vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
This letter is a formal notice and demand for the permanent deletion of the following inaccurate, outdated, and unverifiable accounts reported on my credit file, pursuant to my rights under 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ) : Disputed Accounts 1. TransUnion Account # : XXXX Creditor : [ Educational Loan Provider - If known ] Date Opened : XX/XX/XXXX Balance : {$720.00} Status : Collection/Charge-off Reported as of : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Collection/Charge-off Balance : {$0.00} ( Paid ) Last Reported : XXXX Both accounts are being reported with derogatory statuses, including charge-offs and collection comments, which are either inaccurate, misleading, or no longer legally reportable under current laws. The XXXX account in particular was settled and paid in full as of XX/XX/XXXX, yet it is still being reported as derogatory and in charge-off status this is a direct violation of FCRA 1681i ( a ) and constitutes continued inaccurate reporting.

Additionally, the account numbers are incomplete and unverifiable, and the bureaus and data furnishers have failed to properly verify their accuracy within the legally mandated time frame. Under 15 U.S.C. 1681i, any item not verified must be deleted immediately.

Legal Grounds for Removal : 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to verify accuracy requires deletion within 30 days.

15 U.S. Code 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.

15 U.S. Code 1692g ( b ) If a debt is disputed in writing, collection must cease until validation is provided.

FCRA 605 ( a ) ( 4 ) Charge-offs may not be reported longer than 7 years from the date of delinquency.

Formal Demand : I demand the immediate deletion of both accounts listed above from all credit reporting agencies. Failure to comply will result in legal action being pursued against all parties involved, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notifying my states Attorney General Seeking monetary damages in federal court for willful non-compliance under 15 U.S. Code 1681n

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 2025-04-09 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 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 2025-04-09 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand SXXXX XXXX Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Legal Demands : XXXX. XXXX XXXX requiring direct confirmation from the original creditor with full chain of title documentation XXXX. XXXX Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : 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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I sold items to a gentleman and he paid me by cash app it was {$40.00} and I accepted the payment and then he left and when I went to go get back into my cash app account the money had been canceled but although it said canceled when I clicked contact support about this problem it says that I refunded the money so now I'm out the money and my items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
In XX/XX/XXXX, my escrow account was incorrectly charged for two hazard insurance premiums : {$3700.00} ( XXXX ) and {$1900.00} ( XXXX ). I canceled the first policy, received refunds for both premiums, and reimbursed the mortgage company exactly {$1900.00}. Despite this, my escrow payment was recalculated to {$1200.00}, approximately {$270.00} higher than the correct amount of {$920.00}. 

In XX/XX/XXXX, I called Freedom Mortgage and requested an escrow reanalysis. The representative I spoke to today confirmed this request was recorded but never completed. Between XXXX and XX/XX/XXXX, I called again to follow up. During that follow-up call, the representative incorrectly informed me that the escrow analysis had been performed, and the payment amount was correct. Today ( XX/XX/XXXX ), I called again after discovering on my own that the escrow analysis was never actually performed. The representative today informed me that the analysis was not done previously because my account had recently been transferred, requiring a 120-day waiting period. This critical information was never communicated to me during my initial request or follow-up calls. 

As a result of Freedom Mortgage 's negligence, miscommunication, and lack of accountability, I have been overpaying my escrow for nearly one year, causing unnecessary financial stress and hardship. The company has scheduled a new escrow analysis for XX/XX/XXXX, but only after I identified their error and repeatedly requested corrective action.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
In XXXXXXXX XXXX XXXX I applied for buyback months due to the forbearance with the save plan. I still have not heard anything back on this. In XXXX XXXX XXXX I applied for IBR so I would get out of save forbearance and Into a processing forbearance that counts towards my payments. On XXXX I filled out an employee certification form. My Employer filled out the form on XXXX and again on XXXX. As of today someone is saying they can see the signature but they wont process to update my payment amount. I have been at XXXX payments since XXXX. I just need to get my count updated to apply for forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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: SC

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 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 2025-04-09 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:
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 2025-04-09 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: LA

Complaint narrative:
Reinsertion letter FTC Report XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA FTC Report Number : XXXX To Whom It May Concern, On [ I disputed an account reported by [ XXXX ] credit card service ], inquiry XXXX Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX  business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the BBB. 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau Date of last report : XX/XX/XXXX Creditor : XXXX ] FTC Report Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-04-09 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 HAVE DISPUTED THIS XXXX XXXX XXXX XXXX ACCOUNT THAT WAS OPENED WITHOUT MY KNOWLEDGE AND CLEARLY ITS FRAUD AND IDENTITY THEFT, I FILED FTC THEFT REPORT AND POLICE REPORT AND THERE WAS A ARREST MADE ON THIS ACCOUNT BY XXXX XXXX POLICE BACK IN XXXX. XXXX XXXX XXXX BOUGHT SEVERAL TRUCKS UNDER MY NAME AND THEY WERE ALL DEEMED AS FRAUD BY XXXX BUT XXXX XXXX XXXX XXXX WORKS AT THE ID THEFT DEPARTMENT AT XXXX AND HAS TOLD THE TRADE LINE DEPARTMENT AT XXXX XXXX XXXX XXXX TO KEEP THIS ACCOUNT ON MY CREDIT FILE SINCE HER XXXX WENT TO JAIL. I SUED XXXX XXXX XXXX XXXX AND WON XXXX XXXX FOR AUTO LOAN FRAUD AND TRADE LINE FRAUD, I SUED XXXX FOR NOT LOOKING INTO THE INVESTIGATION AND WON XXXX JUDGEMENT BUT NOW IT WANT EVEN APPEAR ON XXXX OR XXXX, THEY PUT IN THERE REPORT SYSTEM THAT XXXX XXXX XXXX XXXX LOST RIGHTS OVER THIS ACCOUNT, BUT IT SEEMS LIKE EVERY WEEK IM DEALING WITH THIS FRAUD ACCOUNT AND I HAVE PROVIDED ALL IMFORMATION AND IT EVEN SHOWS ON THE POLICE REPORT I WASNT EVEN IN THE COUNTRY WHEN THIS ACCOUNT WAS OPENED, WHY DO YOU ALLOW FMCC TO KEEP UNBLOCKING THIS ACCOUNT BUT IM SHOWING SO MUCH PROOF AND THEY SHOW NOTHING AND THEY GET THEWRE WAY, IT SEEMS ONESIDED. PLEASE REMOVE THIS FRAUD ACCOUNT OF XXXX XXXX XXXX XXXX OFF MY CREDIT FILE AND XXXX XXXX IT. XXXX FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In according with the fair credit reporting act, The list of accounts below has violated my federal protect consumer rights to privacy and confidentialy under 15 U.S.C 1681 The accounts below have violated my rights 15 U.S.C 1681 section 602A states I have the rights to privacy. 15 U.S.C 1681 section 604A section 2 INQUIRY 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-04-09 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: GA

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 2025-04-09 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: NH

Complaint narrative:
I had a loan with XXXX XXXXXXXX on a lawn mower. I ran into money problems, and it got repossessed. I tried to work with them to settle the debt back in XXXX They would not. They hit my credit and 6 years later I finally found the debt at Truist Bank. I have made an agreement with Truist bank to pay it off. Now that I have done that - I want it all of XXXXXXXX XXXX and Truist bank charge offs removed from my credit. Its been 6 years of chasing this 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 2025-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-04-09 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: RI

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