vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-03 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:
Please provide me with a Forward Flow Agreement and a Chain of Assignment. In regards to this account. Original holder of account is a XXXX XXXX XXXX XXXX company it says in the amount of XXXX My name is XXXX XXXX I have not open a account with any XXXX XXXX XXXX XXXX company. Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. Please review my complaints I filed against XXXX XXXX XXXX with the CFPB and XXXX. Immediately remove this from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Please provide me with a Forward Flow Agreement and a Chain of Assignment. In regards to this account. Original holder of account is a XXXX XXXX XXXX XXXX company it says in the amount of XXXX My name is XXXX XXXX I have not open a account with any XXXX XXXX XXXX XXXX company. Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. Please review my complaints I filed against XXXX XXXX XXXX with the CFPB and XXXX. Immediately remove this from my credit 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 explanation
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
Please provide me with a Forward Flow Agreement and a Chain of Assignment. In regards to this account. Original holder of account is a XXXX XXXX XXXX XXXX company it says in the amount of XXXX My name is XXXX XXXX I have not open a account with any XXXX XXXX XXXX XXXX company. Do not call or harass me. Cease and Desist unless you are contacting me about removing this off my credit reports. I'm ready to file small claims case in the full amount of XXXX. In which your company will have to hire a lawyer and show up to court. With documents saying this account is mine and I have my police report and my FTC fraud report in hand to say otherwise. Please review my complaints I filed against XXXX XXXX XXXX with the CFPB and BBB. Immediately remove this from my credit 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 2025-02-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: ID

Complaint narrative:
I am writing to report two unauthorized {$1.00} transactions that were attempted on my Chime virtual credit card on XX/XX/year>2025. Both were declined due to incorrect CVV entry. The details are as follows : 1. Merchant : XXXX Location : XXXX, XXXX XXXX : {$1.00} 2. Merchant : XXXX Location : XXXX, XXXX XXXX : {$1.00} I am very concerned because these transactions were not authorized by me. Additionally, when I contacted customer service, I had a hard time understanding the representatives due to a language barrier, and they seemed to struggle with understanding my concerns as well. Despite requesting a transfer to another representative, my request was not honored. This has left me worried that my account may not be fully secure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MD

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 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 2025-02-03 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 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
In XX/XX/year>, I closed my XXXX account. I owed {$0.00} and all my phones were paid off. Therefore, I closed everything concerning XXXX and had a {$0.00}. XXXX withdrew for two months ( XXXX and XXXX ) a XXXX  payment. I had an automatic withdraw-which never was stopped. After several phone calls trying to rectify that I owe them {$0.00} because I closed the account at a XXXX balance. XXXX then stated a " free '' line that was on the account wasn't closed. The whole account was closed with a XXXX balance. I couldn't even look up my account online after I closed my account w/XXXX in XXXX because it didn't exist. Now, XXXX sent it on XX/XX/XXXX to Amesure Collections Agency for {$440.00}. Contacting XXXX and all the time has gotten no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the information reported on my credit profile. Under the Fair Credit Reporting Act [ FCRA ], specifically citing 15 USC 161b. Which governs permissible purposes for obtaining a consumers credit report.

I have not provided any type of written consent for the disclosure of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the information reported on my credit profile. Under the Fair Credit Reporting Act [ FCRA ], specifically citing 15 USC 161b. Which governs permissible purposes for obtaining a consumers credit report.

I have not provided any type of written consent for the disclosure of my information.

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 2025-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUHOME SOLUTIONS, LLC
State: FL

Complaint narrative:
In XXXX, I receieved assistance with my mortgage from a third party church. XXXX XXXX sent that payment back to the church which made me have to pay an additional {$800.00} in XXXX. In XXXX, the mortgage company has reversed the payment 3 times for {$1800.00}. The money is being taken out of my bank account and sent back to my account from the lender. I have tried to talk and ask them what's going on but they refuse to explain anything to me. Also, my mortgage was XXXX and now its XXXX no one will explain what that is about nor is there any documentation of this change. I believe the mortgage company is intentionally reversing the payment so I can get behind. Their attitude when I call is extremely noticeable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed these accounts.

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 2025-02-03 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 am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: Source Receivables Management LLC
State: NY

Complaint narrative:
XX/XX/year> - Source Receivable MNG ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$290.00} ) I have no knowledge of this account or its creditor XXXX XXXX XXXX XXXX XXXX {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-03 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: PA

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

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 2025-02-03 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: VA

Complaint narrative:
I am disputing an incorrect charge-off on my credit report for TransUnion. I have fully paid off my vehicle, but the account is still reported as a charge-off. I have attached proof of my final payment. Please investigate and correct this error.

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 2025-02-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing an incorrect charge-off on my credit report for TransUnion. I have fully paid off my vehicle, but the account is still reported as a charge-off. I have attached proof of my final payment. Please investigate and correct this error.

Company response to consumer: Closed with explanation