vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: NJ

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 2025-03-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I used credit karma as a way of disputing inaccuracies on my report and they have made over 500 inquires on my credit report i didn't authorize. The company has been pulling on my credit while i work due diligently to improve my credit which is arbitration and false advertisement. The company refuses to remove all of the 500 inquiries on my credit report i didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-12 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: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
This letter serves as a formal demand for the immediate removal of these inaccurate and unverified accounts from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Despite multiple dispute attempts, you continue to report this account without providing proof of verification. Under the Fair Credit Reporting Act ( FCRA ) 602, you are required to ensure fairness, accuracy, and respect for consumer rights.

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 2025-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 
I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquires were unauthorized and I am a victim of identity theft, no permissible purpose or other reason. Codes 15 US Code 1681b and 15 US code 1681IPlease remove 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-12 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: NV

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 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the immediate unfreezing of my credit file and removing of fraud alerts. See attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submitting evidence, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any proof of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681XXXX, which requires a reasonable investigation of disputes. Additionally, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as referenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of a proper investigation. 

The following accounts are inaccurate : 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 2025-03-12 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 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 2025-03-12 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I have no affiliation with these accounts and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. Please find the enclosed documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXXXXXX XXXX Companies : It is my understanding that a data breach related to XXXX XXXX and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. This breach XXXX have compromised the security of my financial and educational records, including information that should have been protected. 

Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have been violated, and as a result, I request that my student loans be removed from my credit report. 

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly. 

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.

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 2025-03-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXXXXXX XXXX Companies : It is my understanding that a data breach related to XXXXXXXX XXXX and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. This breach may have compromised the security of my financial and educational records, including information that should have been protected.

Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have been violated, and as a result, I request that my student loans be removed from my credit report.

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly.

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXXXXXX XXXX Companies : It is my understanding that a data breach related to XXXXXXXX XXXX and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. T

his breach may have compromised the security of my financial and educational records, including information that should have been protected. Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have
been violated, and as a result, I request that my student loans be removed from my credit report.

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly.

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report.

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.

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