vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
There's a credit card debt on my account that i have never used before i have never used any credit card before and someone opened a XXXX XXXX XXXXXXXX a XXXX XXXX an XXXX XXXX XXXX XXXX  and a XXXX XXXX they maxed out all the cards paid off some of it and then got the credit increases im assuming and then let it roll over on to me i personally havent used credit cards but recently i went to go see what i could qualify for and with a little investigatonn i noticed i had these negative marks

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
On XX/XX/year>, I disputed inaccurate credit reporting with Experian, Equifax, TransUnion, XXXX, and XXXX, providing documented proof of identity ( including my government-issued ID and utility bill ) to validate my claims. Despite this, none of these agencies have resolved the disputes within the 30-day timeframe required by the FCRA. Instead, they continue to send unjustified requests for identity verification, disregarding prior submissions. This failure to comply with federal law has caused ongoing harm to my creditworthiness and constitutes willful negligence. Attached is evidence of my repeated efforts to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
On XX/XX/year>, I disputed inaccurate credit reporting with Experian, Equifax, TransUnion, XXXX, and XXXX, providing documented proof of identity ( including my government-issued ID and utility bill ) to validate my claims. Despite this, none of these agencies have resolved the disputes within the 30-day timeframe required by the FCRA. Instead, they continue to send unjustified requests for identity verification, disregarding prior submissions. This failure to comply with federal law has caused ongoing harm to my creditworthiness and constitutes willful negligence. Attached is evidence of my repeated efforts to resolve 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 2025-04-09 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: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX Account # : EX/TU : XXXX EQ : XXXX Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation 3. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE

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 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I began requesting a copy of the original signed loan agreement for a loan issued by M & T Bank. I spoke with multiple representatives, including XXXX XXXX, who confirmed that no signed documentation could be located. 

On XX/XX/XXXX, I submitted a formal written demand for the original loan agreement. On XX/XX/XXXX, a representative named XXXX XXXX confirmed in writing that M & T Bank could not locate any original loan documents. Despite this, the bank continues to collect payments, charge interest, and treat the loan as enforceable. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent follow-up emails and left voicemail messages for XXXX XXXX XXXX XXXX Office of the President. She initially responded saying the matter was being forwarded internally, but I received no follow-up communication. I have received no explanation, no resolution, and no acknowledgment that the documentation is missing. 

This situation raises serious concerns under federal lending laws. M & T Bank has failed to provide a signed agreement with the terms of the loan. They are actively collecting payments and charging interest on a loan that lacks any enforceable documentation. I have been left with no information regarding the terms, interest rate, or even who signed for the loan. 

I am requesting immediate intervention to : Cease collection activity and stop accruing interest on the loan Issue a full refund of all payments made to date Provide written confirmation that the loan has been dissolved Confirm that no adverse reporting will be sent to credit bureaus This ongoing lack of transparency, failure to respond, and refusal to provide required documents appears to be a violation of the Truth in Lending Act ( TILA ), Regulation Z, and ECOA recordkeeping laws.

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 2025-04-09 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:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-09 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: GA

Complaint narrative:
Company refuses to remove inaccuracies from my report. Constantly asking for me to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
No response to debt validation request. 
Date : XX/XX/year> RE : Formal Debt Validation and Cease and Desist Request under FDCPA Account ( s ) : National Credit Systems Account : XXXX Alleged Creditor : The XXXX XXXX  To Whom It May Concern : This letter serves as a formal request for complete debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
I am requesting that you cease all collection activities and provide the following documents within 30 days of receipt of this letter : REQUIRED DOCUMENTS FOR VALIDATION : Complete Chain of Custody : Documentation identifying the full chain of assignment from the original creditor to your agency, including all dates of transfer and authorization to collect.

Itemized Statement of the Debt : A complete and itemized breakdown of the alleged debt, including all charges, payments, interest, and fees assessed.

Original Creditor Contract : A copy of the original agreement or contract bearing my signature that legally binds me to this alleged debt.

Proof of Authorization to Collect : Documentation proving your legal standing and written authorization to collect on this debt in my state ( Texas ).

Debt Collectors License : A copy of your current and valid Texas debt collection license, issued by the Texas Office of Consumer Credit Commissioner ( OCCC ).

Proof of No Insurance Claim Filed : Confirmation that no insurance claim was filed and reimbursed on this account, which would nullify my obligation.

IRS 1099-C Disclosure ( if applicable ) : If this debt has been charged off, please provide proof including IRS 1099-C cancellation of debt form ( s ).

Credit Reporting Authorization : Proof of my written authorization allowing your agency to report any information to any Credit Reporting Agency ( CRA ).

CEASE AND DESIST NOTICE : Effective immediately, I am exercising my rights under the FDCPA 15 U.S.C. 1692c ( c ) by demanding that you : Cease all communication with me, my family, or my employer. 
Remove any and all accounts from XXXX, XXXX, XXXX, and XXXX that relate to these alleged debts. 
Refrain from any further attempts to contact or collect unless full validation is provided and the debt is legally proven to be mine.

Failure to comply with these demands may result in legal action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and potential civil litigation. 
Please send all requested information in writing to the mailing address listed above. This is a formal dispute of the alleged debts and request for validation. Any attempt to collect without proper validation is a direct violation of federal law. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM 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 explanation
Consumer complaint received 2025-04-09 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: OH

Complaint narrative:
Why my last year student loan balance {$0.00} to this year pop old balance while last year student loan was forgiven fully with {$0.00} balance? Why this happened I need full investigation of my case. Thanks! XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  experience an error in processing in XXXX  regarding my account. I opened a case here on this site and they graciously fixed the error and sent a letter stating they would delete the 30-day late mark for XXXX of XXXX. XXXX did in fact delete the " 30 day '' late mark. 

I have since paid off the loan and they reported the loan as " paid ''. They also reported the XX/XX/year> payment AGAIN as " 30 days '' late when that is not the case and this was already resolved. I have attempted to call them and have been unsuccessful in getting help. I have attached the investigation letter from XXXX. 

For the past case reference CFPB CASE # 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 2025-04-09 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: MO

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 2025-04-09 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
DOGE improperly accessed my private information. Per FCRA 611 ( a ) ( 1 ) ( a ), I have the right to have my private data remain private, as I did not give DOGE authorization to access my student loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice. Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute. Your failure to comply with these clear legal obligations will result in immediate escalation. I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.

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 2025-04-09 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:
I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice. Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute. Your failure to comply with these clear legal obligations will result in immediate escalation. I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.

Company response to consumer: Closed with non-monetary relief