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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account XXXX have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information 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 2025-03-05 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : 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 2025-03-05 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: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I contacted XXXX to request the reopening of a credit card account that had been closed due to inactivity. During this call, the XXXX representative explicitly assured me multiple times that reopening the account would not result in a hard inquiry on my credit report. Based on this assurance, I proceeded with the request. 

However, despite the representatives guarantee, XXXX did place a hard inquiry on my credit report on XX/XX/year>. This action was taken without my informed consent and was contrary to the information I was provided by XXXX. 

Upon noticing the unauthorized hard inquiry, I immediately contacted XXXX to request its removal. A different representative informed me that the initial representative I spoke with had made a mistake and that a hard inquiry should not have occurred. The representative also stated that XXXX could remove the inquiry and referred me to XXXX XXXX XXXX team for further action. 

Since then, I have engaged in multiple written correspondences with XXXX XXXX XXXX team. Despite my repeated requests, XXXX has refused to remove the hard inquiry, providing inconsistent responses : 1. First response ( XX/XX/year> ) : XXXX stated they could not locate the inquiry and asked for further documentation. 
2. Second response ( XX/XX/year> ) : XXXX again claimed they could not locate my account and asked for additional information. 
3. Final response ( XX/XX/year> ) : XXXX stated they were unable to remove the inquiry because it was made to review my request to reopen my accountcontradicting what I was originally told by their representative.

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 — Information belongs to someone else
Company: U.S. BANCORP
State: IL

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/year> AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

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:
I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint # XXXX on, XX/XX/XXXX that the account in question XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX is inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.

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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
all LVNV accounts have been removed from XXXX but still reports on XXXX. they need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a credit card with Discover like 5 years ago and they closed it for no reason and I had a balance on that card but it was paid in full. Since that every time I apply for a new card, I get the same message : We cant approve you at this time because of the last credit card you had with us. I dont know what the problem because they closed the card and I pay it in full. I had called several times and they dont want to give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Armada Corp.
State: WA

Complaint narrative:
Left voicemails saying they were trying to collect a debt without confirmation of my number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WESTERN ALLIANCE BANCORPORATION
State: GA

Complaint narrative:
This is regarding an External Link that was created by my Bank ( XXXX ) in order to transfer funds to Western Alliance for their high yield savings account. I made 5 installments totaling {$3300.00}. I opened an account with an initial deposit of {$1000.00} on XX/XX/year> and several additional deposits overtime, {$500.00} on XX/XX/year>, {$600.00} on XX/XX/year>, {$500.00} XXXX XX/XX/year>, and {$700.00} on XX/XX/year>. 
I was recently a victim of a series of home invasion at my residence where many of my financial and personal information were exposed to the perpetrator ( s ). Most of my accounts were closed except Western Alliance. XXXX was completed on XXXX. My Web portal has been under review and inaccessible which leaves me unable to upload the documents requested on XXXX ( was supposedly to link the external and new link account ) so said by XXXX XXXX XXXX but rather a failed coup to compromise my email XXXX and my cell # 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau and Experian I am writing to file a complaint against Experian concerning formally ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to Inquires ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite supporting documentation that substantiated me claim, Experian indicated they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of [ Name of Credit Reporting Agency ] may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Experian through Certified Mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Experian is held accountable for its obligations under the relevant statutes.

Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.

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 — Information belongs to someone else
Company: EQUIFAX, 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 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and assistance.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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want you remove all those inquiries in my credit please.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: OH

Complaint narrative:
on XX/XX/XXXX Collection Associates LTD opened a collections account on my XXXX credit report alleged original creditor XXXX XXXX XXXX for {$1800.00}. This debt was previously reported by XXXX XXXX and removed from my credit reports XXXX due to the debt not belonging to me. 

this is a previously removed debt that i am not responsible for.

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: PA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want the company to remove the inquiries in my credit report.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX Tennessee XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX XXXX Subject : Dispute of Outdated Bankruptcy on Credit Report Dear XXXX XXXX I am writing to formally request the removal of a bankruptcy from my credit report, as it has exceeded the legal reporting time limit under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c. 



The bankruptcy listed on my credit report, filed under [ XXXX ] in [ XXXXXXXX XXXX XXXX was XXXX on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 

The bankruptcy listed on my credit report, filed under [ XXXX ] in [ XXXXXXXX XXXX XXXX was XXXX on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 


Please conduct an investigation and remove the outdated bankruptcy from my credit file immediately. I have attached a copy of my credit report, highlighting the bankruptcy entry, along with any supporting documentation. 



I appreciate your prompt attention to this matter. Please provide written confirmation once the bankruptcy has been removed. 



SINCERLY, 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: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX I received a text from Shepherd Outsourcing a debt collector regarding XXXX XXXXXXXX XXXX ( XXXX XXXX  for which current creditor is XXXX XXXX XXXX XXXX ). I informed them to stop texting me. Later on that day they decided to contact family members and share information regarding this matter. I have not given any permission for them to discuss or contact anyone regarding this debt. They are breaking the Federal Fair Debt Collection Practices Act ( FDCPA. I have screenshots and proof of attempts. I will be taking further action by contacting my attorney.

Company response to consumer: Closed with explanation