vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MD

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 2025-03-04 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX BANK SS Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX XXXXXX/XX/XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} EXPERIAN INQUIRIES : XX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XXXX INQUIRIES : XX/XX/XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXX XX/XX/XXXXXXXX on XX/XX/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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. I have been a victim of a data breach, and these accounts were opened or affected without my authorization. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), I request that the following fraudulent accounts and inquiries be permanently blocked and removed from my credit report : Fraudulent Accounts : XXXX BANK - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$9100.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Credit Inquiries : XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX - Inquiry Date : XX/XX/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 2025-03-04 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXXXXe XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against TransUnion and XXXX XXXX XXXX XXXX ( XXXX ) for violating federal laws concerning the inaccurate reporting of a charged-off account and failure to issue a 1099-C Cancellation of Debt form. The account was sold to a debt collection agency, yet XXXX continues to report it inaccurately, harming my credit profile. 

Additionally, I have attached a letter from the debt collection agency. 


Violations Committed : 1. Failure to Issue a 1099-C Violation of 26 U.S.C. 6050P According to 26 U.S.C. 6050P, creditors who cancel or discharge debts of {$600.00} or more are required to issue a 1099-C form. XXXX has failed to provide this form, suggesting that the debt has not been legally forgiven while simultaneously reporting it as a charge-off. 


2. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report accurate information. The continued reporting of a charged-off account, despite its sale to a third-party collector, is false and misleading.

15 U.S.C. 1681s-2 ( b ) : Upon dispute, credit bureaus must investigate and correct inaccurate data. TransUnion has failed to do so.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The current reporting of the account as a charge-off without reflecting the sale to a third-party collector is a violation of this obligation.

3. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

15 U.S.C. 1692e ( 8 ) : Creditors and collectors must not report false or misleading information. XXXX and the debt collector can not both claim ownership of the same debt in different ways, which creates confusion and misinformation. 


Requested Action : 1. Immediate removal of the XXXX charge-off from my credit report. 

2. Verification of a 1099-C filingif none exists, the charge-off should not be legally reported.

3. Correction of all reporting inaccuracies regarding the ownership and balance of the account.

4. Investigation and enforcement action against XXXX and TransUnion for violations of FCRA, FDCPA, and IRS reporting laws. 


Legal Consequences for Noncompliance : Failure to address these violations within 15 days will result in a lawsuit against TransUnion and XXXX for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory and punitive damages. I will also escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office.

Please provide a written response detailing the actions taken to resolve this matter. Thank you for your prompt attention.

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 2025-03-04 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: PA

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 2025-03-04 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: PA

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 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am writing to formally dispute a debt that has appeared on my credit report. I recently became aware of this debt when I applied for housing, as it surfaced during a background check. Prior to this, I had never received any notification of an outstanding balance, nor was I informed that the debt had been sold to a collection agency. 

Ive never been contacted regarding any outstanding balance or its transfer to collections. Likewise, the collection agency failed to notify me or provide verification of this alleged debt. 

Under Minnesota state law and the Fair Credit Reporting Act ( FCRA ), I have the right to be informed of and dispute any unverified or fraudulent debt. Since the collection agency has failed to properly notify me and provide validation, I am formally requesting that this debt be removed from my credit report immediately. 

Please find attached : A copy of my credit report highlighting the disputed debt A copy of my identification for verification Any relevant supporting documentation I request a full investigation and written confirmation of your findings within 30 days, as required by the FCRA. If this debt can not be fully verified and proven to be accurate, it must be removed from my credit file immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and any actions taken. 

Sincerely

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Westlake Services, LLC
State: FL

Complaint narrative:
Even though I have already disputed this account with XXXX you it continues to be fraudulently reported to all three credit bureaus, very inconsistently I might add ( there is literally a different active date reported to each bureau ). 

As you know the Fair Credit Reporting act requires that when a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per XXXX USC XXXX ( b ). However, this account remains despite its inaccuracies, showing that those procedures were not followed. The continued inconsistent reporting of this account across the XXXX bureausevidenced by the varying last active datesfurther demonstrates a failure to report accurate information. 

Furthermore, under XXXX USC XXXX ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case, and XXXX has failed to update or acknowledge the dispute. 

Additionally, XXXX USC XXXX clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of this account, even after it was disputed, is a direct violation of this provision. 

Lastly, XXXX USC XXXX ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate account remains on my credit report. This failure to comply with federal law needs to be addressed immediately.

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 2025-03-04 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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

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

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 2025-03-04 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: NY

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

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts on my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. As per USC 1681g, I formally ask for their deletion within 15 days. The relevant documents are included for your review.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint regarding the inaccurate reporting of my bankruptcy information to the credit bureaus, despite clear instructions from the court that bankruptcies should not be reported to the credit bureaus. I believe this situation constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

As per the courts directive, the bankruptcy information should not have been reported to the credit bureaus. However, the bankruptcy is still being reported by all three major credit bureausExperian, XXXX, and XXXX XXXX, which is acting as a third-party data provider. I did not authorize XXXX, nor any third party, to report or disclose this information to the credit bureaus. 

I contacted XXXX, and they confirmed that they had disputed the bankruptcy records with all three credit bureaus. However, only XXXX has removed both the public records related to the bankruptcy from my credit report. The other XXXX credit bureaus have failed to correct or remove the inaccurate entries. 

The following legal provisions are being violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, specifically Section 1681e ( b ), consumer reporting agencies ( CRAs ) are required to maintain reasonable procedures to assure maximum possible accuracy in reporting information. The inaccurate reporting of my bankruptcy, despite the courts directive and my efforts to correct it, constitutes a violation of this standard. 
2. Right to Privacy and Consent under the FCRA Under Section 1681b, consumer reporting agencies must have permissible purposes to report credit information. As I did not authorize XXXX or any other third-party to report this information, this constitutes an unauthorized disclosure of my personal data, violating my right to privacy. 
3. Section 1681i Procedure in Case of Disputed Information Under the FCRA, when a consumer disputes inaccurate information, the credit bureaus are required to investigate the dispute and resolve the matter in a timely manner. The failure of XXXX and TransUnion to remove or correct the inaccurate bankruptcy records in response to my dispute constitutes a failure to comply with the requirements set forth by the FCRA. 

Given these violations, I respectfully request that the CFPB investigate this matter and assist in ensuring the removal of the inaccurate bankruptcy records from my credit report. This inaccurate reporting is causing harm to my credit standing, and I believe it is critical to hold the involved parties accountable.

Company response to consumer: Closed with explanation