vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I noticed Equifax incorrectly marked all my XXXX loans as closed, which caused a XXXXpoint drop in my credit score. My vantage score went down to XXXX. I have proof from my Equifax credit report downloaded on that date showing these loans were falsely reported as closed. 

Shortly after, Equifax reinstated my student loans, but my credit score was not restored to its previous level. All increases since have started from the XXXX point drop. There was no valid reason for my score to drop this significantly, as these accounts were never delinquent or closed. I contacted my student loan servicer and checked online as well, and both encounters proved my accounts were open, in good standing, and were not being transferred. 

There are also inaccurate accounts with no updates since XXXX, but they were previously available. I have added screenshots of that as well. 

I have attempted to resolve this issue with Equifax, but they have failed to correct the impact on my credit score. I am requesting that the original scoring impact be reversed and that Equifax properly update my report. I tried to file a dispute online on their website but could not complete a dispute and was given a phone number and address. I called twice on XX/XX/XXXX and was told that the accounts were not showing as closed and were ever closed. 

I have attached evidence from my credit report showing the reporting error.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions with unknown address that I have never lived or have an knowledge of with this accounts as I have updated all personal information and address on file, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The address listed with these accounts are not mine as I have updated Transunion with may correct address how can this account be verified or considered mine when I have no knowledge of the address or accounts. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. This accounts are listed at addresses I have never lived or have knowledge of and continue to come back as verified and unsure how is this possible if Transunion is following the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes which they are not following and shows that they are in violation of 15 U.S.C. 1 - U.S. C, 1681i. These are the following accounts that have been " verified '' by Transunion which are all incorrect below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 appliance and furniture is showing twice on credit with same account number one with a balance and one without balance which I have no knowledge of and never lived at this address.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TN

Complaint narrative:
I am disputing this account because it is inaccurate and unverifiable. Under the FCRA, you are required to verify this account. If you can not provide documented proof of its validity, it must be removed immediately. 

Additionally, I am requesting the method of verification, including : The Forward Flow Agreement Chain of Assignment Purchase Agreement Insurance Claim of Debt My signature agreeing to pay If you can not provide this information, you will be in violation of the FCRA

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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. *FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries and charge offs.

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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. *FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries and charge offs.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
RE : XXXX BLOCK REQUEST To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, stems from the result of XXXX. 

Inquiries : 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 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX Colorado Revised Statutes Title 13 - Courts and Court Procedure Limitation of Actions Article 80 - Limitations - Personal Actions 13-80-101. General limitation of actions- three years The statute of limitations to collect on this assumed debt in the state of Colorado has long expired

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 2025-03-17 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
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 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: NY

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene The Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administration proceeding ( File No. XXXX ) against them fir similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported. 
The specific details of the charge-off that I dispute are. 
1.Date opened 2.HIGH Credit 3.Last reported 4.Comments 5.Date of last activity

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported. 
The specific details of the charge-off that I dispute are. 
1.Date opened 2.HIGH Credit 3.Last reported 4.Comments 5.Date of last 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 2025-03-16 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: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX account XXXX XXXX, CONTRACT CALLERS INC account XXXX XXXX These companies are reporting fraudulent Inaccurate information on my credit report I have requested that they provide me with a purchase agreement to show full ownership ship of such account and also other documents so I May review to see if this is an account that actually belongs to me

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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX, XXXX XXXX XXXX ) ( Collection )

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: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: AZ

Complaint narrative:
My personal and financial information was compromised without my authorization the family education, right and privacy act FERPA protects the confidentiality of student records. This breach is clearly a violation FERPA and your responsibility to safeguard my information given the Severity of the branch and the resulting compromise to my personal and financial information I request that you immediately canceled and discharge my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: LA

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 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: LA

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 response to consumer: Closed with explanation