vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian and Consumer Financial Protection Bureau, I am submitting this formal dispute regarding the inaccurate and outdated address currently being reported on my Experian credit file. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, a consumer reporting agency is required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of information. I previously disputed the following outdated address and requested its removal : XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
Despite my lawful dispute, this inaccurate address remains on my credit report, in violation of your obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates that unverifiable or inaccurate information must be deleted or corrected promptly. 
Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed legal action against Experian for engaging in unlawful practices, including : Conducting inadequate and sham investigations in response to consumer disputes ; Re-inserting previously disputed information without proper certification or notification, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ; Failing to provide consumers with the results of investigations as required under 15 U.S.C. 1681i ( a ) ( 6 ). 
Given these violations and the CFPBs ongoing enforcement actions, I am seriously concerned that my previous dispute has not been handled properly in accordance with federal law. 
Accordingly, I demand that Experian immediately delete the inaccurate and outdated address from my credit file and ensure that only my current address is reflected : XXXX XXXX XXXX, XXXX, GA XXXX. 
Please complete your reinvestigation, correct my file, and provide written confirmation of the address deletion within 30 days as required under the FCRA. 
Thank you for your immediate attention to this matter. Failure to comply may result in further complaints and potential legal action to enforce my rights under federal law. 
Sincerely,

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 2025-04-28 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:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX 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- Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-28 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: TN

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Notification of Ownership and XXXX XXXX American Express Credit Card Account No. XXXX and XXXX Dear Sir or Madam, I am writing to formally notify the Consumer Financial Protection Bureau that I, XXXX XXXX XXXX, am transferring all ownership and liability associated with my American Express credit card accounts ( Account No. XXXX and XXXX ) to The XXXX XXXX XXXX XXXX, located at XX/XX/XXXXXXXX, XXXX XXXX, GA XXXX. 

Effective immediately, I, XXXX XXXX XXXX, am no longer personally liable for any past, present, or future charges associated with this account. All rights, obligations, and responsibilities pertaining to the account have been transferred to the XXXXXX/XX/XXXXXXXX XXXX Statement has been filed under Filing Number : XXXX to reflect this legal transfer. 

I have already informed American Express of this change and have requested that their records be updated accordingly. 

I am submitting this notice to the CFPB for the purpose of documentation and to ensure that there is an official record of this transfer in case any future disputes or misunderstandings arise. 

Please feel free to contact me should you require any further documentation or information regarding this matter. 

Thank you for your attention to this notification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-28 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: TX

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 2025-04-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
XXXX is intentionally committing fraud. They are intentionally putting false information on consumers credit report. I have never lived in New York. Theyve put a false debt, from a company thats not located in New York, on my credit report. This is a XXXX party debt collector attempting to extort money from me with a false debt. I do not owe this company or any company this money. XXXX must be shut down and all its employees terminated. This is the only solution. XXXX staff understands that the XXXX administration doesnt care about this agency and will be shutting it down. No ones protecting consumers. XXXX is trash. This agency is untrustworthy.

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 2025-04-28 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MI

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 2025-04-28 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: MI

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 2025-04-28 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, 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 explanation
Consumer complaint received 2025-04-28 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to XXXX XXXX XXXX asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( XXXX, XXXX, and TransUnion ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
b"I reached out to Regions Mortgage to have my PMI removed due to my current loan to value.  I mailed the form along with documentation to prove the current value of my home.  I started this process last year. I sent them the XXXX  summary, the detail and my XXXX  assessed value that I pay taxes on.  I even emailed the same items later to the escalation department.    \nCurrently my current mortgage balance is XXXX  My current assessed value for XXXX  is, XXXX   My LTV calculated on these amounts would be 67.4%  \n\nThe response I received was that I had to pay XXXX  for a BPO because it was a XXXX XXXX requirement in order to remove my PMI.   I  emailed XXXX XXXX to get an exception on this and was told that the email address on their (XXXX XXXX) website was meant for the servicer of the loan.  XXXX XXXX  response was the servicer had the authority to waive the cost of the BPO not XXXX XXXX. \nI attempted to contact Regions back and told them XXXX  said it was up to the servicer to waive the cost and remove the PMI.  However, I was sent the same information back.  I must pay XXXX  for the BPO.  There is no legitimate reason to charge me $XXXX for a BPO, as I have proven documentation of my LTV. I wanted to know who this money was going to.  I have CLEARLY proven my current value of my home and have paid the PMI for 4 1/2 years.  What department was going to get paid to do the exact same thing XXXX my licensed Realtor provided me.  I sent my Realtors report and my property tax statement and I am at or below 67% LTV.  This is clearly gouging.  No one ever got back to me as to who would be paid for the BPO and why it was even needed since XXXX  doesn't require it."

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 2025-04-28 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: TX

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$130.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$980.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00}

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 2025-04-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Urgent Request for Removal of Fraudulent Credit Activity Due to Data Breach To Whom It May Concern, I am writing to urgently request the immediate removal or correction of inaccurate and fraudulent information on my credit report, which I believe is the result of my personal information being compromised in the Equifax data breach. 

According to the Equifax Data Breach Settlement site, my personal data was impacted. I am now seeing suspicious or unauthorized activity on my credit report that I did not initiate, authorize, or recognize. 

I request the following actions be taken immediately : Investigation and removal of all fraudulent items associated with this breach. 
Freezing of my credit file to prevent further unauthorized inquiries or accounts. 
Fraud alert placed on my file across all three major credit bureaus. 
Written confirmation once these actions have been completed. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of my government-issued ID, proof of address, and the confirmation from Equifaxs settlement site showing my information was impacted. 

I am also utilizing Experians Assisted Identity Restoration Services, engagement number XXXX, for further protection. 

Due to the severity of this situation, I expect immediate attention and resolution. Please confirm receipt of this request and update me promptly with actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Equifax is inaccurately reporting an unauthorized inquiry by XXXX dated XX/XX/year>. I did not authorize this credit inquiry, and it is highly suspicious given the widespread risk of data breaches involving consumer information. Under 15 USC 1681b and 1681e ( b ), Equifax must only report inquiries that are clearly authorized and properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I am formally filing a complaint against Equifax Information Services LLC for serious violations of the Fair Credit Reporting Act ( FCRA ), specifically : Equifax reinserted a previously deleted account, related to XXXX XXXXXXXX XXXX  XXXX. ( # XXXX ), into my credit report. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, before reinserting any deleted information, Equifax was legally required to : Obtain a written certification from the furnisher ( XXXX XXXX ) affirming that the information is accurate and complete. 

Provide me written notice within five ( 5 ) business days of the reinsertion. 

As of today : I have not received a copy of such written certification from Equifax. 

I have not received the legally required reinsertion notice within the five-day timeframe. 

Equifax has not demonstrated that it conducted a reasonable and manual reinvestigation before the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), supported by case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

By failing to meet these legal obligations, Equifax has violated the FCRA, exposing me to : Actual and emotional damages ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ___ ( 2021 ) ), Statutory damages for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
XXXX Hard inquiries Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Hard inquiries XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX CARD Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX CARD Inquiry : XXXX XXXX XXXX The previous hard inquiries are a result of identity theft. Per 18 U.S. Code 1028A - Aggravated identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want these hard inquiry removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed 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