vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: VA

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 non-monetary relief
Consumer complaint received 2025-02-12 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-11 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:
I am submitting this complaint regarding an inaccurate and unauthorized collection account being reported on my credit file by Equifax. I had previously requested that the debt collector responsible for this account cease all communications with me, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires debt collectors to stop all forms of contact upon receiving a cease-and-desist request. However, despite this, the debt collector continues to report the account to the credit bureaus, which is a direct violation of my rights and is negatively affecting my credit score and financial stability. Furthermore, this reporting violates the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and remains on my credit report even after my formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$740.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$680.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX, XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}, XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$740.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$680.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX/XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX, XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}, XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 et seq. ), I am requesting that these accounts be permanently removed from my file within five ( 5 ) days, as they are either inaccurate, unverifiable, or obsolete. 

1. U S Departments of education of ed XXXX XX/XX/XXXX {$2000.00} No Action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-11 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: TX

Complaint narrative:
XX/XX/year> $ XX/XX/year> Multiple fraud applications to car dealerships for loans among other credit applications that were fraud. 

I have contacted each credit bureau with the assistance XXXX XXXX XXXX. I froze and locked my credit. I am getting a pin to use for my social security.

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 2025-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> $ XX/XX/year> Multiple fraud applications to car dealerships for loans among other credit applications that were fraud. 

I have contacted each credit bureau with the assistance XXXX XXXX XXXX. I froze and locked my credit. I am getting a pin to use for my social security.

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 2025-02-11 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:
XX/XX/year> $ XX/XX/year> Multiple fraud applications to car dealerships for loans among other credit applications that were fraud. 

I have contacted each credit bureau with the assistance XXXX XXXX XXXX. I froze and locked my credit. I am getting a pin to use for my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the negative credit reporting on my account related to a vehicle I voluntarily surrendered in XXXX for {$44000.00}. The reporting is inaccurate due to negligence on the part of the bank and failure to properly handle the surrender process. 



In XXXXXXXX, I voluntarily surrendered my vehicle and made multiple attempts to coordinate the pickup. However, the vehicle remained in my possession for approximately three months after the surrender agreement because the bankss assigned towing company failed to retrieve it in a timely manner. During this period, I repeatedly called the bank to follow up, yet the pickup was never completed. 



At some point, the vehicle was towed without my knowledge or authorization. When I contacted the bank to clarify the situation, they informed me that they had only attempted to call the towing company three times but received no response. This claim is difficult to believe, as towing companies operate 24/7, and I have personally called and received responses without issue. The bank has refused to provide documentation proving their calls or attempts to recover the vehicle. 



As a result of this negligence, the vehicle was ultimately sold by the towing company instead of being processed through the voluntary surrender agreement. Despite the bankss failure to manage this situation properly, they are still holding me responsible for the full balance of the loan and have reported negative marks on my credit report. 



I have continued to reach out to the bank in an attempt to resolve this matter, calling daily and requesting a manager, yet no one has returned my calls. Additionally, the bank refuses to provide the dates of my prior calls from XXXX, further preventing me from obtaining necessary documentation for resolution. 



This inaccurate reporting is significantly impacting my future, as I am in the process of enlisting in the XXXX XXXX XXXX and can not have incorrect derogatory marks on my credit report. Given the bank 's failure to properly handle the voluntary surrender, I request the immediate removal of the negative credit reporting and any outstanding balance associated with this account. 



Please consider this a formal dispute under the Consumer Financial Protection Bureau ( CFPB ) ). If this issue is not resolved promptly, I will escalate my complaint to the, state attorney general, and other appropriate regulatory agencies. 



I appreciate your immediate attention to this matter and expect a response confirming the removal of this negative reporting. 



Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is not my account. I have written the company several times and have advised them to delete this false and misleading information off my credit file and they have not responded back to me. 

XXXX Account # 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 2025-02-11 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 not my account. I have written the company several times and have advised them to delete this false and misleading information off my credit file and they have not responded back to me. 

XXXX Account # 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 2025-02-11 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 not my account. I have written the company several times and have advised them to delete this false and misleading information off my credit file and they have not responded back to me. 

XXXX Account # XXXX .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 am formally filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions of supporting documentation, Equifax consistently responds within XXXX hours stating that the disputed accounts are accurate, without providing any evidence of a thorough investigation. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding. 

I am specifically requesting the removal of the following negative accounts from my credit report, as they are either inaccurate, unverifiable, or improperly reported : XXXX Account number XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX Account XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, I demand that Equifax conduct a proper and lawful investigation into these disputes, provide evidence supporting the accuracy of the reported information, or immediately remove these accounts from my credit file. Failure to comply with these legal obligations XXXX result in further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and potential legal recourse. 

Please confirm receipt of this complaint and provide a written response detailing the steps taken to investigate and resolve these disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Equifax : Delinquent Payment XXXX XXXX XXXX - never late Transunion : XXXX XXXX - not my account XXXX XXXX XXXX not my account XXXX  XXXX  - never late - paid ahead XXXX XXXX XXXX  - never late XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX never late Experian : 2 account recently reported as late These accounts were reported as late on your most recent Experian credit report. 

XXXX CARD - never late XXXX XXXX  XXXX -never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Equifax : Delinquent Payment XXXX XXXX XXXX - never late Transunion : XXXX XXXX - not my account XXXX XXXX XXXX not my account XXXX  XXXX  - never late - paid ahead XXXX XXXX XXXX  - never late XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX never late Experian : 2 account recently reported as late These accounts were reported as late on your most recent Experian credit report. 

XXXX CARD - never late XXXX XXXX  XXXX -never late

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