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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have requested for Trans Union to send me documentation with proof of me owning the following accounts and they replied, " Verified and Update '' and they keep on updating the account to push the statute of limitation further way from the current date it supposed to be. 

Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : XXXX XXXX  Balance : {$600.00} Date Updated : XX/XX/XXXX Pay Status : >Charge-off< Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance ( Hist. ) : High balance of {$1800.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) : Credit limit of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} High Balance : {$720.00} Pay Status : Paid, closed ; was Paid as agreed Terms : {$0.00} per month, paid Monthly for 24 months Date Closed : XX/XX/XXXX Remarks : CLOSED

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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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: 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: NC

Complaint narrative:
I disputed information that appeared to be inaccurate on my credit report. The resolution came back fast saying that the debt was verified. I strongly believe that there was no legitimate investigation into these matters. Im aware section 609 requires you to have contract bearing my signature verifying that XXXX the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. Account XXXX XXXX XXXX ( XXXX $ ), XXXX XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$420.00} ), XXXXXXXX XXXX XXXX XXXX ( has been settled but is still showing negative on credit XXXX XXXX debt ( account # XXXX showing on report that I have no knowledge of ) XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. I do not have a contract nor did I authorize these companies to obtain my information. My rights were violated under FDCPA. The credit bureaus failed to do a thorough investigation into these matters. Please delete from credit report or provide proof showing these are in fact accounts that belong to me

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: NJ

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 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: NJ

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX SSN : XXXX Date : XX/XX/year> Account Number : XXXX Amount : {$700.00} Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX : Cease and Desist Request Under FDCPA Account Reference # XXXX To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) demanding that Absolute Resolutions immediately cease and desist all collection activities related to the above-referenced account.

Furthermore, I am asserting my rights under 15 USC 1692c ( c ), which clearly prohibits further communication from a debt collector once written notice has been received requesting that communication cease. I am also aware that the term " communication '' is defined in 15 USC 1692a ( 2 ) as the conveying of information regarding a debt directly or indirectly to any person through any medium. This definition includes, but is not limited to, reporting to credit bureaus.

Therefore, I consider any continued reporting to consumer credit reporting agencies as a form of continued communication in direct violation of federal law. 
If you believe you have the legal authority to continue reporting or contacting me in any form, you must provide written validation of the debt, including the original creditor, itemization, and proof that your company has legal ownership or assignment of this alleged debt. Otherwise, you are required to cease all activity, including furnishing information to any consumer reporting agency under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
Be advised that failure to comply with this notice may result in me pursuing all available remedies under federal and state law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and considering legal action for damages. 
I demand that you provide written confirmation of your compliance with this cease and desist request within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Student Loans account opened at XXXX on XX/XX/year> Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I Don't recognize the address and I would like it to be removed from my credit report. Can you please remove it from my credit reportXXXX XXXX XXXX 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 2025-04-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-04-22 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: NV

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX To Whom It May Concern, I am filing this complaint regarding a credit reporting issue involving XXXX XXXX. Despite the fact that I have paid this loan in full, the company continues to report the account as open on my credit report through Experian Report XXXX XXXX. ( Please see attachments ) I have submitted proof of the final payment directly to XXXX XXXX as well as through multiple disputes with Experian. Unfortunately, the account status remains unchanged. Experian has informed me that XXXX XXXX is still servicing the account, but the company has not updated the status to Closed Paid in Full. 

This inaccurate reporting is misleading and harmful to my credit profile. I have made every effort to resolve this matter directly with XXXX XXXX and through the credit bureaus dispute process, but the issue persists. 

I am requesting the CFPBs assistance in compelling XXXX XXXX to : Accurately report the account as closed and paid in full ; Update the status with Experian and any other credit bureaus they report to. 

I have attached the relevant documentation, including proof of my final payment and prior dispute records. 

Thank you for your time and assistance in helping to resolve this matter.

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: VA

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 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: VA

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I applied for a business checking account on XX/XX/XXXX which would pay {$500.00} after fulfillment of the requirements which were to perform 20 transactions and deposit at least {$2500.00} into the account within 25 days of account opening. On XX/XX/XXXX I received an email stating that my application was being reviewed and that if the application was approved I would be notified within 1-2 business days. On XX/XX/XXXX I received the email stating that my account had been approved and was ready to be used. On XX/XX/XXXX, or 16 days after receiving the notification stating that the account had be opened, a deposit of more than {$2500.00} posted to the account. After waiting over 180 days I emailed asking for the status of the payment of the {$500.00} bonus, and they replied stating that the account was opened on XX/XX/XXXX and therefore the deposit had been received more than 25 days after account opening and that I was ineligible for the bonus. A call and a visit to a local branch also proved unhelpful. 

It appears that TD Bank is claiming ( incorrectly ) that the account was opened on XX/XX/XXXX instead of XX/XX/XXXX to avoid having to pay the bonus. To reiterate, I had no access to the account nor did I have any notification that the account had been opened prior to XX/XX/XXXX. The refusal of TD Bank to rectify their error and honor the promotion is a dishonest maneuver and until this is corrected, others need to be aware of the risks of doing business with this bank.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: OH

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief