vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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 ( 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 2025-05-07 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: TX

Complaint narrative:
This is a fraudulent account. I do not have children, and this account does not belong to me. Under FCRA 605 ( b ), I request an investigation and removal of this account if found 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
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I spoke to a representative in XXXX or XX/XX/year>. I paid XXXX he told me that he was putting in a deferment for the other payment that was due that I wouldn't get a late reported on my credit report and that I wouldn't be due again until XX/XX/year>. However, I still got a late payment reported for the month XXXX. It turns out that the rep did not apply the full amount that I paid to the month of XXXX. Instead they posted XXXX to my balance and XXXX to late fees without telling me. Then the deferment did not go through even though the rep told me that I wouldn't be due again until XX/XX/year>. I asked him if everything was ok. He said yes. This is not fair! The rep told me inaccurate information and I thought everything was ok, this needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
XX/XX/XXXX My mother and I owned property in New York for dozens of years with 3 separate XXXX electric accounts/meters. When my mother died in XXXX, I called XXXX XXXX notify them I would be taking over the responsibility for payment of these accounts, and I planned to sell the property. When I received the the closing date of XX/XX/XXXX for the sale of the property, I called XXXX to notify them to close the accounts on that date, and I paid any balance owed on the accounts. During the closing my attorney discussed with the buyer 's attorney that he would have to transfer the accounts to his name. 

2 to 3 Months after the sale, I began receiving overdue invoices from XXXX from these accounts. I contacted the buyer, and he assured me that he would straighten this out. A month later when I received a bill for additional charges, I called XXXX. They insisted that I was still responsible for paying these charges, and suggested I press charges against the new owner for theft of services. I filed a complaint with the fraud division of XXXX, but refused to pay or take legal action against the new owner. For 2 years XXXX has continued to harass me, sending me dozens of past due invoice, and enlisting Collection Agencies to hound me, and publishing negative reports on Credit Bureaus in spite of my disputing their claims. This CAN'T be Legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information reported on my credit report, which I believe is negatively affecting my credit standing. I have already contacted the credit bureaus and the creditor involved but have not received a satisfactory resolution. Therefore, I am requesting the CFPB to assist with investigating and resolving this issue. 

Account in Dispute : Creditor Name : I C SYSTEM Amount : {$110.00} Reported By : XXXX XXXX XXXX Reason for Dispute : The credit card account listed above is being inaccurately reported on my credit file. This inaccurate reporting is causing harm to my credit score and does not reflect my true creditworthiness.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
XXXX I did an instant transfer from my XXXX account to my bank account for {$5000.00} on XX/XX/year> at XXXXXXXX XXXX ; as of today ( XX/XX/year> ) the money has not shown up, my bank can't find it, XXXX can't find it and can not provide me with a legitimate tracer. 
XXXX  charged my a {$25.00} transfer fee, but has since refunded it, but not the other {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Bliksum, LLC
State: CA

Complaint narrative:
I am disputing a collection account that is currently being reported on my credit report. This debt originated from LoanMe, but was later sold to XXXX and then allegedly assigned to XXXX for collection. 

I filed a previous complaint with XXXX, and they responded on XX/XX/year> stating that the account was closed in their office and returned to XXXX. They stated they no longer owned or serviced the account. 

I also filed a complaint with XXXX, and they responded stating that although they acquired the LoanMe account, they do not engage in credit reporting. They stated that UCRB handled the collections.

Therefore, neither XXXX nor XXXX claims to be the furnisher or responsible for the account being reported yet the collection still appears on my credit report. This creates a violation of FCRA 1681s-2 ( b ) and 611, which require that inaccurate or unverifiable accounts be corrected or removed.

I am requesting the immediate removal of this collection account from all credit reporting agencies, as it is being reported without proper verification or acknowledged ownership by any company.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Theres an account showing up on my credit report that Ive never seen before and have no connection to whatsoever. I dont recognize it, I didnt open it, and I have no idea why its linked to my name. This is clearly a case of mixed or incorrect data, and it needs to be taken off my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block the following fraudulent and unauthorized accounts from my consumer credit file within four business days of receipt of this notice. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy and validity of these accounts and demand a lawful reinvestigation and deletion as required by federal law. 

The fraudulent accounts currently appearing on my Equifax credit report include : A loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$24000.00} A loan account with XXXX XXXX XXXX Texas opened on XX/XX/XXXX, with a balance of {$1400.00} A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00} A collection account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$290.00} Pursuant to FCRA Section 611, I am requesting full details of Equifax 's reinvestigation into these disputes, including a breakdown of the method of verification used and physical documentation proving how these accounts were verified as accurate. In the absence of such evidence, these accounts qualify as prima facie false and unsubstantiated, and must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CarMax, Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
AUTO COLLECTION REPORTED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE. I HAVE DISPUTED THIS ITEM SINCE XXXX XXXX WITH NO RESOLUTION.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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

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 2025-05-07 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, 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 2025-05-07 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: 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 2025-05-07 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: NY

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for yourassistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : SELF/SOUTHSTATE BANK Account Number ( last four digits ) : XXXX Date of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Bureau Reporting the Late Payment : XXXX XXXX XXXX XXXX XXXX I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern/Transunion I am writing to file a formal complaint regarding unauthorized credit reporting activities concerning my personal credit information. I am disputing these activities pursuant to 15 USC XXXXb, which governs the permissible purposes of consumer reports. 
I hereby state that I have never provided written consent to any credit reporting agency to furnish or obtain my credit information. Under 15 USC XXXXb ( a ) ( XXXX ), a consumer report may be furnished only with the written instructions of the consumer to whom it relates. 
Specifically, I am disputing XXXX. The authorized collection of my credit information XXXX. The unauthorized furnishing of my credit information to third parties XXXX. The maintenance of a negative/derogatory credit file on me without my explicit written consent I request that pursuant to 15 USC XXXXi . 
XXXX. All credit reporting agencies cease reporting any negative/derogatory information about me without my written consent XXXX. Each of the negative/derogatory credit files be removed from their databases XXXX. Written confirmation be provided to me via XXXX to the address listed on my drivers license attached to this documentation when these actions have been completed XXXX. See attachment Please investigate this matter and provide a response within the time by law. All correspondence should be sent to the address thats provided on drivers license. 

Sincerely, XXXX XXXX Attachment : Negative/Derogatory information to be removed from the consumer report mentioned herein on the previous attachment. 
Personal Information : All personal information not matching the information upon drivers license attached herein to be removed from consumers report immediately. The drivers license address is as follows : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Negative/Derogatory Account History : XXXX. XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XXXX/XXXX/XXXX, account status closed. 
XXXX. XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX, Date opened XX/XX/XXXX, account status derogatory. 
XXXX. XXXX XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX, account status derogatory. 
XXXX. XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX, account status derogatory. 
Late Payment Account History : XXXX. XXXX XXXXXXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX, account status paid. 
Inquiries : XXXX. XXXX, Date of inquiry, XX/XX/XXXX XXXXXXXX XXXX CARD, Date of inquiry, XX/XX/XXXX XXXX. XXXX CARD, Date of inquiry, XX/XX/XXXX XXXX XXXX XXXX Date of inquiry, XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry, 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 2025-05-07 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IN

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 2025-05-07 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: NY

Complaint narrative:
Despite my earlier request, the invalid items have not been corrected or removed, and they continue to appear with discrepancies across all three bureaus. As stated before, the continued reporting of inaccurate and non-public personal information without proper verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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