vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-22 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-22 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: NY

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
On XX/XX/year>, I received a denial of credit from XXXX XXXX XXXX XXXX, directly citing derogatory information reported by TransUnion. I have formally disputed multiple accounts with TransUnion, including charged-off accounts and accounts with unverifiable late payments. Despite my repeated efforts and supporting documentation, TransUnion has refused to correct or delete inaccurate and unverified information. 

Several of these accounts have already been updated or corrected by other credit bureaus ( such as XXXX  ), but TransUnion continues to report them without providing documentation or validating the data with the original furnishers, in violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). 

This has caused me financial harm, as evidenced by the denial from XXXX XXXX. TransUnions failure to conduct a reasonable reinvestigation, to provide documentation, or to delete unverifiable accounts constitutes a willful and negligent violation of federal law. 

I am requesting that the CFPB intervene and require TransUnion to permanently delete all accounts that remain on my report without proper verification or legal basis.

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 2025-04-22 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: CA

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are seriously affecting my life, and I demand they be promptly investigated, corrected, or removed. Immediate action is critical.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-22 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: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - I have no recollection of this account. Please investigate and remove from my credit report.

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MS , XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MS , XXXX EMPLOYER - XXXX XXXX EMPLOYER - 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 2025-04-22 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 recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. Please remove them as they are affecting my ability to obtain credit.

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 2025-04-22 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-22 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 am not Liable for the Debt Experian is reporting on my credit profile. They did not provide me with the original contracts as I requested from the listed accounts XXXX. XXXXXXXX XXXX  Account # XXXX- Not My Accounts XXXX. CitiCards/CitiBank- Account XXXX XXXX Amount {$180.00} XXXX. XXXX XXXX Bank XXXX - Account # XXXX Amount - {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX Amount {$720.00} I demand these accounts be removed from my credit profile immediately. Despite my efforts to resolve this issue with Experian and speaking with Countless Reps and Supervisors who have advised me they received all of the proper information and the negative accounts will be deleted they remain. I have recorded these conversations and have all of my tracking numbers for overnight mail and I'm prepared to proceed with suing Experian for violating numerous FCRA laws, XXXX XXXX and my Consumer rights. Experian has not responded to my last CFPB complaint # XXXX submitted on XXXX and XXXX complaints remain open.

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 2025-04-22 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous dispute filed with the CFPB against TransUnion. I am demanding immediate correction of the inaccurate and previously deleted XXXX XXXX XXXXXXXX accounts that TransUnion has unlawfully reinserted into my credit report. These accounts were previously removed after being found unverifiable, yet TransUnion re-reported them without complying with the legal procedures required under the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes, and TransUnion has continuously failed to conduct a proper reinvestigation, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a fair and timely review within 30 days to show how these accounts were verifiedin violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ).

Let me be absolutely clear : XXXX and XXXX  are NOT reporting these accountsonly TransUnion is. This inconsistency shows a complete failure on TransUnion 's part to ensure accuracy and raises serious questions about their internal processes. 

Reinserting deleted information without providing the required written notice within five business days, and without certifying the accuracy of that information, is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This also violates TransUnions obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

I do NOT consent to any AI-based or automated system ( such as E-OSCAR ) being used to verify these accounts. That is not a reasonable procedure under the law. I expect a full manual investigation and actual documentation proving the accuracy of the data they reinserted. 

Because of the damage this has causedfinancial harm, emotional distress, and missed opportunitiesI am requesting that the CFPB take strong enforcement action against TransUnion. If this matter is not corrected immediately, I will pursue damages under 15 U.S.C. 1681n and 1681o for willful and negligent violationsup to {$1000.00} per violation.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Reference : XXXX Complainant : XXXX XXXX XXXX XXXX DESTINY CARD ( Concora Credit Inc. , servicing XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to Concora Credit Inc. ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card account.

Per the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.

While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

We can apply any unpaid amount against your credit limit.

Despite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved.

I am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.

I am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).

2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.

3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.

4. A written explanation of why credit protection was not offered or applied.

5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.

If the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a collection account on my credit report from an original creditor with whom I never had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-22 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: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX - XXXX * * - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. 
PLEASE UPDATE TO PAID ON TIME Unknown - XXXXXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief