vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation 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 TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.

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 2025-02-13 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I am writing to formally dispute an inaccurate item listed on my credit report. After reviewing my credit report, I noticed the following error ( s ) that I believe needs to be corrected on all XXXX credit monitoring agencies TransUnion, Equifax and Experian  XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX - reported XX/XX/XXXX {$11000.00} - received letter stating the company adjusted balance from {$11000.00} to {$0.00} - no update as of XX/XX/XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXXXXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in Chap XXXX XXXX  XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX Incorrect addresses are as followed : 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

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 2025-02-13 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I am writing to formally dispute an inaccurate item listed on my credit report. After reviewing my credit report, I noticed the following error ( s ) that I believe needs to be corrected on all XXXX credit monitoring agencies TransUnion, Equifax and Experian  XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX - reported XX/XX/XXXX {$11000.00} - received letter stating the company adjusted balance from {$11000.00} to {$0.00} - no update as of XX/XX/XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXXXXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in Chap XXXX XXXX  XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX Incorrect addresses are as followed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I am a victim of trafficking which resulted in identity theft. I mailed in supporting documents and have not be given a proper response. The information listed below, which appears on my credit report, is the result of that trafficking. 
1. 
FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX. I was a victim of human trafficking CISCO Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : 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 2025-02-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
In 2023 I found that I had a bankruptcy on my credit report with TransUnion credit reporting agency which was hindering e from purchasing a home. I disputed the accuracies of the information and they sent a letting stating it is verified accurate I reached out to the court that is list on the information in my credit file and they sent a letter stating that they have not and do not provide any information to anyone pertains when it comes to this particular issue so I asked TransUnion how did they verify the accuracy of the information they said the court verified he information as accurate when I sent them the letter from the court they responded by saying it has been verified by the court. This also creates an issue with the rules for credit reporting which is who is the creditor that made the report to the credit reporting agency? This falls under the FCRA because it is unfair.

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 2025-02-13 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: OH

Complaint narrative:
Please check the information concerning Experian data breach below in attachment 15 usc 1681

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 2025-02-13 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: GA

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted multiple disputes to TransUnion over the past three months. Each time, I receive a response stating that the disputes are coming from a third party rather than from me. I have personally called and informed several agents that I am the one initiating these disputes and have requested that they be processed accordingly. I have invested significant time, effort, and money into drafting, mailing, and managing these disputes. The ongoing issue is not only affecting my credit but also causing me mental distress.

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 2025-02-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
After reviewing my credit report I noticed multiple accounts that I was not aware of. Then after further research I learned that my information was exposed during the XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed some unauthorized inquires on my report and they are listed below. 

XXXX XXXX XXXX XX/XX/2024 SYNCB - XX/XX/2024

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 2025-02-13 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-02-13 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: CA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation 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 TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries appearing 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

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 2025-02-13 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I sent a copayment check after I endorsed it to my mortgage company because the check was sent from my property insurance company for a property damage claim. My mortgage company was supposed to endorse it and return it to me so that I could repair my bathroom. But they did not. Instead, they asked me to submit materials cost and XXXX information. Then, they sent a small amount that was not enough for me to buy materials and made down payment to the XXXX so that he could get to start working on my bathroom. The XXXX quit. They told me to find someone else. I did not hear from them again until XXXX XXXX. They asked me to send materials cost and XXXX information again. Materials cost and XXXX cost were higher by now. Again, they did not send me enough money to pay for materials and XXXX down payment. So I was not able to repair my bathroom. 
I was not able to renew my property insurance due to open repairs. As the result, my mortgage company acquired " Lender Placed '' insurance that was much higher. This caused for my monthly mortgage to be higher so I fell behind on my mortgage payments. They then advised to file for assistance. I did. They replied by telling me I was not qualified for assistance because I did not have property insurance. 
Now, I have recently received a notice from their foreclosure attorney telling me that they were going to foreclose my property. 
PLEASE HELP! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX XXXXXXXX opened XX/XX/year> Amount : XXXX Ive reached out to the company and havent received any type of feedback

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