vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Thursday, XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. 

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX I dont remember ever being late with a payment on this account. 

Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX xxxxxxxxxxxx XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute and Correction of Personal Information on My Credit Report Dear CFPB, I am requesting an immediate investigation into the inaccurate personal information reported on my credit files with Experian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any incorrect, incomplete, or outdated information on my credit reports and request corrections. The credit bureaus are required to maintain accurate and up-to-date consumer information, and failure to do so is a violation of the law.

The only Personal Information that should be displayed on my report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Telephone : XXXX Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681c - Accuracy of Consumer Reports : Credit bureaus must ensure that consumer reports do not contain inaccurate, outdated, or incorrect personal information.

FCRA 15 U.S.C. 1681i - Duty to Correct and Update Information : Credit bureaus must investigate and correct any disputed personal information within 30 days of receiving a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute and Correction of Personal Information on My Credit Report Dear CFPB, I am requesting an immediate investigation into the inaccurate personal information reported on my credit files with Experian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any incorrect, incomplete, or outdated information on my credit reports and request corrections. The credit bureaus are required to maintain accurate and up-to-date consumer information, and failure to do so is a violation of the law.

The only Personal Information that should be displayed on my report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Telephone : XXXX Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681c - Accuracy of Consumer Reports : Credit bureaus must ensure that consumer reports do not contain inaccurate, outdated, or incorrect personal information.

FCRA 15 U.S.C. 1681i - Duty to Correct and Update Information : Credit bureaus must investigate and correct any disputed personal information within 30 days of receiving a dispute.

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 2025-03-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
When I went through my credit profile I saw inquiries that didn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

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 2025-03-21 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: LA

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 2025-03-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Collection agency failed to provide validation of debt. Im asking for the debt to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is still reporting fraudulent/incorrect addresses on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) XXXX XXXX writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was looking for houses to rent on XXXX XXXX  and I got some inquiries back stating that I needed to do a credit check so I put my information in and I pay the {$30.00} I was asking for a refund never heard anything back they were also trying to scam {$45.00} off of me to reserve the timeframe to come look at the house. I dont know if I need to post a link to you guys I had to cancel everything I put a block on my debit card I am worried that my information is not safe and Im unsure as to what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX  and tired of this. I'm gon na go to court.

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 2025-03-21 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax immediately block the following fraudulent accounts and delete the associated addresses from my credit file. These items are the result of identity theft and fraud.

As a consumer protected under the Fair Credit Reporting Act, I expect Equifax to take the appropriate actions within XXXX ( XXXX ) business days of receiving this complaint and supporting documentation. 

XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$8500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following addresses were added to my credit file without my consent. I have never resided at or used these addresses and request their immediate removal : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To substantiate this claim, I have included the following documents : Notarized FTC Identity Theft Criminal Complaint # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Ive had fraudulent charges from XXXX XXXX And XXXX XXXX closed my pro account claiming that there was fraud without any explanation and were not responding emails and calls asking about it since I had many perks and discounts on my account. 
So I turned to American Express requesting to report fraudulent charges in the amount of XXXX $ After 5 months the responded saying that XXXX XXXX had my credit card information so the charges it therefore it is not valid claim I dont know who else to turn to but I definitely not going to seat quite and see how those XXXX companies do whatever they want and defraud customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information reported on my credit reports by TransUnion, XXXX, and XXXX. The accounts in question are both with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ) I am requesting that the CFPB facilitate an investigation into the following discrepancies and ensure that the credit reporting agencies correct the information as required under 15 USC 1681I ( Fair Credit Reporting Act ), 15 USC 1666b, and 15 USC 1681s-2.

Disputed Information for Both Accounts : Date Closed The reported closure dates appear to be inaccurate. 
Payment History The reports list late payments that I dispute, as I have documentation confirming that all payments were made on time during the stated periods. 
Charge-Off Status Both accounts are listed as charged off, but I have not received sufficient documentation supporting these claims.

Legal References for Dispute : 15 USC 1666b This law mandates that accurate information be reported, especially in regard to charges, payments, and any adjustments.

15 USC 1681I Under the Fair Credit Reporting Act, I am requesting a thorough investigation and correction of the disputed information within 30 days.

15 USC 1681s-2 I am also requesting that the creditors provide valid statements confirming compliance with the law regarding accurate and complete reporting to credit bureaus.

Additionally, I believe both accounts may have been reported as forgiven or written off. Please provide the 1099-C form ( s ) for these accounts, as it is critical for verifying their proper handling and reporting under tax and credit regulations. 

I request that the CFPB forward this dispute to TransUnion, XXXX, and XXXX and assist in ensuring that these credit bureaus investigate and resolve these matters according to the applicable laws. Please notify me when action has been taken and provide confirmation that the necessary corrections have been made to my credit reports. 

I have attached supporting documents to help with the investigation. 

Thank you for your assistance in resolving these matters. I look forward to receiving confirmation of the investigation 's results and any actions taken. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Sir/Madam, I am filing this dispute with the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccurate information reported on my credit reports by XXXX, XXXX, and Experian. The accounts in question are both with XXXX XXXX Services : XXXX Card Services ( Account Number : XXXX ) XXXX XXXX Services ( Account Number : XXXX ) I am requesting that the CFPB facilitate an investigation into the following discrepancies and ensure that the credit reporting agencies correct the information as required under 15 USC 1681I ( Fair Credit Reporting Act ), 15 USC 1666b, and 15 USC 1681s-2.

Disputed Information for Both Accounts : Date Closed The reported closure dates appear to be inaccurate.

Payment History The reports list late payments that I dispute, as I have documentation confirming that all payments were made on time during the stated periods. 
Charge-Off Status Both accounts are listed as charged off, but I have not received sufficient documentation supporting these claims. 
Legal References for Dispute : 15 USC 1666b This law mandates that accurate information be reported, especially in regard to charges, payments, and any adjustments.

15 USC 1681I Under the Fair Credit Reporting Act, I am requesting a thorough investigation and correction of the disputed information within 30 days.

15 USC 1681s-2 I am also requesting that the creditors provide valid statements confirming compliance with the law regarding accurate and complete reporting to credit bureaus.

Additionally, I believe both accounts may have been reported as forgiven or written off. Please provide the 1099-C form ( s ) for these accounts, as it is critical for verifying their proper handling and reporting under tax and credit regulations. 

I request that the CFPB forward this dispute to XXXX, XXXX, and Experian and assist in ensuring that these credit bureaus investigate and resolve these matters according to the applicable laws. Please notify me when action has been taken and provide confirmation that the necessary corrections have been made to my credit reports. 

I have attached supporting documents to help with the investigation. 

Thank you for your assistance in resolving these matters. I look forward to receiving confirmation of the investigation 's results and any actions taken. 

Sincerely, 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 2025-03-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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