vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: VT

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-03-27 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX, XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} 3. XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 4. XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} 5. XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 6. XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} 7. XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} 8. XXXX XXXXXXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} 9. XXXX XXXXXXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$7700.00} 10. XXXX XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$7200.00} 11. XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} 12. XXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} 13. XXXXXXXX Account No : XXXX Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. I kindly ask that you investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-03-27 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:
XXXXXXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX  XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-27 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: MS

Complaint narrative:
I am writing to formally dispute the XXXX XXXX XXXX account being reported in collections on my credit report. This account was created without my knowledge or consent, and I have taken steps to address the matter with the collection agency involved as well as the original creditor XXXX XXXX XXXX. 

On XX/XX/scrub> 2025, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX. During our conversation, she informed me that the account in question had been recalled by XXXX & XXXX and was no longer in their possession. She further explained that XXXX XXXX XXXX reports active accounts to the credit agencies on a weekly basis. When I inquired whether they would still report an account they no longer owned, she confirmed that they would, stating that once an account is reported, it is not deleted unless paid in full. 

Additionally, a validation of debt request was mailed out on XX/XX/scrub> 2025, and I have yet to receive any information regarding the status of the investigation. The lack of response to my request further reinforces the improper handling of this account. 

This raises a significant concern : If XXXX XXXX XXXX no longer owns the account, it should not be reported as being in collections by them. The continued reporting of this account by XXXX XXXX XXXX despite its recall by XXXX XXXX XXXX is inaccurate and misleading, which directly impacts my credit standing unfairly. 

Given this information, I am requesting the immediate removal of this fraudulent and improperly reported collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since this account is no longer within XXXX XXXX XXXX ' possession and was not authorized by me, it should be deleted 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 2025-03-27 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: KY

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 2025-03-27 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: FL

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Violation of rights and improper investigation # Accounts XXXX XXXX XXXX On XX/XX/scrub> 2005 I filed a complaint with the CFPB against XXXX for improper dispute and improper use of my credit report regarding late payments that are on my consumer report. The accounts listed above were asked to be investigated lawfully and properly and that Account statement from each account be provided showing the date that payment was made on the account proving that the payment was late. On XX/XX/XXXX I received notice that the investigation was done and that the said above account WOULD NOT BE CHANGED. No XXXX XXXX Account Statement, XXXX Account Statement, Discover Statements, proof of late payment or proof that a proper and truthfully investigation was done which by law is required. Once again my dispute was handled improperly and I would like Factually truth and proof of late payment not third party hear say. I would also like a detailed explanation of the methods used to investigate the said above account 's. CORRECT ALL LATE PAYMENT TO PAID ON TIME OR PAIDED AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

I demand they payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to paid never late. 

Thank for understanding

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 2025-03-27 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: KS

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 2025-03-27 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: KS

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax had my first name wrong as well as missing a ton of credit card and loan histories ( Both XXXX and XXXX 's credit reports are showing all of these info correctly ). 
I submitted dispute twice. One time to correct my first name which they did fix, but most of credit card and loan histories were missing in the Credit Report. So, submitted dispute again with ALL of the required documents and evidence that I was told to submit when speaking with Equifax representative over the phone. But, Equifax concluded that those credit card companies and banks are not reporting to them ( but, I did confirm with banks that they do report to Equifax ). I have called Equifax so many times, but they werent helpful. 

Dispute 1 : Confirmation # : XXXX - Submitted XX/XX/XXXX, Completed XX/XX/XXXX - Requested to fix my first name. Equifax did fix this info. 

Dispute 2 : Confirmation # : XXXX - Submitted XX/XX/XXXX, Completed XX/XX/XXXX - Requested to fix missing credit card and loan histories. Mailed in ALL of the relevant documents and proof based on the conversation with Equifax Rep over the phone. Request declined saying that it's the banks and credit card companies are not reporting ( But, I did confirm that they do report to Equifax. ) Call History ( called to XXXX Equifax Dispute ) - XX/XX/XXXX - XX/XX/XXXX ( called 4 times ) - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MA

Complaint narrative:
unlawfully reported inquiries stemming from identity theft on my consumer report without verifying them, as required by law. EQUIFAX have aided this Fraud by not verifying these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I'm writing to report an unauthorized and fraudulent inquiry on my credit report. After a recent review, I discovered an inquiry from a company I have no affiliation with. I have not applied for any credit with them, nor have I given consent for this inquiry to be made. This is deeply concerning as I value my financial privacy and take such matters very seriously. 
Unauthorized activity like this not only violates my rights as a consumer but also causes unnecessary XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I couldn't find the right option there but I chose the closest one. It is about communication way which Moss Law Firm choose. We tried to make a settlement with my attorney XXXX from XXXX XXXX XXXX with them. I was ready to pay my debt about 2 months ago and it was really hard to reach them to get any information. They just identify that the phone is mine and put a call on hold and never pick it up during 2 months. We couldn't complete a settlement and set up credit score changing. They just ignore all calls or hang up. Because of it I couldn't rent apartment. I paid my debt but I don't know if they accept it or no. And they have 2 stars rating reviews. They choose the same ignoring tactic with everybody. Ignoring me they just put me in situation when I just lost more money try to apply to apartments and was denied and in 2 weeks I could be homeless if my credit history is not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: UT

Complaint narrative:
I am writing to formally dispute the presence of two fraudulent accounts on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge or consent. Despite submitting the required documents, I have been informed that they were either not received or deemed invalid. I request immediate removal of these fraudulent accounts : 1 ) XXXX XXXXXXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

2 ) XXXX XXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

I have attached copies of the following documents for your review and verification. Please read and view all the documents attached : - A copy of my government-issued ID. 
- Proof of residence ( e.g., utility bill, bank statement ). 
- An FTC report. 
- A completed identity theft affidavit. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Since these accounts were fraudulently opened, I request that they be removed immediately to prevent further damage to my credit. 

Please investigate this matter promptly and confirm in writing that these accounts have been deleted from my credit file. If further information is required, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention 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 2025-03-27 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, 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2025-03-27 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, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-27 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: MN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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