vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}

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 2025-03-25 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

DEPTEDXXXX  XXXX Balance : {$2800.00} DEPTEDXXXX XXXX Balance : {$4700.00} DEPTEDXXXX XXXXXXXX Balance : {$1100.00} DEPTEDXXXX XXXXXXXX Balance : {$6400.00} DEPTEDXXXX XXXX Balance : {$1300.00} DEPTEDNELNET XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/year>2024 INFORMATIVE Date of inquiry XX/XX/year>2024 INFORMATIVE Date of inquiry XXXX/XXXX/2024

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 2025-03-25 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: UT

Complaint narrative:
Im reaching out because Ive noticed a credit inquiry on my report that is completely fraudulent and was never made by me. I did not authorize this inquiry in any way, and it has no place on my credit history.

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 2025-03-25 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: CO

Complaint narrative:
Im very concerned to see inquiries from your company on my credit report that I never authorized. I have not applied for any accounts or services with you, and I do not understand why these inquiries were made.

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 2025-03-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted SEVERAL disputes regarding this XXXX XXXX Account Listed on my credit report. It is inconsistent, inaccurate and does NOT adhere to metro2 compliance per FCRA Law. Both Equifax and Experian and repeatedly verified this information as accurate. It would behoove both Experian and Equifax to revisit the definition of accurate rather than relying on E-Oscar and other AI assisted tools to perform their jobs for them!! This erroneous reporting is financially injurious in nature and will be treated as such, should they continue to willingly and knowingly FAIL TO ADHERE to FCRA!! 

As of XX/XX/XXXX, this account is displayed on my XXXX report as the following : High Balance : XXXX - Not Reported Experian - {$0.00} Equifax XXXX {$2900.00} Which one is it? 

Date of Last Activity : XXXX - Not Reported Experian - XX/XX/XXXX Equifax - XX/XX/XXXX Which one is it? 

Date Reported : XXXX - Not Reported Experian - XX/XX/XXXX Equifax - XX/XX/XXXX Which one is it? 

Dispute Status : XXXX - Not Reported Experian - Account not disputed Equifax - Account disputed Which one is it? 

Last Payment : XXXX - Not Reported Experian - XX/XX/XXXX Equifax - XX/XX/XXXX Which one is it? 

Past Due Amount XXXX - Not Reported Experian Account disputed- {$1600.00} Equifax XXXX {$1500.00} Which one is it? 

Credit Limit XXXX - Not Reported Experian - {$2500.00} Equifax - {$0.00} Which one is it? 

Payment History XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XXXX - XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XXXX - XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XXXX - XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XXXX - XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

XX/XX/XXXX XXXX- Not Reported Experian - Charge Off Equifax - No Data Which one is it? 

Accurate where? Please show me! My XXXX report is attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/year>2024 my last name changed from XXXX back to XXXX attached is my new drivers license and divorce decree

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attached an FTC report containing 3 fraudulent accounts to be blocked removed under FCRA section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 attached an FTC report containing 3 fraudulent accounts to be blocked removed under FCRA section 605B

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 2025-03-25 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: FL

Complaint narrative:
This false reporting is preventing me from accessing financial opportunities that I rightfully qualify for. I will not allow these errors to continue harming my future. I demand an urgent investigation and the immediate removal of these unauthorized accounts from my 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 non-monetary relief
Consumer complaint received 2025-03-25 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:
Lendly added fraudulent information on all 3 of my credit reports under different names. Under Transunion, the account is listed as XXXX, under XXXX it is listed as XXXXXXXX XXXX XXXX and under XXXX it is listed XXXX XXXX XXXX XXXX The have also sold the debt to a collector who has engaged in illegal debt collection practices. They state they have not reached out to me and the account was never owned by XXXX XXXX XXXX XXXX XXXX. They also claim, that my accusations are untrue. They blatantly lied about XXXX XXXX XXXX XXXXXXXX XXXX owning the account and reaching out to me. XXXX XXXX XXXX XXXXXXXX even responded back in case XXXX stating they were closing the account in their office. Please see XXXX 's response to case XXXX : XXXX, XXXX ( XXXX ) is in receipt of XXXX XXXX complaint dated XX/XX/XXXX. Initially, we note that the consumer mentions XXXX XXXX in the complaint. Please be advised XXXX is an authorized servicer of XXXX XXXX, a division of XXXX XXXXXXXX XXXX ( XXXX XXXX, and neither XXXX nor XXXX do business as, or are affiliated with, a XXXX XXXX. Prior to our receipt of this complaint, XXXX XXXX loan transferred to XXXX XXXX on or about XX/XX/XXXX and is currently neither owned by XXXX nor serviced by XXXX. In addition to our above investigation and response, we have communicated the consumers claims to his current loan servicer, XXXX XXXX, as a courtesy.Any further questions regarding this loan should be directed to XXXX XXXX. 

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX. This account needs to be removed from my report. Not only did XXXX XXXX and XXXX  partake in illegal practices, they submitted fictitious documents and lied in their responses stating they haven't contacted me and the account was never with XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. Also the agreements do not contain my signature anywhere. The collection listed by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was removed from my report due to illegal debt collection practices and failure accurately verify the information. If this is no removed, I will have no other option but to gather my documents and turn it over to an attorney to pursue in Court. 

The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from abusive, unfair, or deceptive debt collection practices, which this lender has violated along with the debt collector they hired who submitted in writing that they were closing the account in their office and sending back to XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX added fraudulent information on all 3 of my credit reports under different names. Under XXXX, the account is listed as XXXX, under Equifax it is listed as XXXX XXXX XXXX and under XXXX it is listed XXXX XXXX XXXX . The have also sold the debt to a collector who has engaged in illegal debt collection practices. They state they have not reached out to me and the account was never owned by XXXX XXXX XXXX XXXX XXXX. They also claim, that my accusations are untrue. They blatantly lied about XXXX XXXX XXXX XXXXXXXX XXXX owning the account and reaching out to me. XXXX XXXX XXXX XXXXXXXX even responded back in case XXXX stating they were closing the account in their office. Please see XXXX 's response to case XXXX : XXXX, XXXX ( XXXX ) is in receipt of XXXX XXXX complaint dated XX/XX/XXXX. Initially, we note that the consumer mentions XXXX XXXX in the complaint. Please be advised XXXX is an authorized servicer of XXXX XXXX, a division of XXXX XXXXXXXX XXXX ( XXXX  ), and neither XXXX nor XXXX do business as, or are affiliated with, a XXXX XXXX. Prior to our receipt of this complaint, XXXX XXXX loan transferred to XXXX XXXX on or about XX/XX/XXXX and is currently neither owned by XXXX nor serviced by XXXX. In addition to our above investigation and response, we have communicated the consumers claims to his current loan servicer, XXXX XXXX, as a courtesy.Any further questions regarding this loan should be directed to XXXX XXXX. 

XXXX XXXX is XXXX XXXX XXXX XXXXXXXX XXXX. This account needs to be removed from my report. Not only did XXXX XXXX and XXXX  partake in illegal practices, they submitted fictitious documents and lied in their responses stating they haven't contacted me and the account was never with XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. Also the agreements do not contain my signature anywhere. The collection listed by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was removed from my report due to illegal debt collection practices and failure accurately verify the information. If this is no removed, I will have no other option but to gather my documents and turn it over to an attorney to pursue in Court. 

The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from abusive, unfair, or deceptive debt collection practices, which this lender has violated along with the debt collector they hired who submitted in writing that they were closing the account in their office and sending back to XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TN

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 2025-03-25 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-25 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: NY

Complaint narrative:
The Three Major credit reporting agencies are reporting Unauthorized, Fraudulent hard inquiries on my credit report please see attached FTC report # XXXX & please also UPDATE My personal address thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phones numbers i demand my social security number and date of birth to be removed From being displayed on the credit file for my privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected Consumer and I have a right to privacy. Not granting me my rights is in direct Violation of 15 USC 1681. And all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX Also I have hard inquiries that are mines but they are passed XXXX  Months also removed them from my consumer profile Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion-XXXX XXXX

Company response to consumer: Closed with non-monetary relief