vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following companies checked my credit and performed hard inquiries, and I would like them removed XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX FCU Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( 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 2025-05-06 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-06 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: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX  block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX With a balance of {$32000.00} Account number : XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$47000.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$81000.00} Account number : XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$56000.00} Account number : XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$40000.00} Account number : XXXX XXXX - Opened XX/XX/XXXX With a balance of {$37000.00} Account number : XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$49000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-05-06 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: IA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
b'I submitted a formal credit dispute to XXXX  via certified mail on XXXX XXXX XXXX which included all legally required supporting documents: a notarized identity affidavit, Social Security card, proof of address, and dispute letters citing specific FCRA statutes. Tracking number: XXXX XXXX XXXX XXXX XXXX XXXX confirms timely delivery.\n\nDespite this, XXXX:\n Has not provided a legally compliant Method of Verification under 15 U.S.C.  1681i(a)(7).\n Failed to reinvestigate or respond properly under 15 U.S.C.  1681i(a)(1)(A).\n Claimed my submission was favorable (incorrect terminologypossibly meant frivolous) without providing any factual basis or written explanation.\n Is currently blocking my access to my own credit file and score online (Error Code: XXXX), preventing me from verifying if they complied with FCRA  1681g(a) (full file disclosure rights).\n\XXXX  conduct violates:\n FCRA  1681g(a)  Right to access full file;\n FCRA  1681i(a)(1)(A) and (5)(A)  Reinvestigation and deletion of unverifiable information;\n FCRA  1681i(a)(7)  Right to MOV;\n FCRA  1681s-2(b)  Furnishers duty to investigate when dispute is received via CRA;\n And potentially FCRA  1681e(b) for reporting unverifiable or inaccurate information without sufficient procedures for accuracy.\n\nAdditionally, I have evidence (phone recordings and written logs) confirming that XXXX  acknowledged receipt of my package and verified that my identity had already been authenticated. They also claimed blocks were removedbut I still cannot access my report or score.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
b'I submitted a formal credit dispute to XXXX  via certified mail on XXXX XXXX XXXX which included all legally required supporting documents: a notarized identity affidavit, Social Security card, proof of address, and dispute letters citing specific FCRA statutes. Tracking number: XXXX XXXX XXXX XXXX XXXX XXXX confirms timely delivery.\n\nDespite this, XXXX:\n Has not provided a legally compliant Method of Verification under 15 U.S.C.  1681i(a)(7).\n Failed to reinvestigate or respond properly under 15 U.S.C.  1681i(a)(1)(A).\n Claimed my submission was favorable (incorrect terminologypossibly meant frivolous) without providing any factual basis or written explanation.\n Is currently blocking my access to my own credit file and score online (Error Code: XXXX), preventing me from verifying if they complied with FCRA  1681g(a) (full file disclosure rights).\n\XXXX  conduct violates:\n FCRA  1681g(a)  Right to access full file;\n FCRA  1681i(a)(1)(A) and (5)(A)  Reinvestigation and deletion of unverifiable information;\n FCRA  1681i(a)(7)  Right to MOV;\n FCRA  1681s-2(b)  Furnishers duty to investigate when dispute is received via CRA;\n And potentially FCRA  1681e(b) for reporting unverifiable or inaccurate information without sufficient procedures for accuracy.\n\nAdditionally, I have evidence (phone recordings and written logs) confirming that XXXX  acknowledged receipt of my package and verified that my identity had already been authenticated. They also claimed blocks were removedbut I still cannot access my report or score.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a formal complaint outlining the following inaccurate information that Experian, Equifax, and TransUnion are reporting on my credit report : The following inquiries were not authorized by me : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX The following names are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) The following addresses are fraudulent and are not my addresses whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) The following telephone numbers and email address are/is inaccurate and unverifiable as well and need to be removed immediately for accuracy. 
( 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$130.00} XXXX - XX/XX/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 2025-05-06 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 605C and the Debt XXXX  Repair Act due to identity theft and XXXX XXXX. I provided an FTC Identity Theft Report, self-attestation, proof of address and identity, and a full list of fraudulent accounts. 

Experian received my documents because they removed several inquiries and accounts immediately. However, they are now claiming they never received my full submission and are refusing to accept any further materials online or by emailonly by mailwhich delays my federally protected right to prompt relief. 

TransUnion has acknowledged a fraud alert but locked me out of my credit file and is demanding a mailed dispute with a 3045 day processing period. This violates my right to full access and fast remediation under Section 605C. 

I have attached my full dispute packet here and request CFPB enforcement to compel both bureaus to fully remove all coercively opened accounts and inquiries within 24 hours, as required by law.

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 2025-05-06 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:
XX/XX/year>2025 Subject : Formal Dispute of Inaccurate/Unverifiable Accounts under FCRA Sections 609 ( a ), 611, and 623 To Whom It May Concern, I am writing to dispute multiple inaccurate or unverifiable items listed on my Experian credit report ( Report No. XXXX ), generated on XX/XX/year>2025. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ), 611, and 623, I am requesting a reinvestigation and immediate deletion of all accounts that can not be verified with original signed contracts and documentation from the data furnishers.

Failure to provide evidence of contractually binding agreements and lawful debt ownership constitutes a violation of federal law. If you can not provide this information, you are required to delete these accounts from my credit file within 30 days. 

The accounts in dispute include : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - DEPT OF EDXXXX Acct. 
- XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation of the results of your reinvestigation, and remove any account that can not be substantiated. If not corrected within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal options. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
XX/XX/year>2025 Subject : Formal Dispute of Inaccurate/Unverifiable Accounts under FCRA Sections 609 ( a ), 611, and 623 To Whom It May Concern, I am writing to dispute multiple inaccurate or unverifiable items listed on my Experian credit report ( Report No. XXXX ), generated on XX/XX/year>2025. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ), 611, and 623, I am requesting a reinvestigation and immediate deletion of all accounts that can not be verified with original signed contracts and documentation from the data furnishers.

Failure to provide evidence of contractually binding agreements and lawful debt ownership constitutes a violation of federal law. If you can not provide this information, you are required to delete these accounts from my credit file within 30 days. 

The accounts in dispute include : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - DEPT OF EDXXXX Acct. 
- XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation of the results of your reinvestigation, and remove any account that can not be substantiated. If not corrected within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal options. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

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 2025-05-06 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation