vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-26 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: MS

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MS

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, CHALLENGED OR NOT.

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 2025-03-26 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: ND

Complaint narrative:
These accounts reporting on my report does not belong to me XXXX XXXX XXXX of {$1500.00} and XXXX XXXX account number XXXX an amount of {$2200.00}.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I am writing to formally dispute and demand the removal of several accounts currently listed on my credit report, which remain unverified, inaccurate, or do not belong to me. 

On XX/XX/XXXX, I sent registered letters to both Equifax and XXXX, clearly identifying the errors and requesting investigations into each item. I have received no response from either bureau, and no corrections have been made to date. 

The following accounts remain on my credit report without proper validation or documentation proving that I am legally responsible for them : XXXX XXXX XXXX XXXX ) {$3200.00} This balance is not accurate and has not been accurate since it was first reported in XXXX. 
See the attached XXXX  bill from XXXX as supporting documentation for this dispute. No valid contract or detailed breakdown has ever been provided to justify the amount currently reported. 
XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX ) {$410.00} The account shows an open date of XX/XX/XXXX, but it has been reporting on my credit since XXXX, which is misleading and inaccurate. 
XXXX ( XXXX XXXX XXXXXXXX ) {$2200.00} I have no contract or agreement with XXXX, nor any proof showing I authorized this account. 
XXXX ( XXXX XXXX XXXX XXXX  ) {$4300.00} This account reflects missed payments in XXXX and XX/XX/XXXX, yet omits XXXX, which was also unpaid. This is inconsistent and inaccurate reporting. 

In addition, my report contains fraudulent XXXX and XXXX accounts, which I have never opened or authorized. A fraud alert is currently on file due to a previous data breach involving my student loans. Also, a XXXX card that was closed in XXXX continues to appear on my report and should be removed. 

My credit file is being gravely and unfairly impacted by inaccurate, unverifiable, and outdated information. Under XXXX consumer protection law, I have the right to dispute these accounts and request their removal if they can not be verified. Your continued failure to respond or provide valid documentation is unacceptable and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
XXXX claims I had service with them in XXXX but could not give specific dates for me. I did not live at the address when they claimed I had service and I have not used XXXX for phone or internet. 

XXXX XXXX claims I had service from XXXX to XXXX of XXXX but I did not live at the address of serviced listed. I explained to them that I applied for a rental lease and was denied and never lived there. 

XXXX XXXXXXXX claims I had service from XXXX to current but can not and will not provide documentation showing where I requested or started service. This is for an apartment complex I also did not live at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
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 XXXX  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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, filing a formal complaint regarding a significant security breach by Aidvantage involving my personal and educational records. Without my authorization or consent, my confidential information was exposedan action that clearly violates the Family Educational Rights and Privacy Act ( FERPA ). This breach also infringes on the Higher Education Act and the Privacy Act of 1974, which both mandate strict protection of student data. 

The unauthorized disclosure of my sensitive information has compromised the integrity of my records and the trust I placed in Aidvantage. As a result, the contractual obligations that were established based on this compromised data are no longer legally binding. Continuing to enforce my student loan contracts under these conditions is unjust and contrary to the protections provided under federal law. 

I request an immediate investigation into the breach, including : A full evaluation of the extent of the security failure, Enforcement of corrective measures to secure my data, And the complete discharge of all outstanding student loans associated with my account. 

I am prepared to provide additional documentation or evidence to support my claims. I trust that the responsible authorities will act swiftly to address this serious matter, protect my rights, and ensure that similar breaches do not occur in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was a beneficiary of a IRRA held through XXXX XXXX, specifically XXXX XXXX XXXX XXXX. After inheritance tax was paid and the XXXX  XXXX  XXXX  obtained, I began the paperwork process of moving from XXXX XXXX XXXX to my financial institution. XXXX provided one form initially in XXXX of XXXX  however after submission we were required to modify this form at least three times with additional information they did not inform me I needed including bin # s and medallions. This process has included telephone calls and a paperworrk trail. NO RETURN PHONE CALLS from XXXX XXXX XXXX were EVER recieved. SIX months following my initial transfer request- I have NOT YET received the distribution.

