vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-11 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:
I am writing to report identity theft. 

While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I have discovered unauthorized inquiries that are fraudulent and I would like to have them deleted 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 These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. 

I request the immediate removal of these fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 
15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that XXXX filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.i filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.XXXX has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been dealing with TransUnion for over two years trying to fix my account. I can not freeze my account unfreeze my account online. It always tells me theres an error. They escalated to a department they say they fix it and nothing happens. Then when I call back in for the same thing, they say I have no credit report which I know I 100 % do supposedly they linked my account with someone else, but I have been dealing with this for two years and still got nowhere with them. The other two agencies are perfect, but TransUnion is a mess.

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 2025-03-11 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
A closed account with Nelnet that has been transferred is being held as open and delinquent. I have payments set up with XXXX for my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 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 2025-03-11 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligations under The Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to foward consumer -provided evidence to furnisher, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a customer.

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 2025-03-11 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: MD

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 2025-03-11 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
On several different occasions my funds have gone missing while using this app. Even when contacting cashapp Ive always been told that there were no receipts of the amount added on to my account. On some occasions the money XXXX XXXX XXXX NOT come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
There are fraudulent accounts on my credit report that I did not authorize. There's a collection on my report that I did not guarantee the debt and has been listed on my report when it is not my debt. XXXX XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am currently in the process of applying for a loan that is essential for my financial goals, and as part of the application process, the lender requires verification of my credit history. However, my credit report is currently frozen, which is preventing the lender from accessing the necessary information to complete the application. Without access to my credit report, I am unable to proceed with the loan approval process, which is causing a significant delay in fulfilling my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WY

Complaint narrative:
The original debt was stated to be from XXXX. I've been in vibration with XXXX for years and they've never found an account owing for me by social security number and date of birth. I now have a reported collection on my account from Consumer ADJ CO who will not rectify the false collection debt. I asked them to call XXXX  while I wait for a letter from them stating I do not owe a debt. They won't do their part to help get this off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
Tekcollect purchased my debt balance to XXXX XXXX XXXX, a dental company that went bankrupt in XX/XX/year>. XXXX XXXXXXXX XXXX can not honor their lifetime smile guarantee or offer as per the signed agreement. Nor will they provide support for their products per the agreement as they are no longer in operation.This nullifies the agreement. Furthermore, I have never signed any agreement with Tekcollect and have never agreed to any terms of payment to them. I purchased a product that I did not receive as agreed upon. The treatment that I did receive was also subpar and unsatisfactory. I believe that not only do I not owe anything to Tekcollect, but that the owners or beneficiaries of XXXX XXXX XXXX owe me for the monies that I paid them for a " lifetime '' service and support that I no longer receive. 
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 

For additional information, and to download all documents filed in the Debtors chapter XXXX cases free of charge, please visit XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Dear Cre4dit Reporting Agency, I am writing to formally request the removal of fraudulent accounts, credit inquiries, and incorrect personal information from my credit report, as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information immediately blocked and permanently removed from my credit file. Fraudulent Accounts to Be Deleted : XXXX XXXX Fraudulent Inquiry dated XX/XX/XXXX XXXX XXXX XXXX Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$4700.00} XXXX Servicing Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$4800.00} XXXX Servicing Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$3600.00} Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX or Incorrect Personal Information to Be Removed : Fraudulent Names : Incorrect Name Listed : XXXX XXXX XXXX XXXX This is not my correct legal name ) Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Fraudulent XXXX I have never lived here ) Fraudulent Employers : Business Income, Self-Employed ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX Support ( Fraudulent XXXX have never been employed here ) Fraudulent Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX XXXX Copy of my government-issued ID Proof of address ( Utility bill or bank statement ) According to FCRA Section 605B, credit reporting agencies must block fraudulent XXXX XXXX XXXX ( XXXX ) business days of receiving a valid identity theft request. If these items are not removed, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. Please confirm in writing once the requested deletions have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received the attached letter stating that I would need a subpoena to receive notification that my limits had been decreased. This is highly unusual. I am formally requesting proof that I was notified about the reduction of my credit limit on my Credit cards account ending in XXXX, and XXXX. 

Under the Credit CARD Act of 2009 ( 15 U.S.C. 1665c ), credit card companies must provide advance written notice of significant credit limit reductions. I was informed that your company previously could not provide proof of such a notice but now claims it was sent electronically. 

I have been told that I need a subpoena to obtain this information, which is highly unusual. Please provide a written explanation stating the legal basis for requiring a subpoena to access my own account notifications. 

The exact date and method of notification ( email, online message center, mail, etc. ). 
A copy of the notice that was allegedly sent. 
Proof that I accessed or received the electronic notification ( such as email logs or delivery confirmation ). 
If you refuse to provide this information without a subpoena, I will escalate my complaint to the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. 

Please respond in writing within 10 business days.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this c
ollection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I disputed a collection account on my report with a company that I do not have a contract with. I disputed this information on XX/XX/year> with Equifax. Equifax came back with the results as completed the same day. There is no way a proper investigation was done for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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