vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: GA

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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-03-14 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: CA

Complaint narrative:
Car loan Mature Date was XX/XX/XXXX. However it is being reported that there was a missed payment on XX/XX/XXXX. ExperianXXXX is inaccurately reporting this information. In XX/XX/XXXX there was no late payment. I am requesting this to be removed. I have also spoke to XXXX XXXX ( Bank ) and they also acknowledge there is NO late payment in 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 2025-03-14 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: CA

Complaint narrative:
Car loan Mature Date was XX/XX/XXXX. However it is being reported that there was a missed payment on XX/XX/XXXX. XXXX/Transunion/XXXX is inaccurately reporting this information. In XX/XX/XXXX there was no late payment. I am requesting this to be removed. I have also spoke to XXXX XXXX ( Bank ) and they also acknowledge there is NO late payment in 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 non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Car loan Mature Date was XX/XX/XXXX. However it is being reported that there was a missed payment on XX/XX/XXXX. XXXX/Equifax is inaccurately reporting this information. In XX/XX/XXXX there was no late payment. I am requesting this to be removed. I have also spoke to XXXX XXXX ( Bank ) and they also acknowledge there is NO late payment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.A XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent XXXX data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of ID Proof of Address

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 2025-03-14 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, my grandmother and I went to PNC to retrieve funds from a money market account that had both of our names on it, with me as the trustee. The account initially started with {$10000.00} and had matured over time. The last statement we found was from XXXX when the bank was known as National City Bank, and the account balance at that time was {$10000.00}. I also have the account number and a copy of the last statement from XXXX for reference. 

Since that statement, the bank has changed its name to PNC, but my grandmother has continued banking with them all this time, has lived at the same address, and has had no changes to her contact information. In XXXX, when my grandmother asked me to retrieve the funds she had been holding, we went to the bank to do so. However, the bank could not locate any record of the account and informed us that they would look into the matter. To date, we have not received any follow-up or contact from the bank regarding the situation. 

I have the account number and the last statement from XXXX and would like to retrieve the {$10000.00} from the last statement, plus any interest that has accrued over the past 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX XXXX has illegally accessed my information through the XXXX XXXX XXXX  and is using it for nefarious purposes to shut down federal agencies in a way that is illegal and inconsistent with federal and state law. 

He has no official status within the government and is illegally accessing information that even people in the department that he pretends to run would not legally be allowed to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
XXXX is attempting to collect an alleged debt related to XXXX, a company that filed for bankruptcy and abandoned my orthodontic treatment mid-course. As a patient, I was left without the completion of my care, and XXXX failed to meet its contractual obligations, including a lifetime guarantee and satisfaction guarantee. Since they ceased operations while I was still in treatment, they did not fulfill the terms of the agreement and left me without proper follow-up care. 

On XX/XX/year>, I formally disputed this debt via email and certified mail with return receipt, which XXXX received on XX/XX/year>. My dispute requested full validation of the debt, including a breakdown of charges, proof of the original agreement, and documentation showing that the debt was legally transferred before XXXX 's bankruptcy. To date, XXXX has not provided any response or validation. 

XXXX did not provide the services for which I was charged. A company can not legally collect payment for services not rendered. XXXX ceased operations before completing my treatment, breaching their contractual guarantees. Their bankruptcy prevents them from fulfilling their obligations, rendering the debt unenforceable. 

XXXX has not validated the debt as required. Despite my formal dispute, they have not provided any documentation proving I legally owe this amount, that XXXX properly assigned the debt before bankruptcy, or that XXXX has the legal authority to collect it. 

This debt XXXX be void due to XXXX 's bankruptcy. If the debt was not lawfully transferred before XXXX ceased operations, it can not be enforced. XXXX has failed to provide any proof that this debt remains valid despite the bankruptcy proceedings. 

XXXX 's failure to respond XXXX constitute a violation of debt collection practices. They have ignored my written request for validation while continuing collection efforts. If they can not provide the requested information, they are legally obligated to stop all collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 BEEN TRYING TO GET MYIDENTITY THEFT SITUATION STRAIGHTEN OUT FOR ALMOST A DECADE, WHETHER ITS CONTACTING AND ALERTING THE CREDITORS, OR CONTACTING THE CREDIT BUREAU. IT WAS TO NO SUCCESS. I BELIEVE ONE OF THE CREDIT BUREAUS TOLD ME TO GET A POLICE REPORT, SO THAT'S WHAT I DID, BUT THEY DIDNT REMOVE. IM BEEN TRYING TO RESOLVE PROBLEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
I have multiple hard inquiries on my credit report that I did not authorize. My permission was never given, written or verbal. Numerous attempts have been made by way of certified mail and phone calls to rectify this issue. XXXX credit bureau has caused an enormous hardship due to its improper reporting of my credit. The the inquiries are as follows, XXXX. XXXX ( XX/XX/year> ) and ( XXXX XXXX XXXX  ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX credit XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) I the consumer have a right to a fair and accurate credit report as stated by 15 USC 1681b.

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 2025-03-14 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 filing a dispute regarding the student loans reported on my credit file due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ). Recent reports indicate that XXXX XXXX and affiliated entities may have gained unauthorized access to Americans ' private student loan information. FERPA ( 20 U.S.C. 1232g ) protects student records from such unauthorized disclosures. If my loan data has been accessed, shared, or misused without my consent, it constitutes a violation of federal law.

I am requesting the immediate removal of these student loans from my credit report, verification of the data source, and an investigation into whether my information was obtained legally. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate, verifiable, and lawfully obtained. If they can not provide proof that my student loan data was acquired in compliance with FERPA, they are required to remove the accounts from my report.

I urge the CFPB to oversee this matter to ensure my rights are protected. Failure to act on this dispute may result in legal action to enforce my consumer rights.

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 2025-03-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their deletion within 15 days. Enclosed are the necessary documents for your review. Additionally, different account details are being reported to each bureau, leading to inaccuracies.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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