vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Social Security Number:XXXXXXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, NY, 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 2025-03-18 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: AZ

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX Original creditor Balance Balance updated XXXX {$250.00} XX/XX/year> XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX 
{$1800.00} XX/XX/year> XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX XXXX 
{$470.00} XX/XX/year> XXXX XXXX XXXX  Original creditor Balance Balance updated XXXX XXXX XXXX XXXX 
{$770.00} XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Debt Validation Request under 15 USC 1692g & Legal Compliance Notice To Whom It May Concern, I, XXXX XXXX XXXX XXXX, a federally protected consumer, formally request validation of the alleged debt under 15 USC 1692g. I am not refusing to pay but require documented proof of my obligationUnder the FDCPA and FCRA, you must provide this information within 30 days, during which all collection and reporting activities must cease. Failure to respond will result in immediate deletion of this debt from my credit report. Attached is a Cease and Desist order, effective immediately. If adverse action is taken against me, I will pursue legal recourse. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), you are required to adhere to the following statutes : FCRA Compliance : 605, 609, 611, 623, 618, 1681c, 1681g, 1681i, 1681s- 2, 1681e ( b ), 1681n, 1681o, 1681p, 1681c-1, 1681c-2, 1681i ( a ) ( 7 ), 1681c ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), 1681b ( a ), 1681l FDCPA Compliance : 1692c, 1692d, 1692e, 1692e ( 5 ), 1692f, 1692g, 1692j Consumer Financial Protection Bureau ( CFPB ) : 12 CFR 1022.43, 1022.70, 1022.42, 1026.13 Federal Trade Commission ( FTC ) : 15 U.S.C. 45, 1681e, 16 CFR 660.3, 314.4 Criminal Fraud & Identity Theft Laws : 18 U.S.C. 1001, 1028, 1028A, 1341, 1343 Tort & Constitutional Protections : Restatement ( Second ) of Torts 620, 621, 623A, 652D, 652E ; U.S.

Constitution, First Amendment ( Defamation Exception ) Debt Details : Collector : Westlake Financial Services Amount : {$15000.00} Date Opened : XX/XX/year> Status : Needs Attention Original Creditor : WestLake Financial Services Dispute Reason : Falsely reported, harming my creditworthiness Account Number : XXXX I expect your prompt response. Sincerely, XXXX XXXX XXXX XXXX Without prejudice, XXXXll Natural Rights Reserve Account/Order/Tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
Subject : Formal Request for Charge-Off Deletion XXXX  Account # XXXX I am writing to formally request the removal of a charge-off notation from my credit report for the above-referenced account. When I initially reached out to XXXX regarding resolution of this debt, I was informed that the account had been sold and was directed to XXXX XXXX XXXX XXXX In accordance with this information, I contacted the collection agency and have since paid the outstanding balance on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit furnishers are required to report only accurate and complete information to credit reporting agencies. Since this account has been transferred to a third party and is no longer under your ownership, it is my understanding that XXXX no longer has a valid reason to continue reporting the charge-off. Maintaining an inaccurate or misleading charge-off on my credit file is in violation of FCRA guidelines. 

Given that the debt obligation has been fully satisfied with the collection agency, I kindly request that XXXX update my credit report by removing the charge-off. This adjustment would ensure compliance with federal law and accurately reflect the resolved status of the account. 

If this charge-off is not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for non-compliance with federal regulations.

I appreciate your prompt attention to this matter and request confirmation of your decision in writing. If further information is needed, please contact me at the information provided above. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
Subject : Formal Request for Charge-Off Deletion XXXX  Account # XXXX I am writing to formally request the removal of a charge-off notation from my credit report for the above-referenced account. When I initially reached out to XXXX regarding resolution of this debt, I was informed that the account had been sold and was directed to XXXX XXXX XXXX XXXX In accordance with this information, I contacted the collection agency and have since paid the outstanding balance on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit furnishers are required to report only accurate and complete information to credit reporting agencies. Since this account has been transferred to a third party and is no longer under your ownership, it is my understanding that XXXX no longer has a valid reason to continue reporting the charge-off. Maintaining an inaccurate or misleading charge-off on my credit file is in violation of FCRA guidelines. 

