vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: NRA Group, LLC
State: IN

Complaint narrative:
National Recovery Agency collection needs to be BLOCKED AND REMOVED FROM MY CREDIT REPORT IMMEDIATELY this account is fraudulent information and it's inaccurate and it violates my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Closed Accounts from My Credit Report I am writing to request the removal of closed accounts from my credit report that I believe should no longer be listed. Below are the details of the closed accounts in question : XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX I believe that these accounts should be removed as they are no longer relevant or accurate on my credit report. I kindly request that you review these closed accounts and take the necessary steps to have them removed from my credit report as soon as possible. 

Please confirm in writing once the requested changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A hard credit inquiry appeared on my report without my authorization. I did not apply for any credit or services related to this inquiry. I requested its removal from [ EXPERIAN ], but they have not taken action. Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear 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 explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023

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 2025-02-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which
antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequest 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 accound vulnurable and unproteced. Furthermore, their dispute resolution process was unfair and desceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable. LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported. Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ). 2. Provide written confirmation that these accounts have been permanently removed. XXXX. Provide a copy of my updated XXXX report reflecting these deletions. XXXX. Cease all future reporting of these accounts to any third parties. XXXX. Remove any address on my report that isn't XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ). Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ). Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. You are required to respond within 30 days from the date of this letter, as mandated by

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 2025-02-07 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

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 2025-02-07 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:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-07 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: MI

Complaint narrative:
On multiple occasions, starting on XX/XX/year>, I have written letters to XXXX XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. XXXX XXXX XXXX XXXX has illegally posted an account to my credit bureau XXXX. 



XXXX XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}

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 2025-02-07 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: MI

Complaint narrative:
On multiple occasions, starting on XX/XX/year>, I have written letters to XXXX XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. XXXX XXXX XXXX XXXX has illegally posted an account to my credit bureau XXXX. 



XXXX XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}

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 explanation
Consumer complaint received 2025-02-07 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:
On multiple occasions, starting on XX/XX/year>, I have written letters to XXXX XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. XXXX XXXX XXXX XXXX has illegally posted an account to my credit bureau reports. 



XXXX XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
Subject : Complaint Against Prestige Financial for Unfair Debt Collection Practices and Reinstatement of Judgment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Prestige Financial regarding their aggressive and unjust debt collection practices concerning a car loan I obtained in 2014. I just received new court documents stating Prestige is once again trying to reinstate a judgement stating I still owe just over {$27000.00}.

Below are the details of my case : In 2014, I purchased a vehicle for roughly {$27000.00} and financed it through Prestige Financial with an interest rate of 19.99 % .2 years later, due to unforeseen circumstances, I lost my job, and the car was eventually repossessed. I paid on the car for 2 years up to that point.

Prestige Financial sold the car for roughly {$9000.00}, which is significantly less than what I owed. I started a payment plan and began paying back my debt, but despite this, Prestige Financial continued to garnish my wages, even after I had entered into the payment plan. This wage garnishment created financial hardship and made it increasingly difficult for me to afford my basic living expenses, including rent and bills.

In order to avoid the garnishments, I was forced to leave my W2 job and take a commission-based position to make ends meet. However, even after doing this, I had to go back to the same company where I was W2 as commission is so un predictable. I continued to face garnishments from Prestige Financial, which led to me leaving that job as well.

I made every attempt to honor my debt, and I kept working to pay off what I owed, but now, 11 years after the original loan, I have received court documents requesting the reinstatement of a judgment for the same debt. To date, Prestige has received nearly {$50000.00} for a vehicle that was originally purchased for {$27000.00}. Despite my efforts to negotiate with Prestige Financial, they have continued to insist that since I signed the contract at the 19.99 % interest rate, they are legally entitled to continue collecting payments from me.

This situation has severely impacted my ability to secure fair financing for future vehicle purchases and has caused undue hardship in my life. I have attempted to negotiate with Prestige Financial multiple times, but they refuse to offer any reasonable solutions, and I am being penalized for circumstances beyond my control.

I am requesting your help in investigating these practices, as they seem to be in violation of fair debt collection laws, and I am seeking a resolution that will stop these unjust actions and help me regain financial stability.

Thank you for your time and attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in holding Prestige Financial accountable for their actions. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. Thanks.

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 2025-02-07 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: MD

Complaint narrative:
I have filed this complaint with the cfpb in XXXX and XXXX, without any response and now I am once again filing. 
I am attaching documents as requested which was email and copy of summons.

Company response to consumer: Closed with explanation