vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TN

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 2025-04-29 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: TN

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 2025-04-29 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
iI am a victim of identity theft. Someone has used my identity to open these accounts. credit cards and personal loans. I have never gave anyone permission or authorization to open these accounts. This is affecting my ability to get my dream job most importantly be able to provide for my family properly Accounts

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 2025-04-29 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:
iI am a victim of identity theft. Someone has used my identity to open these accounts. credit cards and personal loans. I have never gave anyone permission or authorization to open these accounts. This is affecting my ability to get my dream job most importantly be able to provide for my family properly Accounts

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please dispute the following account in my transunion credit report because there was fraudulent charge in this account safe home security acct number 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 2025-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-29 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: 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards during the reinvestigation of a disputed account from XXXX XXXX XXXX ( Account # XXXX ). Despite the dispute submitted and a request for verification, Experian did not provide a XXXX of XXXXXXXX XXXX XXXX XXXX  or any supporting documentation and instead responded with a vague statement that the account would remain unchanged. 

Describe what happened : On multiple occasions, I submitted formal disputes regarding an account from XXXX XXXX XXXX. Experian responded that the account had been verified, but failed to supply the required Method of Verification, documentation, or any investigation findings in accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a clear violation of federal consumer protection laws. 

Furthermore, the account is being reported with serious Metro 2 compliance violations and data integrity issues, including : Balance inconsistencies ( reported as {$0.00} in one section and {$1200.00} in another ). 
Balance exceeds the credit limit ( {$1200.00} on a {$1100.00} limit ), which is inaccurate reporting. 
No terms, original creditor details, or monthly payment fields are listed, violating Metro 2 fields XXXX, XXXX, XXXX, XXXX, and XXXX. 
Payment history reflects charge-offs ( CO ) beyond the correct timeframe and without corresponding status updates. 
The tradeline states Purchased by another lender but no successor account is reported or verified. 
The account lacks clarity in date of last activity, delinquency, and last payment, which are essential for legal and accurate reporting. 

Experian is knowingly continuing to report this derogatory and unverifiable tradeline, despite having received a reinvestigation request and knowing that the account data is incomplete and inconsistent. 

This account is now unlawfully blocking my ability to purchase a home, causing harm to my financial opportunities and credit standing, and Experian is acting in bad faith by refusing to remove it without proper legal basis.

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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your claim that the time period to respond to the loan deferment paperwork has expired. I never received the paperwork due to it being mailed to an incorrect address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is the physical property address, not my mailing address. As of the evening of XX/XX/year>, your agent confirmed that I am now enrolled in paperless billing to prevent any delays or miscommunication in the future. 

The agent also confirmed that the correct mailing address on file has been updated to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, during the time I was expected to receive the deferment paperwork, mail continued to be sent to the physical property address ( XXXX XXXX XXXX XXXX despite multiple prior requests to direct all correspondence to the correct mailing address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

This failure to update and honor the designated mailing address has had a direct and harmful impact on my ability to respond in a timely manner. As a result, I was unaware that a deadline had passed and was unable to take appropriate action. If any correspondence was correctly sent to XXXX XXXX XXXX in XXXX, it may not have been received or opened promptly due to illness in the household at that time. 

Additionally, mail delivered to the physical address was only retrieved at a later date, further compounding the delay. It is critical that SPS ensures future communications are sent only to the proper mailing address, as continued delivery to the wrong location puts my household at serious risk of further miscommunication and hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 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: MD

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts are now being reported on my TransUnion credit report and are negatively impacting my credit. 

On or around XX/XX/year>, I noticed unfamiliar accounts on my credit report. I did not apply for or authorize any accounts with these companies. Some of these accounts XXXX show balances owed, late payments, or inquiriesall of which are false and the result of criminal identity misuse. 

In response, I took the following actions : On XX/XX/year>, I filed an identity theft report with Identitytheft.org I notified TransUnion of the fraudulent activity and formally requested a block under 15 U.S.C. 1681c-2 on XXXX.

I submitted supporting documentation, including a copy of my government ID, proof of address, and the identity theft report.

I placed a fraud alert on my credit file and am considering a credit freeze for added protection.

