vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for their continued refusal to allow me access to my own credit report after I filed a legitimate identity theft report. 

I submitted an identity theft claim and requested that over XXXX unauthorized hard inquiries be removed from my Experian credit file, XXXX  and XXXX  ( in total ). Since that time, Experian has failed to correct the inaccurate information and has now blocked my access entirely. When I attempt to access my report online, I receive a message stating : " Sorry, we can't show you today 's report. This might mean your lenders have different personal info for you than we do. '' This explanation is misleading and false. I have not changed any of my personal identifying information. Experian is deliberately using this as a way to avoid reinvestigating the fraudulent activity on my credit file. I believe this action is being taken in retaliation for my identity theft dispute and to hinder me from applying for new credit or protecting my financial interests. 

Furthermore, I have never authorized Experian to gather, sell, or share my personal or financial data. The continued reporting of unauthorized inquiries, and now the denial of my access to monitor or dispute those entries, violates the Fair Credit Reporting Act. I have also dispute XXXX XXXX XXXX put in any dispute, I NEVER did business with his company, the date is was open is XX/XX/year> over XXXX XXXX XXXX, why is it still on my credit and it also said that I reported this in XXXX  and that is not correct as well. I been fighting to get that off my credit too. I also send a letter to the XXXX  XXXX  several months ago they have not response, very disappointed ( FCRA ), including : FCRA 611 Right to dispute inaccurate or unverifiable information FCRA 609 ( a ) Right to request the sources and details of items on my report FCRA 604 Right to control who accesses my credit data XXXX  Identity Theft Protections Right to corrective action and credit file access after filing an ID theft report I respectfully request that the CFPB take immediate action to : Require Experian to reinstate my access to my full credit report and score Investigate Experians failure to remove the unauthorized hard inquiries Compel Experian to verify or delete all disputed entries in accordance with the FCRA Sanction Experian if they are found to be violating federal consumer protection laws Attached are copies of my identity theft report and correspondence history if needed. I appreciate your attention to this serious matter and request a written response. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I purchased a gift card for {$500.00} at a XXXX XXXX and its one of those secure spend prepaid XXXX cards. The trouble is I use the gift card and paid and add a XXXX XXXX thats fine. It worked. I spent {$35.00} or so and change and then next time I try to use my card it says if there was an issue and I try to look on the website and theres a error message and Im paraphrasing that the card is not available for the website is not working. Try again another time and I try again another time its still not working and I dont know the phone number and I see on XXXX that theyre a scam and I think this is a scam card. I would like to have my {$400.00} back or have the company contact me and send me a {$400.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ) Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c_2 ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a Credit Card opened with XXXXXXXX XXXX XXXX opened in XX/XX/XXXX under the account number ( XXXX ), an auto loan opened through XXXX opened XX/XX/XXXX under the account number ( XXXX ) with me and my spouse 's name he also will file that fraud as well, also a personal loan through Opploans opened in XX/XX/XXXX under the account number ( XXXX ), Credit Collection through XXXX XXXX the account number ( XXXX ) opened XX/XX/XXXX and XXXX XXXX XXXX with the account number ( XXXX ) that I am not sure when it was opened but I discovered it on my credit report XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : 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 2025-05-09 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: NJ

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 2025-05-09 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> a charge was done to my Amex account the transaction is the for XXXX the merchant received the item and claims the package was lost and recharger my account i summited all the information including pictures and message for Amex to honor my dispute on this transaction they canceled my account and now have and over seas rep call me everyday harrying saying hes a non attonery rep from Amex legal department over 10 calls a day this account was cancel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: UT

Complaint narrative:
I was contacted via text by a debt collection company called AmSher about a debt I supposedly owed to XXXX. In the text there was a link, which led to their website on which was a name that was not mine. And with it was a balance that was owed to XXXX. ( {$280.00} ) Not only was the name associated with that outstanding balance not mine, but the balance itself did not reflect my current balance of my XXXX account. ( {$0.00} ) I have not received any notification from XXXX about a balance that I currently owe. I have send a reply text to AmSher letting them know they have the wrong number but have yet to hear anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: GA

Complaint narrative:
I submitted a written debt validation request to MOHELA on XX/XX/year>, in response to their collection notice. Under the FDCPA, they are required to cease all collection activity until they provide proper validation of the debt. Despite this, MOHELA has continued to contact me with threats of delinquency and damage to my credit report.

They have failed to provide : Verification of the debt.

A copy of any signed promissory note or loan agreement. 

A breakdown of the amount owed or proof that they are authorized to collect. 

Their continued communication constitutes harassment and a direct violation of the Fair Debt Collection Practices Act. 

Requested Resolution : Cease all collection activities immediately. 

Provide full validation of the debt. 

Remove any negative credit reporting if done without proper verification. 

Investigate MOHELA 's debt collection practices for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
XX/XX/XXXX {$100.00} was transferred from XXXX to me by XXXX XXXX in the morning to pay her pet fee at the airport in XXXX area, and she willingly transferred the money to my bank XXXX credit union. Then after XXXX weeks she claimed is as a fraud against me and now my Zelle account is restricted and she claimed that I paid her back cash, which I didnt. I dont talk to her and she is a fraud, please help me here to bring my Zelle account back and she is a fraud and she need to be accountable for her actions and fraudulent behavior and her Zelle needs to be restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this complaint because Transunion is reporting a negative XXXX XXXX account on my credit report, showing a 30-day late payment reported on XX/XX/year>. I was only an authorized user, not the primary account holder. The account is closed with a {$0.00} balance, and the payment history shows 100 % on-time payments. 

Under the Fair Credit Reporting Act ( FCRA ) Section 603, authorized user accounts should not be reported in a way that negatively impacts a consumer who is not legally responsible for the debt. Additionally, per FCRA Section 611, I have the right to dispute inaccurate or incomplete information and receive a reasonable investigation by the credit bureau. Despite my previous dispute, XXXX failed to properly investigate or provide a detailed explanation of their verification process, violating this right. 

This account is inaccurately affecting my credit score and financial opportunities. I am requesting that XXXX immediately remove this account from my credit report, as I am not legally liable for it.

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 2025-05-09 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: AZ

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 2025-05-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-09 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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