plan I reached out earlier and SETF closed my complaint XXXX  requested more info. Here it is provided. 

Vehicle Information : Year : 2013 Make : XXXX Model : XXXX XXXX : XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Snapshot of Credit Report : Please find the attached screenshot from my credit report where Southeast Toyota Finance is listed as a tradeline. 

If there is any additional information needed to locate the account, Im happy to provide it. I appreciate your time and assistance in resolving this matter. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX be attached in a word document. I am a victim of identity theft. I have multiple accounts XXXX 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 theft of my identity to the Federal Trade Commission XXXX 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 XXXX section XXXX of the Fair Credit Reporting Act.

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 2025-04-21 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: NY

Complaint narrative:
I was shocked XXXX discover an unauthorized inquiry on my credit report today, XXXX I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, XXXX I need it addressed without delay. I am requesting a thorough review of my submitted documents XXXX  ensure this never happens 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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies and improper handling of my account # XXXXXXXX XXXX XXXX XXXX XXXX  under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and related consumer protection laws. The information you have reported regarding this account is erroneous and has caused undue harm to my credit reputation and financial standing. 
Basis of Dispute : Inaccurate Reporting of Late Payments : The account contains late payment entries that are inaccurate and unverifiable. These reports do not align with my payment history and fail to reflect the account 's actual status. 
Failure to Properly Investigate Disputes : Despite prior attempts to address these inaccuracies, Santander XXXX  USA XXXX has not conducted a reasonable investigation or provided sufficient evidence to validate these claims, as required under the FCBA. 
Improper Handling of Billing and Payments : Your rebilling of the alleged late amounts occurred without proper explanation or adherence to statutory requirements for notifying and resolving disputes in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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, 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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Vehicle was repossessed and finance company, Credit Acceptance Corporation & vehicle was sold at auction anyway even though I was under a payment plan on XX/XX/year> with the finance company to get my car out of repossession.. I have diligently been paying them the monthly payments since XX/XX/year>. I am 100 % certain that they are operating a scam operation because they can not tell me what my payments have been to them as I have been paying them since XX/XX/year>. These have been documented through my online account. Now they are telling me that I owe them even more money. I am tired of owing them more money when I AM CURRENTLY UNDER A PAYMENT PLAN. WHERE DOES THIS END? This finance company has to be regulated. I originally bought my car through XXXX XXXX in XXXX, VA and their dealership had a XXXX XXXX dealership out of XXXX, VA. I keep getting hung on and I will report the finance company to the IRS. I have called the scam finance company today and frankly I am not going to be extorted for any more money by a scam finance company as of today, XX/XX/year>.

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 monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-04-21 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: MOHELA
State: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In regards to XXXX the account was closed on XX/XX/year> and I had submitted a dispute on XXXX XXXX to get the report of a balance of {$320.00} in addition the remarks section says account closed by creditor grantor and profit loss and write-off. 

As for the account CAPITAL ONE it was closed in XX/XX/year> have submitted a dispute on XXXX XXXX to get the report of a balance of {$490.00} also in the remarks section it states account closed by creditor grantor as well as profit loss and write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Good day, Im reaching out in complete frustration over a collection account on my credit report that has absolutely nothing to do with me. I never opened or authorized this account, yet I'm being harassed through emails, calls, and messageswith even threats of legal action. Its overwhelming, mentally exhausting, and truly disrespectful to my rights as a responsible consumer. As someone who takes their credit seriously, its shocking and disheartening to be dealing with something I didnt cause.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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