vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
. CFPB XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX XXXX. XXXX ) and FDCPA ( XXXX XXXX. XXXX ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, 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 2025-04-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-23 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: RI

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 2025-04-23 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: RI

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 2025-04-23 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: GA

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 2025-04-23 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: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-23 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: WA

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 2025-04-23 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: WA

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, XXXX XXXX, did not give credit wise permission to run an inquiry on my credit report. They ran an inquiry on XX/XX/year> without my permission. I called them and asked them why and they had no response. I believe it's pertaining to Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am writing to dispute a collection notice ( reference # XXXX ) I received for {$200.00}, supposedly owed to XXXX. The notice lists account number ending in XXXX. My actual XXXX account number is XXXX, ending in XXXX. This discrepancy leads me to believe there has been an error in Credit Control 's records. 

I paid XXXX {$200.00} in full on XX/XX/year>, with my card ending in XXXX. I have confirmed this payment with XXXX directly, and they have verified that my account is paid in full. 

I sent Credit Control supporting documentation, including a copy of my bank statement showing the payment to XXXX on XX/XX/year>, and a copy of a previous XXXX statement showing my correct account number ( ending in XXXX ). 

I have attempted to contact Credit Control via telephone on two separate occasions and left voicemails, but have not yet received a response.

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 2025-04-23 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: 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 non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX Attn : Customer Service/ Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Notice of Dispute Inaccurate Charge-Off Due to Securitization Process Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the charge-off that appears on my credit report under the above account number. I believe this charge-off is inaccurate due to issues related to the securitization process of the debt, and I am requesting that you investigate this matter. 
Securitization Issue : Based on my understanding of the securitization process, when debts such as this one are bundled and sold to investors, the ownership of the debt can change hands. This can lead to potential issues with : Ownership of the debt : If XXXX XXXX sold this debt to a third party ( such as a securitization trust ), it is possible that XXXX XXXX no longer owns the debt, and the charge-off may have been reported inaccurately, with incorrect ownership details. Account records : The records used to report the charge-off may not reflect the correct entity that currently holds the debt. If the account was sold or transferred, it may not have been updated in your reporting system correctly. 
Request for Investigation : Please confirm whether this debt was securitized or sold to any third parties and provide documentation to verify the ownership history of this account. Please verify the accuracy of the charge-off, including the date of first delinquency, the current balance, and the status of the debt. If the debt was transferred, the reporting must reflect that change accurately. Provide evidence of the correct creditor to whom the charge-off was reported, including any supporting documents proving the validity of the charge-off and ownership chain. Next Steps : Under the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or removed. If the information reported on this account is found to be inaccurate due to the securitization process, I request that this charge-off be removed from my credit report immediately. Please provide me with the results of your investigation within the next 30 days as required by law. If this account can not be verified as accurate, I expect it to be removed from my credit file. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-04-23 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: CA

Complaint narrative:
I am writing as a consumer under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair and Accurate Credit Transactions Act ( FACTA ). This statement serves as both a formal dispute and a goodwill request to address derogatory items and inquiries that appeared on my credit file during a period where I was a victim of fraud and potential identity theft.

Legal Basis for Dispute ( FCRA Compliance Requirements ) Under FCRA 602 ( A ) and 607 ( b ), furnishers are legally required to : Ensure the maximum possible accuracy of all information reported.

Promptly investigate disputed items and correct or remove anything inaccurate or unverifiable.

Provide proof and documentation to support derogatory data they continue to report.

Furthermore, FCRA 611 ( a ) ( 1 ) requires investigation and response within 30 days of a consumer dispute. If the information can not be verified, it must be deleted.

Accounts in Dispute The following accounts reflect serious late payments or charge-offs that I believe are either inaccurate, unauthorized, or tied to fraudulent use of my information : XXXX. XXXX XXXX XXXX XXXX late payment ( Equifax ) XXXX late entries across Experian and TransUnion. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX late payments across all XXXX bureaus. 
XXXX. XXXX XXXX XXXX late payments including XX/XX/XXXX day lates. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX days late reported on TransUnion XXXX 



Hard Inquiries in Dispute The following hard inquiries appeared without my knowledge or consent. I am disputing them as part of this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting these inquiries be removed immediately as they were unauthorized and are harming my credit standing. 



