vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my TransUnion credit report, I found multiple fraudulent accounts and unauthorized inquiries that I did not open or approve. These accounts have negatively impacted my credit score. I have attached my FTC Identity Theft Report ( Case # XXXX ) as supporting documentation. 
Fraudulent Accounts on TransUnion : XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX ( Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX ( Opened : XX/XX/XXXX ) Unauthorized Hard Inquiries on TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allege debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX balance {$690.00}.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent charge that has appeared on my credit reports with TransUnion, Equifax, and XXXX. Upon reviewing my credit reports dated [ Date of Credit Report ], I noticed that XXXX XXXX has reported a charge of {$500.00} on XX/XX/year>. I did not authorize this transaction, nor have I conducted any business with XXXX Mattress.According to the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent entry be investigated and removed from all three of my credit reports immediately. I have attached copies of my identification, a copy of my credit reports highlighting the disputed entry, and any relevant documentation supporting my claim.I kindly request a written confirmation that this matter is being investigated and that the fraudulent charge will be corrected or removed. Please provide me with a response within 30 days, as required by law.If you require any additional information from me to resolve this matter, please do not hesitate to contact me at the information provided above. Thank you for your prompt attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXXXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was using Citizens. ( I've transferred most of my money out since ). When I saw how easily bad people could change my balance on the computer, the bank and I agreed we would stop banking by computer. In the XXXX  of XXXX, other bad people got hold of XXXX of my checks and wrote a few obviously phony ones to their cohorts. XXXX got through, for {$XXXX} XX/XX/year>. While I could sense something was going wrong, I had to wait for my monthly statement in the mail to see what happened. I complained but the bank said it was too late. But how could I have earlier with no record of what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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. I have requested proof that this information was mailed or delivered XXXX  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!

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 2025-03-06 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a " XXXXXXXX XXXX XXXX XXXX XXXX '' card on my credit report that is NOT mine and I have no knowledge of where it came from. I disputed it both through XXXX and TransUnion and neither were able to get it off my report. This is now severely affecting my XXXX XXXX and need it 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report XXXX XXXX XXXX Account XXXX Dear XXXX XXXX Department, I am writing to formally dispute inaccurate and misleading information reported on my credit file regarding an account with Midland Credit Management ( Account Number : XXXX ). 

Specific Inaccuracies Identified : XXXX. Incorrect Payment Status and Due Date : The account is listed as a collection account with a balance of {$XXXX} past due as of XX/XX/XXXX. 

This is incorrect because we are currently in XXXX, and it is impossible for the account to reflect a past-due balance in a future year. 

This suggests inaccurate data reporting, which should be corrected immediately. 

2. Discrepancy in Account Status and History : My credit report states the account was opened in XX/XX/XXXX, yet the payment history reflects late payments dating back earlier than when the account should have been active. 

This is inconsistent and raises concerns about how this account is being reported. 

XXXX. Account Disputed But Still Displaying Errors : My credit file already notes that the account information has been disputed by me, yet the inaccurate data remains unchanged. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that disputed information must be investigated and corrected. 

Requested Actions : Immediately correct the inaccurate due date issue ( XX/XX/XXXX past due ). 

Investigate and verify the legitimacy of the payment history timeline, ensuring no false late payments exist. 

Remove or update any incorrect notations regarding past-due balances that do not align with the accounts actual status. 

Provide a formal written response confirming these corrections or detailing the sources used to verify the reported data. 

I have attached supporting documentation related to this dispute. As per the Fair Credit Reporting Act ( FCRA ), I expect this matter to be investigated and resolved within 30 days. 

Please update my credit report accordingly and provide me with written confirmation once the necessary corrections have been made. If the disputed information is verified as accurate, I request a detailed explanation along with documentation supporting the findings. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me updated on the status. If you require further information, you may contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am writing to formally dispute the negligent non-compliance regarding multiple accounts reported on my credit report. Over the last month, my credit score has been negatively impacted, resulting in a reduction of XXXX points, which I believe is due to errors and non-compliance in the reporting of multiple accounts. 

These accounts, which I do not have specific numbers for, appear to have been inaccurately reported or mishandled, leading to discrepancies that have unfairly lowered my score. It is my understanding that these issues XXXX stem from a failure to adhere to proper credit reporting standards or due to an oversight on your part. 

Given the significant impact this has had on my credit score, I request that a thorough investigation be conducted to review these accounts for any inaccuracies. I believe that the reduction in my credit score is a direct result of these errors, and I respectfully ask that any mistakes be corrected and that my score be adjusted accordingly. 

Although I do not have the specific account details, I am confident that a review of my credit file will reveal the issues in question. Please let me know if further information is required on my end. 

I have attached any relevant documentation, such as recent credit statements and other supporting documents, to assist with this investigation. I kindly request that you complete your review in a timely manner and provide me with the results of your findings, including any actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution and correction of these discrepancies.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After viewing my credit report, I noticed that my student loans account was reported delinquent as of XX/XX/year>. I did not receive notice that my payments were coming out of deferment.

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 2025-03-06 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: PA

Complaint narrative:
After viewing my credit report, I noticed that my student loans account was reported delinquent as of XX/XX/year>. I did not receive notice that my payments were coming out of deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
After viewing my credit report, I noticed that my student loans account was reported delinquent as of XX/XX/year>. I did not receive notice that my payments were coming out of deferment.

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