vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX  Social Security Number XXXX , a resident of XXXX XXXX XXXXXXXX # 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 : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. Security Freeze Request : o 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. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verif
y my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. 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.

5. 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

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 2025-03-05 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Equifax for failing to remove an unauthorized hard inquiry from my credit report despite my written dispute. This inquiry, performed by XXXX on XX/XX/year>, I do not recognize or authorized this inquiry, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Complaint Details : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Dispute Filed With Equifax : XX/XX/year> Equifax Response XXXX ignored my dispute, refused removal, and failed to respond Legal Violations Committed by Equifax : 1. FCRA 1681b ( a ) : Equifax is reporting an inquiry that lacks permissible purpose and consumer authorization.

2. FCRA 1681c-2 : I have the right to block fraudulent or unauthorized information, which Equifax has failed to honor. 
3. FCRA 1681i ( a ) : Equifax must conduct a proper reinvestigation within 30 days, which they have failed to do.

Desired Resolution : Immediate removal of the unauthorized inquiry from my Equifax credit report.

A formal investigation into Equifaxs noncompliance with the FCRA. 
Written confirmation from Equifax acknowledging the removal of the inquiry. 
Equifax 's failure to uphold federal law has caused unnecessary harm to my credit profile. I request that the CFPB take swift action to hold Equifax accountable and ensure my rights are protected. 
Thank you for your prompt attention to this matter. Please keep me informed of any updates regarding my complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Equifax for failing to remove an unauthorized hard inquiry from my credit report despite my written dispute. This inquiry, performed by XXXX on XX/XX/year>, I do not recognize or authorized this inquiry, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Complaint Details : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Dispute Filed With Equifax : XX/XX/year> Equifax Response XXXX ignored my dispute, refused removal, and failed to respond Legal Violations Committed by Equifax : 1. FCRA 1681b ( a ) : Equifax is reporting an inquiry that lacks permissible purpose and consumer authorization.

2. FCRA 1681c-2 : I have the right to block fraudulent or unauthorized information, which Equifax has failed to honor. 
3. FCRA 1681i ( a ) : Equifax must conduct a proper reinvestigation within 30 days, which they have failed to do.

Desired Resolution : Immediate removal of the unauthorized inquiry from my Equifax credit report.

A formal investigation into Equifaxs noncompliance with the FCRA. 
Written confirmation from Equifax acknowledging the removal of the inquiry. 
Equifax 's failure to uphold federal law has caused unnecessary harm to my credit profile. I request that the CFPB take swift action to hold Equifax accountable and ensure my rights are protected. 
Thank you for your prompt attention to this matter. Please keep me informed of any updates regarding my complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information, regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt.

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$9000.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Date Reported : Different dates reported by each credit reporting agency Date of Last verified : Different dates reported by each credit reporting agency.

Closed Date : Different dates reported by each credit reporting agency. 
Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency. 
Two year payment history : Different dates reported by each credit reporting agency. 
XXXX : CO XXXX : No reported since XX/XX/year> XXXX : None reported 15 U.S.C. 1681e ( b ) Accuracy of Report 15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose An account can not be both a charge-off and a collection at the same time! A charge-off is a canceled debt, and a Form 1099-C must be issued to the consumer. How can you collect on a canceled debt? The collection of a canceled debt that has been charged off constitutes tax fraud and will be reported to the IRS. I will be filing a Form 3949-A.

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 2025-03-05 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: GA

Complaint narrative:
I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 
. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX OPENED ON : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX BALANCE:XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 
. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX OPENED ON : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX BALANCE:XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date 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 explanation
Consumer complaint received 2025-03-05 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:
Equifax didn't provide written notification about debt. Did not receive enough information to validate debt for the accounts listed below : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), I am formally requesting a review of the information reported on my credit file for completeness, accuracy, and appropriateness. Specifically, I request all documentation that substantiates the accuracy of the reported information.

If you are unable to provide such documentation, I request that you reopen the dispute and conduct a proper investigation as required by law. Failure to comply with this request and provide verifiable proof that the disputed items were reviewed with valid supporting documentation will result in liability under 15 U.S. Code 1681n and 15 U.S. Code 1681o for willful and negligent noncompliance, respectively. 

Additionally, I have confirmed that XXXX XXXX previously deleted the disputed account from my credit report. However, it has since been reinserted. If this reinsertion was done without following the required notification procedures under the FCRA, I demand its immediate removal from my credit file. 

Please provide a written response confirming compliance with my request within the legally mandated time frame.

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 2025-03-05 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: SC

Complaint narrative:
XXXX XXXX was sent a copy of a police report. FTC report, Attory General of Texas report and CFPB report and personnal letter and multiple calls. Im being discrimminated against-they XXXX XXXX refuses to accept these reports. By law-these reports demand this be closed and removed from all records. Ill keep complaining until I am heard. My bank can confirm fraud.

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 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Credit reporting of an open ended stunt loans on account that I have not gotten any written notice of which is required by law has been added to my credit report negatively effect my score and grossly exaggerated drop in points by XXXX points and the loan was reports on several loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX EMPLOYEE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-05 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX & XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX & XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year>23 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-05 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: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  XXXX used a document that was forged by identity theft from a solar salesman to place a XXXX XXXX hold on my house. This has caused myself and my wife who are both XXXX  to be XXXXXXXX XXXX was made aware of the identity theft years ago, they dropped the report from the one credit bureau and stopped billing us. But now when we sold our home we found out they placed a XXXX XXXX on the property using the forged identity theft document.

Company response to consumer: Closed with explanation