vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-16 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: WV

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 2025-04-16 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: WV

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-16 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:
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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against the nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor their repeated refusal to investigate my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they " believe my dispute requests are not coming from me. '' This is both incorrect and deeply concerning. 

I have taken the necessary steps to verify my identity with each submission, including providing government-issued identification and other supporting documentation to confirm my identity and the accuracy of my dispute. I am not using a credit repair organization or third-party representativethese disputes are being submitted by me personally as the affected consumer. 

The repeated refusal to process my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. By continually dismissing my submissions without investigation or resolution, they are obstructing my right to accurate credit reporting and due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against the nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor their repeated refusal to investigate my credit disputes. Despite submitting my disputes in good faith, directly and personally, each bureau has responded with stall letters suggesting that they " believe my dispute requests are not coming from me. '' This is both incorrect and deeply concerning. 

I have taken the necessary steps to verify my identity with each submission, including providing government-issued identification and other supporting documentation to confirm my identity and the accuracy of my dispute. I am not using a credit repair organization or third-party representativethese disputes are being submitted by me personally as the affected consumer. 

The repeated refusal to process my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. By continually dismissing my submissions without investigation or resolution, they are obstructing my right to accurate credit reporting and due process.

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 2025-04-16 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 XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
XX/XX/scrub>XXXX Monterey Financial Account XXXX XXXX XXXXXXXX Dear Collector, I am writing in response to your phone call dated XX/XX/year>, regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed accounting of how the alleged amount was calculated ; 4. Copies of any documents showing I agreed to assume this debt ; 5. The name and address of the original creditor ; 6. Proof that you are legally authorized to collect debts in Ohio ; 7. A copy of the judgment ( if applicable ).

Until you provide the above, please cease all collection activities, including reporting this debt to credit reporting agencies. If you have reported this debt to any credit bureaus, please notify them that the debt is currently in dispute. 
I request that all future communication regarding this matter be in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported to my credit by XXXX XXXX XXXX  XXXX XXXX or its management company, XXXX XXXX. I served as the guarantor for my brother, XXXX XXXX, who leased an apartment from XX/XX/XXXX to XX/XX/XXXX. All rent payments were made in full and on time. 

In XX/XX/XXXX, I discovered a derogatory collection account had been reported against me. This was the first and only notice of any alleged charges. I was never notified in writing of any outstanding balance prior to this reporting. Upon formally requesting documentation, I received an invoice dated XX/XX/XXXX, which was sent to an address in XXXX, XXXX address neither my brother nor I have ever been associated with. This violates both the guarantor agreement, which specifies the proper address for notices, and XXXX  XXXX XXXX XXXX, which requires timely written notification of post-move-out charges. 

The apartment complex responded to my inquiry on XX/XX/XXXX, stating that the invoice had been sent to the forwarding address provided by the resident. However, they did not produce any documentation of what forwarding address was used, nor did they explain how that address was chosen. 

Additionally, the amount reported by the collection agency does not match the amount shown on the final invoice, and no explanation for this discrepancy has been provided. 

Despite my efforts to resolve the matter, the apartment has indicated that the derogatory account will only be removed after full payment, even though the debt is in dispute and was never properly communicated. This appears to violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and verified reporting, and deprives me of due process as both a consumer and a co-signer.

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 2025-04-16 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: IL

Complaint narrative:
TransUnion investigated XXXX XXXX XXXX * * * * on my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year> I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year> now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Transunion. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 

Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am disputing inaccurate accounts on my credit report and requested the method of verification, original signed contracts, and correction of personal information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681g ) and Truth in Lending Act ( 15 U.S.C. 1641 ( g ) ). The credit agency failed to properly verify the information as required by law. I am requesting CFPB assistance to enforce my consumer rights and ensure full compliance.

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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This is a follow-up complaint regarding a prior case already closed by the CFPB involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to a XXXX-day late payment reported on an auto loan account that was already closed and paid in full. 

Despite my previous dispute, XXXX XXXX XXXX failed to provide any documentation, certification, or proper explanation for reporting this derogatory information post-closure. 

The payment in question was reported after the account 's final activity date ( XX/XX/year>2024 ), which constitutes a violation of : - FCRA XXXX ( b ) : Furnishers must report only accurate and up-to-date information. Post-closure derogatory reporting is factually inaccurate and outdated. 
- XXXX XXXX ( XXXX ) : No post-closure late payment should be reported unless it was previously verified during the life of the account. The cXXXXe XXXX XXXXXXXX in this case is used improperly. 
- FCRA XXXX ( a ) ( XXXX ) - ( XXXX ) : No documentation was presented to substantiate the late mark. 

The company failed to : - Provide proof of delinquency during the active status of the account - Show consumer notification of the alleged past-due status - Comply with the XXXX data furnishing standards I respectfully request that the CFPB re-open this issue or investigate it further. I am attaching a formal dispute letter I also submitted to the credit bureaus ( XXXX XXXX XXXX  ), requesting the removal of this inaccurate late payment. 

This complaint is not resolved and is now being escalated based on the failure to validate or correct materially inaccurate information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Received the requested affidavit of endorsement 8 MONTHS after it was requested, meanwhile the bank was holding the deposit of {$1400.00} and assumed I was a criminal so only after months of hounding and filing compliants was it received. BMO bank has had the notarized form for 1 week and they STILL HAVE NOT CLOSED THE ACCOUNT AND RELEASED MY MONEY. I can't get a contact phone number and XXXX XXXX in fraud to confirm the account has been closed and funds sent. This has been going on since XXXX OF XXXX. WHY CANT I GET ANY HELP HERE??

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 monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am trying to temporarily unfreeze my credit report with Experian. I foolishly misplaced my login info. When I tried to reset it online it tells me that my birthday and SSN " don't match up ''. 

I tried to call on XX/XX/XXXX. It is absolutely impossible to reach a live person. And none of the automated options are what I need. I finally got a recording that said to send a letter with a request to reset the info. I needed to include my full name and address, a copy of my driver 's license, a utility bill or credit card statement. I did all this. Over a month later, still no word. And I still can't access my information. 

I tried to login again yesterday ( XX/XX/year> ) with the exact same frustrating results. All I want is to be able to speak to a real person and fix this. I need to get this unfreeze done ASAP.

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 2025-04-16 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: STATE EMPLOYEES CREDIT UNION
State: NC

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 response to consumer: Closed with explanation