vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never added any fraud alerts to my account. Please remove them as soon as possible.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: NV

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-29 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: TX

Complaint narrative:
The inquires below are fraud and are not mines. 


Hard inquiries 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 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 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 2025-01-29 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: NJ

Complaint narrative:
I uploaded all the fraudulent accounts that was open under my name the previous years 2 car loans, one credit card account, 4 XXXX  accounts most of them are on my XXXX credit report, transunion, 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 2025-01-29 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: NJ

Complaint narrative:
I uploaded all the fraudulent accounts that was open under my name the previous years 2 car loans, one credit card account, 4 XXXX accounts most of them are on my XXXX credit report, XXXX, equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have requested numerous times for Experian to take off information that is not mine that is listed on my credit report. 

I do not go by and have never gone by the name of XXXX XXXX XXXX this needs to be deleted immediately. 

I do not live at XXXX XXXX XXXX XXXX, XXXX MO XXXX this needs to be deleted as a residence. 

And I have asked 4x now for XXXX Inquiry which was not my inquiry to be deleted yet it is still on my report. 

I have tried calling numerous times and yet they do not allow you to talk to a live person. Please help!

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 2025-01-29 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: FL

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 
The account in question was opened on XX/XX/year>, and JEFFERSON CAPITAL SYSTEMS LLC is currently attempting to collect a debt. I have not signed any contract or agreement with XXXX XXXX XXXX or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ), XX/XX/XXXX XX/XX/XXXX is required to provide me with validation of the debt, which should include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement of my rights under the FDCPA, including the right to dispute the debt. 
I have not received this information. Furthermore, as this is a debt that XXXX XXXX XXXX claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime
State: TX

Complaint narrative:
A debt collector back on XX/XX/XXXX know as drive time and I did not purchase so I contact the local company in XXXX and I contact XXXX XXXX and she stated the individual name was XXXX XXXX out of XXXX Tx. So this was not me at all .This is a constant back in fourth with XXXX and Formally known as XXXX XXXX. Old debt XX/XX/XXXX also they falsely claimed last payment XXXX and thats not true. I do not even XXXX lol ( due to vision ) They did not have my address and this individual was in XXXX Tx. I have send police case number several time 's for the past 7 years. This is mental health draining. This has cause mental health issues now Im on medication due to this. They constantly post falsifying information. This collection did not even have the right name. That contract had XXXX. / information from XXXX Tx. XXXX has also failed to follow protocol on investigation. This has harm my credit tremendously. Also the hard inquiries I did not get permission to look or run my credit report. XXXX points down SINCE XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXXXXXX VIA DEALER XXXX XXXXXXXX VIA DEALER, XXXX XXXX XXXX, XXXX, TX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MI XXXX I did not authorize my credit to pulled for no automobile. ( Due to XXXX ) When you Call XXXX you go through all different types of commotion to get someone on line. I have send mail over the years for these items to be deleted off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Dear XXXX XXXX I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor. 
o The account number associated with the alleged debt. 
o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ). 
Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided. 
If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law. 
Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above. 
Sincerely, 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 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I was involved in an accident and my vehicle was considered a total loss. My insurance company issued me a check for the amount of my vehicle and wilshire consumer credit was issued a check as well to pay off what was owed to the vehicle. I had asked several times about company getting check and posting it to my account to be shown as paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Request for re-open and new review. The last case was closed reference # XXXX with the bank leadership very unhelpful and treated me very poorly without support or care to dig deeper to find these funds. 

XXXX XXXX transactions were sent to me from XXXX different indivuals totally approximately {$600.00}. None of the funds were received. I have filed XXXX disputes for each transaction over a month ago and PNC Bank has not provided the funds to me, or given me the reason for the funds not being received, or any resolution to the issue or how they plan to resolve the issue or provide me the funds. They are instead requesting that I start the process all over again after I have escalated the complaint, called several times, spoken with numerous people and provided additional information that was requested. The escalations did not result in anything but a call back with no additional information. Specifically XXXX transactions were sent to my account. XXXX. {$260.00} XXXX. {$100.00} XXXX. {$75.00} XXXX. {$75.00} All that I would like is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The presence of an incorrect address on your Experian credit report falls under the Fair Credit Reporting Act ( FCRA ), which governs the accuracy of consumer credit information. Here are the key legal provisions related to incorrect addresses on credit reports : 1. Right to Dispute Inaccurate Information ( FCRA 611, 15 U.S.C. 1681i ) Consumers have the right to dispute any inaccurate, incomplete, or outdated information on their credit reports, including incorrect addresses.

Once a dispute is filed, Experian must investigate within 30 days ( or 45 days if additional information is provided ).

If the disputed address can not be verified, Experian must remove it from the credit report.

2. Obligation to Maintain Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) Credit reporting agencies ( CRAs ), including Experian, must ensure that the information they report is accurate and up-to-date.

If Experian includes an incorrect address due to errors from data furnishers ( e.g., creditors, lenders ), they must take steps to correct it once notified.

3. Consumer Notification of Investigation Results ( FCRA 611 ( a ) ( 6 ) ) After an investigation, Experian must notify the consumer of the outcome.

If the incorrect address is removed or corrected, they must provide an updated report for free.

4. Liability for Failing to Correct Errors ( FCRA 616 & 617, 15 U.S.C. 1681n & 1681o ) If Experian willfully or negligently fails to correct an incorrect address after being notified, consumers may be entitled to : Actual damages, including financial harm caused by the error.

Statutory damages ( up to {$1000.00} per violation ).

Attorneys fees if legal action is necessary.

5. Identity Theft & Fraud Concerns ( FCRA 605B, 15 U.S.C. 1681c-2 ) If an incorrect address is linked to identity theft or fraud, consumers have the right to : Request an immediate block of fraudulent information.

File an identity theft report with Experian and law enforcement.

If Experian fails to correct an incorrect address, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state attorney generals office.

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 2025-01-29 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation