vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had some mistaken information on my credit report and when Experian deleted in, their computer system also deleted my CURRENT address. So, now no one including myself can access my credit report. They did this back in XXXX and it got fixed but they deleted it again. To add insult to injury their document upload website has been down for weeks. I mailed them my identification about XXXX to XXXX times, at the cost of a few XXXX dollars ( sending XXXX ). They also notified XXXX and XXXX to do the same. They NEVER answer their phone. They give you phone numbers to call but it is all automated and it routes you through a bunch of prompts and a person never answers the phone. This is just absurd. They are a multi XXXX XXXX dollar company. Why are they so cheap to not have people pick up the phone? This is damaging my life and my business. I need assistance.

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 monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

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 XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX, 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. 
I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXXXXXXXXXXX**** - XXXX XXXX - XX/XX/XXXX - {$3400.00} XXXX - AM XXXX XXXX - XX/XX/XXXX - {$18000.00} XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - {$23000.00} XXXX - XXXX  - XX/XX/XXXX - {$12000.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : Equifax Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Personal Information : I also request the removal of all incorrect addresses and Names associated with my credit report. 
Please update my credit report to reflect the correct and current address : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CT, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX EMPLOYER - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

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 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 2025-04-10 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: NE

Complaint narrative:
I notified the Experian specialist on XX/XX/year>, that my credit scores on their site for the other Bureaus ; XXXX and XXXX, ( that the lenders see and rely on ), were inaccurate and needed to be updated. And it was dismissed, and I was told they couldn't help with that.

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 2025-04-10 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: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : XXXX. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX  These names are not accurate and may be the result of a typographical error or mis association. My full legal name is XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Confirm formatting and update consistency across the following : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
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 2025-04-10 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: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : XXXX. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX  These names are not accurate and may be the result of a typographical error or mis association. My full legal name is XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Confirm formatting and update consistency across the following : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 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 explanation
Consumer complaint received 2025-04-10 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:
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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information reported on my credit report is not in line with the guidelines set by the Fair Credit Reporting Act ( FCRA ), and it does not reflect the maximum possible accuracy. This discrepancy is in violation of the standards that should govern my credit report, and its unfairly impacting my credit standing.

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 2025-04-10 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-04-10 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
One main financial had failed to report the correct balance of my account. I currently have XXXX remaining and for months one main has been reporting the balance to be XXXX. I have tried several different ways to make this correct and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The account details are as follows : Account Number : XXXX Creditor Name : XXXX XXXX Balance : {$2000.00} I disputed this account with all three credit reporting agencies more than XXXX  days ago. Each agency responded by stating that the account had been verified, but they failed to provide any evidence, documentation, or specific data used in the verification process, which is required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, when I called the number listed on my credit report, XXXX itself informed me that they no longer own the account, as it has been sold to a XXXXparty collection 's agency, XXXX XXXX XXXX XXXX Despite this, XXXX continues to report the account under its name, misrepresenting its ownership, and thereby creating duplicated and inaccurate information. 

I never signed any documents authorizing this account, nor was I aware of its existence until it appeared on my credit reports. This strongly suggests the account was fraudulently opened under my name, without my consent or any documentation bearing my signature. 

As a result of this false reporting, I have suffered serious financial harm, including the denial of a mortgage loan and being deemed ineligible for housing, severely impacting my quality of life. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if a furnisher or credit bureau is unable to verify the legal accuracy or ownership of a disputed account, the law requires that such account be removed. Given that XXXX has stated they no longer own this debt, and no documentation has been provided verifying its validity, I am asserting my right to have this account permanently removed. 

I am requesting that the credit reporting agencies and XXXX take immediate corrective action. Due to the fraudulent and damaging nature of this account, I am demanding that it be deleted within XXXX hours of receiving this notice, or I will be forced to take legal steps to protect my rights and prevent further harm.

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