vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
15 USC 6802 15 USC 1681b Account information inaccurate I am writing to formally request validation of the debt referenced below, as outlined in Regulation F and the Fair Debt Collection Practices Act ( FDCPA ). I recently noticed that a collection account has been reported on my credit report, and I have questions regarding its accuracy.

Please provide the following information : The name and address of the original creditor. 
Date account was opened The full amount of the debt and a breakdown of any interest or fees added. 

Proof that you are authorized to collect this debt. 

Documentation supporting that the debt is valid and that I am responsible for it. 

Until proper validation is provided, I respectfully request that you refrain from reporting this debt to any credit reporting agencies. If the debt is already being reported, I request its removal while the matter is under investigation. 

Please note that this is not a refusal to pay but a request for verification as allowed under the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER XXXX DAYS AGO. 
XXXX XXXX XXXX, XXXX CREDIT CARD {$990.00}, XXXX XXXX, XXXX XXXX CREDIT CARD {$840.00}, {$2400.00}, {$2400.00} XXXX XXXX, XXXX XXXX {$240.00} XXXX XXXX XXXX, XXXX  XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER XXXX DAYS AGO. 
XXXX XXXX XXXX, XXXX CREDIT CARD {$990.00}, XXXX XXXX, XXXX XXXX CREDIT CARD {$840.00}, {$2400.00}, {$2400.00} XXXX XXXX, XXXX XXXX {$240.00} XXXX XXXX XXXX, XXXX  XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
When i try and get my report from Transunion it says I am blocked. I can see very little on XXXX XXXX, but I should be able to get into Transunion like everyone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am writing to formally request that you cease and desist all communication and collection activities regarding the account referenced above. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : 1. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt.

2. A written statement confirming that you will no longer pursue collection efforts.

This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions. 
I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 

15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681s-2 Please provide written confirmation of your receipt of this letter and your intention to comply with my request. Thank you for your prompt attention to this matter. 


Sincerely, 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America ( BOA ) due to the unjustified closure of my account without any explanation or notice. I have done nothing wrong or suspicious, only transferring my own funds between my accounts at Bank of America and XXXX. 

Following the closure, Bank of America sent me a check for my remaining account balance, which was subsequently stolen. I have attempted to resolve this with Bank of America but have not received adequate assistance or resolution. This money is critical, as it covers my rent and basic living expenses. 

This issue is urgentI currently have no access to funds needed for essential living expenses. Immediate action from Bank of America is necessary to resolve this hardship.

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 monetary relief
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX XXXX  XX/XX/XXXXXXXX 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 XX/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 explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid and settled my JPMorgan Chase credit card in full on XX/XX/year>. Despite this, the account continued to report monthly charge-offs for months after settlement. I disputed the account through XXXX, and instead of updating it correctly, JPMCB changed the inquiry and removal dates and eventually removed most details from my report without explanation. However, it still shows as potentially negative and continues to harm my score. It appears they re-aged the debt or manipulated the data in a way that violates the Fair Credit Reporting Act ( FCRA ). I am requesting full deletion of this account across all credit bureaus and reserve my right to seek statutory damages for inaccurate and deceptive reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XXXX  ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER 90 DAYS AGO. JEFFERSON CAPITAL SYSTEMS, XXXX CREDIT CARD {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists Please block and delete these accounts. 

XXXX XXXX  XXXX BALANCE {$25000.00} XXXX XXXX XXXX BALANCE {$41000.00} XXXX XXXX  : BALANCE {$6200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists Please block and delete these accounts. 

XXXX XXXX  XXXX BALANCE {$25000.00} XXXX XXXX XXXX BALANCE {$41000.00} XXXX XXXX  : BALANCE {$6200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX  XXXX XXXX Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at me Experian report on XXXX XXXX and according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I took a loan from bright lending Im not working part time anymore only getting social security. I asked them to make payments only on principle and do payment arrangements. They have told me I cant pay principal and add interest and late fees. I only get Social Security and have other commitments.as of XXXX they have me at XXXX. The loan was taken out around XXXX. I am willing to pay the principal but have to make payments arrangements that are affordable on my behalf.

Company response to consumer: Closed with explanation