vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Experian is reporting two repossession accounts : XXXX  - XXXXXXXX XXXX XXXX XXXX XX/XX/year> - {$10000.00} * * and XXXX - XXXX XXXX XXXX  - {$8700.00} * *. These entries are particularly harmful to my financial standing, as they significantly reduce my creditworthiness and can lead to unjustly higher interest rates, denied credit, and long-term financial instability. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the maximum possible accuracy of the information it includes in consumer reports, yet the continued reporting of these potentially inaccurate repossession accounts raises serious concerns about the reliability of this data. 

Additionally, the inclusion of these repossession entries without clear, documented proof of their validity not only misrepresents my financial history but also exposes me to significant financial harm. Given the ongoing risk of data breaches and the potential for inaccurate reporting, it is critical that Experian conducts a thorough and comprehensive reinvestigation of these accounts, as required under 15 U.S.C. 1681i ( a ). This section mandates a reasonable investigation upon receiving a consumer dispute, yet it appears that Experian either failed to conduct such an investigation or did so in a grossly inadequate manner, resulting in the continued presence of these disputed repossessions on my credit file.

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 2025-05-15 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: NC

Complaint narrative:
Equifax is reporting a repossession account for XXXX  - XXXX XXXX XXXX XXXX  XX/XX/year> - {$10000.00} * *, a highly damaging entry that severely impacts my credit score and financial credibility. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the maximum possible accuracy of the information it reports, yet the continued presence of this potentially inaccurate repossession raises significant concerns about the reliability of this data. 

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law, exposing consumers like myself to substantial financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and they have got into the hands of the wrong person.

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 2025-05-15 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-05-15 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: OK

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I XXXX and XXXX XXXX took begin an auto loan account on vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XX/XX/XXXX I paid the account out in full and the company refuses to update the status to the credit bureau that the account is closed but they have the status as late and open in which the the account was paid out and I received my title for the vehicle on XX/XX/XXXX. This account is closed.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-05-15 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, 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 explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I received notification via XXXX  and XXXX XXXX that on XX/XX/year>, XXXX ( XXXX ) placed a collection on my credit report. I submitted a letter of verification to the company on XXXX, in which they received per certified tracking on XX/XX/year>. This is now XX/XX/year>. I have yet to receive a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NV

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
Consumer complaint received 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized Account Opened with Capital One Dear Consumer Financial Protection Bureau, I am writing to formally report that I am a victim of identity theft, and an unauthorized account has been fraudulently opened under my name with Capital One on or about XX/XX/year>. 

I have taken all necessary precautions by placing a credit freeze with all three major credit bureaus : XXXX, XXXX, and XXXX. Despite these measures, Capital One permitted the opening of a credit account using my personal information without my knowledge or consent. 

I have never had any affiliation or prior account with Capital One. Therefore, I was alarmed to learn that an account had been opened fraudulently in my name. I have filed a police report with the XXXX XXXX Sheriff 's Office, which I have attached for your reference. 

Upon speaking with a representative from the Consumer Financial Protection Bureau ( CFPB ), I was told that Capital One claimed they attempted to contact me using the phone number on file. However, this is not possible, as I have never provided any contact information to Capital One, nor have I had any interactions with the company prior to this incident. 

It is clear that someone has gained access to my Social Security Number and other personal information to fraudulently open this account. 

Please treat this matter with urgency and provide me with written confirmation of your actions as soon as possible. 

Thank you for your attention to this serious matter. 

/r Attachment : XXXX XXXX Sheriffs Office Police Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 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
Consumer complaint received 2025-05-15 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: PA

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
Consumer complaint received 2025-05-15 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: IL

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 2025-05-15 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: IL

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 2025-05-15 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: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Re : URGENT - Improper Reinsertion of Previously Deleted Information - Account # XXXX * * ( Achieve Personal Loans ) * * To Whom It May Concern : I am writing to dispute the improper reinsertion of previously deleted information on my credit report. I have documented evidence that this information was previously deleted from my credit report and then improperly reinserted in violation of federal law. 
ACCOUNT INFORMATION BEING DISPUTED : Creditor : Achieve Personal Loans Account Number : XXXX * * * * Status : Collection/Chargeoff Balance : {$8500.00} Last Reported : XX/XX/XXXX DOCUMENTED EVIDENCE OF FCRA VIOLATIONS : XXXX. Documented Prior Deletion : As shown in the enclosed TransUnion investigation results ( File Number : XXXX, dated XX/XX/XXXX ), this account was DELETED from my credit report. The document clearly states : " INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. ACHIEVE PERSONAL LOANS  # XXXX * * * * ( XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, ( XXXX ) XXXX XXXX ) In response to your dispute, this item was DELETED from your credit report. '' XXXX. Illegal Reinsertion Without Notice : Despite this deletion, the account was later reinserted as shown in your investigation results dated XX/XX/XXXX ( File Number : XXXX ), which states the item was " VERIFIED AS ACCURATE AND UPDATED. '' This reinsertion occurred without the legally required notice pursuant to Section XXXX ( a ) ( XXXX ) ( B ) of the FCRA. 
XXXX. Failure to Follow Reinsertion Requirements : The FCRA mandates specific procedures for reinsertion that were not followed, including : No notice was provided within XXXX business days of reinsertion No statement that the disputed information had been reinserted was provided No notice of my right to add a consumer statement to the file was provided XXXX. Lack of Proper Certification : Under Section XXXX XXXX ( a ) ( XXXX ) ( A ) of the FCRA, information may only be reinserted if the furnisher certifies that the information is complete and accurate. There is no evidence such certification was obtained. 
This account must be removed immediately from my credit report based on these documented violations. TransUnion 's failure to follow proper reinsertion procedures constitutes a willful violation of the FCRA. 
DEMAND FOR REMOVAL AND DOCUMENTATION : I demand that XXXX  : XXXX. 
Immediately remove this improperly reinserted account from my credit report XXXX. Provide copies of any notice of reinsertion that was allegedly sent to me XXXX. Provide a copy of the certification from Achieve Personal Loans attesting to the accuracy of this information XXXX. Explain why proper reinsertion procedures were not followed Under the FCRA, I am entitled to a complete investigation of this matter within XXXX  days.

Company response to consumer: Closed with explanation