vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX XXXX, Applied bank Account # XXXX date opened XX/XX/XXXX bal. {$590.00}, first premier bank Account # XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$470.00}, self XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$110.00}, possible finance incAccount # : XXXX date opened XX/XX/XXXX bal. {$110.00}, personify Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a Citi AAdvantage credit card sponsored by XXXX XXXX in the mail on XX/XX/year> without applying for one. I called customer service on XX/XX/year> who transferred me to accounting. Accounting rep said they would investigate, but asked me to verify the information they already had, which made me uncomfortable. When I expressed my concern about how they were able to illegally poach all of my personal information and send me a credit card without my knowledge or consent, they became testy. The rep finally said he would investigate the fraud, cancel the card, and send a letter to me with the outcome. I don't want this to happen to someone else victimized by a company fraudulently filling out an application with all of our personal information without our knowledge.

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 2025-04-02 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: GA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-02 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: PA

Complaint narrative:
15 usc 1692c ( c ) that law clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Reference Number - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Reference Number - XXXX. Both People keep sending emails reaching out!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
The late payments reported on my credit report are in violation of the CARE ACT.

U.S. Department of Education Subject : Formal Dispute of Inaccurate Late Payments in Violation of the CARES Act Dear U.S. Department of Education, I am writing to formally dispute the late payment entries that have been reported on my credit file regarding my federal student loan ( s ). These late payments are inaccurate and violate the protections outlined in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. 116-136.

Under the CARES Act, Section 3513, all federally held student loans were placed in administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX ( with extensions thereafter ). During this period : Loan payments were suspended. 
Interest rates were set to 0 %. 
No borrower should have been reported as delinquent or late to the credit bureaus. 

However, my credit report reflects the following inaccurate late payment entries : Because my loan ( s ) were covered under the CARES Act protections, these late payments should not have been reported. I request that you immediately correct this error and instruct all relevant credit reporting agencies to remove these incorrect late payments from my credit file.

To support my claim, I have enclosed copies of my loan statements, account history, and any relevant correspondence with my loan servicer confirming my eligibility for CARES Act protections.

If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore any legal remedies available to enforce my rights.

Please confirm in writing that these errors have been corrected and provide documentation verifying the updates to my credit report. I appreciate your immediate attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
The late payments reported on my credit report are in violation of the CARE ACT.

U.S. Department of Education Subject : Formal Dispute of Inaccurate Late Payments in Violation of the CARES Act Dear U.S. Department of Education, I am writing to formally dispute the late payment entries that have been reported on my credit file regarding my federal student loan ( s ). These late payments are inaccurate and violate the protections outlined in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. 116-136. 

Under the CARES Act, Section 3513, all federally held student loans were placed in administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX ( with extensions thereafter ). During this period : Loan payments were suspended. 
Interest rates were set to 0 %. 
No borrower should have been reported as delinquent or late to the credit bureaus. 

However, my credit report reflects the following inaccurate late payment entries : Because my loan ( s ) were covered under the CARES Act protections, these late payments should not have been reported. I request that you immediately correct this error and instruct all relevant credit reporting agencies to remove these incorrect late payments from my credit file.

To support my claim, I have enclosed copies of my loan statements, account history, and any relevant correspondence with my loan servicer confirming my eligibility for CARES Act protections.

If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore any legal remedies available to enforce my rights. 

Please confirm in writing that these errors have been corrected and provide documentation verifying the updates to my credit report. I appreciate your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
The late payments reported on my credit report are in violation of the CARE ACT.

U.S. Department of Education Subject : Formal Dispute of Inaccurate Late Payments in Violation of the CARES Act Dear U.S. Department of Education, I am writing to formally dispute the late payment entries that have been reported on my credit file regarding my federal student loan ( s ). These late payments are inaccurate and violate the protections outlined in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. 116-136.

Under the CARES Act, Section 3513, all federally held student loans were placed in administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX ( with extensions thereafter ). During this period : Loan payments were suspended. 
Interest rates were set to 0 %. 
No borrower should have been reported as delinquent or late to the credit bureaus.

However, my credit report reflects the following inaccurate late payment entries : Because my loan ( s ) were covered under the CARES Act protections, these late payments should not have been reported. I request that you immediately correct this error and instruct all relevant credit reporting agencies to remove these incorrect late payments from my credit file. 

To support my claim, I have enclosed copies of my loan statements, account history, and any relevant correspondence with my loan servicer confirming my eligibility for CARES Act protections.

If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore any legal remedies available to enforce my rights. 

Please confirm in writing that these errors have been corrected and provide documentation verifying the updates to my credit report. I appreciate your immediate attention to this urgent 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: SC

Complaint narrative:
I sent an email requesting information that this debt belongs to me and that I owe them and asked if they could verify this information. I sent the email on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-02 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
i have no knowledge of this account. i gave no one permission or consent to open any accounts. Please remove all of these accounts 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 explanation
Consumer complaint received 2025-04-02 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: IN

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$550.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$500.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$420.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$550.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$500.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$420.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

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 2025-04-02 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: AZ

Complaint narrative:
I DO NOT RECOGNIZED THE ADDRESSES ON MY CREDIT REPORT, PLEASE REMOVE THEM IMMEDIATELY. THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ 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 2025-04-02 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: IN

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 explanation