vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. 

EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION AN ACCOUNT HAS BEEN REMOVED FROM TRANSUNION AND STILL BEING REPORTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AR

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IN

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 explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: MI

Complaint narrative:
They're looking for XXXX XXXX who I am not. I've had the same name number for well over a decade. I have told this company as well as every other since I have had this phone number that I am not XXXX XXXX nor do I know her beyond being harassed with these type of phone calls on her behest. Here is one of the phone numbers last 42 call logs below. I have multiple phone numbers calling me this would be easier if I could attach screen shots. 

Medicredit inc. XXXX XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX am XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted disputes pertaining to incorrect public information that is being reported on my credit file. I asked Experian to investigate my dispute of XXXX bankruptcies that are on my credit file, while providing them with documentation from the Bankruptcy court that clearly states that they do not furnish information to XXXX or credit reporting agencies. Since they do not furnish information to XXXX about my bankruptcy, there is no way for Experian to verify the accuracy of the bankruptcy. I asked for deletion of each bankruptcy per this reason, as required by law. I also requested proof from Experian that they accurately investigated my dispute. I received nothing. Experian deleted only XXXX bankruptcy and the other XXXX remain. Im requesting an accurate investigation from Experian as required by 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint concerning the debt collection and credit reporting practices of XXXX XXXX XXXX and Discover. The details of my complaint are as follows : Account Details : Original Creditor : Discover Collection Agency : XXXX XXXX XXXX On XX/XX/year>, I was informed that my Discover account had been assigned to XXXX XXXX XXXX for collection. I have attempted to negotiate a resolution ; however, I have encountered the following issues : XXXX XXXX XXXX has declined to provide written confirmation that Discover will not report an outstanding balance to my credit report upon payment. 

Despite my efforts to seek clarification from both parties, I have not received assurances regarding the accurate reporting of my account status post-payment. 


Desired Resolution : I request that : Discover and XXXX XXXX XXXX provide written confirmation detailing how my account will be reported to credit bureaus upon settlement. 

Any negative or inaccurate information related to this debt be corrected or removed from my credit reports. 


Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called the Bankruptcy court to ask if they reported a Bankruptcy in my name they advisd " That the court has no contract with the credit reporting companies '' they do NOT report information at all. 
So the Bankruptcy on my report was placed there without permissible use. 
am writing to formally request the immediate deletion of a bankruptcy filing that has been posted to my credit report by your agency. This filing was recently listed, but I have been advised they do not submit any such filings to credit reporting agencies. As such, the inclusion of this information on my report is a direct violation of my privacy rights and does not reflect accurate information as mandated by law. 

According to the Fair Credit Reporting Act ( FCRA ), all information reported by credit bureaus must be accurate and verifiable. The failure of your agency to remove this inaccurate information violates my rights under both the FCRA and privacy laws that protect against the unlawful disclosure of personal data. I do not live in GA i live in PA I was at work the day and time the alledged document was filed it was NOT me. 

Relevant Legal Citations : Fair Credit Reporting Act ( FCRA ) - Section 1681i, which mandates that credit reporting agencies correct or delete inaccurate information promptly. 
Privacy Protection- As per the Privacy Act of 1974, information regarding personal legal proceedings, including bankruptcy filings, must not be disclosed unless authorized by law or the individual. 
Therefore, I request that you immediately remove this bankruptcy filing from my credit report, as it does not meet the legal standards for reporting and violates my privacy rights. Additionally, I ask that you provide written confirmation of this 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the Bankruptcy court to ask if they reported a Bankruptcy in my name they advisd " That the court has no contract with the credit reporting companies '' they do NOT report information at all. 
So the Bankruptcy on my report was placed there without permissible use. 
am writing to formally request the immediate deletion of a bankruptcy filing that has been posted to my credit report by your agency. This filing was recently listed, but I have been advised they do not submit any such filings to credit reporting agencies. As such, the inclusion of this information on my report is a direct violation of my privacy rights and does not reflect accurate information as mandated by law. 

According to the Fair Credit Reporting Act ( FCRA ), all information reported by credit bureaus must be accurate and verifiable. The failure of your agency to remove this inaccurate information violates my rights under both the FCRA and privacy laws that protect against the unlawful disclosure of personal data. I do not live in GA i live in PA I was at work the day and time the alledged document was filed it was NOT me. 

Relevant Legal Citations : Fair Credit Reporting Act ( FCRA ) - Section 1681i, which mandates that credit reporting agencies correct or delete inaccurate information promptly. 
Privacy Protection- As per the Privacy Act of 1974, information regarding personal legal proceedings, including bankruptcy filings, must not be disclosed unless authorized by law or the individual. 
Therefore, I request that you immediately remove this bankruptcy filing from my credit report, as it does not meet the legal standards for reporting and violates my privacy rights. Additionally, I ask that you provide written confirmation of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
XXXX finance amount XXXX should have been off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>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 explanation
Consumer complaint received 2025-03-10 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: IN

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