vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I am writing to bring to your immediate attention a serious issue regarding my credit report. It has come to my notice that my personal information is being mixed with that of someone else, which has resulted in incorrect and misleading entries on my report. Specifically, an account that clearly does not belong to me has been mistakenly associated with my credit history.

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 2025-02-17 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: OK

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of an investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-17 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-02-17 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: NY

Complaint narrative:
Despite my previous attempt to resolve this issue they have failed to provide documentation to support the accuracy of the information being reported this is a violation of my rights enjoy the fair credit reporting act which mandate all the proper information be accurate and verifiable.

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 2025-02-17 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: NY

Complaint narrative:
Despite my previous attempt to resolve this issue they have failed to provide documentation to support the accuracy of the information being reported this is a violation of my rights enjoy the fair credit reporting act which mandate all the proper information be accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: TX

Complaint narrative:
CarMax XXXX XXXX, XXXX, This is a formal dispute and demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq., and Texas state law, specifically the XXXX XXXX XXXX XXXX. Your companys actions in connection with the alleged debt involving XXXX XXXX have been unlawful and require immediate remedy. 

Violations of the FDCPA and XXXX XXXX XXXX XXXX. Failure to Provide Debt Validation Under 15 U.S.C. XXXXg ( b ) and XXXX XXXX XXXX XXXX, I previously requested validation of the alleged debt, including : A full accounting of the amount claimed ; A signed contract or agreement obligating XXXX XXXX to the debt ; Documentation of ownership of the debt if assigned or sold. 
To date, your company has failed to provide sufficient validation, which is a direct violation of federal and state laws. 
XXXX. Failure to Provide a Signed Repossession Order I have also requested a signed repossession order authorizing the seizure of the vehicle. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a secured party must have the legal right to take possession of collateral. Without proper documentation, your actions constitute wrongful repossession. 
XXXX. Unfair and Deceptive Collection Practices Under 15 U.S.C. XXXXe and XXXX XXXX XXXX XXXX, your company has engaged in misleading and deceptive practices, including but not limited to : Representing or implying that XXXX XXXX is obligated for a debt without proper legal documentation ; Attempting to collect without valid proof of debt ownership or legal assignment ; Failing to provide verification upon request, thereby continuing unlawful collection activity. 

Demand for Resolution Pursuant to 15 U.S.C. XXXXg ( b ) and XXXX XXXX XXXX XXXX, you are required to : XXXX. Cease all collection activity related to this alleged debt until proper validation is provided. 
XXXX. Provide, within XXXX days, the following : A signed copy of the original agreement ; A signed repossession order ; Any other documentation proving the validity of this debt. 
XXXX. Cease any further communication with XXXX XXXX regarding this matter unless proper validation is provided. 

Failure to comply will result in further legal action, including but not limited to : Filing a complaint with the XXXX XXXXXXXX XXXX XXXX Attorney General and the seeking an immediate inhumane restraining order barring you from taken action under a judge rules on the matter ; I am prepared to file my claim in XXXX business days. 
Pursuing claims for statutory and actual damages under 15 U.S.C. XXXXk and XXXX XXXX XXXX XXXX for unlawful collection practices. 

This dispute is being recorded for legal purposes. Please provide all requested documents in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 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.

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 2025-02-17 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Regarding the closure of COMPLAINT ID XXXX pertaining to Coinbase 's lack of support access. Coinbase 's response did not address my complaint, and further to that, I'm now opening another complaint because I can not access my funds. 
I have open investments that I have not been able to access or manage since this started months ago. How is this legal? 
I can not access my account, I've had to navigate confusing website troubleshooting and self-help tools that resulted in my account being locked. Email support has been my only experience so far and it is slow and robotic to the point of seeming automated. I have submitted my dropzone " selfie id verification '' after also going through the automated id verification process multiple times and so far neither method has worked. Both systems were unable to complete the verification check and I am being asked to do more, via email correspondence that take days to respond. A phone call id verification could have resolved this from day XXXX. 
Coinbase is not delivering on the level of support it purports to have and is misleading the public and its customers. Are support costs built into the fees that customers pay for its service? Do customers not have a right to access their funds within a timely manner?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report and 1 inquiry from Equifax Credit Report. Fraudulent inquiries from Transunion : XXXX XXXX XXXX and XXXX XXXX XXXX Fraudulent inquiry from Equifax : XXXX. XXXX, XXXX XX/XX/2024. Listed inquiries do not belong to me and must be removed from my Transunion and Equifax Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion and Equifax mark these inquiries as fraudulent and remove from my Credit Report.

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 2025-02-17 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-17 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: VA

Complaint narrative:
I am extremely frustrated that my credit report contains inaccuracies and incomplete information, and my repeated requests for correction have been ignored giving me immense stress and XXXX  - this has been negatively impacting my overall well-being, physically, mentally and financially. As a result, my credit score has been unfairly impacted. The disputed items are currently involved in pending litigation due to reporting errors, making them unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
I am extremely frustrated that my credit report contains inaccuracies and incomplete information, and my repeated requests for correction have been ignored giving me immense stress and anxiety - this has been negatively impacting my overall well-being, physically, mentally and financially. As a result, my credit score has been unfairly impacted. The disputed items are currently involved in pending litigation due to reporting errors, making them unverifiable.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX I try to get a hold of cashapp through the links inside the app. They were all dead. So I went to XXXX  to find cashapp customer service. When I called it sounded like a call center for cashapp but ut was scammers and casjapp offered no help when o contacted them to recover the money. I knew it went to XXXX  XXXX XXXX on XXXX in the amount if XXXX I contacted them on XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX with no resolution XXXX XXXX XXXXXXXX is the accoubt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Credit Limit, High Credit Limit, and Reported Dates Across XXXX, Experian, and XXXX I am writing to file a formal complaint regarding multiple inaccuracies on my credit report across the three major credit bureaus : XXXX, Experian, and XXXX. I believe that the discrepancies outlined below violate the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 
Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) XXXX Inaccuracies in Reporting : Credit Limit Discrepancies : XXXX : The credit limit reported is {$3700.00}. 
Experian : The credit limit is reported as {$0.00}. 
XXXX : The credit limit is reported as {$5000.00}. 
These values can not all be correct. The differing amounts between the three credit bureaus suggest a violation of the FCRA, as the information reported must be accurate and consistent across all bureaus. 
Incorrect Last Reported Date : XXXX : The last reported date is listed as XX/XX/XXXX. 
Experian : The last reported date is listed as XX/XX/XXXX. 
XXXX : The date is correctly reflected, but I am disputing the discrepancies with XXXX and Experian, as these can not both be correct. 
These discrepancies regarding the reporting date further violate the FCRA, as the date of last reporting must also be consistent across all credit bureaus. 
High Credit Limit Discrepancies : XXXX : The high credit limit is reported as {$3700.00}. 
Experian : The high credit limit is reported as {$0.00}. 
XXXX : The high credit limit is reported as {$5000.00}. 
This inconsistency in high credit limits further complicates the accuracy of my credit report and suggests a violation of the FCRA 's requirements for accurate information. All three credit bureaus can not have different high credit limits, as this undermines the accuracy of the information being reported.

As per 15 U.S. Code 1681i, under the Fair Credit Reporting Act, when a consumer disputes the accuracy of information on their credit report, the credit reporting agency is required to conduct a reasonable investigation and correct any inaccuracies. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The consumer reporting agency must review the dispute, investigate the relevant information, delete any inaccuracies or errors promptly, typically within 30 days of receiving the dispute. 
If the information is found to be inaccurate or incomplete, it must be deleted, as appropriate. 
The consumer must also be notified of the outcome of the investigation.

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 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> Lvnv Funding LLC, XXXX XXXX XXXX XXXX the company sent me a form to fill out and get notarized stating that this was not my debt and that I never had this debt. I went to get the letter notarized and sent it back to the collectors in the mail. They still never took the debt off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be v
erified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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