vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
XXXX transferred my loan and did not notify me. When I found out, I paid the new company instead of XXXX and XXXX still reported my payment as XXXX  days late in 2023. 
They promised that they would remove it, but never did. for XXXX  days. I was told that it was being corrected but it is still on my credit 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 2025-04-01 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: NC

Complaint narrative:
XXXX transferred my loan and did not notify me. When I found out, I paid the new company instead of XXXX and XXXX still reported my payment as XXXX  days late in 2023. 
They promised that they would remove it, but never did. for XXXX days. I was told that it was being corrected but it is still on my credit 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 explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
XXXX transferred my loan and did not notify me. When I found out, I paid the new company instead of XXXX and XXXX still reported my payment as XXXX  days late in 2023. 
They promised that they would remove it, but never did. for XXXX  days. I was told that it was being corrected but it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

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 2025-04-01 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: PA

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX REFUSE MATERIALS - Incorrect Personal XXXX REFUSE - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX WAY - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX, D - Incorrect Personal

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 2025-04-01 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-01 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: NY

Complaint narrative:
I am writing to notify you I am a victim of identity theft and a data result that has result to all these negatives activities on my credit report and I am executing my rights under FCRA 15 USC 1681c-2 ( a ) I am demanding the remove of all these fraudulent account from my credit report. 
1. XXXX XXXX. # XXXX 2XXXX XXXX XXXX XXXX. # XXXX 3. XXXX XXXX XXXX. # XXXX 4. XXXX. # XXXX 5. XXXX XXXXXXXX XXXX 6. XXXX. # XXXX 7. XXXXl XXXX. # XXXX 8. XXXX XXXX. # XXXX 9. XXXX. # XXXX 10. XXXX XXXX. # XXXX 11. XXXX XXXX. # XXXX 12. XXXXXXXX XXXX # XXXX 13. XXXXl XXXX. # XXXX 14. XXXX # XXXX 15. XXXX. # XXXX 16. XXXX. # XXXX 17. XXXX. # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am writing to notify you I am a victim of identity theft and a data result that has result to all these negatives activities on my credit report and I am executing my rights under FCRA 15 USC 1681c-2 ( a ) I am demanding the remove of all these fraudulent account from my credit report. 
1. XXXX XXXX. # XXXX 2XXXX XXXX XXXX XXXX. # XXXX 3. XXXX XXXX XXXX. # XXXX 4. XXXX. # XXXX 5. XXXX XXXXXXXX XXXX 6. XXXX. # XXXX 7. XXXXl XXXX. # XXXX 8. XXXX XXXX. # XXXX 9. XXXX. # XXXX 10. XXXX XXXX. # XXXX 11. XXXX XXXX. # XXXX 12. XXXXXXXX XXXX # XXXX 13. XXXXl XXXX. # XXXX 14. XXXX # XXXX 15. XXXX. # XXXX 16. XXXX. # XXXX 17. 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 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/XXXX, i received multiple calls and text messages from eastern account systems about a debt to spectrum/charter communications in the amount of XXXX, my last bill from spectrum was XXXX on XX/XX/XXXX. I got Eastern account systems off of my credit it report XXXX XX/XX/XXXX due to incorrect amount due And then Sunrise credit services Group picked up the debt and opened it on XX/XX/XXXX for spectrum for XXXX and it's received several calls and text messages from the company. Sunrise credit services Group was deleted off my credit reports XX/XX/XXXX. For incorrect amount owed to spectrum/charter communications.

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 2025-04-01 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: NV

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 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 2025-04-01 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: NV

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
A company called Trans World Systems INC. has called me at least 12 times in the last couple weeks, I can hardly understand what they are saying most of the time, they ask my name when calling, so it seems they don't even know who I am. I have asked the callers repeatedly to stop calling me. I asked where they are located, and the woman said " we're not allowed to disclose that information '' What legitimate company won't tell you where they're located? I did some research and it appears that this company is a debt collection agency. I am not aware of any debt I may owe. My XXXX score is XXXX as of today so don't think I have an outstanding debt to anyone, or company. I believe the company has a branch in XXXX XXXX FL., headquartered in XXXX XXXX Illinois , and has branches in XXXX XXXX and XXXX LA . I am reporting all the unwanted and harassing calls to our local authorities. Numbers that are calling me non-stop are XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The Midland XXXX XXXX XXXX was asked to send me the information regarding the original debt. This company failed to do so, they sent me a generic letter from XXXX XXXX XXXX, regarding none of the information I asked them for. They could not provide the information I asked for. When I asked them to remove this from credit report is has still been there for the last XXXX years. They would not send the correct information, nor have they removed this item from my credit report. 
When I called them in XXXX, they told me they could not give me any information regarding this account. I verified who I was, and that is what they told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
Please refer to CFPB complaint XXXX as describes underlying errors on the part of Alliant which I tried my best to resolve as evidenced by at least XXXX secured customer service calls, and at least XXXX secured messages to Alliant.

As a last resort and out of desperation to preserve my life savings, since Alliant was unable to respond to and resolve their errors, I instructed Alliant to close account and return all my funds. By this time, the window for me to transfer my funds to another institution in an IRA XXXX had elapsed. 

I have maintained my IRA funds without any intention of making any withdrawals until I reach XXXX XXXX XXXX. I was simply trying to transfer my matured IRA XXXX from XXXX to Alliant. Now, because of Alliant 's incompetence and errors, I will have a tax liability for for which I hold Alliant responsible. 

As I have described in my complaint XXXX, even when Alliant did finally apply the check they cashed ( made out to me and endorsed to Alliant exactly how their customer service staff instructed me ) to open an IRA XXXX there was no maturity date or interest rate. Again I contacted Alliant to determine the terms of the XXXX they opened with my funds and learned the wrong interest rate was applied. 

The jumbo rate for an IRA XXXX listed on Alliant website is " Jumbo IRA XXXX XXXX XXXX $ XXXX '' which I was seeking from the beginning of this fiasco. 

At that point, I had no confidence in Alliant at all. I will seek to be made whole by Alliant insofar as the tax and other liabilities that I will incur as a result of Alliant 's incompetence. 

I am a senior who is caring for my adult child who has stage XXXX XXXX. I am in and out of hospitals frequently with him. My energy and time are limited but will seek all avenues available to hold Alliant responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX  ** **Account XXXX : XXXX **Amount : $ XXXX **Date of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

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 explanation
Consumer complaint received 2025-04-01 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: NY

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 2025-04-01 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$220.00} XXXX XXXX & XXXX - XXXX XXXX XX/XX/XXXX XXXX {$9500.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX  XXXX/XXXX  BA - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-01 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were pl

aced on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or
delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-01 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-01 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-04-01 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 explanation