vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and reporting of the following account on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements : Creditor Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA 611 ( a ), all information reported to the credit bureaus must be 100 % accurate, verifiable, and compliant with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 reporting guidelines .

I am requesting a full investigation into the accuracy and completeness of this account 's reporting. If this account is being reported in violation of Metro 2 compliance standards-including, but not limited to, incorrect Date of Last Activity ( DLA ) , inconsistent payment history, or unverifiable ownership-then it must be
corrected or permanently deleted from my credit file. XXXX and XXXX are already being sued for these sham investigations. 

I request that you : Provide me with the complete verification records for this account, including the method of investigation. Confirm that the reporting meets all Metro 2 data integrity standards. Remove the account immediately if it can not be 100 % verified as compliant with federal and industry standards. 
Creditor did not Provide : Requested Validation Chain of Ownership ( Securitization ) Assignment Contract with Wet Signature Please respond within the legally required timeframe of 30 days. Failure to comply may result in further action being taken. I appreciate your prompt attention to this matter and look forward to your written confirmation.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-05 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 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 2025-03-05 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, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV has expired accounts on my credit report. Statute of limitations in Minnesota where I live is 6 years from the last payment I made. All of the accounts are past the 6 years mark and should no longer be on my credit report. When I did dispute them through a credit report company, LVNV removed them from my credit report for a short time and then added them again. By law all of them need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
They have inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: OH

Complaint narrative:
I had identity theft been awful! Most things have been removed been a long process! I have tried with company several times they keep saying mine sent police report evidence in hospital at time my health is bad just stressful not mine I dont even know what it is never heard of it! Only XXXX dollars not mine though.please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

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 word document. 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 explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it promptly.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 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: IL

Complaint narrative:
Some one applied for account with out my permission fraudulent account

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 2025-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Some one applied for account with out my permission fraudulent account

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ive received a wire from my broker to my navy federal account. Since then they have locked my account and its been months. Ive filed appeals and provided multiple proofs including the brokers contact, navy refuses to speak to him to validate the wires. Ive sent in bank statements of the sender and proof of funds from the senders bank as proof of legitimacy and still Im getting neglected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/2025 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation.

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation.

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
Some one applied for account with out my permission fraudulent account

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 2025-03-05 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
, and XXXX, violating the Fair Credit Reporting Act ( FCRA ). The errors include : 1. Different Last Payment Dates Equifax reports XX/XX/year>, while XXXX and XXXX report XX/XX/year>. 
2. Inconsistent Account Status Each bureau describes the charge-off differently, with Equifax failing to provide complete and uniform details. 
3. Conflicting Account Type XXXX calls it a Credit Card, while Equifax and XXXX label it as a Revolving Account. 
4. Mismatched Status Update Dates Equifax shows a different update date than XXXX. 

Since these inconsistencies prove the information is inaccurate and unverifiable, you are demanding Equifax delete the account per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If they fail to comply, they could face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it promptly.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief