vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX To : TRANSUNION RE : Formal Dispute XXXX XXXX Account # XXXXXXXX XXXX XXXX  Authorized User Account with False Derogatory Reporting * * To Whom It May Concern, This is a formal dispute submitted under FCRA 1681i. I am disputing the inclusion of a XXXX XXXX XXXX XXXX credit card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) currently appearing on my credit report. I am listed on this account only as an authorized user, not a joint or primary account holder.

Violations Identified : 1. I Am Not Financially Liable FCRA 1681c-1 ( a ) ( 4 ) As an authorized user, I am not legally responsible for the balance, payments, or history of this account. Including derogatory payment history for a non-liable party is a direct violation of the FCRA. 
2. The Account Is Closed Removal Can not Be Requested from Creditor Because this account was canceled by the credit grantor, I can not request to be removed as an authorized user. It is the credit bureaus duty to delete the tradeline in full if it is harming a consumer who is not responsible.

3. Derogatory Marks Are Damaging and Misleading FCRA 1681e ( b ) The reporting of 30, 60, and 90-day lates on this AU account creates the false appearance of personal delinquency, which is materially misleading and has caused significant damage to my credit profile.

Request for Immediate Deletion : I am requesting that this account be deleted entirely from my credit file.

I am not responsible for the account, can not remove myself through the creditor due to closure, and the data being reported is both harmful and legally inaccurate.

If not deleted within the legally required timeframe, I will file complaints with : The CFPB The FTC And pursue civil remedies under FCRA 616 and 617 Sincerely, 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 2025-05-13 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: MD

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The restaurant XXXX in XXXX XXXX, Florida charged my card {$93.00} when my bill I signed for was {$49.00}. I have disputed the charge twice with capital one and submitted my original receipt with the date the charge was made. I even have my sisters charge to her bank since we split the bill. Capital one continues to deny the dispute even with the receipt submitted. I have attached all documents here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent account were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about this account. These fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please see attached the FTC Identity Theft Report that includes all fraudulent 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 2025-05-13 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: AZ

Complaint narrative:
XXXX started my annual background check around mid XXXX with checkr. I have not received any response regarding my inquiries into why its taking so long. This is affecting my ability to work since XXXX  wont allow me to drive until the background check is complete. Checkr wont tell me whats taking so long. They just keep saying there are delays but delays shouldnt last this long. All they keep doing is pushing the estimated completion date forward. XXXX refuses to investigate the issue either. Ive been a driver with XXXX  for 10 years and Ive never had this issue. I just want to know why its taking so long and when I can get back on the uber platform again to continue driving. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am submitting this complaint against NCB Management Services , Inc. regarding a collection account for the amount of {$5700.00} that they claim I owe. 

According to them, this balance is related to a remaining amount not covered by gap insurance after a vehicle I financed was declared a total loss. They stated that the XXXX  insurance did not cover the full amount, and they are now trying to collect the difference. 

NCB contacted me by phone and mail about this debt. In response, I sent them a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). 

They replied by sending a package of documents, but none of them include my signature. There is no signed contract or document that proves I agreed to this XXXX coverage or to the responsibility for this alleged balance. Therefore, I can not acknowledge this debt as valid. 

I am requesting that this collection account be removed from my credit reports and that NCB Management Services cease all collection efforts, as they have failed to provide proper validation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
To Whom It May Concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-13 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: AZ

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 2025-05-13 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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK 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 explanation
Consumer complaint received 2025-05-13 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 have tried to get these items removed from my profile multiple times, I have asked for more information regarding these accounts and I have gotten no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-05-13 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, two unauthorized charges totaling over {$500.00} were made to my Discover Bank debit card for purchases at XXXX XXXX. I noticed the charges the next day, on XX/XX/XXXX, and immediately contacted Discover to report them as fraudulent. Discover opened a dispute, but it was later denied on the grounds that the charges appeared to be valid. 

I informed Discover that I had fallen victim to a scam text message claiming I owed an unpaid toll. The message directed me to a fraudulent website, where I unknowingly entered my card information. A few days later, the XXXX XXXX charges appeared on my account. I explained all of this to Discover and made it clear that I did not authorize these purchases. Despite this, they told me the only option was to submit proof that the charges werent made by me. 

I also contacted XXXX XXXX by phone and through their customer service chat. In both instances, I was told that there were no purchases on file linked to my name, phone number, or card information. I was advised by XXXX XXXX representatives to contact my bank to resolve the issue, as they could not locate any transaction tied to me in their system. 

The location listed for the purchases on my bank statement is in Illinois. I live in California and have never been to Illinois, further confirming these were not authorized transactions. 

In an effort to resolve this matter, I have taken the following actions : Filed a police report for identity theft Saved a screenshot of the scam text message I received and responded to Saved a screenshot of my chat with the XXXX XXXX agent confirming no purchase could be found under my information I am providing all of this documentation as evidence that I did not make or authorize these transactions. I am requesting that the charges be reversed and that my case be reevaluated with this supporting information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Creditor Name : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status Reported : open Date Reported : XX/XX/year> This entry is inaccurate, misleading, and may be unlawfully reported under both federal credit and tax laws. I am requesting its immediate deletion for the following reasons : Grounds for Dispute 1. FCRA Violation Incomplete and Inaccurate Reporting Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. If a charged-off account has been canceled or forgiven, and a Form 1099-C ( Cancellation of Debt ) has been issued, then the debt has been legally settled and can not continue to be reported as collectible or delinquent.

This debt was reported to the IRS as cancelled, then continuing to list it on my credit report.

2. IRS Reporting vs. Credit Reporting Misrepresentation of Status If the creditor reported this charge-off to the IRS on a Form 1099-C, they declared the debt as income, not an active obligation. Once a debt is forgiven and reported to the IRS, it can not remain on a consumer credit report as a collectible debt or delinquent obligation.

I am requesting proof of whether a 1099-C was issued, and if it was, this account must be immediately deleted from my credit file.

3. Violation of Privacy Under GLBA If non-public personal information related to a discharged or settled debt was shared or mishandled after cancellation, that may violate provisions of the Gramm-Leach-Bliley Act. Any continued reporting must be justified with a legally valid and enforceable debt instrument, which I hereby request you validate.

4. Double Dipping form 1099A This filing with the Internal Revenue Service indicates that the property securing the debt was either abandoned or acquired by you. Based on this filing, it is presumed you may have claimed a financial loss or tax credit, which constitutes the account as disposed of.

Please see my attached 1099A. I have not received any portion of interest and profit for this account. I am requesting my full portion of Interest and profit made from this account due to me within 30 days of this letter, Per IRS : File Form 1099-A for each borrower if you lend money in connection with your trade or business and, in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, or you have reason to know that the property has been abandoned.

You need not be in the business of lending money to be subject to this reporting requirement.

If a Form 1099-C ( Cancellation of Debt ) was subsequently filed, then the debt has been formally discharged, treated as income to me, and is no longer legally enforceable.

Please see my 1099c attached. My form was sent to the Trustee XXXX XXXX, who signed the XXXX and XXXX the month I received the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: ME

Complaint narrative:
b'I was called by Westlake Portfolio Management five times on FridayXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX). I was called an additional three times, once on Monday, XXXX XXXX XXXX  and twice on Tuesday, XXXX XXXX XXXX XXXX). This is a total of eight phone calls in a four day period. The number they are calling me from is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
on XX/XX/year> i opened a business account with American Express with a promise that if I satisfy all requirements I will get XXXX points. I satisfied all requirements, on XX/XX/XXXX they gave XXXX points and took it back the same day. Account number is XXXX, Business name is The XXXX XXXX. 

I also had a credit card with these company that they cancelled but they still want me to pay the annual fee, when I did not have the pleasure of using it for a year. 

They had {$5000.00} of my money on the checking account, I only had a XXXX $ annual fee and a XXXX $ dinner on my statement, and they were asking me how I am going to pay my debt when I had XXXX in my checking account. And I just bought a $ XXXX house a month earlier? 

I want my XXXX points that I earned fair and square, and the XXXX $ annual fee reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 reported that XXXX XXXX agency on my credit for {$2000.00} is not mine. I have no knowledge of this account and the company has provided me no proof that the alleged debt is valid or they have the ability to collect it. The debt itself is also suspicious since its only appearing on my credit report for 365 days. I would like this investigated properly since Experian did not do that. They verified it as accurate which it is not accurate. I would also like to add this does not appear on any of my other credit reports just Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 explanation