vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
In XX/XX/XXXX 2024 sent a letter stating that I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX  XXXX bankruptcy as accurate. Transunion replied stating that the information was no accurate and verified by the XXXX bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. I responded to this on XX/XX/XXXX2024. Stating again I found inaccurate and incorrect on my file held by Transunion. Also, that I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ). Trans union stated that ( TransUnion File number XXXX ) this information was verified as accurate. 

I then sent another letter requesting TransUnion union provide me with any copy of viable evidence bearing my signature with XXXX XXXX XXXX XXXX IL. Additionally, asking and requested that TransUnion provide me with names address and phone number of each person from XXXX XXXX XXXX that verified this information. TransUnion did not provide that information. 
On XX/XX/XXXX I spoke with XXXX from Transunion Special handling dept who stated that this bankruptcy has been verified by a 3rd party. I then asked for the 3rd parties ' information in order to dispute with them and XXXX stated that Transunion does not have the information of the 3rd party who verified. I then asked then how it was verified if you do not have the 3rd party 's information. He then stated that the 3rd party sends TransUnion collected information and that TransUnion does not reach out to verify any information. Therefore, again the initial response verifying the item with the courts was either an error or a lie. This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ).

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I paid off my cashapp loan and cashapp want let me borrow again says my account is suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LA

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 explanation
Consumer complaint received 2025-04-11 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:
I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX, who repossessed my vehicle and has continued to report negative information to the credit bureaus in a manner that I believe violates multiple federal statutes, including the Fair Credit Reporting Act, the Privacy Act of XXXX, the Uniform Commercial Code ( UCC ), and provisions under the Gramm-Leach-Bliley Act. My vehicle was repossessed on or about XX/XX/XXXX by XXXX XXXX XXXX XXXX, and I have confirmed that the vehicle was resold shortly thereafter. Despite this, the account continues to be reported negatively on my credit profile, with an inaccurate balance and misleading status. I believe this constitutes a violation of my rights under several laws designed to protect consumers from unlawful reporting and data handling practices.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must ensure data reported to consumer reporting agencies is complete and accurate. Reporting an inflated or incorrect deficiency balance especially when failing to account for the resale proceeds of the repossessed vehicle violates this provision.

2. Failure to Provide Proper Post-Repossession Notices UCC 9-614 I was not provided the required notice of sale nor the deficiency explanation that details the calculation of the remaining balance, in direct violation of UCC 9-614 .

3. Improper Collateral Disposal UCC 9-610 ( b ) The sale of the repossessed vehicle must be conducted in a commercially reasonable manner. If the vehicle was sold below fair market value, the lender has no legal standing to pursue or report a deficiency.

4. Deceptive Reporting or Collection 15 U.S.C. 1692e If the lender or any third-party agency is attempting to collect or report on a balance based on incorrect or incomplete information, it constitutes deceptive conduct under the Fair Debt Collection Practices Act ( FDCPA ). 
5. Violation of the Privacy Act of XXXX ( 5 U.S.C. 552a ) I believe my personal and financial data is being shared and reported without proper safeguards or lawful justification. This is a violation of my right to privacy, especially when that data is inaccurate and potentially misleading.

6. Right to Financial Privacy and Opt-Out 15 U.S.C. 6802 & 6805 ( GLBA ) Under the Gramm-Leach-Bliley Act, financial institutions are required to provide clear privacy notices and give consumers the opportunity to opt out of data sharing with non-affiliated third parties. I have not received such notices, nor have I been provided an adequate opportunity to exercise my right to limit the use of my private financial data.

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 2025-04-11 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:
I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX, who repossessed my vehicle and has continued to report negative information to the credit bureaus in a manner that I believe violates multiple federal statutes, including the Fair Credit Reporting Act, the Privacy Act of 1974, the Uniform Commercial Code ( UCC ), and provisions under the Gramm-Leach-Bliley Act. My vehicle was repossessed on or about XX/XX/XXXX by XXXX XXXX XXXX XXXX, and I have confirmed that the vehicle was resold shortly thereafter. Despite this, the account continues to be reported negatively on my credit profile, with an inaccurate balance and misleading status. I believe this constitutes a violation of my rights under several laws designed to protect consumers from unlawful reporting and data handling practices.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must ensure data reported to consumer reporting agencies is complete and accurate. Reporting an inflated or incorrect deficiency balance especially when failing to account for the resale proceeds of the repossessed vehicle violates this provision.

2. Failure to Provide Proper Post-Repossession Notices UCC 9-614 I was not provided the required notice of sale nor the deficiency explanation that details the calculation of the remaining balance, in direct violation of UCC 9-614 .

3. Improper Collateral Disposal UCC 9-610 ( b ) The sale of the repossessed vehicle must be conducted in a commercially reasonable manner. If the vehicle was sold below fair market value, the lender has no legal standing to pursue or report a deficiency.

4. Deceptive Reporting or Collection 15 U.S.C. 1692e If the lender or any third-party agency is attempting to collect or report on a balance based on incorrect or incomplete information, it constitutes deceptive conduct under the Fair Debt Collection Practices Act ( FDCPA ).

5. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) I believe my personal and financial data is being shared and reported without proper safeguards or lawful justification. This is a violation of my right to privacy, especially when that data is inaccurate and potentially misleading.

6. Right to Financial Privacy and Opt-Out 15 U.S.C. 6802 & 6805 ( GLBA ) Under the Gramm-Leach-Bliley Act, financial institutions are required to provide clear privacy notices and give consumers the opportunity to opt out of data sharing with non-affiliated third parties. I have not received such notices, nor have I been provided an adequate opportunity to exercise my right to limit the use of my private financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-11 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:
I am writing to file a formal complaint against Equifax for their continued reporting of a fraudulent account from XXXX, despite clear and documented evidence proving the account is not mine. 

The account in question was allegedly opened in XXXX and charged off in XXXX for an amount of {$810.00}. I have never had an account with XXXX and did not authorize or initiate any business relationship with them. 

Upon inquiry, XXXX conducted an internal review and issued a letter, dated XX/XX/XXXX, stating that they could not locate any account or balance owed under my name or personal identifying information. In the same letter, they confirmed that they would notify all three major credit bureaus, including Equifax, to have the account removed. 

Despite this clear documentation, Equifax has failed to remove the account from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) that mandates credit reporting agencies to maintain accurate and verifiable information. 

I am requesting that the CFPB intervene to ensure that Equifax immediately removes this fraudulent and damaging account from my credit report and takes appropriate corrective action. 

Attached to this complaint : A copy of the letter from XXXX dated XX/XX/XXXX Thank you for your assistance and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: HI

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 2025-04-11 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-11 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX  Creditor/Collection Agency Name XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-11 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
How is it that the Federal government can take your personal information and attached it a loan and say you have a open account with the Department of Education in XXXX active in the amount of XXXX dollars and it will remain active till XXXX. I did apply for a educational loan in XXXX for my age at that time would be XXXX XXXX XXXX. Also for it to be active till XXXX and for 6 more years of collecting interest to when I'm ready to retire that my social security will be used to pay for said account. Might as well did my grave and put me in it. I just don't understand. 
Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-11 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: OH

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable.

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable.

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

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 2025-04-11 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: RI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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