vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-14 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: TX

Complaint narrative:
Please help me, I have attached supporting documents

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
In XX/XX/XXXX, I was served a summons and complaint from XXXX XXXX XXXX, PA. Neither document contained a case number or a date. With this information missing, I was unable to respond directly to the court. I received no further communication regarding this matter until they submitted a XXXX XXXX to my employer XX/XX/XXXX. I had no idea a case had been filed in XX/XX/XXXX and a default judgment entered on XX/XX/XXXX. Under SD state law ( 15-6-55 ( b ) ), I must be notified once the request for default judgment has been entered, giving me the ability to respond. This did not happen and because of that, a default judgment was granted and they are able to garnish my wages for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed one 30-day late payment on XXXX XXXX that is inaccurate. I have maintained on-time payments since the inception of this account as it is on autopay and do not have documentation showing that this payment was legitimately 30 days late.

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking the the record be updated to reflect accurate reporting.

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 2025-04-14 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: NC

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

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 2025-04-14 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: CA

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 2025-04-14 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-14 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My personal and financial data was Compromised, violating FERPA. I Request Full Cancellation of My Student Loan Debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I came across a job positing for the XXXX XXXX position with CitiXXXX  Per indeeds instructions I am to send my resume via this email XXXX. I attached my resume which included my name, email, phone, city and zip code. I later received a reply email from another person. The email came from from ( Hr Manager ) XXXX stating Dear Applicant, We received your application for our open job position, and we feel your background would be a good match with our company. We are in the middle of processing applications and currently have seven other applications along with yours that we are considering, so you can think of yourself on the shortlist to be hired. 

Please note that our company requires all potential employees to have a credit score on file for your interview. We ask for this because you will have access to company credit cards for business expenses. We request that each potential employee complete this as this ensures that our future employee is credible, trustworthy, and can be an asset to the company. 

Please also note that because of the new economy, we take into consideration that there may be some blemishes on a large portion of applicant scores. Rest assured that your credit scores themselves aren't significant, but our company still requires the report. 

Please complete and print your credit score by clicking : XXXXs ( Paid ) Or XXXX  ( Free {$1.00} XXXX ) You will need to bring a copy with you to your interview. This credit score costs you and is entirely secure from the most trusted credit score website online. You have to chose any one from this 2 option. We not accept any other reports.

Please complete this first step ASAP as we only have 48 hours to set up interviews. When you have completed the credit score, reply to this email, and we will set a time for virtual interview. 

I look forward to meeting you. 

Thank you XXXXXXXX XXXX XXXX XXXXXXXX The job is now nowhere to be found on indeed to report this to them or even not showing up in my applied jobs section is strange. After some further research online there are similarities to other email examples that indicate this is a scam.

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 2025-04-14 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: CA

Complaint narrative:
I am writing to formally contest the recent verification of the following accounts, which I believe is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX As stated in 15 U.S.C. 1681 ( a ), I have federally protected rights to privacy and confidentiality. Additionally, 15 U.S.C. 1681e ( a ) indicates that a consumer reporting agency can not furnish information without my written instructions. The continued reporting of these accounts without my consent is a direct violation of my rights. 
Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information that antedates the report by more than seven years. Furthermore, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ), no information should be furnished if the entity knows or has reasonable cause to believe that the information is inaccurate. 
I demand that the credit bureaus provide verifiable evidence supporting the verification of these accounts, as I maintain that the information currently reported is not accurate. If the agencies are unable to provide this evidence, I expect the removal of these entries from my credit report. 
Failure to comply with the provisions of the FCRA not only undermines my consumer rights but may also constitute legal violations. I appreciate your prompt attention to this matter and look forward to a thorough 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 non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally contest the recent verification of the following accounts, which I believe is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX As stated in 15 U.S.C. 1681 ( a ), I have federally protected rights to privacy and confidentiality. Additionally, 15 U.S.C. 1681e ( a ) indicates that a consumer reporting agency can not furnish information without my written instructions. The continued reporting of these accounts without my consent is a direct violation of my rights. 
Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information that antedates the report by more than seven years. Furthermore, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ), no information should be furnished if the entity knows or has reasonable cause to believe that the information is inaccurate. 
I demand that the credit bureaus provide verifiable evidence supporting the verification of these accounts, as I maintain that the information currently reported is not accurate. If the agencies are unable to provide this evidence, I expect the removal of these entries from my credit report. 
Failure to comply with the provisions of the FCRA not only undermines my consumer rights but may also constitute legal violations. I appreciate your prompt attention to this matter and look forward to a thorough 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 2025-04-14 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-14 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 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: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed one 30-day late payment on XXXX XXXX XXXX XXXX inaccurate. I have maintained on-time payments since the inception of this account as it is on autopay and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking the the record be updated to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-14 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: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Dear National Credit Adjusters : I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: 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 explanation
Consumer complaint received 2025-04-14 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:
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 2025-04-14 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