vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX MD XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$9700.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$11000.00} 3. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$570.00} 4. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$560.00} Inquiries Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX 7.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX XXXXe : XXXX XXXX  Amount Opened : XX/XX/XXXX 11.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 12.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 13.Account name : XXXX Amount Opened : XX/XX/XXXX 14.Account name XXXX XXXX Amount Opened : XX/XX/XXXX 15.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 16.Account name : XXXX Amount Opened : XX/XX/XXXX 17.Account name : XXXX Amount Opened : XX/XX/XXXX 18.Account name : XXXX Amount Opened : XX/XX/XXXX 19.Account name : XXXX Amount Opened : XX/XX/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 2025-04-08 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing this hard inquiry : XXXX XXXX. I did not authorize this company to access my credit report, which violates the permissible purpose rule under 15 U.S.C. 1681b. Please delete these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2025-04-08 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: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 4. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2100.00} 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2300.00} 6. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$4700.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} 9. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} 10. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} 11. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 4. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2100.00} 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2300.00} 6. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$4700.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} 9. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} 10. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} 11. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report for the attach accounts. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I have noticed that I have an account on my report that is reporting incorrectly. This is not my account & per law I have not received any information to show that this is my account & this is being reported on my credit report without my consent. This account is negatively hurting my credit. 

XXXX XXXX {$3600.00} on XXXX XXXX, 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I have noticed that I have an account on my report that is reporting incorrectly. This is not my account & per law I have not received any information to show that this is my account & this is being reported on my credit report without my consent. This account is negatively hurting my credit. 

XXXX XXXX {$3600.00} on XXXX XXXX, 2016

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 2025-04-08 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, Engelhardt V. Gravens ( 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We received your complaint. Thank you. 
I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from Experian show a significant negative hit to my credit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust. The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
they are calling number ending in XXXX, ive never opened an account in XXXX, ive been in and out of the hospital. their name keeps changing, i spoke to them about not calling me, they said they are a debt collector and they brought my debt from another company, so that means they are buying my infromation from the dark web, i guess. why are they buying my info thats why my information keeps getting breached!! how is that legal? im in and out of the hospital and they out here saying im getting arrested for them buying my SSN illegally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have attempted to dispute these charges with the credit bureaus as I do not own this amount nor are they attempting to collect the correct amount. I have requested proof that this debt is owed including dates, my signature agreeing to pay this amount and a break down with no success. This was a secure credit card which means I placed a deposit of the exact amount I was going to use, yet they have disregarded the deposit and are charging me the full amount which I do not owe.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have supplied Equifax with documentation and they continuously keep asking me to prove who I am now Im going to attach my license and then my energy bill which shows that I moved to this location just moved here stop doing this. It is uncalled for and its very, veryXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-04-08 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:
I am writing to formally dispute several derogatory items listed on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This letter also serves as a statement of harm caused by inaccurate credit reporting related to ongoing recovery from human trafficking, as protected under relevant federal statutes, including the Sex Trafficking Victims Protection Act and FCRA Section 605C.

Below are the accounts in question : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 ( 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 2025-04-08 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 ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-08 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:
I am writing to formally dispute multiple derogatory entries currently appearing on my credit report issued by your agency. The information listed below contains inaccuracies and is negatively affecting my creditworthiness. I respectfully request a reinvestigation of each of the listed accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Please note that some of these accounts were previously disputed and should not have been reinserted without proper notification, which is a violation of FCRA Section 611.

Additionally, due to Experians widely reported data breach, I have reason to believe that my information may have been compromised and potentially misused. 

Disputed Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
The XXXX XXXX XX/XX/year> and XX/XX/year>. Look at my credit without my permission. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation