vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute a false and damaging delinquency reported on my credit file by XXXX XXXX. This incorrect reporting has caused my credit score to plummet by XXXX points, an extreme and unjustified penalty that is severely impacting my financial standing. 

The Delinquency Report is 100 % Incorrect This negative report should never have been made, as my student loan is in deferred status until XXXX following my enrollment in school in XX/XX/XXXX. I have consistently maintained an excellent credit history and payment record, and this egregious mistake is tarnishing my financial reputation due to no fault of my own. 

Additionally, I never received any phone calls, letters, or other forms of communication from XXXX XXXX regarding a late or missed paymentbecause none ever existed. If there had been any issue with my account, I would have promptly addressed it. Instead, this erroneous report was made without any prior notice, which is completely unacceptable and raises serious concerns about the accuracy of the information being reported. 

Immediate Action Required Upon discovering this blatant error, I contacted XXXX XXXX on [ Date of Call ] and spoke with XXXX, who confirmed that my account is in good standing and on deferred payment status. She acknowledged that the delinquency was incorrectly reported and assured me that she was submitting a ticket to correct the mistake. However, she also advised me to dispute the matter directly with the credit bureaus to ensure a faster resolution. 

Given the severe and unjustified damage this has caused, I am demanding the following immediate actions : A full and expedited investigation into this inaccurate delinquency report. 
The immediate removal of this false delinquency from my credit report. 
A full restoration of my credit score to its rightful standing before this mistake occurred.

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus report only verified and accurate information. As this delinquency can not be verified because it is simply false, I expect a prompt resolution in accordance with FCRA guidelines.

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 2025-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute a false and damaging delinquency reported on my credit file by XXXX XXXX. This incorrect reporting has caused my credit score to plummet by XXXX points, an extreme and unjustified penalty that is severely impacting my financial standing. 

The Delinquency Report is 100 % Incorrect This negative report should never have been made, as my student loan is in deferred status until XXXX following my enrollment in school in XX/XX/XXXX. I have consistently maintained an excellent credit history and payment record, and this egregious mistake is tarnishing my financial reputation due to no fault of my own. 

Additionally, I never received any phone calls, letters, or other forms of communication from XXXX XXXX regarding a late or missed paymentbecause none ever existed. If there had been any issue with my account, I would have promptly addressed it. Instead, this erroneous report was made without any prior notice, which is completely unacceptable and raises serious concerns about the accuracy of the information being reported. 

Immediate Action Required Upon discovering this blatant error, I contacted XXXX XXXX on [ Date of Call ] and spoke with XXXX, who confirmed that my account is in good standing and on deferred payment status. She acknowledged that the delinquency was incorrectly reported and assured me that she was submitting a ticket to correct the mistake. However, she also advised me to dispute the matter directly with the credit bureaus to ensure a faster resolution. 

Given the severe and unjustified damage this has caused, I am demanding the following immediate actions : A full and expedited investigation into this inaccurate delinquency report. 
The immediate removal of this false delinquency from my credit report. 
A full restoration of my credit score to its rightful standing before this mistake occurred.

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus report only verified and accurate information. As this delinquency can not be verified because it is simply false, I expect a prompt resolution in accordance with FCRA guidelines.

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 2025-03-11 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: NJ

Complaint narrative:
I am writing to formally dispute a false and damaging delinquency reported on my credit file by XXXX XXXX. This incorrect reporting has caused my credit score to plummet by XXXX points, an extreme and unjustified penalty that is severely impacting my financial standing. 

The XXXX Report is 100 % Incorrect This negative report should never have been made, as my student loan is in deferred status until XXXX following my enrollment in school in XX/XX/XXXX. I have consistently maintained an excellent credit history and payment record, and this egregious mistake is tarnishing my financial reputation due to no fault of my own. 

Additionally, I never received any phone calls, letters, or other forms of communication from XXXX XXXX regarding a late or missed paymentbecause none ever existed. If there had been any issue with my account, I would have promptly addressed it. Instead, this erroneous report was made without any prior notice, which is completely unacceptable and raises serious concerns about the accuracy of the information being reported. 

Immediate Action Required Upon discovering this blatant error, I contacted XXXX XXXX on [ Date of Call ] and spoke with XXXX, who confirmed that my account is in good standing and on deferred payment status. She acknowledged that the delinquency was incorrectly reported and assured me that she was submitting a ticket to correct the mistake. However, she also advised me to dispute the matter directly with the credit bureaus to ensure a faster resolution. 

Given the severe and unjustified damage this has caused, I am demanding the following immediate actions : A full and expedited investigation into this inaccurate delinquency report. 
The immediate removal of this false delinquency from my credit report. 
A full restoration of my credit score to its rightful standing before this mistake occurred. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus report only verified and accurate information. As this delinquency can not be verified because it is simply false, I expect a prompt resolution in accordance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went online to open an account with US Bank. Their response was, we will review your application. I responded to their email and told them to cancel my request for an account.The next day, they took money from my account. They have not reversed it.I want my money back in my account immediately.I attempted to contact them by phone, they dont answer.I have attempted several times.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXXXXXX  Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-11 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: IL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
UNDER 15 U.S. Code 1681b ( a ) ( 2 ) on Experian it's posted as being repossessed and on XXXX, it's being reported as closed. Incorrect 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 2025-03-11 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:
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 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-11 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX  Account Number : XXXX  Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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, 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Tried to unfreeze my credit on XX/XX/year> with equifax ( specifically the myequifax portal ) and my account was locked out even though i had my password and login info. They offer no ways to remedy this other then to sit on hold for 4 hours. The website is broken and can't track state or give a reset option. Even when verifying all my information it's says locked out. 

Phone support was able to help but wait times are always hours. 

Then today i tried to log in again and it's locked out. Have to sit on hold. I know my account details but they don't offer a way around their manual phone center process. I don't feel comfortable giving my info out to a call center rep every time I need to unfreeze my credit. They are abusing their position as a credit bureau constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a citi bank line of credit for XXXX dollars. I ran into trouble with it. The problem is that I was charged over drafts, interest and late fees. They kept being the limit down. I'm disputing it because they got the limit down to XXXX but continued to charge me taxes, overdraft fees and and an installments or monthly payments that I didn't have. So XXXX and it ended up over XXXX. So it's on my credit report and I want all the extra charges taken off. They would also help themselves to my savings account. Without my permission. So they racked up over XXXX just in fees. That is my problem with this debt.

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 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer. An additional complaint was filed also with The Consumer Financial Protection Bureau to further disclose your business practices. 



Failure to comply will result in legal action taken against Amsher Collection Services for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Experian has failed to fulfill its 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 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 non-monetary relief
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX XXXXXX/XX/year>

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