vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-12 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 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 explanation
Consumer complaint received 2025-03-12 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 XXXX ( XXXX  ) XXXX 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Requested security freeze for my XXXX minor children one month ago with EXPERIAN in XXXX by mail. Submitted all necessary documents. Have not received any information about the status of the freeze by email or mail on any of my children. Unable to contact EXPERIAN by phone or email. When calling - no option to speak to live person.

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 2025-03-12 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: NY

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 
The specific account ( XXXX ) in question include : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX This information does not belong to me and appears to result from identity theft or an error in reporting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt 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 2025-03-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I discovered this account on being reported on my credit reports from XXXX XXXX and XXXX. I sent dispute letters to all credit bureaus, in response XXXX and XXXX both deleted this credit card from my credit report yet XXXX validated. Due to validation I called Citibank several times and was repeated informed that there was no credit card found under my name or my ssn. I disputed this again to XXXX and it continues to be reported to my credit report. This account is being reported on my XXXX credit report as CBNA balance {$960.00} partial account number XXXX showing being opened in XX/XX/XXXX, XXXX Credit limite of {$1000.00}. I do not have any recollection of ever opening this account, even citibank doesn't have this information in their system under my name. Attached is my last credit report, its on page 4

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
At XXXX XXXX  on XXXX I received a phone call from XXXX. On my called ID on my phone it registered unknown name. I did not get to the phone in time to answer. 13 minutes later when I called the number back the lady on the phone did not identify herself or did not say what company she was with. She asked my name and I told her who I was and ask her twice what the personal business matter was. She would not tell me until she could confirm she was talking to the right person. I told her who I was but she never told me what the business matter was. When I typed the number in to check to see who was calling me it popped up as Midland Credit Management a debt collection agency. According to collection laws a company when they call the name of the company must pop up along with the number. They are also required to identify themselves and the company they work for and what they are calling about. None of these were done. All I know it was a female that called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My data was leaked from that data breach on my XXXX XXXX XXXX XXXX XXXX XXXX used online and added to accounts and used. Please help me

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 2025-03-12 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: AR

Complaint narrative:
My data was leaked from that data breach on my XXXX XXXX XXXX XXXX XXXX XXXX used online and added to accounts and used. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I mailed in receipts on XX/XX/XXXX of items on my credit report that needed to get removed. I reached out to the company twice about this. All the balance are at XXXX and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I mailed in receipts on XX/XX/XXXX of items on my credit report that needed to get removed. I reached out to the company twice about this. All the balance are at XXXX and should have been removed.

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 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-12 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, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this dispute regarding the inaccurate reporting of late payments by Experian for XXXX XXXX XXXX ( XXXX ). Despite my previous dispute, Experian continues to report XXXX0-day, 60-day and 90-day late payments, while other credit bureaus are not reporting this account at all. This inconsistency raises serious concerns about the accuracy and reliability of Experians reporting, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, consumer reports may only be furnished with a permissible purpose, and the inaccurate reporting of this account suggests Experian has not properly verified its legitimacy. Furthermore, per 15 U.S.C. 1681e ( b ), Experian is required to ensure maximum possible accuracy in its reports, yet the continued reporting of unverifiable late payments contradicts this requirement. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that inaccurate, incomplete, or unverifiable information be corrected or deleted, which Experian has failed to do. If Experian chooses to report this account, it must be accurate and compliant with the FCRA. I have already filed complaints with the FTC regarding this issue Experian may also be held liable under 15 U.S.C. 1681n for willful noncompliance, which includes statutory damages, attorney fees, and potential punitive damages. I demand that Experian immediately update this account to reflect PAID AS AGREED NEVER LATE or permanently delete the late payments. Failure to comply will not be ignored, and I expect a written confirmation of the correction or deletion without further delay.

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 2025-03-12 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 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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practice which violate the customer financial protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent Credit Card Account Reporting To Whom It May Concern, I am filing a formal complaint regarding a fraudulent credit card account that continues to appear on my XXXX, XXXX, and Equifax XXXX reports despite previous disputes and removals. 

