vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a threatening email from XXXX regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly EFT how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly EFT payments. Initially, I dismissed this as XXXX being behind and in allocating my payments to to my account since the recent transaction from XXXX. 

Despite formally disputing the balance and payment history XXXX reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On three separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a threatening email from XXXX regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly XXXX how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly XXXX payments. Initially, I dismissed this as XXXX being behind and in allocating my payments to to my account since the recent transaction from Navient. 

Despite formally disputing the balance and payment history XXXX reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On XXXX separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

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 2025-03-07 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 2025-03-07 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: FL

Complaint narrative:
Upon reviewing my credit file, I found the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX- Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX- Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/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 explanation
Consumer complaint received 2025-03-07 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-07 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-07 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICE I HAD FRAUDULENT ACCOUNT IN MY REPORT. PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These items are inaccurate for several reasons. Some accounts contain incorrect details that do not match my records, while others are entirely unfamiliar to me and should not be reported under my name. Additionally, some of these items lack proper verification, meaning they have been added to my report without substantial evidence of their legitimacy. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be 100 % accurate and verifiable. 

To resolve this matter fairly, I request that all inaccurate items be permanently removed from my credit report. If the reporting companies can not provide legitimate proof confirming the accuracy of these items, they must be deleted immediately to restore the integrity of my credit profile. I expect swift corrective action to ensure my report reflects only truthful and verifiable 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-07 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: TX

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 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a
) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced acc
ount will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a
) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced acc
ount will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Went out to purchase a car the dealer ran my credit to 10 different banks without my permission when I told them to run into three different banks so they didnt have proper authorization to run my credit to l 10 different banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of [ Name of Credit Reporting Agency ] may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with EQUIFAX through CERTIFIED MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AL

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