vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX {$9800.00} XXXX XXXX {$20000.00}, XXXX XXXX {$12000.00} and XXXX $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX {$9800.00} XXXX XXXX {$20000.00}, XXXX XXXX {$12000.00} and XXXX $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Please refer to previous CFPB complaint XXXX ( Amex reference XXXX ). I received an email offer from Amex offering XXXX Membership Rewards points for spending {$1000.00} on my card, up to XXXX times. Upon trying to activate the offer, the terms had changed. Following a previous complaint, Amex advised me on XX/XX/year> that they had " identified an issue which, regrettably, may have impacted [ my ] account and the associated offer ''. Amex further advised that they were " working to resolve this matter as quickly as possible '' and that if my account was impacted, which it was, I " will receive separate notification about our actions. '' It has now been a month since Amex provided that response and I have not received any further communication. The offer that was originally provided does not appear in my account so I am unable to follow Amex 's recommendation to " meet the requirements of the offer after adding it to [ my ] Card. '' I am again attaching the original offer as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 2025-05-09 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: PA

Complaint narrative:
When I had viewed my credit report there were hard inquiries that were not mine.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint - Illegal Reinsertion of Previously Deleted Account - FCRA Violation Dear CFPB Representatives, I am writing to formally submit a complaint against TransUnion, XXXX, and Equifax, as well as the creditor XXXX XXXX XXXX, for the unlawful reinsertion of an account previously removed from my credit reports. 
The account in question : - Creditor : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Type : Secured Credit Card - Date Opened : XX/XX/XXXX - Status : Collection/Chargeoff - Balance : {$0.00} - Monthly Payment : {$0.00} Page 1 The following serious issues have occurred : 1. Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : The account was previously deleted and has been reinserted without notifying me in writing within five business days as required by law. 
2. Conflicting Information Between Bureaus : - TransUnion : Status is Paid/Chargeoff ; High Credit : {$580.00} - XXXX : Status is Closed Due to Inactivity ; Credit Limit XXXX {$300.00} - Equifax : Status is Derogatory ; High Credit : {$420.00} 3. Inconsistent Reporting Dates : - Last Payment Date differs : XX/XX/XXXX ( TUXXXX  ) vs. XX/XX/XXXX ( EQ ) - Last Activity Date differs : XX/XX/XXXX ( TU ) vs. XX/XX/XXXX XXXX XXXX  ) vs. XX/XX/XXXX ( EQ ) 4. Misleading and Damaging Reporting : Listing a paid charge-off as active or derogatory misrepresents the status and negatively impacts my credit, violating FDCPA provisions against deceptive practices.

5. Failure to Ensure Accuracy - FCRA Section 607 ( b ) : Credit reporting agencies must maintain reasonable procedures for maximum accuracy. The discrepancies clearly demonstrate a breach of this obligation.

Requested Action : - Immediate and permanent removal of this account from all three credit bureaus. 
- Full investigation into the unauthorized reinsertion. 
Page 2 - Written confirmation of corrective action taken. 
I am attaching supporting documentation showing these inconsistencies. 
Thank you for your prompt attention to this matter. 
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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint - Illegal Reinsertion of Previously Deleted Account - FCRA Violation Dear CFPB Representatives, I am writing to formally submit a complaint against TransUnion, XXXX, and Equifax, as well as the creditor XXXX XXXX XXXX, for the unlawful reinsertion of an account previously removed from my credit reports. 
The account in question : - Creditor : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Type : Secured Credit Card - Date Opened : XX/XX/XXXX - Status : Collection/Chargeoff - Balance : {$0.00} - Monthly Payment : {$0.00} Page 1 The following serious issues have occurred : 1. Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : The account was previously deleted and has been reinserted without notifying me in writing within five business days as required by law. 
2. Conflicting Information Between Bureaus : - TransUnion : Status is Paid/Chargeoff ; High Credit : {$580.00} - XXXX : Status is Closed Due to Inactivity ; Credit Limit XXXX {$300.00} - Equifax : Status is Derogatory ; High Credit : {$420.00} 3. Inconsistent Reporting Dates : - Last Payment Date differs : XX/XX/XXXX ( TUXXXX  ) vs. XX/XX/XXXX ( EQ ) - Last Activity Date differs : XX/XX/XXXX ( TU ) vs. XX/XX/XXXX XXXX XXXX  ) vs. XX/XX/XXXX ( EQ ) 4. Misleading and Damaging Reporting : Listing a paid charge-off as active or derogatory misrepresents the status and negatively impacts my credit, violating FDCPA provisions against deceptive practices.

5. Failure to Ensure Accuracy - FCRA Section 607 ( b ) : Credit reporting agencies must maintain reasonable procedures for maximum accuracy. The discrepancies clearly demonstrate a breach of this obligation.

Requested Action : - Immediate and permanent removal of this account from all three credit bureaus. 
- Full investigation into the unauthorized reinsertion. 
Page 2 - Written confirmation of corrective action taken. 
I am attaching supporting documentation showing these inconsistencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked over my credit report and some accounts are inaccurate which is a violation of 15 USC 1681e ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The XXXX XXXX accounts Violates : 15 USC 1681e ( b ) Maximum accuracy is not met due to inflated balances vs. original high credit. 
15 USC 1681i ( 5 ) ( A ) Unverified and inaccurate info must be deleted, not updated.

15 USC 1681b No permissible purpose shown to report these student loans.

FERPA Educational records have been disclosed to and used by third parties without signed consent. There is evidence in the public domain confirming government overreach and misuse of student borrower records. 
TILA I have never been provided disclosures by XXXX XXXX XXXX ( XXXX ). DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be liable under 15 USC 1681n , which is civil liability for willful noncompliance.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Second Request for Deletion of Inaccurate Information Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as my second formal dispute and request for deletion of inaccurate and unverifiable information under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) regarding the account listed as XXXX XXXX XXXX with account number ending in XXXX. 

Upon further review of my credit report, I have identified several serious issues and violations of the FCRA : XXXX. Conflicting Dates : The report lists a Date of Last Payment as XX/XX/year> and a Date Last Active as XX/XX/year>. This inconsistency indicates inaccurate reporting. 
XXXX. {$0.00} XXXX XXXX vs. {$14000.00} XXXX XXXX : If no monthly payment is due, then the account should not reflect a past due balance. This is misleading and materially false. 
XXXX. Not Reported by XXXX XXXX XXXX  : This raises major concerns about the accuracy and legitimacy of this information. Valid, verified accounts should be consistently reported across all three bureaus. 
XXXX. {$0.00} XXXX XXXX and XXXX XXXX : The absence of a credit line or high balance further discredits this as a reportable open credit account. 
XXXX. Over 24 Months of XXXX Late Payments : This pattern strongly suggests unlawful re-aging to prolong negative reporting, in violation of FCRA Section 605 ( c ). 

These errors collectively represent a clear violation of my rights under the FCRA. You are legally obligated to ensure that only accurate, complete, and verifiable information is maintained in my credit file. 

Therefore, I formally request the immediate deletion of this account from my credit report. If you can not provide proper documentation proving the validity and accuracy of this account within the XXXX investigation window, you must delete it under FCRA guidelines XXXX 

Please find enclosed a copy of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed account. 

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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