vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
XX/XX/year> : contacted Sallie Mae about options and after going over the situation and my current finances they present me with XXXX options other than continuing to pay the same monthly payment I can not afford. 

Prior to this conversation I have had the same discussion with them previously with the same result. 

The company regularly calls and harasses my extended family including relatives I havent spoken to in decades.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : Failure to properly investigate my disputes ( 15 USC 1681i ), Illegal reinsertion of previously deleted collections without notice ( 15 USC 1681i ( a ) ( 5 ) ( B ) ), Failure to provide investigation results ( 15 USC 1681i ( a ) ( 6 ) ), Failure to ensure maximum possible accuracy ( 15 USC 1681e ( b ) ).

Specifically, Equifax failed to investigate and provide dispute results for accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . These accounts were previously deleted but were illegally reinserted without required certification and without providing me notice.

I request the CFPB to require Equifax to : Immediately and permanently delete these accounts, Provide full investigation results and verification documentation, Ensure compliance with the FCRA moving forward.

I reserve my rights under 15 USC 1681n and 1681o for damages due to their willful and negligent noncompliance.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : Failure to properly investigate my disputes ( 15 USC 1681i ), Illegal reinsertion of previously deleted collections without notice ( 15 USC 1681i ( a ) ( 5 ) ( B ) ), Failure to provide investigation results ( 15 USC 1681i ( a ) ( 6 ) ), Failure to ensure maximum possible accuracy ( 15 USC 1681e ( b ) ).

Specifically, Equifax failed to investigate and provide dispute results for accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . These accounts were previously deleted but were illegally reinserted without required certification and without providing me notice.

I request the CFPB to require Equifax to : Immediately and permanently delete these accounts, Provide full investigation results and verification documentation, Ensure compliance with the FCRA moving forward.

I reserve my rights under 15 USC 1681n and 1681o for damages due to their willful and negligent noncompliance.

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 2025-04-18 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 2025-04-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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
Consumer complaint received 2025-04-18 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
Hello I have been informed by the Credit Bureaus that there are hard inquires on my report credit. I have disputed them but they still report this inaccurate information. Below I will attach a letter that I wrote for Equifax. 


Equifax Information Services LLC. 

XX/XX/XXXX Re : Letter to remove inaccurate credit information : Report N/A To Whom it may concern : I received a copy of my credit report and found the following items to be inaccurate. 


Hard Inquiries to be Removed : Did not give permission In Violation of 15 USC 1681B Permissible Purpose ( 3 ) To a person which has a reason to believe- Intent to use information in connection with a credit transaction involving the consumer on whom the information is to be furnished involving the extension of credit to or review or collection XXXX the account of the consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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. 

By the provisions of the Fair Credit Reporting Agency, I demand that these items be investigated and removed from my credit report. By Law you must remove information that the creditors can not verify. Under the Sec. 609 of the ( FCRA ) creditors must provide an original contract/agreement with my original signature. I understand under 15 U.S.C 15. Sec. 1681i ( a ) Procedure in Case of Dispute Accuracy-you must complete this investigation within 30 days of receipt of this letter. Once the investigation is complete and inaccuracies are found, then 15 U.S.C 15. Sec. ( 5 ) A i ( Treatment of Inaccurate or Unverifiable of Information ) must be followed.

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 2025-04-18 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: MI

Complaint narrative:
Hello I have been informed by the Credit Bureaus that there are hard inquires on my report credit. I have disputed them but they still report this inaccurate information. Below I will attach a letter that I wrote for Equifax. 


Equifax Information Services LLC. 

XX/XX/XXXX Re : Letter to remove inaccurate credit information : Report N/A To Whom it may concern : I received a copy of my credit report and found the following items to be inaccurate. 


Hard Inquiries to be Removed : Did not give permission In Violation of 15 USC 1681B Permissible Purpose ( 3 ) To a person which has a reason to believe- Intent to use information in connection with a credit transaction involving the consumer on whom the information is to be furnished involving the extension of credit to or review or collection XXXX the account of the consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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. 

By the provisions of the Fair Credit Reporting Agency, I demand that these items be investigated and removed from my credit report. By Law you must remove information that the creditors can not verify. Under the Sec. 609 of the ( FCRA ) creditors must provide an original contract/agreement with my original signature. I understand under 15 U.S.C 15. Sec. 1681i ( a ) Procedure in Case of Dispute Accuracy-you must complete this investigation within 30 days of receipt of this letter. Once the investigation is complete and inaccuracies are found, then 15 U.S.C 15. Sec. ( 5 ) A i ( Treatment of Inaccurate or Unverifiable of Information ) must be followed.

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 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was made aware that a collection from National Credit System was added against me due to an unpaid balance at XXXX XXXX XXXX XXXXXXXX XXXX. When I spoke to XXXX XXXX XXXX XXXX XXXX XXXX told me there was no balance owed and provided both me and National Credit System with a ledger stating my balance was {$0.00}. This was back in XXXX and still no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
XXXX has inaccurately reported loan balance information and payment history on my credit bureau. 

XX/XX/XXXX I submitted a dispute after realizing it was negatively impacting my credit score. 

Then the lender XXXX that we are working with reached out as part of the underwriting process XX/XX/XXXX stating we should make payment. 

We have communicated the loan was not reporting at inception in XXXX. Previously, this loan was paid to XXXX and nearly paid off by my daughter. The remaining roughly {$100.00} was forgiven under the Biden Administration. Now the loan is open and reopened with the wrong amount for balance and amount due. 

We try to contact XXXX today and hung up after a 25 minute wait. Prior to that we called XXXX XXXX XXXX requested we send proof by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-18 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I was looking at my credit report and i saw 10 fraudulent inquiry '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 2025-04-18 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
Hello I have been informed by the Credit Bureaus that there are hard inquires on my report credit. I have disputed them but they still report this inaccurate information. Below I will attach a letter that I wrote for Equifax. 


Equifax Information Services LLC. 

XX/XX/XXXX Re : Letter to remove inaccurate credit information : Report N/A To Whom it may concern : I received a copy of my credit report and found the following items to be inaccurate. 


Hard Inquiries to be Removed : Did not give permission In Violation of 15 USC 1681B Permissible Purpose ( 3 ) To a person which has a reason to believe- Intent to use information in connection with a credit transaction involving the consumer on whom the information is to be furnished involving the extension of credit to or review or collection XXXX the account of the consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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. 

By the provisions of the Fair Credit Reporting Agency, I demand that these items be investigated and removed from my credit report. By Law you must remove information that the creditors can not verify. Under the Sec. 609 of the ( FCRA ) creditors must provide an original contract/agreement with my original signature. I understand under 15 U.S.C 15. Sec. 1681i ( a ) Procedure in Case of Dispute Accuracy-you must complete this investigation within 30 days of receipt of this letter. Once the investigation is complete and inaccuracies are found, then 15 U.S.C 15. Sec. ( 5 ) A i ( Treatment of Inaccurate or Unverifiable of Information ) must be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer : RENTAL HISTORY : EXPERIAN RENT BUREU XXXX XXXX XXXX XXXX XXXX. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you. 
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