vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Dispute of Inaccurate Charge-Off Reporting Request for Immediate Deletion Dear Credit Bureau , I am formally disputing an inaccurate of account number XXXX reported by XXXX XXXX XXXX XXXX This account involves a vehicle I returned in XX/XX/year> due to documented serious mechanical and safety issues ( recall history attached ). I also have proof the vehicle was sold at auction on XX/XX/year> ( see attached XXXX report ). 

Despite this, XXXX XXXX XXXX continues to report the account monthly as a charge-off, which is false and misleading. This violates the Fair Credit Reporting Act ( FCRA ) under Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ).

Due to this inaccurate and damaging information, I respectfully request that you : Under FCRA Section 611 ; Permanently delete this account and all negative payment history from my credit file. 

If this account is not fully deleted within 30 days of receipt of this letter, I am prepared to pursue legal action for all damages available to me under FCRA and Florida law.

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 2025-04-30 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: AZ

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/year> AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

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 2025-04-30 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: AZ

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/year> AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

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 2025-04-30 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: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/ 2025 AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Wage garnishment with employer for a sold 3rd party debt that was already written off by original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
This is just one of many times that this has happened to me but, this was the final straw. 
On XX/XX/XXXX I fell victim to the fraud scam that went around with them sending a message that they were the XXXX and that I needed to fund my account. I clicked the link and they got into my Sofi account and took out XXXX. I froze my card and then started the dispute process. On XX/XX/XXXX Sofi refunded me the money. 
Now, a month and a half later they took the money back, overdrafting my account saying they are denying that it was fraud. 
Their support consists of a chat system and the first person dumped my from the chat. The second person kept me on the chat for an hour and half telling me how the were scik and that was why they were having a hard time doing their job only to tell me that they took back my money and were denying the claim and if I wanted to appeal the decision i had to send them documentation. 
I have had at least 5 different debit cards with bank because of fraud and there is clear evidence every time. they need to be stopped. 
as you can see from my attachments i have been dealing with this since XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year> is the last date shows after everything wasnt paid this is incorrect

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 causing my old account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
b'To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1681e (b) Compliance and procedures (b) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I demand to see verifiable proof (i.e: an original consumer contract with my signature on it) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. \n\nCREDIT REPORTING ACT 15 USC  1681(2)(a)(i) Exclusions from a consumer credit report clearly states: (a) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include (A) Subject to section 1681s-3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. Defamation of Character (per se) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance (15 U.S.C  1681n) \n\n\nYour failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you cannot provide me a copy of verifiable proof, you must DELETE the account listed below. I demand that the following account be validated or DELETED immediately: \n\nOriginal Creditor: XXXX XXXX XXXX XXXXnAccount NumberXXXX XXXX XXXX XXXXn\n In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty (30) days to complete your re-investigation. \n\nDelete these late payments from my credit profile.\n\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation. \n\nBest RegardsXXXX 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 2025-04-30 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: CA

Complaint narrative:
b'To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1681e (b) Compliance and procedures (b) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I demand to see verifiable proof (i.e: an original consumer contract with my signature on it) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. \n\nCREDIT REPORTING ACT 15 USC  1681(2)(a)(i) Exclusions from a consumer credit report clearly states: (a) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include (A) Subject to section 1681s-3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. Defamation of Character (per se) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance (15 U.S.C  1681n) \n\n\nYour failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you cannot provide me a copy of verifiable proof, you must DELETE the account listed below. I demand that the following account be validated or DELETED immediately: \n\nOriginal Creditor: XXXX XXXX XXXX XXXXnAccount NumberXXXX XXXX XXXX XXXXn\n In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty (30) days to complete your re-investigation. \n\nDelete these late payments from my credit profile.\n\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation. \n\nBest RegardsXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-30 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To : Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Reporting on Equifax XXXX XXXX Lease Account ( Inconsistent with XXXX  Deletion ) Dear CFPB Representative, I am filing a formal dispute regarding the continued presence of inaccurate late payment reporting by Equifax related to my XXXX XXXX  lease account, despite this same information having been successfully disputed and removed by XXXX. 
Summary of Dispute : The account in question is a closed XXXX XXXX lease account. 

Late payments were inaccurately reported for 2016 on my Equifax report. 

I previously submitted a dispute citing discrepancies between Equifax and XXXX, and XXXX has since removed the entire account from my credit file. 

Equifax has not corrected the record, resulting in inconsistent and inaccurate credit reporting across bureaus. 

Legal Grounds : 1. FCRA Duty of Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' The continued reporting by Equifax contradicts verified updates from another major bureau, and materially misrepresents the status of the account. 
2. FCRA Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ) CRAs must delete or correct disputed information that is found to be inaccurate, incomplete, or unverifiable within 30 days. 

By failing to reconcile this account with XXXX  's updated records, Equifax is in violation of their reinvestigation obligations. 
3. CFPB Guidance & Case Law The CFPB has stated that data furnishers and CRAs must ensure consistency and accuracy in reporting. 

In XXXX v. XXXX  XXXX. XXXX XXXX XXXX, the court found CRAs liable when they failed to conduct a meaningful reinvestigation of disputed data and continued to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for violating federal consumer protection laws by reporting and attempting to collect an alleged debt of {$1200.00} that has never been validated. 

Despite my written dispute and formal validation request dated XX/XX/XXXX, Jefferson Capital has refused to produce any required documentation. They have instead continued to report this account to all three major credit bureaus XXXX XXXX XXXX XXXX in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Legal Violations : 1. FDCPA 809 ( b ) 15 U.S.C. 1692g : Jefferson Capital failed to validate the debt after receiving my written request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), they are prohibited from continuing collection or reporting until validation is provided. 

2. FCRA 623 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) : They continued to report inaccurate and disputed information to the credit bureaus without properly investigating. This is a willful violation of the FCRA, as seen in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. FDCPA 807 15 U.S.C. 1692e : Jefferson Capital misrepresented the legal status of the alleged debt by placing it on my credit report without proof of liability or ownership. 

4. FDCPA 808 15 U.S.C. 1692f : Continuing to report a debt that has not been validated is an unfair and unconscionable collection practice. See XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief