vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: KY

Complaint narrative:
XXXX XXXX XXXX has not properly validated this account, and it must be deleted in accordance with the FCRA. XXXX continues to inaccurately report the following collection account on my Transunion consumer report. XXXX did not show proof that I owe this company XXXX. XXXX did not show proof that I owe their company this debt with a document showing my signature on it. XXXX can not show me detailed list of the history of payments on this account because I do not have a signed contract with XXXX guaranteeing payment to them. I did not receive the requested documents from XXXX XXXX XXXX as requested. Inaccurate Account : XXXX. I demand that this account be deleted immediately because I am not liable to XXXX XXXX XXXX for this account. The laws that this company have violated are XXXX5 U.S. Code 1692g of the Fair Debt Collection Practices Act, and under 15 U.S. Code 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. This company can not accurately validate this company because I do not have a signed contract with Resurgent/LVNV.

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 2025-02-04 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: FactorTrust, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX has not properly validated this account, and it must be deleted in accordance with the FCRA. XXXX continues to inaccurately report the following collection account on my XXXX consumer report. XXXX did not show proof that I owe this company XXXX. XXXX did not show proof that I owe their company this debt with a document showing my signature on it. XXXX can not show me detailed list of the history of payments on this account because I do not have a signed contract with XXXX guaranteeing payment to them. I did not receive the requested documents from XXXX XXXX XXXX as requested. Inaccurate Account : XXXX. I demand that this account be deleted immediately because I am not liable to XXXX XXXX XXXX for this account. The laws that this company have violated are 15 U.S. Code 1692g of the Fair Debt Collection Practices Act, and under 15 U.S. Code 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. This company can not accurately validate this company because I do not have a signed contract with Resurgent/LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NE

Complaint narrative:
Received care at XXXX XXXX with authorization from XXXX. Contacted XXXX with authorization number on four different occasions. Finally XXXX sent the account to collections. I have sent a certified letter XX/XX/XXXX to Revco XXXX, and have received yet another letter dated XX/XX/XXXX. In-between these dates XXXX is sending me notices through the mail for payment as well. The XXXX authorized the procedure, and paid all bills submitted. I have done everything on my part to ensure the account was taken care of and feel like I am being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information 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 2025-02-04 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: CA

Complaint narrative:
I have been disputing a collection account reported by XXXX on my Experian credit report since XX/XX/XXXX. The account in question was paid in full as of XX/XX/XXXX, as confirmed by XXXX. On XX/XX/XXXX, XXXX confirmed that their deletion request was processed and sent to all credit bureaus, including Experian. Despite this, Experian has failed to delete the account, resulting in inaccurate and damaging information remaining on my credit report. Despite multiple disputes ( submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Experian has failed to resolve this issue accurately. 

Instead of deleting the account as requested, Experian has either left the account as a collection with an incorrect {$1.00} balance or reclassified it as XXXX with a balance of {$880.00}, both of which are factually incorrect. This account should not be listed on my credit report at all, as XXXX confirmed that I owe nothing and that they requested deletion in compliance with the Fair Credit Reporting Act ( FCRA ). 

Each of my disputes has included the official Paid in Full letter from XXXX, which clearly states the account was settled and that they instructed credit bureaus to delete it. Experian has ignored this documentation, failed to address the errors, and provided no meaningful resolution to my disputes. This ongoing issue has severely impacted my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Sequium Asset Solutions, LLC
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. 
Account name : # XXXX Sequium Asset Solution, has violated my rights. 

I looked at my XXXX report on XXXX XXXX XXXX and noticed some things are not complete and, 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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.

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

Company 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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
Unauthorized transactions were done on my CashAPP account and it was stated that CashAPP was unable to provide any additional support regarding the claim and no further action will be taken. I did not authorize anyone to have access to my account. 

Dates/Times and Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: NC

Complaint narrative:
I am writing to file an official complaint regarding significant inaccuracies on my credit report, specifically related to an auto loan account from XXXX XXXX XXXX. This complaint also highlights my ongoing legal dispute and requests immediate corrective action from your end to comply with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Responsibility : Individual Date Opened : XX/XX/XXXX Original Balance : {$17000.00} Charge-Off Amount : {$15000.00} written off Past Due Balance : {$16000.00} as of XX/XX/XXXX Status : Account charged off Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Recent Payment : None Monthly Payment : None Highest Balance : Not provided Loan Terms : 77 months On Record Until : XX/XX/XXXX Summary of Issues : Inaccurate Reporting of Account Information The auto loan account with XXXX XXXX XXXX continues to be inaccurately reported as charged off with a past due balance of {$16000.00} as of XX/XX/XXXX. The accounts status and balance do not reflect the correct figures based on my records and disputes. This inaccurate information violates the FCRA, which mandates that credit reporting agencies like Experian ensure the accuracy and completeness of the data they report. 

Failure to Provide Accurate Dispute Resolution Despite my previous disputes regarding the account, Experian has not conducted a proper reinvestigation nor provided any meaningful resolution. The FCRA requires that when a consumer disputes information on their credit report, Experian must conduct a reasonable reinvestigation and ensure the information is either verified or corrected. Experians failure to do so constitutes a clear violation of 15 U.S.C. 1681i.

Pending Lawsuit Against Experian Please note that there is currently a pending lawsuit involving Experian for violations of the FCRA, specifically for failing to conduct reasonable reinvestigations of disputes, failing to provide accurate notices of disputes, and failing to forward all relevant information to furnishers. This lawsuit ( XXXX XXXX. XXXX ) is a direct reflection of Experians repeated failures to comply with the law and rectify consumer disputes. I strongly urge you to take this matter seriously and expedite the removal of the inaccurate information from my credit file.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I was viewing my credit report through XXXX and came across a negative account I didn't recognize. After further inquiring, I found out it was from a company called XXXX XXXX XXXX ( XXXX ). I gave them a call and they stated that the original creditor was CashNetUSA for a loan back in XXXX. I have no clue what that loan is and it does not show on my credit report whatsoever. XXXX is now showing that the loan was sold to them in XX/XX/XXXX and I have been delinquent with them now since XX/XX/XXXX even though I have never received contact by either source. It is populating in collections, lowering my XXXX XXXX, and showing past due of {$1300.00} as of XX/XX/XXXX. When I first tried to call XXXX ( XX/XX/XXXX ), I called the number located on my XXXX account which is XXXX. The call rang for several minutes before the voicemail informed me that all of their representatives were busy and I had to leave a message. Six days went by without any call back or email. I did some further researching and found their fake looking website with a different phone number at XXXX. When I called that number ( XX/XX/XXXX ), they gave me the information, I stated that I have no idea what this loan even is for, and they informed me that they are going to mail me a file with all of the information without any expressing on their part of them trying to correct any issues I might be having, no attempt at a settlement, nothing. Just a " here 's the information, we'll mail it to you '' and that was it. After doing more research, it looks like CashNetUSA is a complete scam and, I believe, that if this was a loan I took out six years ago, that this is them trying to re-age the account and get more money right when the seven year mark is about to hit to get it taken off of my credit to begin with ( even though it was never on my credit to begin with ). I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OR

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. As a result, I am requesting that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were opened or accessed without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-02-04 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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