vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-04-08 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Due to a XXXX error, Citizens bank credited a credit card that they closed about 9 years ago and then charged the credit back to my checking account twice, resulting in a balance on the credit card, without my knowledge of the credit balance. 

After numerous attempts to resolve the issue over the phone, including requesting my credit card agreement, I was able to determine what happened -- although Citizens Bank could not or would not bother. In the meantime they reported a {$30.00} charge overdue to my credit report and they refuse to remove it. 

I explained that the XXXX transaction was due to temporary hardship, that I had put all credit into a credit management plan, that I make all credit payments on time, and that I paid as soon as I could determine what was going on no help from them. 

Over a number of calls I was left on hold for hours, laughed at, hung up on, transferred and the calls were dropped. I have closed my checking account with Citizens Bank. I want them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
This company is collecting on a medical debt that has been paid by my previous employer and is not my debt. This company is reporting the incorrect amount of my credit report and has not labeled the debt as a medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Reinserted Late Payment Dispute Request for Removal Dear TransUnion, I am writing to formally dispute the reinsertion of a late payment on my credit report. The late payment in question was previously removed from my credit file after a dispute, but it has now reappeared without proper notification or justification. 

According to the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency reinserts previously deleted information, it must : 1. Receive certification of accuracy from the data furnisher.

2. Notify me in writing within five business days of the reinsertion, identifying the source of the information and informing me of my right to add a consumer statement.

To date, I have not received such notice, and I believe this reinsertion may violate FCRA Section 611 ( a ) ( 5 ) ( B ).

I am requesting that TransUnion : Immediately remove the reinserted late payment. 
Provide documentation verifying the certification of accuracy from the furnisher. 
Send me a corrected copy of my credit report reflecting the removal. 

Enclosed are copies of any documentation relevant to this issue, including prior dispute correspondence and my credit report for reference. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and advise me of the steps being taken. 

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Sure! Here 's a revised version of your complaint, incorporating the details you providedformatted clearly and professionally for submission : -- - Description of What Happened : I am reporting an issue with an auto loan account ending in with a balance of {$9900.00}. The account has been marked as XXXX days past due** and has been **reported for over XXXX days, starting from XX/XX/year>. 

I have made **multiple requests for information** regarding this account, including a breakdown of the charges, payment history, and any documentation supporting the delinquency status. However, I have received no response from the company to date. 

Despite these unresolved issues and my efforts to communicate, the company continues to report the account as past due, which is negatively impacting my credit. I believe this reporting is inaccurate and unfair without proper documentation or acknowledgment of my information requests. 

I am requesting that the company **either provide the full account information and validation of the debt** or **correct or remove the inaccurate reporting** from my credit 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
Tried to make my payment in XXXX but was locked out of online payments, would not let me talk to anyone or make a phone payment. Called in XXXX and was told they would not accept my payments. Now they are trying to foeclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

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 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 2025-04-08 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: 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 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 2025-04-08 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: 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 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 2025-04-08 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: CA

Complaint narrative:
Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$510.00} Loan Type Credit Card Date Closed Date of First Delinquency XX/XX/year> Comments Charged off account Credit card Contact FIRST PREMIER XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX It is still reporting as a balance on my credit report. This need to be deleted off my credit report. It is not showing the correct accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$510.00} Loan Type Credit Card Date Closed Date of First Delinquency XX/XX/year> Comments Charged off account Credit card Contact FIRST PREMIER XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX It is still reporting as a balance on my credit report. This need to be deleted off my credit report. It is not showing the correct accuracy.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Activity Designator Creditor Classification XXXX Deferred Payment Start Date Charge Off Amount {$510.00} Loan Type Credit Card Date Closed Date of First Delinquency XX/XX/year> Comments Charged off account Credit card Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX It is still reporting as a balance on my credit report. This need to be deleted off my credit report. It is not showing the correct accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an account with chase bank and deposited my tax return check into the account on XX/XX/XXXX. I no longer have access to the account because I made a claim about a stolen debit card and various charges equaling approximately XXXX dollars on XX/XX/XXXX. I even provided a document from the police department stating that my purse was found by them after I found out it was missing along with my id and debit card. Chase bank has decided to close my account and is telling me that I can never open an account with them again in the future. They are saying this is to prevent fraud. However this was identity theft and not fraud. I really need this account right now to be open. They. Were very rude. I was hung up on once and not helped many many times when I called. They do not have good customer service at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I disputed a transaction with cash app years ago on XX/XX/year>. Today I was informed I won the dispute and the funds would be sent to the cash app account. I do not have access to the cash app account as it was closed many years ago. I received the email to XXXX. I have tried calling customer service and could not get assistance as I dont remember what the cash tag name was from 2 plus years ago. I was informed I won the dispute yet no way to take my funds off as they are denying me access to the funds. I have gotten married and Im not sure if the cash app was under my maiden name or current. XXXX XXXX or XXXX XXXX. My address is XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: AL

Complaint narrative:
National Recovery Agency XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unverified Medical Debt, HIPAA Violation, and Debt Over 7 Years Old To Whom It May Concern, I am writing to formally dispute a medical debt that your company claims I owe. The debt in question, which you are attempting to collect, is from over seven years ago and, to date, has not been properly verified despite my multiple attempts to request documentation that confirms its accuracy and validity. 

I have specifically requested proof of the original creditor, as well as confirmation of the debts legitimacy and the amount being collected. I have also sought to verify who you purchased this debt from, and despite these efforts, I have received no response from your office. 

This debt is medical in nature, and I believe your actions may also constitute a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ), as medical debt information can not be disclosed without proper authorization or legal grounds. 

Due to your ongoing failure to verify this debt, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Additionally, if this issue is not resolved immediately, I will be sending a cease and desist letter to demand the cessation of all collection activity related to this unverified and outdated debt. 

Please be aware that continuing to report or pursue this unverified debt could result in further legal action. I expect this matter to be resolved promptly and that this account be removed from all credit reporting agencies immediately. 
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 2025-04-08 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: GA

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
Consumer complaint received 2025-04-08 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: NRA Group, LLC
State: TX

Complaint narrative:
I requested from XXXX and the 3rd party collection agency ( National Recovery Agency ) for validity of the debt. This particular item has been placed on my report previously and removed due to " non verification ''. I'd like to have this item removed permanently because it does not belong to me, and doesn't reflect anywhere in medical records that I've ever been seen or treated at this medical facility.

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 2025-04-08 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I did a preapproval check for milestone higher credit credit card. It was only supposed to be a preapproval. As soon the preapproval went through they automatically opened the account with no information. Didnt tell me what my credit limit would be, no information no offer no chance to stop the hard check and deny account opening. I then get in contact with them and they tell me I was approved for XXXX when the guarantee approval advertised was XXXX. Then proceeded to tell me for XXXX a year my credit limit will never increase. I never authorized this account to be opened and never authorized a hard credit check. They are refusing to contact the bearus to remove the check and Im trying to build my credit. This needs to be resolved and their check removed from my credit history on all three bearus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
Shepherd Outsourcing , LLC ( SO Ref # XXXX ) and XXXX XXXX XXXX claim {$460.00} ( XXXX XXXX XXXX # XXXX ) not mine. I disputed with XXXXthey failed to validate. Shepherd emailed XXXX XXXX, 2025, with subject ( My NAME ), running out of time to work on your XXXX XXXX XXXX accountintimidating ( 15 U.S.C. 1692d ). They use my SSN ( security interest ) without a signed noteunverified, possibly securitized. FRNs ( 18 U.S.C. 8 ) I redeem ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting me ( 31 U.S.C. 5118 ). They violate 15 U.S.C. 1692gburdens theirs. CCPA ( 1798.145 ) bans unverified datathey harass, wont stop. Cease, delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account does not belong to me and I have made it known to the company, as well as the bureaus and the FTC

Company response to consumer: Closed with explanation