vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-15 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 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 explanation
Consumer complaint received 2025-04-15 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 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 2025-04-15 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, 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 2025-04-15 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: NY

Complaint narrative:
My credit report shows inquiries from companies that accessed my information without my authorization, directly damaging my credit and lowering my score. I previously contacted TransUnion and was assured by a representative that these inquiries would be removed, yet they still remain. These unauthorized and potentially fraudulent actions raise serious concerns about identity theft and have caused me significant XXXX XXXX XXXX. This issue demands immediate attentionthese inquiries must be thoroughly investigated and permanently removed without further delay.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I have tried contacting this company several times about the deletion of this late payment. The account with Feb-Retail is now closed with great payment history. In XX/XX/ 2023 I was in the XXXX XXXX XXXX XXXX XXXX XXXX  and missed the date of the payment. I have also contacted XXXX  in regards to this late payment because it is only reporting on their bureau and was assured it would be removed but as of date has not. According to 15 USC 1681a ( 2 ) ( i ) reporting information solely as to a transaction or experiences between the consumer and the person making the report are to be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-15 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, 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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
There have been multiple transactions on my account to where I contacted support and nothing was done about it they just said it was an authorized charge when it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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, 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 2025-04-15 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 initially believed the economy was my greatest concern, but after reviewing my credit report, it's clear that the inaccurate and misleading information listed there poses an even greater threat to my well-being. These errors are causing me significant emotional distress and financial setbacks. As a consumer, I have the right to an accurate credit report, and it is unacceptable that I am being penalized due to false data. The ongoing damage to my credit score is not only unjust but is also affecting my ability to access essential services and opportunities. I demand immediate correction of these inaccuracies and a full investigation into how they were allowed to persist.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that Equifax immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within XXXX ( XXXX ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : A credit card account opened at XXXX on XX/XX/2022 under the account number ( private ). 

These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by Equifax, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my Equifax credit report. 
A copy of my consumer credit report from Equifax, clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the XXXX credit card. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA XXXX, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within XXXX ( XXXX ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that Equifax immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within four ( XXXX ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : Another auto loan account opened at XXXX XXXX on XX/XX/year> under the account number ( private ). 


These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by Equifax, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my Equifax credit report. 
A copy of my consumer credit report from Equifax, clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the XXXX XXXX XXXX loan. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA 605B, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within four ( XXXX ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX  # XXXX 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 any 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 no
t furnish any information relating to a consumer to any consumer reporting agency of 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 non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX  # XXXX 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 any 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 no
t furnish any information relating to a consumer to any consumer reporting agency of 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 2025-04-15 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:
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 explanation
Consumer complaint received 2025-04-15 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: Westlake Services, LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, WI XXXX RE : Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Court Location : XXXX XXXX XXXX Amount Claimed : {$2800.00} To Whom It May Concern : I am writing to formally dispute the validity of the debt listed above. This debt is not mine, and I was never provided with any documentation or proof that this alleged debt belongs to me. 

Furthermore, I was not aware of the judgment until recently and was never given the opportunity to appear in court to present a defense. I am currently unemployed and receiving unemployment benefits, and I have no ability to pay a debt that is not mine. 

Please cease all collection efforts immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt, including : The name of the original creditor A complete breakdown of the amount claimed Documentation showing that this account belongs to me A copy of the original signed agreement, if one exists If you are unable to provide this documentation, I request that you close this matter and notify the court.

This letter is not an admission of liability, and I reserve all rights under state and federal law. I am also filing a Motion to Open Judgment with the XXXX XXXX XXXX to formally challenge the entry of judgment.

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 2025-04-15 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 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
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
Summary of the Complaint : I am filing this complaint against Equifax for its continued reporting of materially inaccurate and technically non-compliant information regarding the XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on the credit file of XXXX XXXX XXXX XXXX XXXX The information in question violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), contains XXXX XXXX standard errors, and demonstrates negligence in data accuracy and verification. 
Violations and Errors Identified on Equifax Credit Report : XXXX XXXX Compliance Errors ( Equifax Report ) : XXXX. Last Payment Date vs. Date of Activity : The last payment is reported as XX/XX/year>, but the activity date is XX/XX/year>, creating suspicion of DOFD ( Date of First Delinquency ) manipulation. 
Relevant Laws : FCRA XXXX ( c ) ; XXXX XXXX XXXX XXXX XXXX. Outstanding Balance on a Closed Account : The account is marked closed as of XX/XX/year>, yet it reports an active balance of {$4100.00}, which is technically incorrect under XXXX XXXX standards. 
Relevant Fields : XXXX XXXX Field XXXX ( Current Balance ) & XXXX ( Account Status ) XXXX. Account Type Discrepancy : Equifax categorizes the account as Sales Financing, whereas other XXXX list it as Bank Credit Card, introducing data inconsistency across bureaus. 
Relevant Law : FCRA 607 ( b ) ; XXXX XXXX Field 11 4. No Reported Payment History : Equifax omits any monthly payment pattern, which fails to meet the maximum possible accuracy standard. 
Relevant Law : FCRA 607 ( b ) Federal Law Violations Committed by Equifax : FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681i Failure to reasonably reinvestigate disputed information.

FCRA 611 ( 5 ) Obligation to delete unverifiable, inaccurate, or incomplete information.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

FCRA 623 ( b ) Failure to modify or delete inaccurate data after dispute.

FCRA 605 ( a ) ( 4 ) Unlawful reporting of delinquent accounts past the allowable 7-year DOFD period.

FCRA 609 ( a ) ( 1 ) / 15 U.S.C. 1681g Failure to provide full file disclosure upon request. 
GLBA ( 15 U.S.C. 6801 ( b ) ) Inadequate protection of financial information.

UDAAP ( 12 U.S.C. 5531 ) Use of unfair or abusive practices, such as inaccurate reporting and misleading classifications.

Company response to consumer: Closed with explanation