vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted dispute letters on XX/XX/XXXX and XX/XX/XXXX regarding inaccurate accounts. I received no response or investigation results within the XXXX period for neither date as required by FCRA.

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 2025-05-12 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: KY

Complaint narrative:
This account is not mine, I have no knowledge of this account, please delete per 15 USC 1681 a, b, s, n

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 2025-05-12 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 confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-12 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 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 2025-05-12 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: SC

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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by t collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action.

This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 without the permission or expressed written consent of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), requesting that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit report within XXXX business days : A collection account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> A collection account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> These accounts were not opened by me, authorized by me, or initiated by me in any form. They are the result of identity theft and fraud. I have attached my consumer FICO credit report, which documents the fraudulent items, as well as the FTC Identity Theft Report XXXX  ( private case number ) to support this claim.

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 2025-05-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was listed as an authorized user on a XXXX XXXX credit card issued by Comenity Bank. I was removed from the account in XX/XX/year>, which has been reflected on my credit report. However, XXXX is refusing to provide a written confirmation of my removal even though I am no longer associated with the account. This is preventing me from fully documenting my separation from the account and ensuring clarity with creditors or lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
XX/XX/XXXX Mr. Cooper Loan Number : XXXX Case Number : XXXX Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Mortgagor : XXXX XXXX Dear XXXX XXXX : I have received your response letter dated XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I received notices from Mr. Cooper advising that my wind insurance had expired. I was confused because my homeowners insurance, which included wind coverage, was in effect and is paid by Mr. Cooper through escrow. During this period, Mr. Cooper failed to adequately communicate that my homeowners insurance at the time was not sufficient to meet the new requirements that Mr. Cooper failed to notify me of in a timely manner. Why would I be retroactively charged beginning XX/XX/XXXX for wind insurance when : XXXX. ) Mr. Cooper self-proclaims that it did not advise me in writing until XX/XX/XXXX that there was a deficiency in my current insurance. 

XXXX. ) Failed to adequately explain why the wind coverage that was in effect was insufficient and XXXX. ) Sent an escrow overage check to me at the beginning of XXXX, XXXX? 

I do not accept XXXX XXXX fuzzy analysis. I believe that Mr. Cooper is attempting to falsely raise escrow requirements to recoup payouts for storm and hurricane damage claims made by other mortgagors. However, I am glad to read that this is resolved as you stated, As of this response, we have received evidence of wind insurance coverage from XX/XX/XXXX, to XX/XX/XXXX. You will want to update the RESPA REPONSE TO NOTICE OF ERROR to reflect that there was an error. Please send me a letter showing where this information has been corrected, and provide a corrected and revised XXXX  XXXX XXXX. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have called to close my account but the automated system sucks and I can't connect to a real person without getting disconnected. 

I have a {$0.00} balance and no pending transactions. I no longer need this account and want it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at 15 U.S. Code 1681 et. seq., this creditor has violated my rights. Under 15 U.S. Code 1681 602 ( a ) 4, it is stated that I have the right to privacy. Furthermore, 15 U.S. Code 1681b 604 Sec. 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, 15 U.S. Code 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Given this unlawful account is unrelated to me, kindly remove it from my credit record. I also ask for a quick inquiry to find and fix any additional mistakes.

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 2025-05-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint because all three credit bureausTransUnion, Experian, and Equifaxhave failed to update my credit report despite having received confirmed documentation showing that several inaccurate or fraudulent accounts were deleted. These updates were confirmed by the original creditors or collectors. I am requesting immediate intervention to ensure that all deleted items are reflected on my credit reports without further delay, as this is preventing me from accessing financial services. This matter is urgent and I ask for a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint because all three credit bureausTransUnion, Experian, and Equifaxhave failed to update my credit report despite having received confirmed documentation showing that several inaccurate or fraudulent accounts were deleted. These updates were confirmed by the original creditors or collectors. I am requesting immediate intervention to ensure that all deleted items are reflected on my credit reports without further delay, as this is preventing me from accessing financial services. This matter is urgent and I ask for a speedy resolution.

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 2025-05-12 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: MI

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 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 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 2025-05-12 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:
Accounts are wholly inaccurate and keeps reappearing on my reports after being disputed and removed. The highlighted accounts included in my letters to the credit bureaus are showing late payments, different amounts across the other bureaus, different and inaccurate open account dates and things that shouldn't be reporting. My consumer protection rights are being violated as well as my privacy 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 2025-05-12 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:
Subject : Dispute of XXXX XXXX XXXX Account XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of a XXXX  XXXX XXXX credit card account on my credit report. This account is being reported negatively and is impacting my credit standing, yet I am not the owner of this account. I was only listed as an authorized user. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( XXXX ) and FCRA Section 603, credit reporting agencies are only permitted to report accurate information related to a consumers credit obligations. As an authorized user, I had no legal responsibility for repaying this debt. Furthermore, under FCRA Section 611, I am entitled to dispute any information I believe is inaccurate or incomplete. 

The account in question was closed and charged off as of XX/XX/year>, and is now in collections. I have attached documentation from my credit report showing that I was only an authorized user, yet the delinquent status and collections balance are being attributed to my credit file. This is a violation of federal credit reporting guidelines. 

I respectfully request that the CFPB assist in directing the credit reporting agencies and XXXX  XXXX XXXX to : XXXX. Immediately remove all negative reporting related to this account from my credit file. 
XXXX. Confirm in writing that the information has been deleted and will no longer be reported. 

Attached are screenshots of the account details and payment history clearly indicating my status as an authorized user. 

Thank you for your attention to this matter. I request a prompt resolution in accordance with federal law. Please let me know if any further information is required.

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 2025-05-12 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:
Subject : Dispute of XXXX XXXX XXXX Account XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of a XXXX  XXXX XXXX credit card account on my credit report. This account is being reported negatively and is impacting my credit standing, yet I am not the owner of this account. I was only listed as an authorized user. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( XXXX ) and FCRA Section 603, credit reporting agencies are only permitted to report accurate information related to a consumers credit obligations. As an authorized user, I had no legal responsibility for repaying this debt. Furthermore, under FCRA Section 611, I am entitled to dispute any information I believe is inaccurate or incomplete. 

The account in question was closed and charged off as of XX/XX/2024, and is now in collections. I have attached documentation from my credit report showing that I was only an authorized user, yet the delinquent status and collections balance are being attributed to my credit file. This is a violation of federal credit reporting guidelines. 

I respectfully request that the CFPB assist in directing the credit reporting agencies and XXXX  XXXX XXXX to : XXXX. Immediately remove all negative reporting related to this account from my credit file. 
XXXX. Confirm in writing that the information has been deleted and will no longer be reported. 

Attached are screenshots of the account details and payment history clearly indicating my status as an authorized user. 

Thank you for your attention to this matter. I request a prompt resolution in accordance with federal law. Please let me know if any further information is required.

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 2025-05-12 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: SC

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Account XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of a XXXX  XXXX XXXX credit card account on my credit report. This account is being reported negatively and is impacting my credit standing, yet I am not the owner of this account. I was only listed as an authorized user. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( XXXX ) and FCRA Section 603, credit reporting agencies are only permitted to report accurate information related to a consumers credit obligations. As an authorized user, I had no legal responsibility for repaying this debt. Furthermore, under FCRA Section 611, I am entitled to dispute any information I believe is inaccurate or incomplete. 

The account in question was closed and charged off as of XX/XX/year>, and is now in collections. I have attached documentation from my credit report showing that I was only an authorized user, yet the delinquent status and collections balance are being attributed to my credit file. This is a violation of federal credit reporting guidelines. 

I respectfully request that the CFPB assist in directing the credit reporting agencies and XXXX  XXXX XXXX to : XXXX. Immediately remove all negative reporting related to this account from my credit file. 
XXXX. Confirm in writing that the information has been deleted and will no longer be reported. 

Attached are screenshots of the account details and payment history clearly indicating my status as an authorized user. 

Thank you for your attention to this matter. I request a prompt resolution in accordance with federal law. Please let me know if any further information is required.

Company response to consumer: Closed with explanation