vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
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 are fraudulent inaccurate inquiries. Please remove immediately. See.FTC report attached to 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX has contacted me multiple times on my work phone at XXXX and I told them to stop to mail all communication. The last person who called on XX/XX/2025 at XXXXXXXX XXXX CT was rude and cut me off. She was yawning on the phone and did not want to listen to what I had to say. I have told them repeatedly to stop calling my work line on many different occasions and to mail all communication, but they have not done so. They continue to call my work line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: MN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 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: FL

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 2025-04-18 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 ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
Under 15 U.S. Code 1681XXXX ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( i ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$710.00} -XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance Owed : {$1800.00} Chargeoff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services
State: IL

Complaint narrative:
I was sued by the company Lendmark for a debt in the amount of {$3800.00}. The account was charged-off and closed on XX/XX/XXXX by Lendmark. The account was updated on XX/XX/XXXX. I was never given notice that they were going to sue me until after I received the judgement and was also sent a separate notice stating that they charged me attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
Summary of Issue : I am submitting this complaint regarding TransUnions continued reporting of inaccurate and unverifiable information on my credit report, despite my formal dispute submitted on XX/XX/XXXX. TransUnion responded by stating that the data had been verified. However, their reinvestigation was inadequate and did not address the factual and legal errors outlined in my original dispute. This is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused me significant financial and emotional harm. 

Details of Disputed Accounts : XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX  Reports a Charge-off status but does not indicate whether the debt was sold or transferred, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Balance reporting is inconsistent with high credit limits and appears unverifiable. As held in Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), data that can not be verified through reasonable investigation must be removed. 

2. XXXX XXXX XXXX Account # : XXXX XXXX XXXX Reflects a Charge-off but still shows a high balance, which is misleading. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ), charged-off accounts must reflect a {$0.00} balance if not actively collecting. 

The Estimated Removal Date conflicts with the original delinquency date, violating 15 U.S.C. 1681c ( a ) ( 4 ). 

3. XXXXXXXX XXXX XXXX Account # : XXXX * * Reports an OK status in some months while listing the overall account as Derogatory. This is contradictory and misleading, violating FCRA 1681e ( b ) which requires maximum possible accuracy. 

Violation Summary : TransUnions reinvestigation did not address the substance of my dispute. According to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), merely confirming information with the original furnisher without deeper investigation is not sufficient under the FCRA. Furthermore, if these accounts are being collected by third parties, they may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, for reporting false or misleading information. I have requested METHOD OF VERFICATION from Transunion and i have yet to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I did not authorize the opening of this false accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
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 are fraudulent inaccurate inquiries. Please remove immediately. See.FTC report attached to file'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
The company keeps changing the information on charge off date then reports late payments on on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is the 3rd complaint I have filed against SPS, and unfortunately communicating through CFPB is the only way I get anything resembling a reasonable response to this company. I missed a call from them on Monday XX/XX/XXXX and called back. Upon calling back, I spoke to someone who either did not know how to deal with my issues or did not care and asked for a supervisor. I waited on hold for about XXXX minutes, and when I reached someone, they pretended they said they could not hear me, and the call was dropped. No one called me back, until XX/XX/XXXX at XXXX. The call I received at that time was an exceptionally rude women saying I was past due, and did not listen nor care when I explained the issues this company has. This all stems from my first payment which was made in accordance to the instructions I received and was sent to XXXX. SPS was apparently able to contact Crosscountry so they know that Crosscountry received that payment, therefore SPS knows the late fees are fraudulent, and they know that I paid my mortgage in a timely manner, yet they refuse to update their records and get the payment from Crosscountry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I opened a card in XX/XX/XXXX. I have made all my monthly payments since the card has been opened. I was charged an annual fee of {$49.00} in XX/XX/XXXX. As of XX/XX/XXXX I have been charged a monthly fee of {$19.00} with no explanation of why I was being charged without notice. They told me a received a notice in XX/XX/XXXX. When I asked them to send me the notice they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX For the unauthorized amount of {$82.00} XXXX was withdrawn from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXXXXXX 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 2025-04-18 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: IL

Complaint narrative:
The violations of ACTUAL reporting are endless I do this for a living I know and will sue if needed. BUT after removal of the account please email me and send my request below so we can resolve this matter .. if it's found my payment bounced or didn't go through not to my knowledge I will pay to properly close the account. To make it simple email me or send a pay to delete letter to resolve this as a lump sum payment XXXX account if its not found i paid the last balance. The last I got form you guys was in XXXX and I was told anything I paid over would cover my existing cost and I even got my deposit back from you guys it makes XXXX since that over XXXX  months later you randomly attack my credit! As you see I can't even log into my account to check a thing so it was my understanding it was paid out and closed. 

You are in violation of : ACCOUNT HAS XXXX RIGHT TO REFLECT TRANSACTIONS : 15 USC 1681 SECTION 602 ; section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. ( you gave no warning of adverse actions nor no payment ask within 30days of reporting as seen on screenshots ; I gave my new address same as on this complaint and you have my # and email and never mentioned payment still due nor informed me of possibility of reporting. LASTLY, under my straw man debt is owed only when a PROMISSORY NOTE is present " 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 exsist '' DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13 I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT. COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468 ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief