vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from My Credit Profile Dear Sir/Madam , I am writing to formally dispute certain inaccurate or potentially fraudulent information appearing on my credit report, which I believe violates my rights under several federal statutes, including 15 USC 6802 ( Gramm-Leach-Bliley Act ), 15 USC 1681b ( Fair Credit Reporting Act ), and 18 USC 1028A ( Identity Theft and Fraud ). I am requesting the immediate investigation and removal of such information from my credit profile. 

The entries I am disputing include, but are not limited to, the following accounts : Account # XXXX : Creditor Name : XXXX XXXXXXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXXXXXX Account # XXXX : Creditor Name XXXX XXXX Account # XXXX : Creditor Name : XXXX  Account # XXXX : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX Inquiry # XXXX : XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX As provided by 15 USC 6802 ( The Gramm-Leach-Bliley Act ), I am entitled to request that my personal financial information is maintained and reported accurately. This includes ensuring that any errors or unauthorized entries are promptly corrected.

Further, under 15 USC 1681b ( The Fair Credit Reporting Act ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or outdated. I request that you verify the accuracy of these entries and provide proof of their legitimacy. If the information can not be verified, I request that it be immediately removed from my credit profile.

Additionally, 18 USC 1028A criminalizes identity theft and fraudulent activities. Should any of the entries above be a result of fraudulent actions or identity theft, I expect these entries to be corrected and removed from my credit report as mandated by law.

Please conduct a thorough investigation into these discrepancies and, upon confirmation of any inaccuracies or fraud, remove these items from my credit report. I respectfully request a written response to confirm the outcome of your investigation and the steps you have taken to resolve this matter. 

If any further information is required to facilitate your investigation, feel free to contact me XXXX via email XXXX. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-03-17 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:
Subject : Request for Removal of Inaccurate Information from My Credit Profile Dear Sir/Madam , I am writing to formally dispute certain inaccurate or potentially fraudulent information appearing on my credit report, which I believe violates my rights under several federal statutes, including 15 USC 6802 ( Gramm-Leach-Bliley Act ), 15 USC 1681b ( Fair Credit Reporting Act ), and 18 USC 1028A ( Identity Theft and Fraud ). I am requesting the immediate investigation and removal of such information from my credit profile. 

The entries I am disputing include, but are not limited to, the following accounts : Account # XXXX : Creditor Name : XXXX XXXXXXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXXXXXX Account # XXXX : Creditor Name XXXX XXXX Account # XXXX : Creditor Name : XXXX  Account # XXXX : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX Inquiry # XXXX : XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX As provided by 15 USC 6802 ( The Gramm-Leach-Bliley Act ), I am entitled to request that my personal financial information is maintained and reported accurately. This includes ensuring that any errors or unauthorized entries are promptly corrected.

Further, under 15 USC 1681b ( The Fair Credit Reporting Act ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or outdated. I request that you verify the accuracy of these entries and provide proof of their legitimacy. If the information can not be verified, I request that it be immediately removed from my credit profile.

Additionally, 18 USC 1028A criminalizes identity theft and fraudulent activities. Should any of the entries above be a result of fraudulent actions or identity theft, I expect these entries to be corrected and removed from my credit report as mandated by law.

Please conduct a thorough investigation into these discrepancies and, upon confirmation of any inaccuracies or fraud, remove these items from my credit report. I respectfully request a written response to confirm the outcome of your investigation and the steps you have taken to resolve this matter. 

If any further information is required to facilitate your investigation, feel free to contact me XXXX via email XXXX. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was in the bank today with my son XXXX XXXX and we both was trying to open a account up for saving and checking account but I never have a account with yall in the past or before but he did But I was denied a account with yall for no reason my ssn is XXXX and I need yall to find out why I was denied and unblock the issue or remove the issue and grant me permission or allow me to open the account up in branch or open it up over the phone call with me for checking and saving and give me both accounts numbers for saving and checking and router number for saving and checking and provide me a bonus code to the checking and saving or just checking account for new consumer and my son ssn is XXXX do the same for him or allow him to be added under my account because I received his ssi payments and same as me even I wasnt his payee or is his payee or allow him to open a new account etc please read both attachments below etc or allow him to use his other legal name is XXXX XXXX and my name is 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 2025-03-17 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

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 2025-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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 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 2025-03-17 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 ( 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 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
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: Block, Inc.
State: NY

Complaint narrative:
There were multiple times my card was charged days later for transactions already made.There were times there were unauthorized purchases I called to complain or ask and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX RELIABLE CREDIT ASSC I XXXX, WA XXXX Debt Validation Request Dear reliable credit ASSC I, I am writing to request validation of the debt referenced in your correspondence dated XXXX XXXX regarding account number XXXX do not acknowledge this debt and am requesting detailed information as permitted under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. Proof that I owe this debt, including the original creditors name and the amount owed.

2. A detailed account history, showing all payments made and the outstanding balance.

3. A copy of the signed agreement or contract that proves I agreed to the debt. 
XXXX. Proof that your agency has the legal right to collect this debt, such as documentation of assignment or purchase of the debt. 

Per the FDCPA, I request that you cease all communication regarding this debt until you provide proper validation. If you can not validate this debt, I request that you remove it from my credit report and cease collection efforts. 

Please respond to this request in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have a TRIAL PAYMENT due XX/XX/year> and I can not afford this grossly inflated payment. 

The payment is extremely high and does not reflect proper relief. 

This Modification is for the VASP Program. This modification extends the loan to 480 months at 2.5 % interest. 

A supervisor named XXXX informed me of the following. 

{$300000.00} Principal Amount {$43000.00} Delinquent Payments $ XXXX County Taxes Owed {$600.00}. Inspection Fees {$18000.00} Interest owed Total : {$380000.00} + {$9600.00} ( interest ) = {$390000.00} 480 months = {$820.00} is what I have calculated I have talked to two supervisors XXXX & XXXX both of them insist that the TRIAL PAYMENT of {$1300.00} is accurate. 

I have a history of homelessness and this process has negatively impacted my XXXX. I ask that you intervene on my behalf and correct this unfair enrichment. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX ct XXXX ga XXXX I am writing to request an investigation of the following information that appears on my Early Warning systems report I have never opened or use the following account numbers XXXXXXXX XXXX routing number XXXX the account number XXXX. Total amount due XXXX Open date XXXX XXXX Bank routing number XXXX account number XXXX Opening date, XX/XX/XXXX XXXX bank routing number XXXX the account number XXXX Opening date XX/XX/XXXX XXXX & XXXX bank Routing number XXXX Account number XXXX Opening XXXX Amount XXXX I dont recognize the follow account in question. I am a victim of identity theft and I would dont recognize any of these accounts on my report. Im asking that the following information be deleted from my Early Warning consumer report immediately. 
Consumer id # XXXX for early warning consumer data Thanks In advance XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 2025-03-17 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-17 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX XXXX opened : XX/XX/year> Account name : XXXXXXXX XXXX XXXX  Date opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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