vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX, XXXX, and XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX  / XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), Discover Bank ( opened XX/XX/XXXX ), and XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  / XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX, XXXX, and XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX ( opened XX/XX/XXXX ), Citi Cards / Citibank ( opened XX/XX/XXXX ), XXXX XXXX Card accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX  / XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX  ( opened XX/XX/XXXX ), and Macys/ CBNA ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  / XXXX ( XX/XX/XXXX ), CBNA ( XX/XX/XXXX ), THD / CBNA ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

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 2025-05-05 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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 2025-05-05 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Cease and Desist Notice & Dispute of Alleged Debt To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby demand that XXXX XXXX XXXX immediately cease and desist all forms of communication with me concerning any alleged debt. 
Be advised that reporting to any credit bureau ( XXXX, XXXX, XXXX, etc. ) constitutes a form of communication under 15 U.S.C. 1692a ( 2 ) and 1692c ( c ). Therefore, you are required to cease reporting or updating any tradelines related to this alleged debt as doing so would violate this cease and desist order. 
Furthermore, under 15 U.S.C. 1692g ( b ), if you claim this debt is valid, you must cease all collection activitiesincluding credit reportinguntil you have provided proper validation of the debt. To date, I have not received legally sufficient validation or verification of this account. 
If you have reported this debt to any credit reporting agency, you are also obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) to report it as disputed.

Failure to comply with this cease and desist request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general, as well as potential legal action for violations of federal law. 
This is your final notice. Cease all communication and collection efforts immediately. 
Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX XXXX XXXX - Balance : {$0.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-05 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: NJ

Complaint narrative:
I have disputed multiple times XXXX accounts with all bureau to investigate, only Experian took off the collections in error. The vehicle was a total loss and I included a declaration page and investigation page from insurance which stated it was paid off. Both bank and insurance were paid and this has not been corrected.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We had a repossession but we paid it back soon after and had the car after that. Can this please be removed from the report? Our car is currently totaled and is in need for another vehicle. The old one was no longer under repo.

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 2025-05-05 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear 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 2025-05-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: VA

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 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 2025-05-05 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-05 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent activity under my name involving the unauthorized opening of multiple vehicle-related installment accounts. These accounts do not belong to me and were not opened with my knowledge or consent. This appears to be a clear case of identity theft, and I demand that you investigate and take immediate action to remove and block these accounts from my credit profile. 

The following accounts appear to have been fraudulently opened and I kindly request that they be reviewed and addressed as soon as possible. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Auto Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX These accounts are causing me serious personal, emotional, and financial harm. I expect an immediate investigation, written confirmation of removal, and no further damage to my credit. 
I take this matter very seriously and will escalate legally if necessary.

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 2025-05-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent activity under my name involving the unauthorized opening of multiple vehicle-related installment accounts. These accounts do not belong to me and were not opened with my knowledge or consent. This appears to be a clear case of identity theft, and I demand that you investigate and take immediate action to remove and block these accounts from my credit profile. 

The following accounts appear to have been fraudulently opened and I kindly request that they be reviewed and addressed as soon as possible. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Auto Loan Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX These accounts are causing me serious personal, emotional, and financial harm. I expect an immediate investigation, written confirmation of removal, and no further damage to my credit. 
I take this matter very seriously and will escalate legally if necessary.

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

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to follow up once again regarding my formal dispute submitted previously, as I have yet to receive any written confirmation of an investigation or resolution. As mandated by the Fair Credit Reporting Act ( FCRA ), you were required to respond within 30 days, which has not occurred.

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 2025-05-05 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: PA

Complaint narrative:
I am writing to follow up once again regarding my formal dispute submitted previously, as I have yet to receive any written confirmation of an investigation or resolution. As mandated by the Fair Credit Reporting Act ( FCRA ), you were required to respond within 30 days, which has not occurred.

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 2025-05-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed a inaccuracy and unauthorized account/information reporting to my credit report. This remark have been detrimental to my life and credit health.

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