vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$70.00}XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$70.00}XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-09 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: Chime Financial Inc
State: CA

Complaint narrative:
My name is XXXX XXXX and I recently called your fraud department customer service and spoke with a representative about a fraudulent account that was opened up in my name on XX/XX/year>. I received an email stating that the account will be closed due to proof of identity theft the card is still being used affecting my credit score. Attached is police department proof of fraudulent activity on my Social Security regarding chime credit card company. I spoke with a representative on XX/XX/year>, and was then instructed to get the police department proof, and send it through email. Please review this information, as this credit card account was opened up fraudulently. A prompt reply is appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Why my last year student loan balance {$0.00} to this year pop old balance while last year student loan was forgiven fully with {$0.00} balance? Why this happened I need full investigation of my case. Thanks! XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
XXXX XXXX XXXX | Account # XXXX I am writing to formally dispute inaccurate and incomplete information being reported regarding the above-referenced account.

Upon reviewing my credit report, I have identified the following Metro 2 and FCRA compliance violations : - The account is not reported at all to XXXX, which creates an inconsistency. 
- Late payment history is materially different : - Experian shows : 30:1, 60:1, 90:0 - Equifax shows : 30:2, 60:1, 90:57 - FCRA 623 ( a ) ( 1 ) ( A ) requires that furnishers provide accurate and complete information to CRAs.

- Metro 2 Guidelines require consistency across all three bureaus for valid and verifiable reporting. 

Based on the above discrepancies, I am requesting the immediate deletion of this account from my credit file due to unverifiable and conflicting data. 

Please complete your investigation within the required 30-day period and send me the results in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: MA

Complaint narrative:
Credit card issuer agreed that my account was a result of fraud, I have requested several times my information be removed from all of the systems so I am able to apply for a legitimate account with them. They still have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: NY

Complaint narrative:
I have received numerous phone calls from national recovery agency about a national grid bill owed for XXXX and I filed bankruptcy on this account XX/XX/year> I have told them this numerous of times and they just keep calling and sending letters

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal " Notice of Intent to XXXX '' to TransUnion, giving them XXXX days to either delete or provide documentary evidence verifying the accuracy of the disputed accounts. Despite multiple disputes regarding these accounts, TransUnion continues to report inaccurate information, including late payments that were incorrectly classified as part of my credit report. 

The following accounts are being disputed : XXXX. XXXX  XXXX XXXX : Account : XXXX Account : XXXX Account : XXXX XXXX. XXXX XXXX : Account : XXXX These accounts have been incorrectly marked as late payments despite my prior disputes. I have continuously provided evidence of the inaccuracies, but TransUnion has failed to take corrective action. Additionally, TransUnion 's response to my dispute did not include any meaningful resolution or explanation for the erroneous reporting. 

I request that TransUnion immediately remove all negative items, including the late payment notations, from my credit report. This issue has already been escalated, and I am now pursuing further actions, including submitting this complaint to the CFPB and pursuing legal action if necessary.

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 2025-04-09 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: NC

Complaint narrative:
I am i victim of identity theft. Someone has used my social and id to open up credit card accounts and loans. I never gave anyone authorization or permission to open the accounts. Im not able to get a good job with this negative credit situation

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 2025-04-09 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: NC

Complaint narrative:
I am i victim of identity theft. Someone has used my social and id to open up credit card accounts and loans. I never gave anyone authorization or permission to open the accounts. Im not able to get a good job with this negative credit situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the continued reporting of the XXXX XXXX account on my credit reports with both Experian and Equifax. This account contains outdated and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I request immediate action from both agencies to investigate and delete this account from my credit reports.

Key Issues Outdated Negative Information ( FCRA 1681c ) : The XXXXXXXX XXXX account was opened on XX/XX/year>, which is more than 7 years ago. Under FCRA 1681c ( a ) ( 4 ), negative information such as charge-offs or delinquencies must not be reported beyond 7 years from the date of first delinquency.

This account is now outside the permissible reporting period and should no longer appear on either of my credit reports. 

High Balance Discrepancy : Experian reports a high balance of {$15000.00}, while Equifax reports a high balance of {$9100.00} for the same account. This inconsistency demonstrates a failure to ensure maximum possible accuracy as required under FCRA 1681e ( b ). 

XXXX Deletion : XXXX has already deleted this account following their investigation into its accuracy. Their decision to remove the account underscores that it is either unverifiable, inaccurate, or outdated. Under FCRA 1681i ( a ) ( 5 ) ( A ), if one bureau determines an account is unverifiable or inaccurate, it is reasonable to expect other bureaus to follow suit.

Failure to Conduct Reasonable Investigations ( FCRA 1681i ) : Both Experian and Equifax have failed to properly investigate my previous disputes regarding this account. The continued reporting of outdated and inconsistent information suggests noncompliance with FCRA-mandated investigation standards. 

Requested Actions I respectfully request that both Experian and Equifax : Immediately delete the XXXX XXXX account from my credit reports as it violates FCRA 1681c ( a ) ( 4 ) regarding outdated information.

Provide documentation verifying the accuracy of this account, including : The date of first delinquency.

Proof that the debt is within the permissible reporting period.

Investigate and address all discrepancies in the reported high balance amount and ensure compliance with FCRA 1681e ( b ).

Confirm in writing that this account has been removed from my credit reports or provide a detailed explanation for its continued reporting. 

Conclusion The continued reporting of this outdated and inconsistent information by both agencies is causing harm to my creditworthiness and financial opportunities. I urge Experian and Equifax to comply with federal law by removing this account promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AR

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 explanation
Consumer complaint received 2025-04-09 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: AR

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
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal 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 2025-04-09 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: RI

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: NY

Complaint narrative:
This CFPB complaint has been filed regarding fraudulent and inaccurate late payments on my XXXX credit report.The reporting of this late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit Account ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment ( 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 2025-04-09 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: KY

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 2025-04-09 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: GA

Complaint narrative:
Currently there is a fraudulent account on my Experian credit report..I have file ftc identity theft report to have this account blocked under Fair credit reporting Act XXXXI have included the report in this complaint..

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 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
In my last phone call with planet home lending customer service. I spoke to XXXX who stated that she would call your office about reinstating the loan. Please listen to audio. These are legally binding phone call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TN

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