vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-27 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, XXXXXXXX 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 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 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 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 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a {$200.00} credit limit with Target and my payments are due the XXXX of the month. I made my full payment of {$190.00} on XX/XX/XXXX and the payment cleared my bank and posted to my target account on XX/XX/XXXX. I attempted to take advantage of a sale yesterday and noticed my credit limit was only {$6.00}. I called target, sat on hold for 45 minutes and after another 45 minutes of explaining the situation they confirmed that they payment was received and posted but the " appropriate department '' needed to verify the payment with my bank. That has never happened before and I use my checking account every month. The call was disconnected and I had to call back. I called back 8 more times since then and nobody has been able to resolve the issue. I emailed target through the target app and received an autoresponse stating someone would contact me within 24 hours ; it's been 32 hours and nobody followed up. I've been trying to reach them all day but can not get through to a representative. I never received an " adverse action notice '' or correspondences informing me of any payment verification or new policy for processing payments that might cause a delay or make my credit card unusable. Even after identifying the problem they haven't done anything to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NM

Complaint narrative:
I did not authorize or consent to the creation of these accounts. These fraudulent activities have negatively impacted my consumer report, and I am requesting immediate assistance in having these accounts permanently removed. 

Additionally, my personal information has been exposed in multiple data breaches, including but not limited to : XXXX Data Breach XXXX Data Breach Other breaches involving my sensitive personal details I believe that my stolen information was used by an unknown party to commit identity theft. I have already taken steps to protect my identity, such as filing disputes with the relevant credit bureaus and implementing fraud alerts. However, these unauthorized accounts remain on my consumer report, affecting my financial standing. 

Discover Bank Balance : {$160.00} Account number : XXXX Opened : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-27 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:
Experian, Transunion and Equifax, are showing incorrect names and credit inquiries in my report : XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiried on XX/XX/XXXX . 

Also There is variations and incorrect addresses on my report, and there is an incorrect late payment on my XXXX account.

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 2025-03-27 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: MA

Complaint narrative:
I am invoking these laws as I fee that my all efforts to reach your insitituion have been in vain I have sent many letters with no response back I am requesting that the CFPB sent letters to you request your immediate attention to the next accounts and inquiries Massachusetts General Laws Chapter 93, Section 54A Protection for identity theft victims.

Massachusetts General Laws Chapter 266, Section 37E Criminal penalties for identity fraud.

Massachusetts General Laws Chapter 93A, Section 2 Unfair and deceptive practices. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
Massachusetts Identity Theft Law ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to XXXX Fraudulent Accounts : XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$60000.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$600.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX Fraudulent Credit Inquiries : XXXXXXXX XXXX - XX/XX/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 XX/XX/XXXX Additionally, the following addresses are incorrect and should be permanently removed from my credit file : XXXXXXXX XXXX, XXXX, MA 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, MA XXXX This information has hurt my credit standing and has caused me unnecessary stress

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 2025-03-27 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: MA

Complaint narrative:
I am invoking these laws as I fee that my all efforts to reach your insitituion have been in vain I have sent many letters with no response back I am requesting that the CFPB sent letters to you request your immediate attention to the next accounts and inquiries Massachusetts General Laws Chapter 93, Section 54A Protection for identity theft victims.

Massachusetts General Laws Chapter 266, Section 37E Criminal penalties for identity fraud.

Massachusetts General Laws Chapter 93A, Section 2 Unfair and deceptive practices. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
Massachusetts Identity Theft Law ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to XXXX Fraudulent Accounts : XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$60000.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$600.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX Fraudulent Credit Inquiries : XXXXXXXX XXXX - XX/XX/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 XX/XX/XXXX Additionally, the following addresses are incorrect and should be permanently removed from my credit file : XXXXXXXX XXXX, XXXX, MA 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, MA XXXX This information has hurt my credit standing and has caused me unnecessary stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MA

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received an email stating that I was paying an invoice roughly in the amount of {$540.00} that was authorized through Paypal. This was never authorized. The rest of the info is below : Original the notice it was sent : XXXXXXXX XXXX XXXX The other email addresses are : XXXX XXXX is listed as the company. I could not click on the link and when I called ( XXXX ) XXXX ( their help line ), they immediately ask you for personal infortmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Sloan XXXX XXXX XXXX has late payments on my credit bureaus report and it's false. Please remove account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX of XXXX, I gave notice to the XXXX  that I was to move out on XXXX of XXXX. I moved out, and that was it. XX/XX/XXXX I was sent a letter to my employer stating I owed XXXX XXXX XXXX claimed that I owe utilities into the month of XX/XX/XXXX. I informed the XXXX  that was incorrect and that they send me supporting documentation, which they did NOT provide. XXXX of XXXX I received a letter that my " debt '' was sent to collections, after no supporting documentation was supplied by the XXXX. 

I called and emailed the XXXX  multiple times, and was not answered any of those times. In XXXX of XXXX, I drove XXXX miles to visit the XXXX  in person to ask why they are not answering my calls and why I haven't received documentation about their claims to money they allege that I owe. No one at the complex knew what I was talking about. The manager on duty claimed " I wasn't in their system ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate and damaging information that has been reported on my credit report. The information in question is not only incorrect but is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which governs the accuracy of information reported by credit reporting agencies. 
Upon reviewing my credit report, I discovered that the following information is either outdated, incorrect, or has been improperly included : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is entirely false, and it is completely unacceptable that it has been reported without proper verification. I demand that the inaccurate data be removed from my credit report IMMEDIATELY, as per my rights under FCRA 605B.

I expect the following actions to be taken : 1. Immediate removal or correction of the incorrect information.

2. A formal statement confirming that the incorrect data has been removed and the correction has been made.

3. An updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated 30-day timeframe, I will not hesitate to take further action. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies, including a lawsuit for damages resulting from the failure to comply with federal law. 
Additionally, should this erroneous information remain on my credit report, I will hold your agency fully accountable for any harm that comes from the continued inaccuracy of my credit file. I expect you to take this matter seriously, as this is a direct violation of my consumer rights. 
I am providing the following documentation to support my dispute : FTC report ID SSN Billing Statement Affidavit You are required by law to investigate this dispute and resolve it promptly. Failure to comply will result in immediate escalation, and I will pursue all available legal avenues to protect my rights. 
I expect a response within 30 days from the date of this letter. If I do not hear from you by then, I will proceed with further action without hesitation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last XXXX of XXXX : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XX/XX/XXXX ) on the account ( XXXX  XXXX account number XXXX ). 
This is not true, I was not late on ( XX/XX/XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
There are several late payment that show inaccurate information that should be updated due to inaccurate reporting : -Late payment XX/XX/XXXX - XXXX  days -Late payment XX/XX/XXXX - XXXX  days -Late payment XX/XX/XXXX XXXX  days -On time payment XX/XX/XXXX -On time payment XX/XX/XXXX -Late payment XX/XX/XXXX - XXXX  days -Late payement XX/XX/XXXX - XXXX  days 15 USC 6802 States except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 USC 1681b States you must have written instructions from me allowing you place this information on my criedt report. Please verify a letter with my wet signature providing permission. Please update paymebt history, if you are unable to provider this letter. 

After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards,

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