Requested Action I respectfully request the following : Immediate deletion or correction of the inaccurate, outdated, and unverifiable accounts listed above.

Optional re-aging of late payment accounts to show a Pays As Agreed status.

Removal of all unauthorized hard inquiries.

Notification to Experian, Equifax, and TransUnion of the updates pursuant to FCRA 623 ( a ) ( 2 ).

Supporting Documents Attached FTC Identity Theft Affidavit & Police Report Government-issued ID Proof of address ( e.g. Bank Statement ) Please acknowledge this dispute and provide written resolution within 30 days, as required by FCRA 611 ( a ). If any item is verified, I request a copy of the documentation used for verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your time and attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing as a consumer under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair and Accurate Credit Transactions Act ( FACTA ). This statement serves as both a formal dispute and a goodwill request to address derogatory items and inquiries that appeared on my credit file during a period where I was a victim of fraud and potential identity theft.

Legal Basis for Dispute ( FCRA Compliance Requirements ) Under FCRA 602 ( A ) and 607 ( b ), furnishers are legally required to : Ensure the maximum possible accuracy of all information reported.

Promptly investigate disputed items and correct or remove anything inaccurate or unverifiable.

Provide proof and documentation to support derogatory data they continue to report.

Furthermore, FCRA 611 ( a ) ( 1 ) requires investigation and response within 30 days of a consumer dispute. If the information can not be verified, it must be deleted.

Accounts in Dispute The following accounts reflect serious late payments or charge-offs that I believe are either inaccurate, unauthorized, or tied to fraudulent use of my information : XXXX. XXXX XXXX XXXX XXXX late payment ( Equifax ) XXXX late entries across Experian and TransUnion. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX late payments across all XXXX bureaus. 
XXXX. XXXX XXXX XXXX late payments including XX/XX/XXXX day lates. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX days late reported on TransUnion XXXX 



Hard Inquiries in Dispute The following hard inquiries appeared without my knowledge or consent. I am disputing them as part of this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting these inquiries be removed immediately as they were unauthorized and are harming my credit standing. 



Requested Action I respectfully request the following : Immediate deletion or correction of the inaccurate, outdated, and unverifiable accounts listed above.

Optional re-aging of late payment accounts to show a Pays As Agreed status.

Removal of all unauthorized hard inquiries.

Notification to Experian, Equifax, and TransUnion of the updates pursuant to FCRA 623 ( a ) ( 2 ).

Supporting Documents Attached FTC Identity Theft Affidavit & Police Report Government-issued ID Proof of address ( e.g. Bank Statement ) Please acknowledge this dispute and provide written resolution within 30 days, as required by FCRA 611 ( a ). If any item is verified, I request a copy of the documentation used for verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MO

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I sent email telling them that I was being charged {$99.00} monthly fees to repair my credit and remove negative items from my credit on how they promised and nothing was changing or being done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I have an account with Acima on XXXX the withdrawal XXXX from my checking account after I had the card removed 2 times. I never spoke with anyone to add my card back or to take my money. Spoke with manger said they would refund me then call back and said because I have there merchandise they can add my card and pull money when they got ready.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a complaint for reporting inaccurate unverified information on my credit report. I received an email asking for me to submit my ID and other verifying information in order for the information to be removed via a link, however, the link is not working. I sent the information via mail but my account has not been removed. I have attached all the requested information on this complaint below.

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 2025-04-23 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: VA

Complaint narrative:
I filed a complaint for reporting inaccurate unverified information on my credit report. I received an email asking for me to submit my ID and other verifying information in order for the information to be removed via a link, however, the link is not working. I sent the information via mail but my account has not been removed. I have attached all the requested information on this complaint below.

Company response to consumer: Closed with explanation