Despite these steps, the accounts continue to be reported. I am requesting that these fraudulent accounts be immediately blocked and permanently removed from my credit file, and that all furnishers be notified not to report this information again.

I am suffering harm to my credit score and financial reputation due to information that is demonstrably false and the result of identity theft. I am requesting a full resolution under the Fair Credit Reporting Act, and your assistance in ensuring the companies involved address this issue.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent with the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts are now being reported on my TransUnion credit report and are negatively impacting my credit. 

On or around XX/XX/year>, I noticed unfamiliar accounts on my credit report. I did not apply for or authorize any accounts with these companies. Some of these accounts XXXX show balances owed, late payments, or inquiriesall of which are false and the result of criminal identity misuse. 

In response, I took the following actions : On XX/XX/year>, I filed an identity theft report with Identitytheft.org I notified TransUnion of the fraudulent activity and formally requested a block under 15 U.S.C. 1681c-2 on 04/29/25.

I submitted supporting documentation, including a copy of my government ID, proof of address, and the identity theft report.

I placed a fraud alert on my credit file and am considering a credit freeze for added protection.

Despite these steps, the accounts continue to be reported. I am requesting that these fraudulent accounts be immediately blocked and permanently removed from my credit file, and that all furnishers be notified not to report this information again.

I am suffering harm to my credit score and financial reputation due to information that is demonstrably false and the result of identity theft. I am requesting a full resolution under the Fair Credit Reporting Act, and your assistance in ensuring the companies involved address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts are now being reported on my TransUnion credit report and are negatively impacting my credit. 

On or around XX/XX/year>, I noticed unfamiliar accounts on my credit report. I did not apply for or authorize any accounts with these companies. Some of these accounts may show balances owed, late payments, or inquiriesall of which are false and the result of criminal identity misuse. 

In response, I took the following actions : On XX/XX/year>, I filed an identity theft report with Identitytheft.org I notified TransUnion of the fraudulent activity and formally requested a block under 15 U.S.C. 1681c-2 on 04/29/25.

I submitted supporting documentation, including a copy of my government ID, proof of address, and the identity theft report.

I placed a fraud alert on my credit file and am considering a credit freeze for added protection.

Despite these steps, the accounts continue to be reported. I am requesting that these fraudulent accounts be immediately blocked and permanently removed from my credit file, and that all furnishers be notified not to report this information again.

I am suffering harm to my credit score and financial reputation due to information that is demonstrably false and the result of identity theft. I am requesting a full resolution under the Fair Credit Reporting Act, and your assistance in ensuring the companies involved address this issue.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
b"I am writing to dispute a debt reported to my credit report by Capital One Auto Finance reference account No XXXX \nOn XXXX XXXX. I sent a certified written demand  letter tracking XXXX XXXX XXXX XXXX XXXX to Capital One Auto Finance Credit Bureau Dispute  requesting validation of this debt. Pursuant to  XXXX Notice for validation of debts\n I also request the credit bureaus Equifax, Transunion and Experian remove this debt from my credit reports, however they have not properly investigated, provided any proof or documentation validating that i am the party responsible for this debt. \n\nPursuant to 15 USC 1861 S2 A furnishers must report accurate information under 15 USC 1681 I. The credit bureaus must perform a reasonable investigation within 30 days, neither of them have provided  sufficient evidence to support the debt reported. They have disregarded my request and continue to report this debt on my credit report which is inaccurate and not properly verified.  I have not yet to receive a satisfactory resolution. \n\nOn XXXX XXXX XXXX  Capital One Auto Finance has responded to my debt validation demand letter challenging my lawful request for debt validation that they have reported to the credit bureaus  failing to forward all relevant information, failing to provide adequate or accurate  documentation and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in reported on my credit report related to the debt they claim I owe to them. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods.\nDespite my request, they have failed to provide me with the name and address of the original creditor, account number, or proof of the debt's existence pursuant to 15 USC 1692g Sec 809 (b) FDCPA.\nUnfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking and economic system."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FRCA 605B15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FRCA 605B15 U.S.C. 1681c-2.

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 2025-04-29 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:
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 2. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted 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