vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Credit Reporting Agency is reporting the following accounts to my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-23 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: TX

Complaint narrative:
Credit Reporting Agency is reporting the following accounts to my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX had a XXXX XXXX issue that I noticed within a month after leading the brand new vehicle. I attempted to wait it out as they assured a recall was coming. 4 months passed and I brought in for service, mentioned issue. It was not fixed. This falls under CT lemon Law. It XXXX refused to acknowledge the law. I returned the vehicle and was assured there would be no fee then months later XXXX sends a bill. I REPORTED IT TO XXXX. They did not respond with a valid solution. Now 6 years after the 36 month lease began it still is on my credit report as if I am liable for whatever charges. Under lemon law, they would actually be required to pay me money back. I just want this off my credit 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 2025-04-23 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:
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 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 seven 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 non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: FL

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am filing this complaint due to Credit Karma 's failure to protect my personal information, mishandling of a serious identity theft incident, unauthorized access to my credit reports, and misrepresentation of events in response to my previous complaint. 

On XX/XX/year>, I received a letter from XXXX stating a personal loan application was submitted in my name. I did not submit this application and contacted Discovers fraud department. They confirmed the application originated from my Credit Karma account and had incomplete/missing information. Before this notice, a XXXX XXXX XXXX application was also submitted without my knowledge. 

I attempted to log into my Credit Karma account but was unable to, despite using my longstanding password. I contacted XXXX XXXX support team and received conflicting responses. XXXX agent claimed I had no phone number on file ( false I was receiving verification texts ). Another agent asked for ID verification, which I submitted successfully, but was later told it was " invalid. '' A third agent then unilaterally deactivated my account without resolving anything and told me to " create a new one, '' which I could not do. 

Despite my account being deactivated, Credit Karma accessed my XXXX credit file every day from XX/XX/XXXX to XX/XX/year>, without my permission. This activity appears on my official XXXX credit report. I have never given Credit Karma or their outside counsel authorization to access my credit file following the deactivation. 

I also engaged in communications with Credit Karmas outside attorney, XXXX XXXX XXXX XXXX XXXX XXXX, who acknowledged my demand letter and set a time to speak. However, he failed to attend the scheduled call, did not respond after I attempted to accommodate his schedule, and later sent vague emails avoiding accountability. 

Credit Karmas previous response to the CFPB completely ignored the issues of : Identity theft and loan applications made without my consent False information and mishandled recovery attempts Unlawful and unauthorized access to my credit report after deactivation Emotional distress and XXXX Ive suffered since this began This was not a technical error or misunderstanding. This is a pattern of neglect, data mishandling, and a failure to provide proper consumer protections under the Fair Credit Reporting Act ( FCRA ). 

I have preserved all emails, text messages, screenshots, and documents supporting this complaint. I am seeking a full investigation, and I intend to file suit if a resolution is not reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-23 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:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

The following dispute items must be reexamined and removed if proper documentation can not be produced : Personal Information ( Equifax ) Name : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

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 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 2025-04-23 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: SC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address,.

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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Formal Dispute of Collection and Notice of Violations Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Alleged Collection Account FCRA and FDCPA Violations Dear LVNV Funding, This letter serves as a formal dispute and notice of violations concerning the collection account listed on my XXXX credit report under the original creditor XXXX XXXXXXXX XXXX XXXX , with a reported balance of {$13000.00}. This account was reported as opened on XX/XX/XXXX. 

According to the Arbitration Agreement provided by XXXX XXXX, either partymyself or any assigneeis required to resolve any disputes through binding arbitration, unless explicitly opted out of within 30 days of acceptance. I did not opt out, and therefore, this clause is binding. 

The transfer of this account to a third-party debt collector such as LVNV Funding without first initiating arbitration is a direct breach of the original agreement. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, as the account was furnished to credit reporting agencies without proper legal standing and in contradiction to the arbitration clause. It is also a violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect on a debt that was required to go through arbitration. 

I am formally requesting the immediate deletion of this collection account from all credit bureaus and a cessation of all collection activities. 

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the South Carolina Department of Consumer Affairs, and potential legal action for statutory and contractual damages. I am also seeking liquidated damages in the amount of {$15000.00} due to your willful disregard of the binding arbitration clause and the resulting financial and emotional harm, reputational damage, and costs incurred by me as a consumer. 

You are further advised to cease and desist all communications regarding this matter unless it is to confirm that the account has been deleted. 

This letter is written without prejudice and with full reservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
From the dates XX/XX/XXXX to XX/XX/XXXX, I had clients about roughly XXXX or XXXX XXXX Square to process payments for work that has already been completed and I never seen it go into my Balance in the mist of it square hat emailed me about three times asking for additional information about products and services that I was selling and then I have provided the information and then the closing email, which was the last email that they had sent they sent. Hey we are deactivating your account any payments that you have you would like to contact your clients and have them contact their bank for a charge off or we will be withholding funds for 120 days with no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I previously sent a formal debt validation request to the collector on XX/XX/year>, a copy of which is attached. Although I no longer have the certified mail receipt, this serves as documented proof that I exercised my rights under the FDCPA. The collector has not responded appropriately and continues to report the debt I said I was disputing the debt of {$3900.00} I received another letter dated XX/XX/year> saying that they are now reporting my debt to credit agencies. I called the number on the letter stating I had disputed the supposed debt and requested information, and I would discussing next steps with my lawyer since they did not legally adhere to the process and furnish my with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENT REPORTING UNDER 15 U.S. CODE 1681s2 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurately reported late payment for the account listed below, as reflected on my credit report : Account Name : [ XXXX ] Creditor : [ Automobile Acceptance ] Date of Alleged Late Payment : [ XX/XX/year>, and XX/XX/year> ] Account Name : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX ] Date of Alleged Late Payment : [ XX/XX/year> ] Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The information being reported regarding this late payment is inaccurate, misleading, and in violation of federal law. 

I formally dispute this late payment and demand that you investigate and remove the inaccurate data from all credit reporting agencies to which it was provided. I have attached supporting documents showing that this payment was not late and/or that the reporting is in error. You are legally obligated to conduct a thorough investigation and correct any inaccurate or incomplete information. 

Be advised : if you fail to correct this information, you will be held liable under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes. I am fully prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

I expect written confirmation of the deletion of the inaccurate information within 4 days of receipt of this letter. 

This is your formal notice. Govern yourself accordingly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation