vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am continuing to experience the effects of identity theft on my TransUnion credit report. Despite submitting a previous dispute through the CFPB, several fraudulent accounts and inquiries remain on my file and continue to hurt my credit score. 

The following unauthorized accounts are still listed on my TransUnion report : 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 XXXXXX/XX/XXXX These accounts were not opened by me and were already reported and disputed as part of a previous identity theft case. I have submitted an FTC Identity Theft Report ( # XXXX ) and provided evidence. Still, these items remain on my report without resolution. 

Additionally, the following unauthorized hard inquiries also continue to show as pending on my TransUnion file, even though they were included in my original dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I did not apply for any credit with these companies. They were part of my previous dispute, but TransUnion has not removed them.

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 2025-04-03 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: NY

Complaint narrative:
The credit bureaus are reporting incorrect information of the student loans that are on my profile, I will upload a copy of the data showing the two incorrect account numbers that they are reporting, because of that I am requesting for this information to be removed as soon as possible.

I have the Right to Dispute Inaccuracies ( 15 U.S.C. 1681i )

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 2025-04-03 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: TN

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 2025-04-03 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: NY

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a 30-day late payment from XX/XX/year> on my credit report for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I mailed a written dispute to the creditor at their listed address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), but the letter was returned by the U.S. Postal Service as undeliverable. This indicates the creditor is unreachable and therefore unable to verify the late payment.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies must delete information that can not be verified during an investigation. Experian has failed to remove this unverifiable negative item despite the fact that the creditor can not be contacted. 

I am requesting that Experian immediately remove the 30-day late payment from XX/XX/year>, as it is unverifiable and should not remain on my report. Continued reporting of unverifiable information is also a potential violation of the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 ).

I am attaching documentation including a copy of the returned mail as evidence.

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 2025-04-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting a previously deleted account into my credit file without providing the required notice or verification. The account in question is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which was initially reported in XX/XX/year> and subsequently deleted in XX/XX/year> following a successful dispute. I recently discovered that this account has been reinserted into my Equifax credit report without my knowledge or any written notification after I reviewed my recent credit report.

This action constitutes a clear violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me in writing within five business days of reinserting previously deleted information, this did not occur. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), any reinserted information must be verified by new and credible documentation from the furnisher, which has not been provided. Under 15 U.S.C. 1681e ( b ), Equifax is obligated to ensure the maximum possible accuracy of all reported information. Allowing a previously disputed and deleted account to reappear without verification is a direct violation of this requirement. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and require Equifax to immediately remove the reinserted account from my credit file, provide all documentation used to justify the reinsertion, and send written confirmation along with an updated credit report. I also urge the CFPB to investigate Equifaxs practices in this matter and take any appropriate enforcement action for noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: HI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
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 non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
On XX/XX/year> I called XXXX XXXX to see why there was a hard inquiry to my my credit report on XXXX XXXX XXXX was given to Representative XXXX # XXXX and proceeded to ask why was a hard query placed on my report and she exlained explained that the XXXX  XXXX credit specialist reviewed my info and that I had to file a report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XXXX/XXXX/2025

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 2025-04-03 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: PA

Complaint narrative:
XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
My student loans were forgiven in XX/XX/year>. I have all required documentation that shows these loans have a XXXX balance. They are being reported on my credit report as past due. I have now filed for disputes with XXXX XXXX and MOHELA. This has been going on now for more than a year and a half. I have spent upwards of 20 hours trying to get my credit report corrected. MOHELA continues to report incorrect information despite four times I have disputed this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My replacement debit card from Truist was stolen and never arrived in my possession, yet it was fraudulently activated and used to make purchases at a location where I was not present. My bank denied my claim on the basis that the transaction was a point-of-sale ( POS ) purchase requiring a PIN and/or signature. However, this does not change the fact that the card was stolen and used without my consent. It is extremely concerning that, even that I suggested to acquire a official documentation proving I was a victim of fraud, my claim will remain denied and the stolen funds will not be reimbursed. I've requested a thorough review of this matter and an explanation of why Truist is refusing to honor its fraud protection policies in this case but I was basically told that no matter what I do, my claim will be forever denied. The bank is Truist, the amount stolen was {$510.00}, the location of the purchase was XXXX XXXX XXXX and the claim number is XXXX. Date of transaction XX/XX/year>.

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 monetary relief
Consumer complaint received 2025-04-03 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:
Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report shouldn't include info solely about transactions/experiences between us. Late payments negatively impact my report and are part of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report shouldn't include info solely about transactions/experiences between us. Late payments negatively impact my report and are part of that.

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 2025-04-03 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. This bankruptcy was incorrectly reported using an unreliable public database, rather than directly from the legitimate and authorized furnisher, the XXXX Bankruptcy XXXX XXXX XXXX. 

I want to bring to your immediate attention that the XXXX Bankruptcy XXXX XXXX XXXX has explicitly stated that they do not report to the credit bureaus. Therefore, TransUnion and Equifax credit bureaus use of an inaccurate third parties, such as XXXX XXXX and other third parties who use public databases to report this bankruptcy is both incorrect and unlawful under the Fair Credit Reporting Act. The court has confirmed that the information you are relying on is unverifiable, rendering the bankruptcy entry invalid. 

Furthermore, I would like to point out that XXXX credit bureau has already removed this inaccurate bankruptcy entry from my credit report due to its inability to verify the information with the XXXX Bankruptcy XXXX XXXX XXXX. Given that the other major credit bureau, XXXX, has taken appropriate action and removed this entry, I demand that TransUnion and Equifax immediately remove this erroneous bankruptcy from my credit report as well. 

This incorrect reporting is damaging my creditworthiness and is in direct violation of the requirements for accurate reporting under the Fair Credit Reporting Act. I expect the prompt removal of this bankruptcy entry from my credit file, and I demand a confirmation in writing that this has been done within the time frame required by law. 

Failure to take corrective action will leave me no choice but to pursue legal remedies, seeking further legal action for defamation and damage to my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. This bankruptcy was incorrectly reported using an unreliable public database, rather than directly from the legitimate and authorized furnisher, the XXXX Bankruptcy XXXX XXXX XXXX. 

I want to bring to your immediate attention that the XXXX Bankruptcy XXXX XXXX XXXX has explicitly stated that they do not report to the credit bureaus. Therefore, TransUnion and Equifax credit bureaus use of an inaccurate third parties, such as XXXX XXXX and other third parties who use public databases to report this bankruptcy is both incorrect and unlawful under the Fair Credit Reporting Act. The court has confirmed that the information you are relying on is unverifiable, rendering the bankruptcy entry invalid. 

Furthermore, I would like to point out that XXXX credit bureau has already removed this inaccurate bankruptcy entry from my credit report due to its inability to verify the information with the XXXX Bankruptcy XXXX XXXX XXXX. Given that the other major credit bureau, XXXX, has taken appropriate action and removed this entry, I demand that TransUnion and Equifax immediately remove this erroneous bankruptcy from my credit report as well. 

This incorrect reporting is damaging my creditworthiness and is in direct violation of the requirements for accurate reporting under the Fair Credit Reporting Act. I expect the prompt removal of this bankruptcy entry from my credit file, and I demand a confirmation in writing that this has been done within the time frame required by law. 

Failure to take corrective action will leave me no choice but to pursue legal remedies, seeking further legal action for defamation and damage to my credit reputation.

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 2025-04-03 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 writing to formally dispute the inaccuracies in my credit report and request a thorough investigation into the matter. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the accuracy of the information contained in their credit reports. Upon reviewing my credit report, I have identified the following accounts that are not 100 % correct. These inaccuracies have caused me significant distress and potential financial harm. I demand that these accounts be investigated promptly and corrected as necessary. Please provide me with a written statement of the results of your investigation and a copy of my updated credit report. I have enclosed copies of relevant documents supporting my position, including [ list any documents such as account statements, letters from creditors, etc. ]. Please review these documents as part of your investigation. If the investigation finds that the information is indeed inaccurate, I request that these errors be rectified immediately and that all necessary parties be informed of the corrections. As stipulated by the FCRA, I am entitled to recover actual damages, statutory damages, and attorney 's fees if I suffer damages as a result of a violation. Therefore, I expect this matter to be handled with the utmost urgency and accuracy to avoid further complications. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.

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 2025-04-03 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:
I am writing to formally dispute the inaccuracies in my credit report and request a thorough investigation into the matter. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the accuracy of the information contained in their credit reports. Upon reviewing my credit report, I have identified the following accounts that are not 100 % correct. These inaccuracies have caused me significant distress and potential financial harm. I demand that these accounts be investigated promptly and corrected as necessary. Please provide me with a written statement of the results of your investigation and a copy of my updated credit report. I have enclosed copies of relevant documents supporting my position, including [ list any documents such as account statements, letters from creditors, etc. ]. Please review these documents as part of your investigation. If the investigation finds that the information is indeed inaccurate, I request that these errors be rectified immediately and that all necessary parties be informed of the corrections. As stipulated by the FCRA, I am entitled to recover actual damages, statutory damages, and attorney 's fees if I suffer damages as a result of a violation. Therefore, I expect this matter to be handled with the utmost urgency and accuracy to avoid further complications. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I contacted every creditor and notified them of bankruptcy filing, i noticed my XXXX credit card was not reporting as included in bankruptcy filing. I called they stated it would be updated it was not updated, i submitted a dispute with TransUnion and transunion said the company indicated that was wrong. This card is included in my bankruptcy filing and should reflect as such not reflecting a delinquent balance.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I contacted every creditor and notified them of bankruptcy filing, i noticed my PayPal credit card was not reporting as included in bankruptcy filing. I called they stated it would be updated it was not updated, i submitted a dispute with XXXX and XXXX said the company indicated that was wrong. This card is included in my bankruptcy filing and should reflect as such not reflecting a delinquent balance.

Company response to consumer: Closed with explanation