vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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 am writing to formally dispute inaccurate and unauthorized accounts and inquiries on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report on XXXX XXXX, XXXX, I discovered multiple inaccurate or fraudulent accounts and inquiries that I did not authorize. 

The following accounts and inquiries must be removed immediately as they violate my federally protected consumer rights to privacy and accuracy under 15 U.S.C. 1681 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ADDRESS : XXXX XXXX FL XXXX - XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX FL XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX - EMPLOYERS : XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : - 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  According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in credit reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected promptly. Furthermore, under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or should know to be inaccurate.

I request an immediate reinvestigation into these matters. If you find that the disputed items can not be verified, they must be removed from my credit report as required by law. 

Enclosures : - A copy of my credit report with the disputed items highlighted - A copy of my government-issued ID and proof of address - Any supporting documentation to validate my dispute Please confirm in writing that these items have been removed or corrected. If you do not resolve this matter within 30 days I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this serious 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized accounts and inquiries on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report on XXXX XXXX, XXXX, I discovered multiple inaccurate or fraudulent accounts and inquiries that I did not authorize. 

The following accounts and inquiries must be removed immediately as they violate my federally protected consumer rights to privacy and accuracy under 15 U.S.C. 1681 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ADDRESS : XXXX XXXX FL XXXX - XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX FL XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX - EMPLOYERS : XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : - 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  According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in credit reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected promptly. Furthermore, under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or should know to be inaccurate.

I request an immediate reinvestigation into these matters. If you find that the disputed items can not be verified, they must be removed from my credit report as required by law. 

Enclosures : - A copy of my credit report with the disputed items highlighted - A copy of my government-issued ID and proof of address - Any supporting documentation to validate my dispute Please confirm in writing that these items have been removed or corrected. If you do not resolve this matter within 30 days I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this serious 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 2025-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my Experian credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed immediately, as I did not authorize them. 
The disputed inquiries are as follows : XXXX XXXX  XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not have any accounts with these companies, nor did I authorize them to conduct a hard inquiry on my credit report. These inquiries are negatively affecting my credit score, and as they are unauthorized, they should be removed immediately.

Please conduct a thorough investigation and provide me with a written response confirming the removal of these inquiries. If these inquiries can not be verified as authorized, they must be deleted per the FCRA regulations.

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 2025-03-23 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: NC

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 2025-03-23 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Woodlands Financial Services Inc
State: TX

Complaint narrative:
I asked for a payment modification or arrangement due to my financial circumstances with XXXX XXXX. I was advised via email and phone call that I would be able to pay partial amount owed. XXXX advised me over the phone to at least take care of the insurance and we could discuss a modification for the remainder. On or around XX/XX/XXXX, the car was repossessed from the work place. I had sent emails for a few days and called but no one responded back to me. I recently sent an email to ask for an update and received no information back from anyone. I checked my credit reports and the reports are showing different amounts owed. I have not received any information if the vehicle will be auctioned or if it has been auctioned. XXXX the contract signed, I was supposed to receive a letter with the balance. I have not received anything from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I have been paying in a IDR plan for years and now I am at the end of the program as of XX/XX/year>. My loan should be forgiven. The several news reports indicate this will not be granted due to the current administration, but I have been in this plan for years. Thats not right or fair for my forgiveness to not be granted. Also, the privacy policy for my loans has been violated due to FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
After recently reviewing my credit report I noticed a handful of fraudulent accounts. Please remove these account from my report they are affecting my ability to obtain credit.

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 2025-03-23 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$490000.00} UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX  XX/XX/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 2025-03-23 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes. In light of recent lawsuits from the CFPB regarding issues with the company. A transaction occurred in XX/XX/year> for the amount of {$600.00} and without any investigation, Zelle told me there was nothing that could be done. It was a continuous battle with the company. I took a list of a substantial amount of money at this time and feel its now time for them to be do something about since it was them who couldnt rectify the issue. Its unjust, and I just want to feel safe again when it comes to my money. Ive tried to find the statement from back then but it is now unavailable. Which is why I want to include myself in this matter because Im taking a loss all around from this one problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX payment history : XX/XX/XXXX late 60 day, XXXX XXXX late XXXX, XX/XX/XXXX late 60 dayXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Payment Status : Current payment history : XXXX, XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX payment history XXXX to XX/XX/XXXX late XXXX, XXXX and XXXX  days XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$450.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Payment Status : Current payment history : XXXX. to XX/XX/XXXX XXXX days XXXX XXXX XXXX Balance : {$0.00}

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 2025-03-23 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX has violated my rights. 
15 USC XXXX Section XXXX States I have the right to privacy. 
15 USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC XXXXB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. 

The following accounts have violated my rights : 15 U.S.C. XXXX states that I have the right to privacy. 
15 U.S.C. XXXXb ( Section XXXX ( a ) ( XXXX ) ) states that a consumer reporting agency can not furnish an account without my written instructions or authorization. 
15 U.S.C. XXXXc ( a ) ( XXXX ) states that no consumer reporting agency may include in any consumer report any adverse item of information, other than records of criminal convictions, that predates the report by more than XXXX years. 
15 U.S.C. XXXX ( a ) states that 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. 

Therefore, I am formally requesting that the accounts listed below be deleted from my credit report immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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