vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I'm submitting this complaint regarding an inaccurate late payment reported by this creditor to Equifax. Despite making the payment on time, it has been falsely recorded as late. This error is significantly damaging my credit score and causing unnecessary frustration. I have always maintained responsible financial behavior, and it is unacceptable for such a harmful mistake to remain on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Subject : Urgent Dispute Inaccurate and Unverifiable Late Payment Reporting To Whom It May Concern, This letter serves as a formal dispute and legal notice regarding the false, misleading, and potentially unlawful reporting of late payments on my credit report for the following account : Your reporting of late payments on this account is completely inaccurate and is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. As such, I demand an immediate and thorough investigation into this account and require you to provide documented proof of the following : Full Verification of the Alleged Late Payments Provide official creditor records, including billing statements and payment transaction history, that explicitly prove these payments were late.

Validation of All Dates, Balances, and Payment History Ensure that every reported detail is 100 % accurate and verifiable.

Correction of Any Misreported Information If you fail to verify this data with the original creditor, you are legally required under FCRA 1681i ( a ) ( 5 ) to update this account to reflect " Paid As Agreed, Never Late ( PAANL ) '' or remove the inaccurate information immediately.

Failure to comply with this request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of federal consumer protection laws. Under FCRA 1681n and 1681o, you may be held liable for damages, including statutory and punitive penalties, for willful and negligent noncompliance.

You have 30 days to complete this investigation, as mandated by law.This is a very serious matter affecting my ability to purchase a home, obtain a vehicle, secure a business loan, or even access essential financial resources. While this may seem like a minor reporting issue to you, it has significant consequences for my financial future. I urge you to address this dispute immediately and correct the inaccurate information without delay. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am writing this complaint to address the fraudulent activity associated with my Navy Federal Checking account XXXX, and the denial by them to refund these charges Between XX/XX/XXXX and XX/XX/year> there were a total of XXXX unauthorized transactions made to XXXX XXXX XXXX and XXXX XXXX XXXX for approximately {$250.00}, as well as XXXX charges from Uphold totaling {$920.00}. 
I did not authorize these charges, and I had not made any purchases online, so this isn't a dispute, it's unauthorized activity. I didn't share my pin with anyone and I had not lost my card. I inquired on XX/XX/XXXX as soon as I noticed the charges on my account. This is not typical activity for any of my accounts, and when I reported this XXXX days later all I was told was my dispute was denied. I have also contacted these companies, they said the matter needs to be handled with my bank. I was not given a detailed explanation as to why my claim was denied, and I have been waiting over 10 days since I resubmitted my dispute for further review. I have not been given any confirmation emails or status updates, or any email in response to these complaints. 
All I want is the fraudulent activity charges refunded, per their rules it was not through my fault these charges occured and I reported these debit transactions as soon as I noticed them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX reporting public record on my file that I haven't given permission to verify any unfurnished information credit agency in violation Per F.C.R.A 15 U.S.C 1681B I was told by the agency representative that the court has provide this information, but I have request information form court and receive a letter stating that they don't report to the credit reporting agency.

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 2025-03-31 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: TN

Complaint narrative:
XXXX XXXX XXXX reporting public record on my file that I haven't given permission to verify any unfurnished information credit agency in violation Per F.C.R.A 15 U.S.C 1681B I was told by the agency representative that the court has provide this information, but I have request information form court and receive a letter stating that they don't report to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WI

Complaint narrative:
I am writing to formally dispute the inclusion of the account referenced below on my credit report. I believe this account is either inaccurate, fraudulent, and does not belong to me. Please review this account and remove it from my credit report. 
Account Name : XXXX Account Number : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!!

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 2025-03-31 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: WI

Complaint narrative:
I am writing to formally dispute the inclusion of the account referenced below on my credit report. I believe this account is either inaccurate, fraudulent, and does not belong to me. Please review this account and remove it from my credit report. 
Account Name : XXXX Account Number : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The information requested was for them to provide a true and certified copy of the complete audit trail of all said accounts and to provide verification through audit certification of the entry of the debt in accordance with g.a.a.p., i.f.r.s., also in accordance with basel 3 accord and the u.n.c.i.t.r.a.l. conventions.

A copy of the companys tax registration certificate was also requested in order to validate the debt.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with COMMERCIAL ACCEPTANCE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting an inaccurate account in the amount of {$810.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XXXX, and lastly in XXXX of XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately. They are not following federal consumer privacy laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One placed a hard inquiry on my XXXX credit report dated XX/XX/year>, but I never submitted an application for credit with them. I disputed the inquiry through XXXX, and Capital One responded by saying the information matched mine yet they refuse to provide any proof of the application. I did not authorize this inquiry. 

I followed up with Capital One and requested documentation ( application details, IP address, contact info used, etc. ). They told me to wait until I get contacted. 

This situation has impacted my credit profile, and Im now forced to freeze my credit and take further action to protect myself. I believe Capital One has either processed a fraudulent or mistaken application and is refusing to provide transparency. 

I am requesting the removal of the unauthorized inquiry and a full investigation into how it occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$1400.00} XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$600.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX 2023

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 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I have no knowledge of this account. I never had a phone bill with XXXX ; wireless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the XXXX of XXXX by XXXX, 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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 doctrine of estoppel by silence, XXXXXXXX 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 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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Recently, I received a collections on my credit profile from XXXX XXXX ( sold to NCA ) for {$360.00}. I took the necessary steps to address the balance beforehand, and my account was in good standing at the time. However, I recently discovered that the company is now claiming the amount is still owed. I am requesting a review of their records to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MS

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 explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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 non-monetary relief
Consumer complaint received 2025-03-31 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 2025-03-31 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: FL

Complaint narrative:
I disputed the TransUnion back in 2023 and now I am doing this again that the XXXX XXXX loan is up-to-date, being paid and not in collection. 

The fact that TransUnion is showing a " XXXX '' Account that is being paid for over {$35000.00} is injurious to my Credit Worthiness and score. 

I am unable to dispute online. I need this corrected ASAP. It has been more than 30 days since the initial dispute. 
Fair Credit Reporting Act ( FCRA ) : Section 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information in consumer XXXX. Reporting your XXXX loan as a collection account when it is not violates this requirement. 

Section 1681i ( a ) : This section mandates that credit reporting agencies must investigate disputes and correct any inaccuracies within 30 days.TransUnion failed to correct the error after I disputed it, they are in violation of this section.

Section 1681s-2 ( a ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. If the entity reporting your XXXX loan to TransUnion provided incorrect information, the XXXX are violating this section. 


Please remove the account that was previously disputed from my file. Accounts are only reported if they are past due and the account is actively being paid.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Child support has taken a big toll on my credit and my credit report. It also says on my credit report that the child support is paid in full that its been paid off but yet I still pay child support and it still shows up on my credit report, they didnt lend me any money, but they act as if they are a creditor. I didnt sign a paper to give them the information to my credit report Pretty much identity theft, and I want my credit improved so I can just buy a house and get a loan and get a better car and etc..

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