vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Im reaching out because Ive noticed an inquiry on my credit report that was made by your company. I want to be clear that I never gave permission for my credit to be pulled, and I did not authorize this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address a serious issue that requires immediate attention. It has come to my attention that there has been unauthorized and fraudulent use of my identity. I did not authorize or have any knowledge of this activity, and I expect swift resolution to 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 2025-03-31 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: MO

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've reached out for Several months trying to get information on my credit report corrected!? XXXX reached out to All three credit Bureaus writing certified letters. Sending these Bureaus the only one the complied is XXXX!? TransUnion still reporting inaccuracies on my Outdated report no changes have been made. Equifax has breached my information I received a XXXX XXXX from them cause of that but they're still reporting inaccuracies. My report hasn't been updated, I have multiple names on both Bureaus report, multiple addresses and jobs that I didn't authorization to put that on here. Under 15UscI681 ( a ) 1- 30 day response 2. 15Usc1681I ( a ) 6 ( b ) 3- that's the Investigation protocol 3. 15Usc1681I ( a ) ( 5 ) B- reinsertion protocol 4. Usc1681 ( o ) - negligence non compliance XXXX 2024 is long enough for the Bureaus to comply. I've sent ID, letters with current address on it and they still report wrong informationXXXX XXXX was Closed/Charged off as a bad debt sold it to Conserve, under Usc1681 ( c ) now both creditor and Collection Agengy is reporting 15Usc1681q obtaining information under false pretenses. XXXX XXXX XXXX. I've Never had an account with this company # XXXX XXXX account under 15Usc1692 ( g ) I don't own this debt. XXXX XXXX closed/ Charged off.under 15Usc1681 ( c ) 2 I want it deleted. XXXX was a paid charged off I want it deleted. XXXXXXXX XXXX XXXXXXXX are the same but reporting like it's 2 two different companies this under 15Usc1692e false and misleading information I want both deleted.I want all addresses removed off my report except current address multiple names removed off my report too. XXXX XXXX Closed/Charged off under 15Usc1682 ( c ) 2 I want it deleted. These companies and Bureaus are still reporting please remove what I've stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Address of XXXX XXXX XXXX ] Subject : Cease and Desist Communication Regarding Debt Dear XXXX XXXX XXXX, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease and desist all communication with me regarding any alleged debts associated with your company or third-party entities, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You are hereby notified that : 1. All oral and written communication regarding these debts must stop immediately.

2. Any further contact will result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the XXXX Attorney General 's Office. Civil claims may also be pursued. 

Additionally, my employer prohibits contact at my workplace. You must refrain from all communications directed to my workplace in any form. 

If you believe these debts are valid, you are required to provide written confirmation to my address listed above within 30 days of receipt of this letter. Failure to comply will result in legal action without further notice. 

Thank you for your cooperation in this matter. 

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 non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Address of XXXX XXXX XXXX ] Subject : Cease and Desist Communication Regarding Debt Dear XXXX XXXX XXXX, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease and desist all communication with me regarding any alleged debts associated with your company or third-party entities, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You are hereby notified that : 1. All oral and written communication regarding these debts must stop immediately.

2. Any further contact will result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the XXXX Attorney General 's Office. Civil claims may also be pursued. 

Additionally, my employer prohibits contact at my workplace. You must refrain from all communications directed to my workplace in any form. 

If you believe these debts are valid, you are required to provide written confirmation to my address listed above within 30 days of receipt of this letter. Failure to comply will result in legal action without further notice. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

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 explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
This complaint is related to a previous CFPB complaint filed on XX/XX/year> ( Case # XXXX ), but it addresses new negative reporting that occurred after the dispute began. 

XXXX. XXXX XXXX ( Account XXXX ) On XX/XX/year>, Experian reported XXXX late payments, even though the account was already under dispute. This violates the FCRA Section XXXX, which prohibits furnishing inaccurate information during an investigation unless verified with documentation. 

XXXX. XXXX and XXXX XXXXXXXX Both accounts show " XXXX potentially negative months '' and Experian has not provided any proper documentation verifying this data. These accounts were previously disputed. 

I request the immediate removal of these items or that Experian provides documentation proving their accuracy, as required by 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 explanation
Consumer complaint received 2025-03-31 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 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: MD

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer repor
ting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian credit report includes the following XXXX accounts that were opened fraudulently : XXXX XXXX Opened XX/XX/XXXX Account ends in XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account ends in XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account ends in XXXX Additionally, there are XXXX hard inquiries that I never authorized : XXXXXXXX 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 XXXXXX/XX/XXXX These items are fraudulent and are the result of identity theft. I did not apply for credit with these companies.

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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I took out a " Rooms to Go '' account by Synchrony. I use Synchrony for few different credit lines but this one ended terribly. I have great credit score at XXXX. This week, with no warning at all, they closed my account due to inactivity. All other cards that I have will warn me if I haven't used them and that they may close them within 30 days. 
I am currently buying a house and was informed by my financier that I should not use my credit while the house is being purchased, so I refrained from purchasing the new couch from RTG. While this was happening, Synchrony closed my account and tanked my credit by XXXX POINTS! This severely damaged my house-buying progress. 
I called Synchrony to try to resolve the issue and they said there is " nothing we can do except open a new account '' - which is false, as I have had creditors do this before. When I asked the representative on XX/XX/year> if it was their policy to close accounts without notification, she checked and said that it IS their policy to NOT NOTIFY the owner of the account. I found out because XXXX XXXX  notified me- NOT SYNCHRONY. 
I want others to know that : If you care about your credit, or you are about to make a major financial move, DO NOT USE SYNCHRONY. They have Terrible business practices. 
This is the second time they have refused to work with me over minor issues that made a major impact on my credit history and I am done with them. I suggest you do the same.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I spoke with XXXX customer service today and my Tower Loan account hasn't reported/ updated since XX/XX/year> and I need for my on-time payments to be reported ASAP

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: UT

Complaint narrative:
XX/XX/year> Received a copy of a notice of judgement from Unifund CCR Partners. When I called several times I didn't get and call backs. On XX/XX/year> I sent a certified letter to the listed address and requested a copy of the last billing statement from the original creditor the ount that was due. The address the account was sent to and a copy of the contract that was signed. Didn't hear back and after XXXX months I received another notice of judgement lien threatening wage garnishment. The address they list On the lien I hadn't lived there for almost XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery formerly XXXX XXXX XXXX  has placed this account into collection status. Prior to it being placed into collections and being transferred to this company XXXX  XXXX agreed to a lowered settlement amount with my attorney office of which is in place and is being paid therefore the account should have never been placed into collections. On top of all three bureaus are not reporting it only XXXX are so it really should be removed in its entirety under the FCRA.

Company response to consumer: Closed with explanation