vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A XXXX XXXX XXXX XXXXXXXX OPEND ON XX/XX/year> SHOWING IN MY TRANSUNION REPORTING AGENCY THINKING NOT MINE DUE TO 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 2025-03-12 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
Upon reviewing my credit profile, I identified several inaccuracies, incomplete information, and unverified accounts. Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to immediately DELETE any information that is found to be inaccurate, incomplete, or unverifiable.

Additionally, according to FCRA 15 U.S.C. 1681i, all unverified, non-compliant, incomplete, incorrect, or false entries must be fully negated, or the accounts in question must be completely removed from my credit file.

I am invoking my consumer and civil rights to demand the permanent deletion of these derogatory accounts unless you can provide verified evidence that you are fully complying with Metro 2 data reporting standards as mandated by federal regulations.

The following derogatory accounts are either UNVERIFIED, INACCURATE, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise non-compliant with federal reporting laws and standards. They must be removed immediately : Alleged Creditor and Account as reported on my credit report : 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 In accordance with the Fair Credit Reporting Act and the reporting standards set by the XXXX Metro 2 Compliance Regulations , I require a thorough investigation and the permanent removal of these items from my credit report. 
I expect a response with the requested proof. Once received, I will respond by certified mail. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
Upon reviewing my credit profile, I identified several inaccuracies, incomplete information, and unverified accounts. Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are required to immediately DELETE any information that is found to be inaccurate, incomplete, or unverifiable. 

Additionally, according to FCRA 15 U.S.C. 1681i, all unverified, non-compliant, incomplete, incorrect, or false entries must be fully negated, or the accounts in question must be completely removed from my credit file. 

I am invoking my consumer and civil rights to demand the permanent deletion of these derogatory accounts unless you can provide verified evidence that you are fully complying with Metro 2 data reporting standards as mandated by federal regulations. 

The following derogatory accounts are either UNVERIFIED, INACCURATE, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise non-compliant with federal reporting laws and standards. They must be removed immediately : Alleged Creditor and Account as reported 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 In accordance with the Fair Credit Reporting Act and the reporting standards set by the CDIA Metro 2 Compliance Regulations , I require a thorough investigation and the permanent removal of these items from my credit report. 
I expect a response with the requested proof. Once received, I will respond by certified mail. 
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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-12 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:
On all three credit resporting agenices. I have stressed to them that my idenity was stolen in XXXX. I have provide the FTC report and the police report as well. With no results on these unknown accounts and late payments on these accounts as well. My idenity was also compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX as well. I received payment from Equifax in reference to the data breach as well. Still the information is on my credit report it has impacted my credit in a negative way. And I have been working on this for years to be able to maintain my good credit, but it has not worked in my favor. There are several items on credit from XXXX XXXX XXXX in the about of {$210.00} and {$730.00}. That I am unaware of another account is XXXX XXXX in the amount of {$9400.00}. Another account is XXXX in the amount of {$2300.00}. Another account is XXXX XXXX XXXX XXXX in the amount of {$540.00} I have no knowledge of also an XXXX account apears to be a creditcard. I have numerous hard iquiries all the credit reports. Experian has a total of 6, Transunion has a total of 8 and Equifax has a total of 5. That I have requested to be removed from my credit reports. The credit reporting companies has not be investigating my request properly, This is why I am filing this complaint to you. I also requested to have names and addresses removed from my credit report and they are still there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am requesting the immediate blocking and deletion of certain accounts and inquiries due to a data breach I experienced, as per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5800.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00}

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 explanation
Consumer complaint received 2025-03-12 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: TX

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 explanation
Consumer complaint received 2025-03-12 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: TX

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts that appear on my credit report. I have discovered unauthorized accounts opened in my name, which I did not apply for, authorize, or have any knowledge of. This is a clear case of identity theft, and I will not tolerate it any longer. 

*Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$180.00} Date open : XX/XX/year>XXXX  These accounts are not only damaging my credit, but they are also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these fraudulent accounts be removed from my credit report IMMEDIATELY. You are legally obligated to investigate these claims and resolve this matter within 30 days. I expect you to take swift action and remove these fraudulent accounts from my report within the required timeframe. Should you fail to act promptly, I will have no choice but to escalate this matter. Let me be clearif this issue is not resolved within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I will also take legal action to ensure that my rights are upheld and to seek damages for any harm this fraudulent activity has caused to my credit and financial well-being. I will not tolerate delays, excuses, or negligence. This situation requires your IMMEDIATE attention. Please provide me with written confirmation that these fraudulent accounts have been removed, along with the results of your investigation.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have identified information on my report that are a result of identity theft these account do not belong to me 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 2025-03-12 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: AL

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to formally dispute multiple inaccurate and negative accounts being reported by Transunion on my credit report. I demand an immediate investigation and removal of the following accounts off of my credit report. Due to these errors, I have suffered severe financial hardship and this has prevented me from securing a mortgage, placing me at risk of homelessness. Additionally, the undue stress caused by this ordeal has resulted in emotional distress, damage to my reputation, and economic loss.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MI

Complaint narrative:
They tell me I have been a joint account holder since XXXX  but can not provide any signed documents stating that because I never authorized or signed anything with the company I would like my name of this account as it is not mine My next step is to get attorneys involved

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. 

Details of the Dispute : Credit Reporting Agencies Involved : [ Equifax, Experian, TransUnion ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law.

Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws.

2. Require the removal or correction of the inaccurate information.

3. Ensure that I receive an updated copy of my corrected credit report. 

I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. 

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have noticed that the following accounts are being reported negatively on my credit file without proper verification or proof that all legal requirements were followed : 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 Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to ensure that all reported information is accurate, verifiable, and complete. If you can not provide concrete proof of my obligation to these accounts, including documentation of compliance with all applicable laws and regulations, you must remove all negative and adverse remarks immediately. 

Reporting unverifiable information is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). If you fail to provide full documentation on how these accounts were validated, verified, and remain in compliance with legal reporting standards, you are required by law to delete them from my credit report. 

I expect a response within the legally mandated timeframe and confirmation of the necessary corrections.

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 2025-03-12 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-12 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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