vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IA

Complaint narrative:
I am formally disputing the reporting of the following student loan accounts on my credit report. These accounts, though marked as " Paid and Closed '' or " Deferred, '' are creating undue complications during the mortgage underwriting process and reflect inaccuracies, duplications, or unverifiable information. 
Additionally, my personal information was compromised in the XXXX data breach, and I have reason to believe these accounts may have been impacted. Under federal law, I am requesting a thorough reinvestigation and the immediate deletion of these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
Method Of Verification Using FCRA 611 I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX {$4900.00} XXXX {$4900.00} XXXX. XXXX {$2400.00} XXXX. XXXX {$11000.00} XXXX. US Bankruptcy false claim Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. 
Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines and Bankruptcy.

igdiuxgaushxilk gyidwgiuegdl Why are you not investiga ting my dis pute? The XXXX accounts all have the same thing in common. They all have reaging issues and all four of them have missing information and inaccurate information, This is how I kno you hav not verified anything! You are simply sending these stall letters. 
You do not want to do your legal duty which is to report accurately. I will never give up! never! You Will do your job and report only what is accurate. I know you get paid by these creditors, which is a conflict of interest. I know you have a vested interest in keeping me with bad credit. I know in your eyes im a nobody. You dont have to honor me, but you are hurting me with this inaccurate info mation. 
This bankrupt info is wrong and it isnt mines. You want to hurt me so bad but you are wrong. XXXX and Transunion both have me with no bankruptcy. Do your job and check it out! I filed a FTC report against you, Now i'm going to have to go to the state Attorney General!

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 2025-03-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-16 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I completed several disputes on my credit report concerning the bankruptcies. The credit bureaus responded that the bankruptcies are verified and accurate by way of the court. However I contacted the court where the bankruptcies originated and the court respond to me that they do not verify records with the bureaus or any entity for that matter making the statement about the bankruptcies being verified by the for that matter making the information either on factual or inaccurate. I have the right to a fair and accurate credit report and inaccuracies like this are unacceptable! I want these bankruptcies 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
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I ordered and paid for a dress on XXXX for a special event on XX/XX/XXXX. It was required and guaranteed to be received by XX/XX/XXXX. I never received the dress. I was offered a replacement dress in XXXX that was past the guaranteed date and event date, which did not satisfy the terms of the order. XXXX never gave me a coupon code or discount code for the replacement dress. XXXX gave me a fake offer. I filed a dispute with AMX on XXXX. The shipper was XXXX XXXX, which I have never heard of. They don't offer insurance or claims for shipping miss-delivery, loss, theft, or damage. AMX will not refund my money. Shipping delivery is not a guarantee that items are in a box or that the customer received a perfect box. Shipping delivery confirmation is only a guarantee that the shipping XXXX label landed at a location, which can be the wrong location. It does not guarantee condition, the specific location, or the contents. Damaged boxes and contents are not confirmed delivery, but wrong, tampered with, and damaged delivery. The government and the police need to step in and fix the fraud that happens in the shipping industry with delivery confirmations. I want AMX to refund me {$150.00} for a dress that I never received but paid for. The other option is to give me a real coupon code, discount code, or gift card for {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CORELOGIC INC
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative XXXX I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, XXXX and XXXX. 

A request for a permanent security freeze and permanent opt-out on my consumer file. 

Part XXXX : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts. 

Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : XXXX XXXX XXXX  Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Bank Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX  Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.

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 2025-03-16 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 


Inaccurate Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$3100.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$800.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have no knowledge of this account I'm not responsible for it they said its mine but its not mine they have no proof

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 2025-03-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. BLOCK REMOVE AND DELETE FROM MY CREDIT FILE DNF ASSOCIATES {$1500.00} XXXX XX/XX/scrub>XXXX 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
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX TransUnion credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-16 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: CA

Complaint narrative:
Sent this letter to bureau. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
l also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It s my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, lease update my_payment history to PAANL status ( Paid As Agreed, Never Late according to consumer protection laws.

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 2025-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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