vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank won't pay the full bill for my homeowners insurance ( from my escrow ). The payment was due in XXXX of XXXX ( yes, XXXX ) according to XXXX. I called PNC bank multiple times after they missed the payment, was told on multiple occasions they understood and were overnighting a check immediately, only to find out in subsequent calls they didn't send the check. My insurance was cancelled XX/XX/XXXX due to lack of payment ( I had XXXX coverage on my home ). On XX/XX/XXXX ( 11 months after the due date ), I called XXXX and paid with my credit card. 

I received notice XX/XX/XXXX from XXXX that PNC also failed to pay my XXXX bill, due XX/XX/XXXX. 

For these reasons, I decided to close the escrow with PNC Bank. However, they now want me to pay $ XXXX {$150.00} to close the it ( even though they refuse to make required payments from the escrow account ). 

I can't understand how an organization like this can be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: OH

Complaint narrative:
CFPB XXXX TransUnion XXXX XXXX Subject : Missing Information on Credit Report Failure to Investigate Complaint : I am filing a complaint against TransUnion and XXXX for failing to maintain a complete and accurate credit report. I discovered missing credit-related information and requested an investigation to determine if it was due to fraud, suppression, or reporting errors.

Under the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ), credit bureaus must ensure accuracy and conduct reasonable investigations. TransUnion and XXXX have failed to verify or correct the issue. 

I request that the CFPB investigate and ensure : A proper investigation is conducted. 
Any missing data is verified and restored. 
My credit report reflects complete and accurate information. 
This failure has harmed my ability to assess my credit history. Please take action to enforce my FCRA rights. 

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-14 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: NY

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that are inaccurately reported : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the provided address. Pursuant to the act, there should be no fee for this updated report. Furthermore, I kindly ask that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally dispute the alleged debt of {$690.00} associated with XXXX XXXX XXXX, Account Number : XXXX, and Resurgent Receivables Account Number : XXXX, which reflects a balance of {$440.00}. I do not believe I am liable for this debt, as I have had no direct contact or agreement with XXXX XXXX XXXX regarding this amount. 

To date, I have made a formal request to XXXX XXXX XXXX for the original contract, including a wet signature and appropriate identification verification. However, they have failed to provide these requested documents. I can not accept responsibility for this debt without receipt of the original contract and verification of my agreement. 

Furthermore, under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all further communication regarding this debt unless it is to provide the original signed contract. I have had no direct interaction with XXXX XXXX XXXX and am asserting my rights to dispute this debt under the FDCPA. 

I respectfully request that you thoroughly investigate this matter and take appropriate action to ensure that my rights are upheld by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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 2025-02-14 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: MI

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-14 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: MD

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-14 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: NJ

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 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 2025-02-14 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: CT

Complaint narrative:
Subject : Revocation of Consent & Opt-Out Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle consumer information with fairness, impartiality, and respect for privacy. Equifax, Experian, are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared without my consent. Due to this I now have an extraordinary amounts of misinformation, that has damaged my personal life.

Additionally, under 15 U.S.C. 6801, financial institutions are obligated to respect consumer privacy and protect the confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, XXXX XXXX qualifies as a financial institution under this law. 

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written instructions of the consumer. I have not provided, nor do I provide, any written consent for Equifax, Experian, or XXXX to report or share my information. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been given the opportunity to opt out. I was never informed of my right to opt out, which is a violation of this provision. 

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than XXXX years old, except for criminal convictions. The account being reported constitutes adverse information and is being reported without my permission, in violation of this statute. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not provide consumer information to reporting agencies if they know or have reasonable cause to believe it is inaccurate. Equifax and Experian are also failing to maintain reasonable procedures to prevent violations of FCRA, as required by 15 U.S.C. 1681e. 

Finally, according to 12 CFR 1016.7, I have the right to opt out at any time. I am formally exercising this right and opting out of all your reporting services. 

I expect immediate compliance with this request. and writing content within 30 days of this submission. 

Sincerely

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