vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-28 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: OR

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 2025-04-28 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX - Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX opened : XX/XX/XXXX - Balance : {$29000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX - Balance {$1000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX - Balance - {$1100.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-04-28 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX - Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX opened : XX/XX/XXXX - Balance : {$29000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX - Balance {$1000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX - Balance - {$1100.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
15 USC 1692c ( c ) XXXX reporting on my credit report and will not send original documents saying will report on credit until XX/XX/2030 ( repossession ) {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  says on credit report until XX/XX/2027 ( collections ) {$870.00} XXXX XXXX XXXX XXXX reporting on my credit and account is closed {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: CT

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 explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I disputed a transaction through Cash App related to a towing company. I was charged for a service under misleading circumstances I agreed to pay by debit card for the original quoted amount, but when I arrived, the merchant demanded cash instead and refused the debit card. As a result, I was unable to receive the service as agreed. 
I disputed the charge through Cash App twice, explaining that I was charged improperly and that the service terms changed without consent. Cash App denied both disputes without fully investigating the situation. 
I believe this violates my rights under the Electronic Funds Transfer Act ( EFTA ), which requires a proper dispute resolution process. I request a full refund of the disputed transaction and proper handling of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I submitted disputes to XXXX regarding inaccurate, fraudulent accounts and unverifiable information, specifically a collection account furnished by Bull City Financial Solutions and multiple unauthorized accounts. Despite providing evidence including an FTC Identity Theft Report ( Report # XXXX ) and proof of inaccuracies, XXXX failed to correct the false information. 

I am suffering real financial harm, including being denied a {$150000.00} business loan, losing favorable loan interest rates, and being denied other financial products that my prior strong credit profile ( XXXX XXXX  ) would have otherwise qualified me for. 

I have filed a lawsuit in XXXX XXXX, Florida Small Claims Court against XXXX ( XXXX XXXX XXXXXXXX ) for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ). I demand immediate deletion of all inaccurate and fraudulent accounts, correction of my credit report, and accountability for the failure to conduct a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
Equifax is currently reporting two separate charge-off accounts : one from XXXX  XXXX tied to account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$3600.00}, and another from XXXX XXXXXXXX tied to account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$660.00}. Both of these charge-offs are being reported inaccurately and without proper verification following rampant data breaches that have compromised consumer credit data across the nation. Despite submitting prior disputes highlighting these concerns, Equifax has failed to substantiate the reporting of either account by providing original, authenticated documentationsuch as signed contractual agreements, itemized billing statements, or official account closure noticesthat would satisfy the reinvestigation requirements imposed by 15 USC 1681i. Moreover, by continuing to furnish these unverifiable and questionable entries, Equifax is violating 15 USC 1681e ( b ), which demands the maintenance of maximum possible accuracy in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Elite Legal Practice PC
State: FL

Complaint narrative:
I am filing a formal complaint against Elite Legal Practice and XXXX XXXX XXXX for deceptive business practices. I was misled into enrolling in their " Debt Resolution Program '' under the false promise that : My debts would be settled for less ( they have not been ).

My enrolled accounts would be removed from my credit report or show a XXXX  balance ( they remain in collections ).

My credit score would not drop ( it has dropped XXXX points ). 

They would communicate with creditors on my behalf ( creditors confirmed no payments were made ). 

Despite paying them monthly, they have not settled any debt or achieved the promised results. The contract I signed contradicts their sales pitch, proving fraudulent misrepresentation. 

I am requesting : A full refund for all payments made by me and my husband. 
Cancellation of the agreement without penalty. 
Investigation into their business practices to protect other consumers. 

Supporting Documents : Attach : Email from XXXX XXXX XXXX ( proving false promises ). 

Client Agreement ( showing they do NOT settle debts ). 

Credit report ( showing no accounts were removed or settled ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
TransUnion is currently reporting a charge-off account from XXXX XXXX associated with account number XXXXXXXX XXXX XXXX XXXX XXXX  and a balance of {$3600.00}. This account is being reported inaccurately and without legitimate substantiation. Due to widespread data breaches and the massive compromise of sensitive consumer information across the country, it is critical that all information furnished to credit reports is properly verified through original and authenticated documentation. However, in this case, TransUnion has failed to provide a detailed validation of this charge-off, including original signed contracts, full payment records, and legitimate account histories that can conclusively prove the accuracy and completeness of the reporting. Continuing to publish unverifiable and potentially fraudulent information on my credit report not only violates my rights under 15 USC 1681i, which requires a full and reasonable reinvestigation when a consumer disputes information, but also breaches 15 USC 1681e ( b ), which imposes a legal obligation to ensure the maximum possible accuracy of any information placed in a consumers file. In the absence of verifiable proof, TransUnions decision to continue reporting this derogatory account directly harms my consumer rights and financial standing.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is reporting several unauthorized inquiries that should not be present on my credit file, specifically from XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. I did not authorize these hard inquiries, nor was I given proper notice or opportunity to consent. Given the widespread exposure of consumer data due to multiple known data breaches, the likelihood of unauthorized or fraudulent access to consumer credit files has sharply increased. Under 15 USC 1681b, consumer reports may only be accessed with permissible purpose and proper authorization, and TransUnions reporting of these unauthorized inquirieswithout documented proof of authorizationviolates that protection. Additionally, by failing to maintain adequate procedures to prevent inaccurate reporting, TransUnion is in violation of 15 USC 1681e ( b ).

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 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
In XXXX, ProCollect, Inc. began attempting to collect a residential lease balance tied to Reflection Apartments. However, the legal case regarding this alleged balance was dismissed without prejudice in XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I provided ProCollect a copy of the official court dismissal order multiple times. Despite receiving documentation, they have continued to attempt collection by sending a Final Account Statement and have refused to acknowledge the dismissal.

At this time : There is no active judgment against me.

There is no enforceable court order allowing collection of this debt. 

Continued attempts to collect and/or report this balance without a valid court judgment are violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am currently suffering harm, including difficulty securing new housing, due to this inaccurate and unjust collection attempt.

I am requesting that ProCollect immediately : Cease all collection activities related to this matter.

Delete any reporting to credit bureaus regarding this account.

Provide written confirmation that this account is closed.

Additionally, I made multiple documented efforts to contact both the apartment management ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ProCollect, but was repeatedly blocked, given incorrect information, or ignored after providing court documentation.

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 2025-04-28 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: HI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-28 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: LA

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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : FCRA Violation Dispute of Inaccurate Student Loan Reporting To Whom It May Concern, I am filing this formal complaint under the * * Fair Credit Reporting Act ( FCRA ) * * regarding inaccurate information being reported on my credit file in connection with XXXX or more * * student loan accounts * *. 

The account ( XXXX ) in question is/are being reported by : * * Loan Servicer/Creditor : * * DPT ED/AIDV AMOUNT OF {$28000.00} * * Account Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau ( XXXX ) Reporting the Error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of the Complaint : - The reported information is * * inaccurate * *, * * outdated * *, or * * unverifiable * *. 
- I have previously disputed this information with the credit reporting agencies, but it remains on my file. 
- The servicer has failed to verify or correct the information as required by law. 
- This is a violation of my rights under the * * FCRA * * and has negatively impacted my credit profile. 





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Company response to consumer: Closed with explanation