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 belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX **Date : ** XX/XX/XXXX XXXX, XXXX Attn : Legal Department/Customer Disputes XXXX XXXX XXXX XXXX XXXX TN XXXX **RE : FORMAL NOTICE OF FCRA VIOLATIONS & DEMAND FOR IMMEDIATE DELETION** **Account # : ** [ YOUR FACTORTRUST REFERENCE NUMBER ] **Consumer : ** XXXX XXXX To Whom It May Concern : This correspondence serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with my XXXX consumer report. I demand immediate investigation and deletion of all inaccurate information within the statutorily prescribed timeframe. 

# # NOTICE OF METRO 2 FORMAT COMPLIANCE VIOLATIONS I have identified the following entries in my XXXX consumer file that violate the Consumer Data Industry Association 's Metro 2 Format reporting standards and therefore constitute FCRA violations : 1. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ) - XXXX # : XXXX - Metro 2 Violation : Incorrect consumer identity information reported in Base Segment fields, constituting violation of Field 7 ( Identification Number ) and Field 10-11 ( Name ) requirements - FCRA Violation : 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy 2. *XXXX  XXXX XXXX Reported XX/XX/XXXX ) - XXXX XXXX XXXX XXXXXXXX - Metro 2 Violation : Failure to properly code Field 25 ( Terms Duration ) and Field 17-18 ( Consumer Information Indicator ) as disputed information - FCRA Violation : 1681i ( a ) failure to conduct reasonable reinvestigation of disputed information 3. XXXX XXXX XXXX Consumer Disputes** ( Reported XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX - Metro 2 Violation : Improper Special Comment Code ( Field 19 ) indicating " Echo information '' reflecting duplicative reporting - FCRA Violation : 1681s-2 ( a ) ( 1 ) ( B ) furnishing information known to be inaccurate 4. *XXXX XXXXXXXX XXXX Reported XX/XX/XXXX ) - XXXX XXXX XXXX XXXX - Metro 2 Violation : Improper Account Status ( Field 17A ) and Payment Rating ( Field 17B ) coding - FCRA Violation : 1681s-2 ( a ) ( 2 ) failure to correct and update information # # CORRECT CONSUMER IDENTIFYING INFORMATION The ONLY personal identifying information that should appear in my consumer file is : - **Correct Name : ** XXXX XXXX - **Correct Address : ** XXXX XXXX XXXX, XXXX, LA XXXX - **Correct Phone : 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 disputing the continued reporting and collection efforts by XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX account I did not open. This is a case of identity theft, and the documents XXXX provided are insufficient to prove otherwise. 

The only documentation XXXX provided was : A statement dated XXXX XXXX XXXX XXXX, showing no payments and several late fees The account already being eligible for charge-off before XX/XX/2020 XXXX claims to have acquired the account on XX/XX/2020, but fails to provide any of the following : The original date the account was opened The date of first delinquency Payment history Signed application or proof of my consent This is a textbook identity theft case, and XXXX is attempting to restart the reporting timeline using the date they acquired the debt, not the actual date of default. This violates : FCRA Section 605 ( c ) regarding date of first delinquency FDCPA, due to failure to validate the debt with proper documentation I have never received or used this account and dispute its validity entirely. The billing address on the statement does not match my known addresses at the time.

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report I am writing to formally dispute unauthorized inquiry appearing on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize and for which no permissible purpose was provided : The inquiry ( ies ) I am disputing are as follows : Company Name : [ XXXX XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ JP MORGAN CHASE BANK ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ XXXX XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] * Company name : [ JP MORGAN Chase BANK ] Date of Inquiry : [ XXXX ] Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, entities may only access a consumers credit report with the consumer 's explicit consent or for a permissible purpose as defined by law. I have not initiated any transactions or provided authorization for these inquiries. Furthermore, if these inquiries were conducted without my consent, they constitute a violation of the FCRA.

Additionally, under the FCRA 15 U.S.C. 1681c-2, consumers have the right to place a security freeze on their credit reports to prevent unauthorized access. Any failure to comply with these federal protections may result in penalties as outlined in 15 U.S.C. 1681n and 1681o, which provide for civil liability in cases of willful or negligent noncompliance.

I request that you : 1. Investigate these inquiries to determine the party that accessed my credit report.

2. Provide me with documentation showing that I authorized each inquiry listed above or evidence of a permissible purpose.

3. Immediately remove any unauthorized inquiries from my credit report.

Please consider this letter a formal request under the FCRA. I expect a response within 30 days as required by federal law. If these inquiries can not be verified, they must be deleted promptly.

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : DEPT OF EDUCATIONXXXX XXXX  XXXX - Date Opened XX/XX/year>2019 Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX - Date Opened XX/XX/year>2019 Account Name : US DEPT OF ED/XXXX  XXXX XXXX - Date Opened XXXX/2019

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Consumer Dispute Center ( TU ) XXXX XXXX 2000 XXXX, PA XXXX I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2 XXXX XXXX XXXX XXXXXXXX Please verify this account. 
3 NAVY FCU # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOBXXXX  SS XXXX I have had issues in the past with ID theft and I do not live at the addresses listed below 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

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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOBXXXX  SS XXXX I have had issues in the past with ID theft and I do not live at the addresses listed below 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

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume 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: EQUIFAX, INC.
State: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 BEEN A VICTIM OF IDENTITY THEFT AND TRAFFICKING FOR ALMOST A DECADE. I CANT GET SPECIFICALLY EXPERIAN OR EQUIFAX TO TAKE THE MATTERS SERIOUS. I HAVE BEEN SUBMITTING DOCUMENTS AND FTC REPORTS AND POLICE REPORTS SINCE 2018, AND IT JUST DOESNT SEEM TO MATTER TO THESE CREDIT BUREAUS AND CERTAIN CREDITORS. RIGHT NOW ON EQUIFAX, XXXX XXXX # XXXX, WHERE XXXX XXXXXXXX TOLD ME NOT ONLY DID THIS CARD NEVER CAME TO MY HOUSE BUT IT ALSO WAS NEVER A PAYMENT MADE AND THEY VERIFIED THAT SPECIFIC ACCOUNT 4 TIMES A YEAR EVERY YEAR, NOW WITHIN THE LAST 9 MONTH PAYMENTS HAS BEEN MADE ACCORDING TO EQUIFAX WHICH KEEP GIVING MY EQUIFAX A HIT, WHERE I CANT GET A REFINANCE ON MY HOUSE, NOR CAN I BUY MY CAR. I ALSO HAVE FRAUDULENT COLLECTION CALLED THE CBE GROUP ON MY CREDIT REPORT THAT IM REQUESTING TO BLOCK DUE TO IDENTITY THEFT. FOR THIS COMPLAINT IM ONLY TALKING ABOUT IDENTITY THEFT, IM NOT EVEN SPEAKING ON THE OTHER VIOLATIONS THEY HAVE DONE THIS YEAR BASED ONTRAFFICKING.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation