vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: DC

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Statebridge Company
State: MI

Complaint narrative:
Ive asked for mod to forgive part of loan house is not worth XXXX house is worth XXXX. Wont give tradition 30 yr loan mod only 5 first time now 14 years for only XXXX of XXXX. In 14 yrs all XXXX due. Almost nothing is going to the principal. They sent fake appraisal out saying its worth XXXX XXXX yrs ago then sent one out last month saying its worth XXXX now and its in worse shape now then 2 yrs ago. I have for years asked for a fair trad mod for 30 yrs that is what the house is worth they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
b'I submitted a formal credit dispute to Equifax via certified mail on XXXX XXXX XXXX which included all legally required supporting documents: a notarized identity affidavit, Social Security card, proof of address, and dispute letters citing specific FCRA statutes. Tracking number: XXXX XXXX XXXX XXXX XXXX XXXX confirms timely delivery.\n\nDespite this, Equifax:\n Has not provided a legally compliant Method of Verification under 15 U.S.C.  1681i(a)(7).\n Failed to reinvestigate or respond properly under 15 U.S.C.  1681i(a)(1)(A).\n Claimed my submission was favorable (incorrect terminologypossibly meant frivolous) without providing any factual basis or written explanation.\n Is currently blocking my access to my own credit file and score online (Error Code: XXXX, preventing me from verifying if they complied with FCRA  1681g(a) (full file disclosure rights).\n\nEquifaxs conduct violates:\n FCRA  1681g(a)  Right to access full file;\n FCRA  1681i(a)(1)(A) and (5)(A)  Reinvestigation and deletion of unverifiable information;\n FCRA  1681i(a)(7)  Right to MOV;\n FCRA  1681s-2(b)  Furnishers duty to investigate when dispute is received via CRA;\n And potentially FCRA  1681e(b) for reporting unverifiable or inaccurate information without sufficient procedures for accuracy.\n\nAdditionally, I have evidence (phone recordings and written logs) confirming that Equifax acknowledged receipt of my package and verified that my identity had already been authenticated. They also claimed blocks were removedbut I still cannot access my report or score.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am submitting a formal dispute against XXXX  for failing to delete a collection account reported by CAVALRY PORTFOLIO SERVICES , LLC ( also listed as CAVALRY PORTFOLIO SE ) in connection with an alleged debt from XXXX XXXX. The alleged balance is {$4300.00}. Despite my prior dispute, XXXX  did not provide evidence that meets the legal burden of proof under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). XXXX  claims to have verified the account, yet no signed agreement bearing my signature or Social Security number was provided, nor was any legal assignment contract showing XXXX has authority to collect on behalf of XXXX XXXX. This violates FDCPA 1692g ( b ), which requires validation of the debt upon request, including proof of the original creditor and assignment rights. Further, this account has been illegally re-aged. It continues to be updated through XX/XX/year> despite there being no consumer-initiated activity, which violates FCRA 1681c ( a ) ( 4 ). This law prohibits furnishing collection account data beyond seven years from the date of first delinquency. Additionally, FCRA 1681i ( a ) ( 5 ) ( A ) requires unverifiable information to be deleted. XXXX  's response that the account " belongs to me '' is insufficient and fails to meet the standard of " maximum possible accuracy '' under FCRA 1681e ( b ). Discrepancies in the balance amount and the absence of original agreement terms further demonstrate that the account is inaccurate and unverifiable. XXXX failure to conduct a proper investigation and its reliance on unverifiable data violate my consumer rights. I am demanding that this collection account be permanently removed from my XXXX  credit file. If XXXX  can not provide full legal validation including a copy of the original signed agreement and an assignment contract, this account must be deleted immediately under FCRA. I request that the CFPB take immediate action to ensure XXXX  complies with federal law and upholds my rights as a consumer. Continued failure to do so may lead me to pursue further legal action for willful and negligent violations under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against Equifax XXXX for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). I have submitted multiple formal written requests and dispute letters to Equifax requesting disclosure of my consumer credit file and reinvestigation of information. Each time, Equifax falsely claims that they can not locate a credit file for me, despite the fact that I have active credit relationships and a provable credit history with Equifax. 

Their continued refusal to provide a full consumer file and failure to process valid disputes violates the following FCRA provisions : 15 U.S.C. 1681g failure to provide consumer disclosure ; 15 U.S.C. 1681i failure to reinvestigate disputed items ; 15 U.S.C. 1681b improper withholding or mishandling of my credit report.

These violations have directly resulted in emotional distress, time loss, and potential denial of credit and financial opportunities. Equifaxs actions show a pattern of willful noncompliance and disregard for consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against Equifax for failing to report my credit score since XX/XX/XXXX. Despite my efforts to resolve this issue, including sending a letter on XX/XX/XXXX, and making a follow-up phone call to Equifax to inquire about the situation, my credit score has still not been updated or released. 

When I called Equifax, I was informed that there was an internal block on my account due to suspected fraudulent activity ( although I was not provided with specifics regarding this claim ). I was instructed to send a letter with my address requesting the removal of this block. I followed these instructions and sent another letter on XX/XX/XXXX, which included my driver 's license and proof of address, as requested. 

As of XX/XX/XXXX, my credit score has still not been reported. This block has been in place for over XXXX months and has been hindering my ability to obtain credit. I have complied with all of Equifax 's requirements and made repeated attempts to resolve this issue, yet I have not received a proper response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
* EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RESEARCH REQUEST CONFIRMATION NUMBER XXXX Dear Equifax, I have been a victim of identity theft and fraud, and you continue to have fraudulent and delinquent accounts and information on my credit report that do not belong to me. 

The previous address listed on my report is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This address is not mine, nor have I ever lived there at any point in my life. It is fraudulent. 

Additionally, there is a closed account listed under " Discount Card '' with a balance that does not belong to me. This is also a case of fraud and needs to be removed immediately. 

I request that you resolve this matter as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
My identity was used to open fraudulent accounts. I checked my credit today, XX/XX/XXXX, and these accounts were listed on my credit report. I have been on Iowa XXXX benefits since XXXX and have resided in XXXX, XXXX  and XXXX XXXXXXXX, IA. I have not lived outside of Iowa after XXXX. I can not work due to a medical issue ( brain aneurysm XXXX ). I did not apply for these accounts. I have had the same email XXXX. com for 24 years and the same telephone number XXXX for 14 years. Any accounts opened with XXXX XXXX XXXX XXXX XXXX, CA XXXX is fraudulent. I have never lived there. Any phone number associated with these accounts that is NOT XXXX, is fraudulent. I will fight this negative reporting legally by suing the creditors and collection agencies reporting these fraudulent accounts. If needed, I can provide my Iowa Driver 's license etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 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
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
On XX/XX/XXXX, I mailed a full dispute packet to TransUnion via Certified Mail with Return Receipt ( tracking number provided ), which included five distinct legal disputes : collections, charge-offs, hard inquiries, late payments, and inaccurate personal information. Each letter cited the applicable statutes under the Fair Credit Reporting Act ( FCRA ) and included a formal request for reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ), a Method of Verification under 1681i ( a ) ( 7 ), and deletion under 1681i ( a ) ( 5 ) if the item could not be verified. 

I also included a notarized identity affidavit, proof of address, and clearly identified each item by report number or account identifier. Despite this, TransUnion has failed to provide any of the legally required verification documentation or a method of verification for the accounts in question. 

Additionally, certain balances appear to have been updated during the investigation period in violation of FCRA 1681i ( a ) ( 2 ), and TransUnion has continued to report items it can not legally verify. I also received a vague response referencing verified results without documentation. This suggests the dispute was handled via an automated system ( e-OSCAR ) without meaningful human review, which has been deemed inadequate by courts such as Cushman v. TransUnion, 1XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

At this time, I am requesting regulatory intervention to compel TransUnion to provide actual documentary validation or permanently delete the disputed accounts.

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 2025-05-06 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On or around XX/XX/year>, I mailed a certified dispute and debt validation package to Chase regarding multiple charge-off accounts they are reporting. My letters formally invoked my rights under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 1692g. I specifically requested full validation of the debts, including the original signed contracts, a detailed accounting, and documented proof of legal assignment. 

Along with this package, I included all legally required identity verification documents : a notarized affidavit of identity, a copy of my government-issued ID, and a recent utility bill as proof of address. These materials were sent via Certified Mail with Return Receipt, and delivery was confirmed. 

Despite receiving my package, Chase responded stating they lacked sufficient information, yet referenced the disputed accounts by number and continued furnishing them to consumer reporting agencies. They failed to provide any of the mandatory verification under FCRA 1681i ( a ) ( 5 ) or FDCPA 1692g ( b ), and they did not cease reporting as required when proper validation is not provided.

Additionally, I submitted a Method of Verification ( MOV ) checklist explicitly detailing the information I was requesting. Chases vague response and refusal to comply indicate a potential pattern of noncompliance with federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: DC

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 2025-05-06 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: DC

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
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX  Account Number : XXXX DEPT OF ED-XXXX  Account Number : XXXX DEPT OF ED-XXXX Account Number : XXXX DEPT OF ED-XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 non-monetary relief
Consumer complaint received 2025-05-06 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:
The following companies checked my credit and performed hard inquiries, and I would like them removed XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX FCU Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( 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