vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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 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 2025-03-20 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, 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 2025-03-20 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:
After reviewing my consumer report I discovered that I am a victim of identity theft. 
I disputed these records and Experian refused to remove the account from my report. 
I demand this account be removed for violation of the following laws/statutes. 


15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have disputed this debt multiple times asking for the forward flow agreement, proof of purchase/sale agreement, the sale data file, my signature agreeing to pay Midland Credit Management XXXX and written communication only from this company. I have repeatedly been denied this information as well as written communication proving I hold a legal contract with Midland Credit Management. They have continued attempted contacts via people they assume are associated to me and not linked to any account I may have as well as sending ghost digital communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally report inaccuracies in my credit report that have negatively impacted my credit score and overall financial standing. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ).

My Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX La, XXXX Account Information : Creditor : XXXX XXXX Account Number : XXXX ( last four digits ) Account Type : Revolving Credit Card Bureau Reporting : Equifax, Experian, TransUnion Details of the Dispute : 1. Account Status : The account is reported as " Closed '' across all three bureaus. However, I believe this status is inaccurate as I have not requested to close this account.

2. Payment Status : The payment status varies slightly between the bureaus. For instance, Equifax shows " Paid or paying as agreed, '' while Experian shows " Current. '' This inconsistency raises concerns about the accuracy of the information being reported.

3. Balance and Payment Information : The reported balance and payment history do not accurately reflect my payment behavior. Specifically, the monthly payment reported ( {$10.00} ) does not align with my understanding of the account terms.

4. Last Reported Date : The last reported date appears to be inconsistent, with different dates reported by each bureau. This can lead to confusion regarding my credit history. 

I am writing to formally dispute inaccuracies in my credit report related to my account with XXXX XXXX XXXXXXXX XXXX which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX ( last five digits ) Bureau Reporting : TransUnion, Experian, Equifax Details of the Dispute : 1.Account Status : The account is reported as " Open '' across all three bureaus ( TransUnion, Experian, and Equifax ). While this status is consistent, I am concerned about the accuracy of the account details, including payment history.

2. Payment Status : The payment status is reported as " Paid or paying as agreed '' on some reports and " Current '' on others. If there are inaccuracies in my payment history that are not reflected accurately, this could misrepresent my creditworthiness.

3. Monthly Payment Amount : The monthly payment is reported as {$20.00}. If this amount is incorrect or does not align with my understanding of my payment obligations, it may lead to confusion regarding my financial responsibilities.

4. Date Last Active : The reported date last active appears inconsistent, with different dates reported by each bureau. This inconsistency could mislead potential creditors regarding my credit behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally report inaccuracies in my credit report that have negatively impacted my credit score and overall financial standing. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ).

My Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX La, XXXX Account Information : Creditor : XXXX XXXX Account Number : XXXX ( last four digits ) Account Type : Revolving Credit Card Bureau Reporting : Equifax, Experian, TransUnion Details of the Dispute : 1. Account Status : The account is reported as " Closed '' across all three bureaus. However, I believe this status is inaccurate as I have not requested to close this account.

2. Payment Status : The payment status varies slightly between the bureaus. For instance, Equifax shows " Paid or paying as agreed, '' while Experian shows " Current. '' This inconsistency raises concerns about the accuracy of the information being reported.

3. Balance and Payment Information : The reported balance and payment history do not accurately reflect my payment behavior. Specifically, the monthly payment reported ( {$10.00} ) does not align with my understanding of the account terms.

4. Last Reported Date : The last reported date appears to be inconsistent, with different dates reported by each bureau. This can lead to confusion regarding my credit history. 

I am writing to formally dispute inaccuracies in my credit report related to my account with XXXX XXXX XXXXXXXX XXXX which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX ( last five digits ) Bureau Reporting : TransUnion, Experian, Equifax Details of the Dispute : 1.Account Status : The account is reported as " Open '' across all three bureaus ( TransUnion, Experian, and Equifax ). While this status is consistent, I am concerned about the accuracy of the account details, including payment history.

2. Payment Status : The payment status is reported as " Paid or paying as agreed '' on some reports and " Current '' on others. If there are inaccuracies in my payment history that are not reflected accurately, this could misrepresent my creditworthiness.

3. Monthly Payment Amount : The monthly payment is reported as {$20.00}. If this amount is incorrect or does not align with my understanding of my payment obligations, it may lead to confusion regarding my financial responsibilities.

4. Date Last Active : The reported date last active appears inconsistent, with different dates reported by each bureau. This inconsistency could mislead potential creditors regarding my credit behavior.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-20 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:
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 explanation
Consumer complaint received 2025-03-20 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:
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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was approved for this credit card a while back and received a credit limit I believe of around {$30000.00}. I called a couple of weeks ago to add XXXX authorized users and ask for those users to be limited to {$1000.00} each. I looked the other day and the credit limit for the entire account was reduced to {$1000.00}. I called the credit card company on XX/XX/year> and the person said that they have to put in a request to correct it but admitted that it was a mistake by XXXX of their representatives. They assured me I would not need to undergo another credit report since it was their mistake and it was within a month of the limit being reduced. I asked to speak to a XXXX because Ive had repeated issues with this bank, and I spoke to XXXX and she evidently was a XXXX who assured me that this issue would be corrected and it could take XXXX to XXXX business days but she was expediting it and I shared with her my issue around getting somebody on the phone that could help me and starting over every time I call. She assured me that I would get a call back with an update and that was XXXX days ago. I have come to the local branch and the representative. XXXX is trying to help me, but I can not get anywhere. It is taking hours of my time and I need this credit limit increased back to where it was and refused to let them do another credit check or review. Everyone I speak to at the bank admit it is not my fault and should be corrected but it isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

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 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 2025-03-20 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-03-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an XXXX XXXX opened at XXXX on XX/XX/XXXX under the account number XXXX. Additionally, there are XXXX fraudulent collections : XXXX opened at Central Portfolio Cont on XX/XX/XXXX under the account number XXXX for {$720.00}, and another opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$4000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-20 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: NV

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 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 2025-03-20 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: NV

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 2025-03-20 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Inquiry 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 2025-03-20 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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