vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have not been able to change the last name on the account and tax documents. For which they never seen that last name before and is NOT on my ID or social

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Good Day, I recently reviewed a copy of my credit report and noticed that two different creditors ( XXXX XXXX and XXXX XXXX ) are reporting the same charged-off account. This duplication is resulting in adverse effects on my credit profile. I am requesting that this issue be corrected immediately and that the duplicate entries be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is illegal for the same debt to be reported multiple times by different creditors, and I am seeking your assistance in resolving this matter promptly. 

Account Number - 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 2025-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and improperly reported collection account on my credit report. This collection account, reported by Eastern Account System on behalf of XXXX, is not valid and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Here are the facts : I closed my XXXX account in person and paid the final bill of {$43.00} on XX/XX/XXXX. 

The payment was processed via XXXX XXXX ( card ending in XXXX ), and my account was confirmed as settled. 

On XX/XX/XXXX, I received a notification from XXXX XXXX showing a collection entry for {$120.00}, which I was never notified of. 

I was on paperless billing and autopay. After closing the account, my XXXX online account was deactivated, and no bills or balances were made available. 

I never received any communication about this balance from Eastern Account System. A representative confirmed only XXXX letter was ever sent, which I never received. 

Furthermore, a XXXX representative named XXXX admitted on XX/XX/XXXX, that the charge was made in error and stated it was waived. However, she refused to remove the collection entry despite the fact that XXXX acknowledged the mistake and I was never notified. 

Please find enclosed : A copy of my final XXXX payment confirmation. 

A written explanation of the error. 

A copy of my formal dispute to XXXX and Eastern Account System. 

This collection entry is invalid and should be removed immediately under FCRA guidelines. 

Thank you for your prompt attention to this matter. I request written confirmation once this entry has been deleted. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
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 explanation
Consumer complaint received 2025-04-15 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX * * * * {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX  XXXX XXXX * * * * {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX * * * * {$16000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX * * * * {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$5100.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * {$170.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * * * {$640.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * {$3300.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * {$4200.00} Date Opened XXXX XXXX XXXX * * {$160.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX * * * * {$320.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX * * * {$660.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * XXXX * {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-15 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: MI

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 2025-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The card is declined at every online merchant I have tried, including XXXX and XXXX XXXX, practically making it unusable for me. I have {$200.00} in a gift card sitting there that can not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MN

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hi, I am XXXX XXXX, Executor of the Estate of XXXX XXXX XXXX XXXX. 
XXXX XXXX passed away in XX/XX/XXXX and according to a statement we've received from GM Financial, the XXXX XXXX ( ACCT # XXXX ) was charged off on XX/XX/XXXX. 
Our office has reached out to GM Financial several times requesting a copy of the XXXX form from the IRS. The XXXX website ( XXXX XXXX IRS account ) has confirmed that the 1099C had been filed and XXXX XXXX credit report shows the vehicle as charged off. The issue is that we are trying to close out XXXX XXXX tax bill with the IRS but we need the 1099C because it still shows as income, which creates a larger tax bill than should be. 
Please assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
In Spring 2023, I was approached by a representative named XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. He offered me and my friend a discounted enrollment plan under the condition that we would both share XXXX account. He claimed that while this wasnt standard, he would make an exception for us since we were students and under financial limitations. He also promised we would both have full access to the training program, and that we would benefit financially if we followed through. 

Despite signing the agreement, I never received access to the platform or the services I was paying for. Repeated attempts to use my account failed, and support was not provided. Although the program was for both of us, only my name and Social Security number were used I was held solely responsible for the full amount, while receiving none of the promised services. 

I began making monthly payments of {$300.00} in good faith, despite not having access to the product. Eventually, in Fall 2023, I stopped paying when I realized I had been misled. XXXX XXXX XXXX then began threatening to send the balance to collections and to damage my credit. Despite explaining to them that I had never received access to the services, they proceeded to place the debt with Monterey Collection Services. 

XXXX has now listed a {$12000.00} collection on my credit report, which has caused me to be denied credit cards and financial aid. I recently received a packet from them with a signed agreement and payment records, but this does not prove that I received any services. I am being charged for a product I never used or accessed. This entire situation aligns with the FTCs lawsuit against XXXX XXXX XXXX, which accused them of deceptive marketing and false earnings claims. 

All I am asking is for this debt to be removed from my credit report, and for no further contact from Monterey Collection Services. I am open to settling this fairly, but I was clearly taken advantage of as a young consumer. I am attaching proof of the contract, the collection letter, payment statements, and other documents for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit 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 2025-04-15 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-15 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: NJ

Complaint narrative:
TransUnion continues to report inaccurate and damaging late payments tied to XXXX XXXX XXXXXXXX for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have formally disputed these late payments with all three major credit bureaus since XX/XX/XXXX, and both XXXX  and XXXX  have already corrected or removed these false entries. Yet TransUnion remains the only bureau still publishing this derogatory information which is not only inconsistent, but a direct violation of federal law. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to maintain the maximum possible accuracy in all information you include in consumer reports. Continuing to report these late payments after multiple disputes and after both competing agencies have deleted them, demonstrates your clear failure to comply with that obligation. Furthermore, this information is based entirely on INTERNAL TRANSACTIONS between me and the original creditor, XXXX XXXX XXXXXXXX which is explicitly excluded from being considered part of a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). You had no legal basis to include this type of unverifiable and internally derived data in my file in the first place. Each time I dispute this, you respond with the same vague claim that the information has been verified as accurate, without ever providing a shred of documentation or evidence from the furnisher. That is not a lawful or reasonable investigation under 15 U.S.C. 1681i. A true investigation requires you to obtain, review, and evaluate actual evidence not just rubber-stamp a response with no validation. Your failure to conduct a proper reinvestigation is yet another clear violation of the FCRA. Additionally, your continued reporting of this false data after receiving multiple notices from me constitutes both willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. These violations have caused measurable harm to my credit profile and have impaired my ability to obtain fair lending opportunities, which directly affects my financial well-being. I am demanding that you immediately delete these inaccurate late payments from my TransUnion file and update your reporting to reflect the same current and accurate payment status you have been reporting. Continuing to report this false and excluded information will result in formal regulatory complaints and further legal action. You have had more than enough time and notice to correct this. Fix it now.

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 2025-04-15 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: CA

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of a IC Systems collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, IC Systems would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 non-monetary relief
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Overland Bond & Investment Corporation
State: MI

Complaint narrative:
See other complaint on XXXX XXXX because not sure who messed up but threatened to send me to 3 credit agencies for a bill that was not mine.

Company response to consumer: Closed with explanation