vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
XXXX Bank is reporting an account with a XXXX balance sent to collections but there is no such account.

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 2025-03-28 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:
XXXX Bank is reporting an account with a XXXX balance sent to collections but there is no such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
XXXX XXXX is reporting an account with a XXXX balance sent to collections but there is no such account.

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 2025-03-28 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MO

Complaint narrative:
I filed my federal income tax in XXXX. Still waiting on my return! I tried contacting them but no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-28 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally file a complaint against LVNV FUNDING account number XXXX in the amount of XXXX regarding their failure to provide proper validation of a debt they claim that I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) I exercised my right to request validation of this debt. However, despite my request LNNV funding hasn't provided any documentation to substantiate the validity of this debt, nor have they acknowledged my request within the legally required timeframe. 

Under the FDCPA, a debt collector must cease collection efforts until they have provided proper validation of the alleged debt. Given their lack of response, I believe LVNV funding is in violation of these consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal regulations. 

Please advise me on the next steps I can take to resolve this issue. Thank you for your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CO

Complaint narrative:
My address and phone number are not updated on my credit report, This is causing a problem. my report and score not updated since XXXX XXXX experian There are no addresses listed in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-03-28 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: Lentegrity Management, LLC
State: CA

Complaint narrative:
I received multiple hard inquiries on a single day XX/XX/XXXX bringing my credit score down XXXX points and resulting in a higher interest rate down the line. I was looking to purchase a new vehicle and while at a dealership XXXX XXXX XXXX, I inquired what the financing would look if I were to purchase a car there. I was immediately hit with multiple hard inquiries from the same company. I didnt even buy the car there, I purchased elsewhere ( through XXXX XXXX ) yet simply inquiring about a loan at this dealership resulted in 5 hard inquiries XX/XX/XXXX and an additional hard inquiry on XX/XX/XXXX for no reason. This has impacted me financially. I then received a letter on XX/XX/2025 randomly from a company called Lentegrity stating that they are unable to approve my application. When i called the number and asked what this was in reference to and why they would've denied it out of curiousity considering i have perfect credit, they said they couldn't find me in the system and told me to call XXXX XXXX XXXX whom also couldn't find me neither could XXXX XXXX. 

Dates of hard inquiries : XX/XX/2025 : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received multiple hard inquiries on a single day XX/XX/XXXX bringing my credit score down XXXX points and resulting in a higher interest rate down the line. I was looking to purchase a new vehicle and while at a dealership XXXX XXXX XXXX, I inquired what the financing would look if I were to purchase a car there. I was immediately hit with multiple hard inquiries from the same company. I didnt even buy the car there, I purchased elsewhere ( through XXXX XXXX ) yet simply inquiring about a loan at this dealership resulted in 5 hard inquiries XX/XX/XXXX and an additional hard inquiry on XX/XX/XXXX for no reason. This has impacted me financially. I then received a letter on XX/XX/year> randomly from a company called XXXX stating that they are unable to approve my application. When i called the number and asked what this was in reference to and why they would've denied it out of curiousity considering i have perfect credit, they said they couldn't find me in the system and told me to call XXXX XXXX XXXX whom also couldn't find me neither could Capital One. 

Dates of hard inquiries : XX/XX/year> : Capital One 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 XXXXXX/XX/year> : Capital One Auto Fin

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my credit file related to the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : The late payments within the past 12 months. 
This information is inaccurate and incomplete. According to my records : 1. I was not properly notified of any delinquency before the reported late payment, as required by federal guidelines.

2. I was within my 18-month grace period post-graduation.

3. I also had a 12-month forbearance granted and confirmed by the loan servicer. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and either corrected or removed from my credit report if the furnisher of the data can not verify its accuracy with proper documentation. 
Please initiate a reinvestigation of this account and provide me with a written statement of the outcome, including an updated copy of my credit report. 
If the item can not be verified or validated within the required 30-day time frame, I request its immediate deletion under FCRA 611. 
Thank you for your prompt attention to 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 2025-03-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 explanation
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: GA

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. 


List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-28 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-28 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: KY

Complaint narrative:
I had an account with XXXX XXXX. they offered a credit builder loan in which they never loaned you any money. You just paid a certain amount of money for a period of time and then at the end of it you would get your money back plus a little interest and it would report to the Credit Reporting agencies like it was a loanXXXX started making payments on this so-called credit builder loan product and made all payments until XX/XX/year> at that time showing no improvement to my credit score. I paid the remainder off and within a couple days they deposited my money back into a credit reserve account that I still left in to this day have XXXX cents remaining.. it is difficult to tell you all the inaccuracies that they are reporting to all three credit bureaus, but some of them show that my payment in XXXX was good but then somehow in XXXX I was 60 days late then on another report it shows that it was charged off in XXXX and XXXX and then on another report it just shows all payments were missed and I think on all three credit reports it states that the account was paid off charged off and that I still owe a balance of XXXX. Theres so much incorrect stuff. I think they all still show that I owe a balance of XXXX or XXXX. XXXX gon na upload a bunch of documents, but I think the language is different. Some of them say paid written off some say paid charged off say closed charged off and then sometimes itll change from month to month. Bottom line is they never loaned me a XXXX  and I made the payments on time every one of them and when I didnt see that my credit was getting better. I just paid it off and within 48 or 72 hours deposited the money into that credit reserve account. I still have access to all of my XXXX XXXX  account.. this is greatly hindering me from obtaining credit and its crazy because nobody wants to talk on the phone all of these institutions and the credit bureaus have it set up to where you cant get anything done. They only work on negative information on people never anything positive or in my case anyway.

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 2025-03-28 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: KY

Complaint narrative:
I had an account with XXXX XXXX. they offered a credit builder loan in which they never loaned you any money. You just paid a certain amount of money for a period of time and then at the end of it you would get your money back plus a little interest and it would report to the Credit Reporting agencies like it was a loanXXXX started making payments on this so-called credit builder loan product and made all payments until XX/XX/year> at that time showing no improvement to my credit score. I paid the remainder off and within a couple days they deposited my money back into a credit reserve account that I still left in to this day have XXXX cents remaining.. it is difficult to tell you all the inaccuracies that they are reporting to all three credit bureaus, but some of them show that my payment in XXXX was good but then somehow in XXXX I was 60 days late then on another report it shows that it was charged off in XXXX and XXXX and then on another report it just shows all payments were missed and I think on all three credit reports it states that the account was paid off charged off and that I still owe a balance of XXXX. Theres so much incorrect stuff. I think they all still show that I owe a balance of XXXX or XXXX. Im gon na upload a bunch of documents, but I think the language is different. Some of them say paid written off some say paid charged off say closed charged off and then sometimes itll change from month to month. Bottom line is they never loaned me a nickel and I made the payments on time every one of them and when I didnt see that my credit was getting better. I just paid it off and within 48 or 72 hours deposited the money into that credit reserve account. I still have access to all of my XXXX XXXX account.. this is greatly hindering me from obtaining credit and its crazy because nobody wants to talk on the phone all of these institutions and the credit bureaus have it set up to where you cant get anything done. They only work on negative information on people never anything positive or in my case anyway.

Company response to consumer: Closed with non-monetary relief