Given that the debt obligation has been fully satisfied with the collection agency, I kindly request that XXXX update my credit report by removing the charge-off. This adjustment would ensure compliance with federal law and accurately reflect the resolved status of the account. 

If this charge-off is not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for non-compliance with federal regulations.

I appreciate your prompt attention to this matter and request confirmation of your decision in writing. If further information is needed, please contact me at the information provided above. 

Thank you for your time and assistance. 

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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, XXXX ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I sent the credit bureau a complaint asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this immediately : XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/year>

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 2025-03-18 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: MI

Complaint narrative:
Experian, Transunion, & Equifax continue to report inaccurate and incomplete information. My name and address is listed incorrectly on my reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. Any other information is not correct. The credit bureaus claim that the information listed is from creditors but this is not correct. 

1 ) 2 ) Laws 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES | U.S. 
Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) Have 30 days to respond15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) a According to FCRA, any information that is not 100 % correct and current ( e.g. old names and addresses ) from a report must be deleted 15 U.S. Code 1681i - Procedure in case of disputed accuracy | XXXX Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) If it comes back, the bureau has to notify in writing within 5 days that it is going to be put back on your credit report. If they do not ( which they often dont ), they broke the 3 ) law. And, if you have demanded validation prior to that from the supplier of the information ( the collection company ), then they broke the law too. Thats a {$2000.00} minimum judgment in one swift motion. Then, they will have to pay AND remove the tradeline15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) ii 4 ) Negative information consumer must be notified 30 days prior or after Fair Credit Reporting Act - Revised XXXX XXXX XXXX XXXX XXXX 5 ) Reasonable procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX  Institute ( cornell.edu ) 6 ) A third-party can't legally claim to verify anything because they lack first-hand knowledge

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 2025-03-18 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: MI

Complaint narrative:
Experian, Transunion, & Equifax continue to report inaccurate and incomplete information. My name and address is listed incorrectly on my reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. Any other information is not correct. The credit bureaus claim that the information listed is from creditors but this is not correct. 

1 ) 2 ) Laws 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES | U.S. 
Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) Have 30 days to respond15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) a According to FCRA, any information that is not 100 % correct and current ( e.g. old names and addresses ) from a report must be deleted 15 U.S. Code 1681i - Procedure in case of disputed accuracy | XXXX Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) If it comes back, the bureau has to notify in writing within 5 days that it is going to be put back on your credit report. If they do not ( which they often dont ), they broke the 3 ) law. And, if you have demanded validation prior to that from the supplier of the information ( the collection company ), then they broke the law too. Thats a {$2000.00} minimum judgment in one swift motion. Then, they will have to pay AND remove the tradeline15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) ii 4 ) Negative information consumer must be notified 30 days prior or after Fair Credit Reporting Act - Revised XXXX XXXX XXXX XXXX XXXX 5 ) Reasonable procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX  Institute ( cornell.edu ) 6 ) A third-party can't legally claim to verify anything because they lack first-hand knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-18 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-18 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: IL

Complaint narrative:
I recently submitted a request for an investigation regarding certain disputed accounts, as I believed the Credit Bureaus did not properly handle my dispute. Upon reviewing the records from the Credit Bureaus, it is clear that their investigation was inaccurate. Since the investigation was conducted improperly, I demand that the Credit Bureau immediately correct and update the following accounts in my file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}

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 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: NY

Complaint narrative:
Albert refuses to close my account they was paid Back in XXXX from my savings account they said they didnt receive payment when in fact I sent them proof of payment multiple times you will also see proof of payment they have a history of system failure I sent also there cash account statement showing they gotten their payment

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MOHELA
State: CA

Complaint narrative:
My credit score has decreased a lot because of my student loan company. I've spoke to them prior to my credit score decrease letting them know that I am currently not working and need more time to be able to pay them back. My score decreased by XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation