vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
DEMAND FOR IMMEDIATE REMOVAL Subject : MATHEMATICAL PROOF OF FALSE REPORTING - DEMAND FOR COMPLETE REMOVAL Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I DEMAND THE IMMEDIATE AND COMPLETE REMOVAL of the XXXX account from my TransUnion credit report based on PROVEN FALSE INFORMATION that violates the Fair Credit Reporting Act. 
PROOF OF FALSE REPORTING The XXXX account ( reported XX/XX/year> ) contains MATHEMATICALLY IMPOSSIBLE information : Current Balance : {$6600.00} Highest Balance : {$5000.00} This mathematical impossibility PROVES that the entire account is being falsely reported. When one element of an account is demonstrably false, the entire account 's credibility is compromised and must be removed entirely, not corrected.

LEGAL BASIS FOR COMPLETE REMOVAL 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that when information is found to be " inaccurate or unverifiable, '' the information must be " promptly delete [ d ] '' - not corrected.

15 U.S.C. 1681e ( b ) requires " maximum possible accuracy '' in credit reporting. The mathematical impossibility in this account proves this standard has been violated.

CFPB Bulletin 2013-09 states that furnishers must have " systems and processes '' to provide accurate information. The presence of a mathematical impossibility proves these systems have failed completely.

DEMAND FOR ACTION I DEMAND : COMPLETE REMOVAL of the entire XXXX account from my credit report IMMEDIATE ACTION- not correction or suppression NOTIFICATION within 5 business days of your action Correction is NOT an acceptable remedy. The account contains PROVEN FALSE INFORMATION and must be removed in its entirety. I will accept NOTHING LESS than complete removal of this account from my credit report. The mathematical impossibility in the account information is INDISPUTABLE PROOF that the reporting is false and violates federal law.

My credit score of XXXX is causing immediate financial harm. I need this resolved IMMEDIATELY. 
Sincerely, XXXX XXXX XXXX NOTE : The mathematical impossibility in this account is clear evidence of false reporting. Under the FCRA, accounts containing proven false information must be removed entirely, not corrected.

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 2025-03-31 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: MS

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 2025-03-31 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 XXXXXXXX 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 2025-03-31 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent and Inaccurate Accounts on My Credit Report Request for Removal Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate accounts appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I request the immediate blocking and removal of these unauthorized accounts as they were fraudulently opened without my knowledge or consent. 

The following accounts are fraudulent and must be removed from my credit report : 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 2025-03-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent and Inaccurate Accounts on My Credit Report Request for Removal Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate accounts appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I request the immediate blocking and removal of these unauthorized accounts as they were fraudulently opened without my knowledge or consent. 

The following accounts are fraudulent and must be removed from my credit report : 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Subject : Request for Consideration of Fraudulent Activity on My Account The dates that I think were affected due to identy theft XXXX, I am writing to inform you of a situation that has negatively impacted my ability to make timely payments on my mortgage and to request that you review my account in light of the fraudulent activity I have recently experienced. 

Unfortunately, I have been the victim of identity theft. My personal information was compromised through both online platforms and email, as well as through regular mail, which led to unauthorized access to my accounts and financial information. As a result, I was unable to properly manage or make timely payments on my bills, including my mortgage. 

Due to this fraudulent activity, I was unaware of the overdue balances or notifications regarding my payments. By the time I realized the fraud had occurred, I had missed important deadlines, and my credit report now reflects late payments and delinquencies that were the result of actions beyond my control. 

I would greatly appreciate it if Shell Mortgage could review my case and consider these circumstances when evaluating my account. Given that these late payments were due to identity theft and fraud, I am requesting that any negative impacts on my credit report, stemming from this situation, be removed or corrected.

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 2025-03-31 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: WA

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 2025-03-31 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: OK

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-31 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: SC

Complaint narrative:
Im writing to bring attention to an unauthorized inquiry on my credit report. I did not give consent for this inquiry, and I have no knowledge of it. This is an error that needs to be corrected immediately.

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 2025-03-31 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: WA

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 2025-03-31 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX XXXXXXXX - XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 explanation
Consumer complaint received 2025-03-31 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: MO

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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I received a letter last week stating my normal payment has been raised because of homeowners insurance increase. I have been with allstate since I purchased home. 
I had called around different car insurance companies. Asking for a bundle quote to see if I could get a better price. That's all. We'll progressive insurance sent a declaration into my mortgage company and it was over XXXX difference. Rocket mortgage paid them and paid the one I already had. No notice. Just went with it. Now they are trying to pass the expenses to me by raising pmt on home starting XX/XX/XXXX. My mortgage pmt is XXXX and they now say because of insurance increase they want XXXX per month. I don't know who to turn to. Can't afford this type of increase and what can I do? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MO

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 2025-03-31 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
TransUnion has denied me access to my online account where I can see disputes! They have also reported false information continuously after me submitting proof that those accounts doesnt belong to me I sent my Identity theft report my license light bill & 605 B letter and they still refuse to remove inaccurate information! It should be only my name & address reporting from their agency! They have to fix this immediately

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 2025-03-31 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: FL

Complaint narrative:
I have submitted multiple written disputes to both Experian and Transunion regarding inaccurate information on my credit reports. Despite my repeated efforts, neither bureau has corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld. 

Accounts in dispute : XXXX XXXX - XXXX - monthly payments are not reflecting the same amount ; the balance is reporting different on each bureau ; dispute status reads 'not disputed ' when it should be in dispute ; last activity dates do not match ; last reported dates are wrong ; date of last payment dates are wrong. UPDATE TO NEVER LATE. 
XXXX XXXX - XXXX - balance owed do not match ; high balances do not match ; dispute status is incorrect; past due amounts are different ; last activity dates are different ; date of last payment dates are different. PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - I do not recall ever doing business with this company and they are reporting a medical debt which I thought was not allowed. PLEASE DELETE.

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 2025-03-31 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 explanation