vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-03-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I have been telling my mortgage company I wanted to be reviwed for modification/home retention options since XXXX. They kept asking me for the same documents over and over again until they assessed a sale date. They denied me last week, a few days before the sale date of XX/XX/year> and said there is nothing that can be done. 

I have done everything I was supposed to do when they asked me. They kept asking for the same papers over and over again so they could delay and foreclose on me. It's really not fair that I am sitting here able to afford my payment moving forward, but they won't give me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus selling my clients credit information when I pull their credit without permission. Angry clients call me as soon as I pull a formal mortgage credit report when helping them apply for a mortgage. Other companies blow up my clients phone with nuisance calls, blocking their business without authorization. Credit bureaus selling my clients contact information without my client 's permission abuses my clients rights to conduct their financial transactions privately. And impedes my business. To obtain any financial information on a client I must get their permission in writing. Credit bureaus draft off of my legitimate, permitted business to make a buck. It's unacceptable and should be blocked.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Formal Dispute of Charge-Off Violation of 15 U.S.C. 1681s-2 ( b ) I am writing to formally dispute the reporting of a charge-off on my XXXX XXXX XXXX XXXX account Number XXXX XXXX. This charge-off is inaccurately reported and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). 

Under this provision, a furnisher of information is required to conduct a proper investigation once a dispute is filed with a consumer reporting agency. I am requesting that Experian initiate a reinvestigation into this matter and verify the accuracy, completeness, and legitimacy of the reported charge-off. 

Additionally, I am requesting : 1.Proof of the validity of this charge-off, including documented evidence from XXXX XXXX XXXX XXXX that substantiates the amount, terms, and charge-off status. 

2.Evidence of compliance with all relevant laws regarding how this charge-off was reported to Experian.

3.Deletion or correction of this inaccurate entry if the furnisher is unable to verify its accuracy. 
This dispute is made in good faith, and I expect Experian to fulfill its legal obligations under the FCRA. If the information can not be verified as 100 % accurate and complete, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX 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 XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX CC : XXXX, XXXX, and XXXX Re : Dispute of Inaccurate Credit Reporting - Account # XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of information that XXXX XXXX has reported to the credit reporting agencies regarding an alleged debt. This letter serves as my formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 
FACTS : XXXX XXXX is currently reporting on my credit report that I have an outstanding debt with your company. 


When I contacted XXXX XXXX directly about this matter, I was informed that this alleged debt had been placed with XXXX XXXX XXXX for collections. 


I have contacted XXXX XXXX XXXX multiple times regarding this alleged debt. They have consistently confirmed that they have NO record of any debt associated with my name or personal information. They can not locate any account for me in their system. 


This creates a direct contradiction : XXXX claims the debt exists and has been sent to XXXX XXXX XXXX, while XXXX XXXX XXXX has no record of such debt. 


DEMAND FOR IMMEDIATE ACTION : This situation constitutes false and inaccurate credit reporting which violates the Fair Credit Reporting Act. The reporting of a non-existent debt is fraudulent activity that is causing harm to my credit standing and financial reputation. 
Therefore, I DEMAND that XXXX XXXX immediately : Cease all reporting of this fraudulent debt to all credit reporting agencies. 


Remove all negative information related to this allegedly transferred debt from my credit report with ALL credit bureaus. 


Provide written confirmation within 30 days that this fraudulent reporting has been removed from my credit reports. 


Send written confirmation of these actions to my address : see attach, as well as email the confirmation of deletion to see attach. 


Please be advised that under the Fair Credit Reporting Act, you are required to investigate this dispute and correct any inaccurate information. Failure to comply with this request may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Delaware Attorney General 's office. 
I expect a written and emailed response addressing these issues within 30 days of your receipt of this letter. 
Sincerely, Enclosures : Copy of credit report showing the disputed item cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/2025 I sent letters to companies listed within my credit report asking for simple information to be provided to me so that I can properly review the errors reporting within my credit report and they have failed to respond. I am now sending a second notice and would like this to be filed for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill bits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC XXXXg, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HANCOCK WHITNEY BANK
State: GA

Complaint narrative:
I called and he confirmed this was paid back in XXXX but its still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX CC : Equifax, XXXX, and XXXX Re : Dispute of Inaccurate Credit Reporting - Account XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of information that XXXX XXXX has reported to the credit reporting agencies regarding an alleged debt. This letter serves as my formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 
FACTS : XXXX XXXX is currently reporting on my credit report that I have an outstanding debt with your company. 


When I contacted XXXX XXXX directly about this matter, I was informed that this alleged debt had been placed with XXXX XXXX XXXX for collections. 


I have contacted XXXX XXXX XXXX multiple times regarding this alleged debt. They have consistently confirmed that they have NO record of any debt associated with my name or personal information. They can not locate any account for me in their system. 


This creates a direct contradiction : XXXX claims the debt exists and has been sent to XXXX XXXX XXXX, while XXXX XXXX XXXX has no record of such debt. 


DEMAND FOR IMMEDIATE ACTION : This situation constitutes false and inaccurate credit reporting which violates the Fair Credit Reporting Act. The reporting of a non-existent debt is fraudulent activity that is causing harm to my credit standing and financial reputation. 
Therefore, I DEMAND that XXXX XXXX immediately : Cease all reporting of this fraudulent debt to all credit reporting agencies. 


Remove all negative information related to this allegedly transferred debt from my credit report with ALL credit bureaus. 


Provide written confirmation within 30 days that this fraudulent reporting has been removed from my credit reports. 


Send written confirmation of these actions to my address : see attach, as well as email the confirmation of deletion to see attach. 


Please be advised that under the Fair Credit Reporting Act, you are required to investigate this dispute and correct any inaccurate information. Failure to comply with this request may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Delaware Attorney General 's office. 
I expect a written and emailed response addressing these issues within 30 days of your receipt of this letter. 
Sincerely, Enclosures : Copy of credit report showing the disputed item cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation