vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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 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 explanation
Consumer complaint received 2025-03-27 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: MD

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 2025-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am being pursued for a debt I have already paid. I confirmed the group I owed for services that my payment was collected on XX/XX/year> and that I have no outstanding debt. TSI has been sending me texts prompting me to pay money I do not owe and will not pay to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 did an identity theft report and police report related to identity theft and sent this information to the credit reporting agencies. Transunion and Equifax removed this file on XX/XX/year> and XXXX XXXX reported in acct back on my file on XX/XX/year>. Transunion and Equifax then removed this acct again on XX/XX/year> and XXXX XXXX re-reported this account again on XX/XX/year>. I want this account removed from my Transunion and Equifax reports 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 explanation
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
Account name : XXXX Account number : XXXX Date opened : XX/XX/year>. 

Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 

Full name : XXXX XXXX Address XXXX XXXX XXXX mi XXXX SSN : XXXX Per 16 CFR 313.7 opt out notice, as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. Per 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99. I revolk all consent given to Account name : XXXX Account number : XXXX Date opened : XX/XX/year>. 

Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> to report any information on to my consumer repor

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 2025-03-27 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: DC

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 2025-03-27 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: NJ

Complaint narrative:
I am writing to notify I am a victim of identity theft and a data breach and I would all accounts mentioned to be blocked and deleted from my credit report immediately pursuant to FCRA 15 USC 1681c-2 ( a ) 1. XXXX XXXX XXXXXXXX 2. XXXX. # XXXX 3. XXXX. # XXXX 4. XXXX # XXXX 5. XXXX. # XXXX 6. 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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AZ

Complaint narrative:
This complaint is regarding my ongoing debit card dispute on my XXXX XXXX debit card, managed by XXXX XXXX. 

I have sent all documentation to XXXX XXXX from their email request on XX/XX/XXXX, and it was confirmed received by XXXX XXXX on XX/XX/XXXX. However, I have not received any responses to my next emails following up on the status of the resolution in my favor.

Im submitting this report to confirm the matter is being handled properly, as I have sent all required documents on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been paying my capital one business credit card on time but i ran into an issue with making the payment due to me being sick in the hospital having XXXX. i have never been more than 1 month late on making my payment until this one time. I am requesting, as this being my first occurrence with being 30 days late, that Capital one Business credit card department do a one time courtesy late removal off my credit report. I have paid my total past due balance of {$140.00} and have set my account on autopay so that i don't miss any further payments being sick or not. again i am asking that you guys remove the late payment remark off all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report.This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I receive multiple text messages from a company called either XXXX XXXX XXXX, or XXXX XXXX XXXX ( they use both names in the messages ). These messages are received on a weekly basis. They provide codes to access information about the debt, but when that information is put into the website 'the account can not be found '. Further, they are using my name from before a name change that occurred XXXX years ago, leading me to believe that whatever this debt is, it's outside of the statute of limitations and that the company is a predatory debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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, 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was unable to fulfill XXXX mortgage payment. XX/XX/XXXX, spoke to bank and agreed to option 2, which lowered my payment and the loan was to be extended and left intact avoiding Foreclosure sale. The mortgage was to be extended as a result. I have not received any legal documentation nor signed for any documents. No notice posted on my home. No further information or communication received. Never a registered document received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2025-03-27 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-27 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: CA

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

TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year>2025, I paid {$100.00} for an alignment service at XXXX and XXXX XXXX. After the service, I noticed that my car was still pulling to the right, which was the original issue that led me to seek the alignment in the first place. I went back to the shop, and they tried realigning the car again, but the issue remained. The shops employee then claimed that the problem was due to the tie rods, even though they had not properly diagnosed the issue. I never received any receipt or formal documentation, such as an alignment chart, or a work order. This lack of documentation made it difficult to prove the service was done correctly. The shop did not perform a full diagnosis and did not communicate with me after their second test drive, leading to a situation where I was unable to verify if the service had been completed properly. Additionally, they never provided a receipt for my payment. I requested a refund, but they refused and attempted to upsell additional services. I also had a similar issue with another shop, where they denied my dispute for a {$80.00} charge for alignment services that were not completed properly, despite showing evidence that the service was incomplete. I am requesting a refund for both charges as I did not receive the expected services in either instance. 

Attached is the alignment chart from the second shop, which shows that one of the wheels still had an issue and wasnt properly aligned. The lack of proper documentation and the incomplete service at both shops support my claim. I am seeking a full refund for both the {$100.00} and {$80.00} charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: One Source Technology
State: FL

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be BLOCKED AND DELETED FROM XXXX XXXX Last 4 of SSN XXXX My Date of Birth XXXX My Name is XXXX XXXX XXXX, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount is {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I want to dispute 2 late payments on my School First Credit Union - Credit Card. 
for XXXX and XXXX. I was in a XXXX XXXX XXXX XXXX XXXX I've also asked the Treatment Center for Documents to prove I was there but they can only e-mail the documents because they don't want to release information and break HIPPA Law.

Schools First can't provide me an e-mail so it's hard to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
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 response to consumer: Closed with non-monetary relief