Fraudulent Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed ( but still negatively impacting my credit report ) I previously disputed this account, and it was supposed to be removed in XXXX and again in XXXX. However, despite these prior corrections, the account remains on my credit report, continuing to cause financial harm. 

Additionally, my personal data was compromised in the XXXX Equifax data breach, which has led to ongoing financial security issues. My bank account has also been affected, further demonstrating the impact of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate and unverifiable information that remains on my credit report, despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to delete or correct incomplete, inaccurate, or unverifiable information in a timely manner. 
The following items were previously disputed and should have been permanently removed, yet they still appear on my report XXXX XXXX  XXXX Account was opened fraudulent XXXX XXXX XXXX Account was opened fraudulently XXXX XXXX XXXX  Account was paid in full XXXX. XXXX Account was opened fraudulently Because of your continued failure to remove these items, I have been denied credit cards and loans, which has caused me financial harm. According to FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are also responsible for ensuring that only accurate data is reported. 
Final Notice & Legal Warning I am giving you five ( 5 ) days from the date of receipt of this letter to permanently remove these erroneous items. If they are not removed, I will have no choice but to pursue legal damages under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), which allow for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. I may also file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Please provide written confirmation that the items have been permanently removed. Failure to comply will result in immediate legal action. 

enclosures : State Id, Social security card, and bank statement to verify address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I applied for public service loan forgiveness in XXXX ; I have been making student loan payments for more than 30 years and recently retired from XXXX. Approximately 60 of my payments are not considered eligible due to different reasons. I have 90 approved payments towards 120 that are required to forgive {$90000.00} in student loan debt. I have called Mohela and the department of education multiple times over the last two years and have been on hold for hours and have not been able to resolve this issue on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC
State: TX

Complaint narrative:
I found 3 judgements on my public record by XXXX XXXX XXXX XXXX. The judgements were from XXXX. I have called the court house for the information and was given the name of XXXX XXXX XXXX XXXX XXXX XXXX sent this account back to XXXX XXXX, XXXX in XXXX. I called XXXX XXXX XXXX XXXX and was told they sold that account to Investinet. I received no help. I have been given the run around as no one has this account due to it being past the statue of limitations. These judgements do not belong to me. I was not served or had the judgement made against me. I need these to be removed off my public record as XXXX XXXX is reporting false information. I have reach out XXXX XXXX and provided my FTC report # XXXX for Identity theft. Please remove judgements Filing # XXXX for {$2300.00}, XXXX for {$1700.00}, and XXXX for {$4700.00} off my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I am writing to demand the immediate and irreversible removal of a fraudulent bankruptcy public record currently listed on my file. This bankruptcy is not mine, and I have never filed for bankruptcy nor authorized any such action to be taken on my behalf. This fraudulent entry represents a serious case of identity theft or an egregious clerical error. 

Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX XXXX Reference number : XXXX This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I will not tolerate any delays in correcting this matter. I have been unjustly and illegally harmed by this inaccuracy, and I expect this issue to be resolved with the highest priority. 

Dema

nds : Immediate removal of the fraudulent bankruptcy record from all credit reports and public records associated with my name. A formal written response confirming the removal, including a detailed explanation of the investigation process and the actions you have taken. Complete verification that this fraudulent entry will not reappear on my file, or that you will provide evidence supporting the legitimacy of this entry. You are legally obligated to investigate this matter thoroughly and remove any information that can not be verified or is inaccurate. If you fail to remove this fraudulent entry within the 30-day investigation period, I will not hesita
te to take further action, which includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and pursuing legal action to recover damages caused by your failure to rectify this error.

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 2025-03-12 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: AR

Complaint narrative:
My data was leaked from that data breach on my XXXX XXXX XXXX XXXX XXXX XXXX used online and added to accounts and used. Please help me

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