vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Charged off Inquiry in Dispute : XXXX XX/XX/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 2025-04-10 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
It shows that I have a couple of credit cards on my credit report i've never applied for these credit cards I don't normally check my credit report every single month or year cause I don't lose my credit like that I have requested and sent out a letter to each credit bureau and each creditor requesting documents to validate this debt and I have not received anything to show proof all I have received is an update from the credit bureaus saying that this debt is validated and is accurate as I believe this is false I know by the law of the credit bureau they are requests to validate this and to show me proof of validation and I have not received anything it's been over three months and I know they have only 30 days to validate this account or that account needs to be deleted and nothing has been done

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 2025-04-10 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: THRIVE MORTGAGE, LLC
State: TX

Complaint narrative:
I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 
Thrive Mortgage LLC via XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: 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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I have made several calls to XXXX XXXX regarding accounts ending in XXXX ( {$1800.00} ) and XXXX ( {$1300.00} ). I also paid these accounts through their respective purchasing agencies, First Source Advantage Debt Recovery and XXXX XXXX XXXX. The accounts were paid between XXXX XXXX XXXX. These debts are STILL showing on our credit reports. The debts are NOT from First Source or XXXX  -- they are showing from XXXX  XXXX, in voilation of the Fair Credit Reporting Act. These voilations have caused great personal hardship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is regarding my frustration and concern regarding the recent transfer of my federal student loan to XXXX and the lack of appropriate communication surrounding this change. 

To be clear, I received XXXX email from the Department of Education notifying me of the transfer. After that, I only became aware of emails from " XXXX ''. Given the frequency of spam and phishing attempts, this is not a reliable or appropriate method of communicating such a significant change. I received XXXX phone calls/voicemails, XXXX text messages, and XXXX mailed notices to my home address regarding the transfer of my student loan servicer. 

The first truly official notice I received came in the form of a credit report update, showing my account as delinquent and causing my credit score to drop by over XXXX points. As someone with a pristine payment history, this is completely unacceptable and incredibly damaging. 

It should go without saying that clear and proactive communication, especially regarding federal loan servicing, is a basic expectation. I am requesting immediate action to resolve this error and to correct the negative impact on my credit. Please confirm that this issue is being investigated and provide a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-04-10 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Charged off Inquiry in Dispute : XXXX XX/XX/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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of the account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off of {$44000.00} from XXXX XXXX ( Account Number : XXXX ) on my XXXX report. After a thorough investigation, XXXX has completely removed these unverifiable debts from my report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies are required to ensure that the information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after determining it to be unverifiable, I respectfully request that you take similar action and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has removed this account, I urge you to take similar action. 


FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that information suppliers report only complete and accurate information. As XXXX has deemed this information unverifiable, I strongly encourage you to align your records accordingly. 


Please confirm the removal of this account within 30 days of receiving this request. If the account is not removed, I will be prepared to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under the Fair Credit Reporting Act ( FCRA ), specifically Section 616 ( 15 U.S.C. 1681n ) for willful non-compliance and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts the integrity of my credit report. Please notify me in writing once the deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-04-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Multiple inquiries have been made to pull my credit to open accounts I did not authorize. Inquiries listed on all 3 credit bureaus are from companies such as : Syncb Lowe 's 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 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 2025-04-10 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: GA

Complaint narrative:
Data Breach at Equifax, TransUnion, and Experian credit bureaus XXXX. I did not authorize any transactions between XXXX. I did not authorize any new accounts. I did not authorize any applications for school loans. I did not authorize any car loans, title loans, or personal loans during the years of XXXX. Please remove all breached, incorrect unlawful, and negative data from all reports to credit bureau during said years. Sec 15 Code 1691 does not allow thos unlawful treatment of any of its consumers.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: TX

Complaint narrative:
I have a loan through BMG that was offered to my employer, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, tx for XXXX. The first payment was supposed to be deducted XXXX XXXX, 2024. But according to them they weren't able to take the first payment, although they've had no issue taking every other payment. This lead to daily interest payments of {$2.00}. I wasn't notified of this lapse in payment until it reached over {$100.00} in fees. When I asked why the delay, they said there was some kind of audit that happened and they weren't able to reach out until then due to there systems. I feel this is predatory and they declined me any assistance with the matter. If I'd been notified earlier I'd have taken care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: NV

Complaint narrative:
I moved out of my apartment on XX/XX/XXXX after the property management failed to fix the leaking roof in my apartment unit. I lived on the top floor of the apartment building and every time it rained, water seeped and dripped through the roof all over my floor and damaging at lease XXXX inches of the roof. Mold was also grown as a result of the water leak in my roof. Beginning in XX/XX/XXXX, I continuously, in writing, requested the property management to fix the leaking roof however the roof remained unfixed until the day I moved out. Per XXXX XXXX, the landlord must maintain a habitable dwelling unit. After the landlord receives notice of the uninhabitable condition they are to remedy the issue within XXXX days. If landlord fails to do so, the lease has been terminated. As mentioned above, I first notified property management and corporate in XX/XX/XXXX, and continued communications regarding the roof up until I left in XXXX of XXXX. I have all communications to the property management and corporate saved and prepared to send if needed. I also took a video of the empty apartment on the day I moved out that shows the condition of the roof. On the day I moved out I was also harassed by the property XXXX. She asked me what I was doing after she saw me unloading boxes and I informed her I was moving out due to the leaking roof in my apartment that had yet to be fixed. The property XXXX got visibly upset and said " You're gon na be billed for this. '' Also important to note, despite the lease being broken by the property management for not fixing the leaking roof and subsequent mold, my lease was up in XX/XX/XXXX regardless. I have been harassed and now my credit is being affected by this predatory company. I have disputed the collection account and Sentry collection has sent me a letter stating they are not currently collecting on the account as they are awaiting validation from the property management but, the debt remains on my credit report and is greatly, negatively affecting impacting my life and finances. Not only do I not owe this debt, the behavior of the property management and the collection agency is clearly predatory and harassing in nature which is why I am filing this complaint. 

It is also important to note for context that I lived in this complex for XXXX  years without any issues ever at all. I am a student and I had no desire to move but I was forced due to the uninhabitable condition of the leaking roof and mold, and the health conditions that come along with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: DE

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2025-04-10 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 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