vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15USC1681 ( a ) 6 ( B ) 3 I am requesting the MOV ( Method Of Verification ), in writing, used to verify this account. This is my 3rd and final request to receive the information before seeking legal remedy to have this account deleted permanently from my credit profile.

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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage company reported a late payment in XX/XX/year>, and payment was not late. XXXX XXXX dropped by XXXX points because of this inaccurate information reported.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against TransUnion Failure to Remove XXXX Fraudulent Hard Inquiries To Whom It May Concern, I am filing this formal complaint against TransUnion for its repeated failure to remove XXXX fraudulent hard inquiries from my credit report, despite multiple dispute submissions and an official FTC Identity Theft Report. These inquiries were made without my authorization and constitute clear violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and my consumer rights. 

I have contacted TransUnion multiple times and have submitted the required documentation, including : My FTC Identity Theft Report A detailed dispute letter listing the fraudulent inquiries A request for immediate removal under the FCRA Despite this, TransUnion has failed to take appropriate action, which is an egregious violation of federal law. Their inaction is damaging my credit profile, limiting my financial opportunities, and causing undue distress.

Legal Basis for Immediate Resolution : 1. Failure to Conduct a Reasonable Investigation ( 1681i ) TransUnion has not adeq
uately investigated or resolved my disputes in a timely manner.

2. Failure to Remove Fraudulent Information ( 1681c-2 ) Under the FCRA, a credit bureau must remove fraudulent information once a consumer provides an identity theft report.

3. Willful Noncompliance ( 1681n ) and Negligence ( 1681o ) TransUnions failure to act constitutes reckless disregard for my rights, making them liable for damages, legal fees, and penalties.

Requested Resolution : Immediate removal of all XXXX fraudulent hard inquiries from my credit report. 
Written confirmation of their deletion within 15 days of receiving this complaint. 
A full investigation into why TransUnion failed to act despite multiple formal disputes. 

If TransUnion continues to ignore its legal obligations, I will have no choice but to pursue legal action for damages under the FCRA. I am also prepared to escalate this matter to the Federal Trade Commission ( FTC ), my states Attorney General, and legal counsel.

I expect CFPBs intervention in ensuring TransUnion complies with federal law. Please contact me at your earliest convenience with a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against TransUnion Failure to Remove XXXX Fraudulent Hard Inquiries To Whom It May Concern, I am filing this formal complaint against TransUnion for its repeated failure to remove XXXX fraudulent hard inquiries from my credit report, despite multiple dispute submissions and an official FTC Identity Theft Report. These inquiries were made without my authorization and constitute clear violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and my consumer rights. 

I have contacted TransUnion multiple times and have submitted the required documentation, including : My FTC Identity Theft Report A detailed dispute letter listing the fraudulent inquiries A request for immediate removal under the FCRA Despite this, TransUnion has failed to take appropriate action, which is an egregious violation of federal law. Their inaction is damaging my credit profile, limiting my financial opportunities, and causing undue distress.

Legal Basis for Immediate Resolution : 1. Failure to Conduct a Reasonable Investigation ( 1681i ) TransUnion has not adeq
uately investigated or resolved my disputes in a timely manner.

2. Failure to Remove Fraudulent Information ( 1681c-2 ) Under the FCRA, a credit bureau must remove fraudulent information once a consumer provides an identity theft report.

3. Willful Noncompliance ( 1681n ) and Negligence ( 1681o ) TransUnions failure to act constitutes reckless disregard for my rights, making them liable for damages, legal fees, and penalties.

Requested Resolution : Immediate removal of all XXXX fraudulent hard inquiries from my credit report. 
Written confirmation of their deletion within 15 days of receiving this complaint. 
A full investigation into why TransUnion failed to act despite multiple formal disputes. 

If TransUnion continues to ignore its legal obligations, I will have no choice but to pursue legal action for damages under the FCRA. I am also prepared to escalate this matter to the Federal Trade Commission ( FTC ), my states Attorney General, and legal counsel.

I expect CFPBs intervention in ensuring TransUnion complies with federal law. Please contact me at your earliest convenience with a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX XXXX Relations XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX am writing to formally dispute inaccurate and misleading information that appears on my credit report. The following accounts contain errors that require immediate correction : XXXX. XXXX XXXX XXXX  Account # : XXXX Reported By : XXXX, XXXX, XXXX Issue : Incorrect reporting as " Collection/Charge-Off '' despite inaccuracies in the reporting process. 
XXXX. XXXX XXXX XXXX Account # : XXXX Reported By : XXXX, XXXX, XXXX Issue : Incorrect foreclosure/repossession status and inconsistent account status between agencies. 
Under the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy in the information they report. The inaccuracies listed above constitute violations of this requirement.

Additionally, I have reason to believe that my private and confidential information was accessed or disclosed without my authorization, in violation of [ 15 USC 1681b ( a ) ( 2 ) ]. Such an infringement violates my right to privacy as established under [ 15 USC 1681 ( a ) ( 4 ) ].

Request for Immediate Action I formally demand the following actions : Immediate investigation and deletion of the inaccurate information.

Written confirmation of these deletions within 30 days, as required by the FCRA.

Cessation of any further reporting of these errors to other credit bureaus or third parties. 
Failure to correct these violations may result in legal action under [ 18 USC 1028A ( a ) ( 1 ) ], which classifies such actions as aggravated identity theft, a felony offense punishable by up to two years of imprisonment. Additionally, I am seeking compensation for damages as follows : Violation of permissible purpose {$1000.00} Defamation of character {$1000.00} Damage to my reputation {$1000.00} Harm to my creditworthiness {$1000.00} Disruption of my financial stability {$1000.00} Violation of my right to privacy {$1000.00} Conclusion I expect your prompt attention to this matter. Please provide a written response to my request within 30 days, as required by law. If you fail to comply, I am prepared to escalate this matter to the appropriate authorities, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. Attached 2 forms of Identification ID, SSN You may send your written response to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Thank you for your immediate attention to this matter.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00}

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Said I needed a code to unlock my credit card and I never got XXXX. I cant use my card but continue to have interest charged let me use my card please

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1986 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Aldous & Associates, PLLC
State: IN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation