vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a formal written dispute to TransUnion regarding several inaccurate and/or incomplete accounts appearing on my credit report. My dispute, dated XX/XX/XXXX, included supporting documentation and requested a reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

TransUnion later responded that the accounts were verified or updated, but failed to provide any evidence or meaningful explanation for how these accounts were verified. I sent a follow-up letter requesting : A detailed description of the reinvestigation procedures The method of verification The name of the furnisher of the XXXX XXXX Bankruptcy data As of today, TransUnion has failed to respond. I believe they did not conduct a reasonable or lawful investigation, which violates the FCRA. Their actions mirror those in the CFPBs recent enforcement action : In Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the CFPB alleged that XXXX violated the FCRA by : Failing to conduct proper investigations of consumer disputes Re-inserting inaccurate information without notice Misleading consumers about dispute outcomes This type of conduct is not isolated and now appears to be a systemic failure in the credit reporting industry. TransUnions actions have caused me financial harm and emotional distress due to their refusal to remove clearly inaccurate items despite being properly notified.

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 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Ive reached out to the collection agency National Credit System and asked for a 1099C followed by documents with any agreements. The collection agency stated that they dont send out any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I sent Midland Credit Management debt validation and cease & desist letters for three alleged accounts. Under the FDCPA, they were required to validate before any further collection, including credit reporting. They did not validate, yet reported these to XXXX, violating the FDCPA. I request that all three accounts be removed from my XXXX  report and all collection efforts cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 do not know and no any connections on these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-06 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-06 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: NJ

Complaint narrative:
I am following up on my previous complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), and I am deeply disappointed that nothing has been resolved. Despite receiving written confirmation that the following accountsXXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) and XXXX XXXX XXXX ( Account # : XXXX ) were permanently deleted on XX/XX/year>2025, after a successful dispute, they have now been reinserted into my credit report. These accounts were initially reported in XX/XX/year>2025, and their reinsertion was done without my knowledge, without written notice, and without any supporting documentation from the furnishers. This conduct is not only careless but clearly unlawful under the FCRA. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian was required to notify me in writing within five business days of the reinsertion, which never happened. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), any reinserted item must be verified with new and certified information from the original furnisher, none of which has been provided. Additionally, under 15 U.S.C. 1681e ( b ), Experian is required to maintain the maximum possible accuracy of information on file, which they have clearly failed to do by reinstating accounts that were already proven to be inaccurate and removed. This is a blatant violation of my rights and a serious breach of federal law. Under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I have the right to seek actual damages, attorneys fees, and up to {$1000.00} in statutory damages per violation. I am demanding that the Consumer Financial Protection Bureau ( CFPB ) require Experian to delete these accounts from my file immediately, provide copies of all documentation they claim to have received regarding the reinsertion, and issue a corrected credit report. I also ask that the CFPB investigate Experians repeated violations and take appropriate enforcement actions. I am submitting this follow-up in good faith, but Experians continued disregard for the law and my rights as a consumer is unacceptable and must be addressed immediately.

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 2025-05-06 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I don't know where Ally Financial got {$160.00} from. My installment amt. was {$320.00}, I paid the loan off with the second payment ( XX/XX/XXXX ) after getting the payoff figure from Ally, and they sent me the title about 10 days later. 

When I received an email in XXXX of XXXX that there was allegedly a {$160.00} balance on my account, I called them and asked them to check to confirm that the title was released to me ( which it would not have been, had there been ANY balance due ) and then please correct their error. 

Ally did no such thing. Instead, they continued to report this " past due balance, '' which went from {$160.00} to {$170.00}, and then charged off because I refused to be extorted into paying money I didn't owe. At almost XXXX and XXXX, {$170.00} represents one month of groceries. 

I called, wrote, emailed and faxed Ally, filed multiple credit bureau disputes and contacted the XXXX  as well as CFPB. The XXXX  agreed that Ally 's response was insufficient, as they were unable to show where that {$160.00} came from. All I know is that it didn't come from my account. 

I don't understand why Ally just didn't zero out my account and report to the credit bureaus as " paid as agreed '' as soon as they saw that the title had been released. Now my credit limits are reduced, I look like a deadbeat when I am not, my credit score dropped by about XXXX points, down from XXXX, and none of this is right. I don't want to be turned down for a rental because of this, since I haven't rented in decades. 

May I ask for your assistance in straightening this out? Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-06 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: AL

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MA

Complaint narrative:
Pursuant to 18 USC 8, I Owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. company has No permission to report ANYTHING using my info pursuant to 15USC 1681 4 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$26000.00} XXXX  XXXX, XX/XX/year>, {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 XXXXXX/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 2025-05-06 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: GA

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 2025-05-06 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: GA

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 2025-05-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the transfer of my student loan account to XXXX. This loan was previously serviced by XXXX and, as per my records and the Total and Permanent XXXX ( XXXX  ) Discharge process, should have been fully discharged.

I was granted a discharge due to Total and Permanent XXXX and received confirmation that all eligible loans under XXXX servicing had been XXXX accordingly. I am deeply concerned that despite this, the loan has now been transferred to XXXX and is being reported as active. 

Please consider this letter a formal request to review and correct this matter. I am requesting that XXXX : Cease all collection or reporting activity on this account while the dispute is under review. 

Verify the discharge status of the loan with the XXXX Department of Education and/or the XXXX  Discharge Servicer ( currently XXXX ). 

Provide written confirmation of the loans discharge or a detailed explanation of why the account was transferred if it was believed to still be valid. 

Update all relevant records to reflect the proper status of the loan. 

Enclosed you will find copies of any documentation I have regarding my XXXX  discharge, including the approval letter and any communication from XXXX or XXXX. If further information or forms are needed from my end to assist in resolving this matter, please let me know promptly. 

I appreciate your attention to this matter and expect a resolution in accordance with federal regulations governing XXXX  discharges. 

Sincerely, XXXX XXXX Account Loan Number # XXXX Enclosures : Any supporting documentation Let me know if you'd like to personalize this further or add specific dates or documents.

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 2025-05-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the transfer of my student loan account to XXXX. This loan was previously serviced by XXXX and, as per my records and the Total and Permanent XXXX ( XXXX  ) Discharge process, should have been fully discharged. 

I was granted a discharge due to Total and Permanent XXXX and received confirmation that all eligible loans under XXXX servicing had been XXXX accordingly. I am deeply concerned that despite this, the loan has now been transferred to XXXX and is being reported as active. 

Please consider this letter a formal request to review and correct this matter. I am requesting that XXXX : Cease all collection or reporting activity on this account while the dispute is under review. 

Verify the discharge status of the loan with the U.S. Department of Education and/or the XXXX Discharge Servicer ( currently XXXX ). 

Provide written confirmation of the loans discharge or a detailed explanation of why the account was transferred if it was believed to still be valid. 

Update all relevant records to reflect the proper status of the loan. 

Enclosed you will find copies of any documentation I have regarding my XXXX  discharge, including the approval letter and any communication from XXXX or XXXX. If further information or forms are needed from my end to assist in resolving this matter, please let me know promptly. 

I appreciate your attention to this matter and expect a resolution in accordance with federal regulations governing XXXX  discharges. 

Sincerely, XXXX XXXX Account Loan Number # XXXX Enclosures : Any supporting documentation Let me know if you'd like to personalize this further or add specific dates or documents.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief