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 — 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 XXXXXXXX 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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 — 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 NUMBER : 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 .

While this account may 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 XXXX XXXX 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 these fraudulent accounts, but TransUnion has 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-05 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: LA

Complaint narrative:
Subject : Dispute of Unverified Account IC Systems To : Experian XX/XX/2025 Regarding : XXXX XXXX Account XXXX Dear Experian I am writing to formally dispute an inaccurate and unverified account that XXXX XXXX has placed on my credit report. I previously requested debt validation from XXXX XXXX, but they failed to provide proper verification of this debt. Instead, they only sent a generic bill, which does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ).

Despite failing to validate the debt, XXXX XXXX re-reported the account on my credit file. This is a direct violation of my rights under 15 U.S.C. 1681s-2 ( b ) of the FCRA, which prohibits furnishing inaccurate or unverified information. 
Disputed Information : Creditor : XXXX XXXX Account Number:XXXX  Reason for Dispute : Failure to provide proper validation and reporting of unverified debt Requested Resolution : Because XXXX XXXX failed to validate this debt, I request that you immediately delete this account from my credit report. Under the FCRA, you must conduct a proper investigation and provide me with a written response regarding your findings.

Please send me written confirmation once this account is removed. If you fail to remove it, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I appreciate your prompt attention to this matter.

Sincerely, 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 2025-03-05 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: WI

Complaint narrative:
I am formally disputing the negative items listed on my credit report under CFPB, as they are either inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any item that can not be substantiated. Additionally, I am filing a complaint against the three major credit bureaus ( Experian, XXXX, and XXXX ) for failing to ensure the accuracy of my report and for their lack of proper investigation into disputed accounts. I request an immediate review and removal of these items, as they are unjustly damaging my credit. Please provide all supporting documentation for the listed accounts, or delete them from my record immediately.

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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 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: PA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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>XXXX  Current Address : XXXX XXXX XXXX XXXX Florida XXXX 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 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: FL

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>XXXX  Current Address : XXXX XXXX XXXX XXXX Florida XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.

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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX  will not remove accounts chexsystems will not remove accounts

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of inaccurate and fraudulent information on my credit report, which I believe is the result of identity theft linked to the recent XXXX data breach. It has come to my attention that my personal information was compromised, leading to unauthorized accounts being opened in my name. Below is a list of fraudulent inquiries that I am disputing : 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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: IN

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following ; I am writing to formally dispute certain entries in my credit report under the Fair Credit Reporting Act ( FCRA ), particularly addressing the issues outlined in 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ).

1. **Challenge to 30-Day Response Time ( 15 USC 1681i ( a ) ( 1 ) ) ** : I request that you provide a response to my dispute within the 30-day timeframe mandated by federal law. It has come to my attention that this time frame may not have been adhered to in my case, and I require immediate clarification on this matter.

2. **Challenge to Investigation Protocol ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ) ** : Furthermore, I challenge the investigation protocols that have been employed in reviewing my dispute. I believe that the investigation did not adequately consider the information I provided, nor did it follow the procedures prescribed by law to ensure an accurate determination.

Given the significance of these issues on my credit standing, I urge you to take prompt action to rectify these concerns. Please provide me with a written response detailing how each of these matters will be handled and the steps that will be taken to ensure compliance with the protections afforded by the 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC is XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Under the Fair Credit Reporting Act, 15 U.S.C. {$1600.00} Section 611 ( a ) ( I ) ( A ).

Dear LVNV Funding LLC, I am writing to request validation of the debt referenced in your records as [ Account Number or Reference Number ]. This request is made pursuant to the Fair Credit Reporting Act 15 U.S.C. {$1600.00} Section 611 ( a ) ( I ) ( A ), which entitles me to obtain verification of any debt that you claim I owe.

To comply with my request, please provide the following information : Assignment Contract : A copy of the assignment contract or agreement that establishes your right to collect this debt. 
Permissible Purpose : Documentation showing your permissible purpose for obtaining my credit report and collecting this debt. 
Amount of Debt : A detailed breakdown of the total amount you claim I owe, including any fees or interest.

Name of the Original Creditor : The name and address of the original creditor to whom this debt was owed. 
Documentation of the Debt : Copies of any documents that substantiate my obligation to pay this debt, including contracts or agreements. 
Proof of Your Authority : Evidence that you have the legal authority to collect this debt on behalf of the original creditor. 
Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agency. 
I appreciate your prompt attention to this matter and look forward to your response within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief