vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute through XXXX XXXX and TransUnion on XX/XX/XXXX ( Dispute # XXXX ), and as of today, over 30 days later, it remains unresolved with no response or update. 

XXXX of the key accounts in question is a XXXX credit card that was closed on XX/XX/XXXX. Despite being closed for over three years, it is still reporting a balance of {$4000.00} as of XX/XX/XXXX. It also reflects multiple delinquencies and a 116 % utilization rate, which appears both inaccurate and outdated. This is having an unfair negative impact on my credit profile. 

I have attempted to get an update through XXXX XXXX and TransUnion but have received no follow-up. I am requesting CFPB assistance to ensure this dispute is resolved, and that my rights under the Fair Credit Reporting Act are upheld.

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 2025-04-11 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: NJ

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) by allowing XXXX. XXXX XXXX XXXX to report inaccurate and unvalidated information on my credit report. 

On XX/XX/year>, an account from XXXX. XXXX XXXX XXXX appeared on my credit profile without any prior validation or verification. This resulted in an immediate XXXX-point drop in my credit score. I had not received any debt validation, notice, or due process regarding this reporting. 

After I filed a complaint with the CFPB, the account was removed on XX/XX/year>, confirming that it was either unverified or unlawfully reported. Regardless of the removal, the harm had already been done. 

By law, the credit bureaus are responsible for ensuring the accuracy and legal validity of all furnished information. In this case, they failed. 

The bureaus violated the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon my dispute.

15 U.S.C. 1681c ( a ) ( 5 ) : Permitting the inclusion of obsolete, unverifiable, or invalid information.

15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with their legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: VA

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 2025-04-11 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: OH

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 2025-04-11 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: OH

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 2025-04-11 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-11 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: IL

Complaint narrative:
I wrote a letter about unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those inquiries from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX  data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer. 


FTC Report 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 2025-04-11 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my 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 non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Databreach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth as well as a police report. The account was previously removed but is now reinserted back on to my Equifax credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on my credit report, does not relate to any account I have opened or have knowledge. It is the result of identity theft. 
XXXX. 
XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I disputed medical debt on my credit report due to XXXX  XXXX XXXX that makes reporting medical debt no longer allowed. I submitted this dispute to XXXX  and also the debt holder XXXX XXXX XXXX XXXX. I have also mailed a dispute letter to the debt holder also. Nothing was done to remove the account from my credit report. My request was ignored. 

Now I am re-submitting this request to SynchroniXXXX Bank.

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 2025-04-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Company : Affirm On XX/XX/2024, I XXXX XXXX XXXX XXXX XXXX for a {$69.00} facial, for which I paid for in full. Afterward, I was taken to a darkened consultation room, where I was offered a package of cosmetic treatments, a RED LED device, and XXXX skincare products for a total of {$4500.00}, which I was told would help with my skin. 
I was not informed that I was signing a financing contract with Affirm. I believed I was simply advising medical information for a profile and reviewing services if I opted to purchase. More over, the XXXX gentlemen were concurrently asking questions, skin and health related, while asking for my phone number and drivers license. I never provided my social security number nor agreed to any type of financial agreement. It was very quick, and distracting, all while in the dark, closed room. 
Moreover, I have since relocated out of state due to a career opportunity and will be unable to receive any of the services. 
I also tried to return the RED LED device after it overheated, posing a safety concern. The spa refused to accept the return, citing " contamination protection, '' and claimed it was a " gift. '' If it was a gift, it should not be tied to a {$4500.00} financing contract. 
Despite their no refund policy, I believe the spa 's actions violate the XXXX  Deceptive Trade Practices Act ( DTPA ) by taking payment for services they can not provide, misrepresenting the financial agreement, and using high-pressure sales tactics in an environment where I could not fully see or read the documents. 
I have also contacted Affirm, the finance company, but they stated they can not cancel the agreement unless XXXX XXXX XXXX XXXX agrees to a refund, which the business has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
In my previous complaint I clarified that Planet Home Lending stated that all calls are recorded. If that be true then they should have XXXX once of their associates definitely stated they would speak to the foreclosure attorney about reinstating the loan. even though they sent the same information back as a response. 

In response to bullet 1, I am a XXXX XXXX XXXX City documents show that. I could not release the address where I was living due to that reason. XXXX  is a state where XXXX XXXX is at an all time XXXX. I was in fear for my life. I could not disclose that information to ANYONE. 

In response to bullet XXXX, yes XXXX of your agents definitely said this. Check phone call on the date XX/XX/year>. You will understand exactly what I am referring to. We even were told that we could purchase the house outright or cash for the full amount and no one ever called us back with that information. 

In response to the phone number being changed, I specifically called the Consumer Financial Protection Bureau to update that before I submitted my complaints. I also sent this in multiple emails directly to planet home lending which I can also prove. This information was definitely conveyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX Credit Bureau Re : Dispute of Non-Removal of XXXX  Record Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the continued reporting of a XXXX  record on my credit report that, according to a letter from LexisNexis, should have been removed from my file. 
On XXXX XXXX, I received correspondence from LexisNexis stating that the XXXX  entry was to be removed from my records. However, upon reviewing my recent credit report from XXXX, I found that the bankruptcy record has not been removed as indicated. The specific XXXX  entry in question is related to details provided from credit reports XXXX. 
I respectfully request that XXXX promptly update my credit report to reflect accurate information, in line with the instructions from LexisNexis. I have enclosed a copy of the letter from LexisNexis for your reference. 
Please investigate this matter and remove the bankruptcy record from my credit file as soon as possible. Additionally, I request a written confirmation once the correction has been made. 
Should you need any further information or documentation from my side to assist with this dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : XXXX of the letter from LexisNexis

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

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

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 2025-04-11 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: FL

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

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 2025-04-11 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to XXXX in XXXX  I lost my job and I had a good payment history with this company up until that point in time. I do not foresee any changes to my financial situation or employment status that would put me in a position to make those payments. I respectfully request that you forgive my alleged debt I settled the account already but it shows as a negative item on my credit report. I am current employed making approximately {$60000.00} annually and I would like another shot with the company. I wasnt very well educated with credit in my younger days I shouldve just requested to close the account but I dont want my mistakes when I was XXXX to affect my future. You can run my credit now Ive been working to build my credit and I dont mind starting with the lowest credit limit you have I just want a redemption do to XXXX XXXX stopping down my income. You can respond to my request through this email, my phone number, or to the address below at your earliest convenience. Thank you in advance for your understanding of my situation. The inquiries on my XXXX also hasnt removed and they are removed on my XXXX I need my credit reports to match so I wont be so confused.

Company response to consumer: Closed with explanation