vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-03 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: MI

Complaint narrative:
This company is in violation of the 15USC 1635 and 15USC1692g. Please investigate See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CL Holdings LLC
State: NY

Complaint narrative:
I recently viewed my credit report and notice there are fraudulent accounts on my file. Please can you have these be removed as it is hurting my credit. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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, 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 2025-04-03 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 2025-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
TO Fay Servicing LLC and Maryland Commissioner of Financial Regulation : Please see attached the " Authorization Letter '' dated XX/XX/XXXX, from my Bankruptcy Attorney sent to Fay Servicing which somehow has been " Lost. '' I have not received a Mortgage statement since XX/XX/XXXX. Therefore, I need " copies '' of the following : 1. XX/XX/XXXX ; 2. XX/XX/XXXX ; and 3. XX/XX/XXXX... & 4. Now XX/XX/XXXX Mortgage Statements for my files and records. 
This is unacceptable as I can not get a Direct Response/Resolution on this matter. I spoke with XXXX XXXX today who requested the Bankruptcy Attorney resubmit another Authorization Letter inclusive of the " Full Account No. '' The attached Authorization Letter has been in effect since XXXX -- and all of a sudden Fay Servicing 's records have been skewed with no " logical '' explanation for stopping My Mailing Statements to be accountable to me. 
Further note, Fay Servicing representatives failed to notify me the reason for my not receiving Statements on telephone calls made in XXXX, XXXX, and XXXX when making monthly payments. 
This was negligence on the part of Fay Servicing. It was not until XX/XX/XXXX, when I was made aware of the " Lost '' Authorization Letter by Fay Servicing on your files and records. 
I have requested Fay Servicing to please " resume '' monthly Mortgage Statements for the above-referenced account and they have not done the same. I am a victim of the XXXX Mortgage crisis and experiencing XXXX as Fay Servicing may be in the process of moving certain accounts over to another Mortgage company. 
Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX acct # XXXX And Transunion Has reported an " open '' account XXXX XXXX states '' XXXX XXXX Format : Status Must Be Closed for Collection Accounts '' Field XXXX ( Account Status ) must show : XXXX = Collection Account Field XXXX ( Account Type ) must NOT be " Open '' or " Installment '' Once a debt is charged off or placed into collections, it is no longer an active credit account. 

XXXX XXXX explicitly states : " Once an account is charged off or in collection, it must be reported as XXXX. An XXXX account status on a collection tradeline is inaccurate. '' FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) If LVNV is furnishing that data to credit bureaus : And it is inaccurate, incomplete, or misleading And they fail to correct it after a dispute FDCPA Violation ( 15 U.S.C. 1692e ) The FDCPA prohibits : Misrepresentation of the character, amount, or legal status of a debt If they report Collection/Open, it : Implies the account is still active Suggests ongoing usage or accrual Could inflate your credit utilization, harming your score May mislead creditors into thinking the account is still valid That violates 1692e ( 2 ) ( A ) misrepresenting a debt. 
I have submitted evidence that a file was sent to me on my CFPB complaint Misrepresenting what " opened meant to them but as you can see XXXX XXXX says it is not allowed. I will also be filing complaints agains the Credit reporting agency as well.

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 2025-04-03 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: MD

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 2025-04-03 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, 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 non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX  ( XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6600.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$1500.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3400.00} Creditor : XXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$7600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. 

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible.

No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt.

Requested Action : Immediate deletion of these accounts from my credit report.

Written confirmation of the removal.

Notification to all credit bureaus if these accounts were furnished to them.

If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: DISCOVER BANK
State: AL

Complaint narrative:
I have no knowledge of this credit card. ( Discover Card ) I did request the signed contract. I did not receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

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 2025-04-03 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: NY

Complaint narrative:
I Recently Reviewed a copy of my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I drove to my bank to withdraw money. I used XXXX XXXX up teller line as I am XXXX am unable to walk. I asked for {$5500.00} and was told that the system may not give me that amount and I might be asked to go inside the bank to conduct my transaction. I then inquired what the limit or policy dictated so that I may get the allowed amount. I was told he didn't know and that we could " try '' that amount. The bank employee apparently tried to get the money and the system denied the transaction. 

He asked me again what I would like to do. My frustration began to mount as obviously I was there to withdraw some of my money. I said let 's try a different amount. I asked again what the limit was and he again told me that he did not know. So I said ok, let 's try a different amount. He asked how much I wanted to withdraw again. I said let 's try {$4000.00}. He came back and said again, the system denied it. This scenario went on for a few more minutes and I was not offered any guidance on how much the bank 's policy allowed me to withdraw and that we could only try and get the " system '' to allow it. He once again told me to come into the bank when I asked him if he wanted me " to XXXX crawl on my hands on knees '' into the bank. He then got flustered and left. 

Another clerk then came to the window saying that it would take time and that they would try to get the money. She was gone for almost XXXX minutes and didn't provide any customer service, details or any policies related to my need. When I finally rang the bell again, she said they couldn't help me and that they had a very long line. 

If the clerk had orginally supplied me with the detailed Chase Bank policy regarding how much I could withdraw at this drive up teller, none of this would be happening. They then denied me service and denied me access to my money. This was discrimination and a terrible customer service interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose. 

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization. 

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile. 

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$7600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable.

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. 

No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. 

Requested Action : Immediate deletion of these accounts from my credit report. 

Written confirmation of the removal. 

Notify all credit bureaus if these accounts were furnished to them. 

If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 


Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
In XX/XX/XXXX, I became aware that several accounts had been opened in my name without my authorization. These fraudulent accounts include : - XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX I had no involvement in opening these accounts, and their appearance on my credit report is incorrect.

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