vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
After disputing multiple collections and other forms of debt, late payments, etc The reporting agencies refuse to send letters of verification and as well as contracts with my live wet signature!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
After disputing multiple collections and other forms of debt, late payments, etc The reporting agencies refuse to send letters of verification and as well as contracts with my live wet signature!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint concerning multiple inaccuracies in the personal information section of my Experian credit report. My report incorrectly lists the names " XXXX XXXX XXXX '' and " XXXX XXXX '' as aliases, along with an outdated and incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These entries do not match any valid or current identifying information associated with my credit profile and may have been added in error due to data contamination or the mishandling of consumer information, potentially linked to a data breach.

Under 15 U.S.C. 1681 and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate personal data and to delete or correct inaccurate or unverifiable information. Allowing conflicting or unrecognizable personal information to remain on my credit file opens the door for additional reporting errors, misattributed accounts, and future complications in identity verification and financial applications. These entries have no basis and are damaging to my credit integrity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

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 2025-05-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These negative remarks have been detrimental to my life and credit health.|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These negative remarks have been detrimental to my life and credit health.|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
1. Account that are in question are as follow XXXX XXXX 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 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 XXXXXX/XX/year> Further, per FDCPA Section 809, debt collectors must provide full validation and verification of any debt upon request. If you can not provide such verification for the disputed accounts, you are prohibited from reporting them on my credit report.

15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. 
If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result. 
Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. 
If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion LLC and XXXX v. XXXX, show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further. 
The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable. If any data is disputed, it must be proven by the reporting agency to be correct and substantiated. Your failure to properly verify these reports constitutes a violation of FCRA Section 1681i, and I demand the immediate deletion of these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. XXXXXXXX XXXX XXXXXXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$400.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$2100.00}, opened : XX/XX/XXXX XXXXXXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. XXXXXXXX XXXX XXXXXXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$400.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$2100.00}, opened : XX/XX/XXXX XXXXXXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
The inquiry below are fraud and not mines. 

Inquiry details XXXX  ( XXXX  ) XX/XX/year> XXXX  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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2025, I issued instructions to my bank for an online check to be delivered to an individual. On XX/XX/2025 my checking account was debited for the same amount although the individual to whom the check was issued had not yet received the check in his mail. 
Upon enquiry with the bank, they did not know why my account was debited, even though the recipient did not receive the check. The bank advised me to file a written statement of unauthorised debit/credit, which I did on XX/XX/2025. 
Later, the recipient received the same check by mail on the same day ( XX/XX/2025 ). Upon enquiry with the recipient, it transpired that the check was issued by a bank different from the one I was banking with. I contacted my bank and they confirmed to me that since the check was already delivered, the recipient could go ahead and bank it. On XX/XX/2025, I was informed by the recipient that the check was returned. 
I once again contacted my bank and enquired about this matter and was informed that their third party processing company arbitrarily decides whether the check should be issued directly by the same bank, or by a different bank. 
It appears that when a different bank issues the checks, the processes are delayed, although my account is debited even before the recipient receives the check. 
This process is opaque, arbitrary, and completely unpredictable for a consumer of banking services like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Paraphrasing JPs response JP mentioned they can not determine what I am seeking with my complaining for the credit card account ending in XXXX. Good point. It is the point of the complaint since they have the account effecting my credit score. If the account can not be found why does it show? Yes it shows no account. They asked me to contact someone else though they show no account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX, Account # : XXXX. XXXX XXXX, Account # : XXXX. XXXX XXXX XXXX, Account # : XXXX. XXXX XXXX  XXXX Account # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX Date XX/XX/XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/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 2025-05-19 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX CAPITAL XXXX BANK XXXX XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with explanation