vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CA

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 explanation
Consumer complaint received 2025-05-01 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect Public Record : My credit report shows an incorrect Public Record of a bankruptcy filing. This record is shown as a personal record, when it is a business filing/record in which I was an authorized filer not debtor. This record should not be shown as a personal record on my personal credit file. 

I did a dispute online on XX/XX/year> and on the same day it came back closed and verified, however I have my signed count documents and XXXX report to prove it not only wasn't investigated but it is reporting on my personal credit when it shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Noticed Debt on Credit Report Call and asked for a Validation of Debt, did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 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 2025-05-01 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: NV

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I contacted EdFinancial after falling behind on my student loan. A representative told me that if I brought my account current by paying the required amount, the delinquency would be removed from my credit report as if it was never there. Based on this information, I made the payment and brought my account current.

However, when I called back on XX/XX/XXXX to confirm the update, a different representative told me that the delinquency would not be removed, and that I had been misinformed. She admitted it was a human error, but this miscommunication led me to take financial action under false expectations.

Im now being told that the delinquency will remain on my credit report, even though I relied on incorrect guidance from EdFinancial staff to resolve the issue. This is damaging my credit, and I would not have acted the same way if I had been given accurate information.

I am requesting that EdFinancial delete the delinquency entirely from my credit report, not simply mark it resolved. This request is based on the clear misrepresentation I received and the actions I took in good faith to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-01 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 presume 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 2025-05-01 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: MD

Complaint narrative:
Under 15 USC 1681c-2 ( a ), any accounts that are found to be opened or accessed as a result of a data breach must be blocked within four ( 4 ) business days of the dispute being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
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 2025-05-01 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. { XXXX  XXXX {$430.00} opened XX/XX/year> } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Complaint Description ( paste this ) : I reviewed my credit reports and found multiple inaccurate and unauthorized items that I am formally disputing as either incorrect or fraudulent. These include : A {$710.00} collection from XXXX XXXX XXXX I do not recognize or owe this debt. I never received notice, bills, or validation of the alleged account. 
A {$280.00} collection from XXXX. XXXX for XXXX I have never had a XXXX account associated with this debt. I was not notified and did not authorize this account. 
A hard inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/year>, which I did not authorize, initiate, or consent to. I have never applied for credit or a mortgage with this company. 
Several late payments listed by XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, some of which are inaccurate, unvalidated, or unreported within the allowed legal timeframe. 
I filed an official FTC Identity Theft Report, attached with this complaint, and submitted disputes to Experian, TransUnion, and Equifax under FCRA Section 605B ( identity theft ) and the general FCRA dispute process.

Despite my disputes, these items remain, and they are damaging my credit profile unfairly. I request the CFPB assist in having these items : Investigated and permanently removed if unverified or fraudulent Blocked under FCRA Section 605B Corrected or deleted where inaccuracies exist.

I am currently preparing legal action under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) where applicable.

The failure of the credit bureaus and furnishers to investigate, validate, or remove these unauthorized and inaccurate items after receiving proper notice and documentation ( including an FTC Identity Theft Report ) constitutes willful noncompliance with federal law.

If these issues are not resolved, I will proceed with a complaint to the Office of the Attorney General and civil litigation as allowed by law.

NOTICE : If these fraudulent and inaccurate items are not removed within 15 days, I will file a civil lawsuit against your organization for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and any applicable state consumer protection laws. You are now on notice.

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 2025-05-01 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XXXX XXXX XXXX I signed an agreement for a forbearance loan deferment to add the amount of the forbearance to the end of the loan. All documents were completed before the forbearance end date, but the company still reported my payments as late instead of No Data for this period, as all the other months were reported. Now I am showing XXXX days and XXXX days late for this time in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  I have called several times and spoken with someone from the department. The rep states they see the issue and have sent it to be reviewed, but no one ever calls back. I call back and they review the account again and state that they will escalate it for review. I would like to ensure that these late payments are removed from my account promptly. 

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 2025-05-01 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX  are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX  ) I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX XXXX Please delete the following accounts. 







XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2025-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc.
State: HI

Complaint narrative:
Eastern Revenue , INC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX They contacted me on or around XX/XX/XXXX stating that I have a debt through a student loan. They told me if I do not take care of this then they would take legal action against me. I agree to make $ 55 monthly installments until the debt was paid off. They advised me to pay more due to the interested already collected and that interest that will continue to gain throughout the installments. So, for about 120 months I made payments totaling around {$6000.00}. I stop making payments in XX/XX/XXXX as I knew they would contact me and when they called, I informed them that I will not make any more payments, and I verbally requested validation of the debt that I supposedly owe. I informed them under the FDCPA you have 30 days to provide me the debt and the following day I sent a letter stating the same requesting the validation of the debt. 

After 30 days have passed, I sent another letter to them stating they failed to prove the debt validation, and I requested a full refund of the money I paid to Eastern Revenue Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report shouldn't include info solely about transactions/experiences between us. Late payments negatively impact my report and are part of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 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: IL

Complaint narrative:
Demand for Immediate Removal of Inaccurately Reported Bankruptcy I am formally disputing the inclusion of my XXXX [ XX/XX/XXXX ] bankruptcy this is my third attempt in the pass 30 days ( Case No. [ XXXX ] ) on my Equifax and Transunion credit report. This item is invalid and violates federal law, as confirmed by a court order dated [ XX/XX/XXXX ], which explicitly states this bankruptcy does not belong on my consumer report. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of this bankruptcy is factually and legally inaccurate, as it has been discharged and invalidated by court order. Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) requires you to correct discrepancies across all credit reports. Notably, XXXX  have already removed this bankruptcy, and Equifax and Transunion non-compliance creates an unlawful inconsistency. Please remove as soon as possible as this preventing me from supporting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX was the original processor for this transaction. Early in 2023 I had blood work conducted through my doctors office, my co payment was taken no further chargers were requested. Several months later, XXXX began sending letters advising I owed more money for the blood draw. My insurance at the time was contacted and they advised all payment was made to both my doctor and XXXX. 

XXXX then increased the amount I owed every letter to a total of XXXX XXXX 

XXXX was contacted with all the above information a would not review or reverse the charges. 
At some point they sold my owed amount to radius debt collectors and this was reported to my credit for an amount the was paid by me and my insurance.

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