vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-07 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: GA

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
They closed my account months ago and I called them XXXX  times and still havent received the leftover money in my account. So they close my account and give me all of the money I left in the closed account? I disputed a charge in my checking account and had money from that. I also had money in my investment account and havent received that. 

Both accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
Follow-Up to CFPB Complaint # XXXX Experian FCRA Violations This is a formal follow-up regarding Experians ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611. On XX/XX/XXXX, I submitted a dispute with all required documentation, including an FTC Identity Theft Affidavit, proof of identity, address, and evidence of a related data breach. Despite this, Experian failed to block the fraudulent items within four business days, as required by 605B, and instead verified the accounts without disclosing verification sources, violating 611. 

The disputed accounts include : A credit card opened at XXXX XXXX XXXX on XX/XX/XXXX ( Account # XXXX ) An auto loan opened at XXXX on XX/XX/XXXX ( Account # XXXX ) These accounts are the result of identity theft and have caused multiple fraudulent hard inquiries and collections. I request that Experian immediately block and permanently remove these items and that all related collection activity cease, as required under the FCRA and FDCPA. Ive attached FTC Identity Theft Complaint # XXXX as supporting documentation. Experians continued failure to comply with federal law and CFPB guidance reflects a pattern of neglecting consumer rights. I urge the CFPB to take appropriate enforcement 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
This is a corrected submission for my previous complaint. Please disregard the earlier one. This version includes the missing documentation. 


TransUnion I am filing this FTC Identity Theft Affidavit to report fraudulent hard inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent items I have found are : Hard Inquiry : XXXX XXXX  XX/XX/year> and Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ) and I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, as are my rights under the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The fraudulent items I have found are : Hard Inquiry : XXXX XXXX  XX/XX/year> and Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ). I've attached a list of the negative items in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result 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 hard inquiries are the result of identity theft and fraud. And this request is not being made in 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 2025-04-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-04-07 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: DE

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 2025-04-07 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: DE

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 2025-04-07 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: FL

Complaint narrative:
This is my final attempt to dispute the inaccurate and previously deleted information that TransUnion has added back to my credit report. These XXXX  XXXX XXXX accounts were already removed after being found unverifiable, yet TransUnion chose to reinsert them without following the proper legal steps under the Fair Credit Reporting Act ( FCRA ). Ive sent multiple disputes, but TransUnion has failed to do a proper investigation, which violates 15 U.S.C. 1681i ( a ) ( 1 ), requiring a fair review within 30 days.

Until now, TransUnion has not given me any proof or explanation of how these accounts were verifiedthis goes against 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Neither XXXX nor XXXX is reporting themonly TransUnion is, which is disappointing and makes me question the accuracy of your reporting. 

Bringing back deleted accounts without giving proper notice or proof also violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which says the information must be certified as accurate and that I should be notified in writing within five business days. I never got any notice. This also breaks TransUnion 's duty to keep my report as accurate as possible under 15 U.S.C. 1681e ( b ).

Because of the damage this has caused, Im asking the CFPB to step in and take action against TransUnion for not following the law. If this isnt corrected, Ill seek damages under 15 U.S.C. 1681n and 1681o, which allow up to {$1000.00} per violation for willfully or negligently breaking the 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 2025-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Request for Deletion of Unauthorized Hard Inquiries Under the FCRA Dear XXXX Dispute Department , I am writing to formally dispute and demand the removal of several unauthorized hard inquiries that appear on my credit file with XXXX. These inquiries were not authorized by me, nor did I apply for credit or services with these institutions at the times indicated.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit inquiries must be backed by express written authorization or initiated directly by the consumer. The following inquiries violate that standard : XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX Pursuant to FCRA 604 ( a ) ( 3 ), consumer credit reports must only be accessed for permissible purposes. These inquiries lack my consent and as such, must be considered unlawful access. Furthermore, under FCRA 611 ( a ), I have the right to dispute inaccurate or unverifiable information and demand its removal. 

Please consider this a formal dispute and request for deletion of the above inquiries from my file. As mandated by the FCRA, you are required to investigate and respond within 30 days. Should these items remain without proper verification, they must be removed immediately.

Failure to comply may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), along with pursuit of any legal remedies allowed under FCRA 616 and 617, which provide for damages in cases of willful or negligent noncompliance. 

I respectfully request written confirmation of the outcome of your investigation. 

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 2025-04-07 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've never received my 1099 cancellation of debt and because of that this account is inaccurate and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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