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 2025-03-26 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: NC

Complaint narrative:
I HAVE BEEN IN CONTACT WITH EQUIFAX SEVERAL TIMES CONCERNING THIS ACCOUNT OF XXXX  XXXX XXXX XXXX. I HAVE SENT IN PROOF AND PROOF SHOWING THIS ACCOUNT ISN'T MINE AND I WASN'T EVEN IN THE. COUNTRY WHEN THIS LOAN TOOK PLACE. I HAVE TALKED TO XXXX  XXXX XXXX SEVERAL TIMES AND THEY STATED THIS ACCOUNT WILL NEVER BE REPORTED ON MY CREDIT FILE DUE TO ITS NOTED AS FRAUD BUT SOMEHOW ITS KEEPS GETTING UNBLOCKED AND EQUIFAX IS ALLOWING IT. NOW XXXX XXXX XXXX IS CALLING MY HOME LOAN IN DUE TO THIS CHARGE OFF THAT ISN'T MINE. I HAVE SPOKE WITH ATTORNEYS CONCERNING THIS MATTER WITH XXXX  AND EQUIFAX AND THEY WANT TO FILE CHARGES WITH THE LOCAL AND FEDERAL COURTS AND GET BOTH EQUIFAX AND XXXX  THERE TO EXPLAIN THE FALSE REPORTING THATS LEADING TO FINANCIAL RUINS. ON THE POLICE REPORT IT STATES I WAS EVEN IN THE XXXX WHEN THESE LOAN AND OTHER FRAUD LOANS TOOK PLACE AND POLICE REPORT SHOWING ITS FRAUD AND FTC IDENTITY THEFT REPORT. I NEED THIS FRAUD ACCOUNT REMOVE FROM MY TRADE LINE ASAP OR I WILL HAVE NO CHOICE TO FILE LEGAL ACTIONS. XXXX DID SAY THEY HAVE A AUTOMATIC SYSTEM THAT AUTOMATICALLY ASK FOR IT TO BE UNBLOCKED AND AUTOMATICALLY UPDATES IT TO THE TRADE LINES. NOW THATS SHOWS ME THAT EQUIFAX ISN'T DOING THERE JOB AND ALLOWING BANKS TO DO FINANCIAL RUNIS ON PEOPLE. THATS WHAT GOT EQUIFAX IN TROUBLE LAST TIME WITH THE CFPB AND FTC. I NEED HELP SO PLEASE REMOVE IT PLEASE FRAUD. THE ADDRESS THATS LINKED TO THIS ACCOUNT IN CHAROLETTE NC IS FRAUD AS WELL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: 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 non-monetary relief
Consumer complaint received 2025-03-26 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
There has been a national breech of individuals that has obtained my personal information without authorization from congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Reporting Violation of 15 U.S.C. Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report regarding the account listed under XXXX XXXX XXXX. This account is being reported in a manner that is both erroneous and damaging, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).

The reported late payments and status updates on this account are inaccurate, unverifiable, and misleading. Under the FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information they report. Since this account has been closed and paid, there is no lawful reason for continued derogatory reporting. Furthermore, the failure to properly verify and correct this inaccurate information violates my consumer rights.

I demand the immediate removal of this account from my credit file within 30 days, per 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion of any unverified, incomplete, or inaccurate items. If Experian fails to comply, I will have no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action against all responsible parties for willful noncompliance under 15 U.S.C. 1681n. 

I'm Requesting this information in my investigation. 
XXXX Who did Experian interview regarding this account? 

XXXX. How did you come to this determination? 

XXXX What number did you call? 

XXXX. Provide a detailed explanation of the investigation process and include supporting evidence to validate the information in question. 

XXXX.Send me an updated copy of my credit report that reflects any changes made. 

Attached, you will find a copy of my credit report with the disputed account highlighted. Additionally, I am enclosing copies of supporting documents to prove my claim. I expect written confirmation once the deletion has been processed. 

Failure to act within the legally mandated time frame will leave me with no option but to seek damages for defamation and reckless reporting under 15 U.S.C. 1681o. I strongly advise you to comply promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 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:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : 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