vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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:
XXXX XXXX reported my account 30 days late on XX/XX/year>, because they stated that the payment sent on XX/XX/XXXX for XXXX was credited to the same month, rather than the month ahead, as intended. I made XXXX payments after this. The lender credited me the late charges and reported to the credit agency that the account was in good standing with no late payments. On XX/XX/XXXX, I paid the account off in full, leaving me with a XXXX balance. On XX/XX/XXXX, the XXXX reported another XXXX late. The account was paid in full before the next billing cycle and should not have been reported as late. I contacted XXXX several times requesting that they remove this erroneous information, to be told Don't worry about it and that someone would contact me. That has not happened. I have filed continuous disputes with TransUnion and provided a bank statement of payment, as well as a Summary statement from XXXX. This issue remains unresolved.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It XXXX Concern : This letter serves as my formal request that you immediately add the following additional address to my consumer file maintained by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships.

Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement.

I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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 2025-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: GA

Complaint narrative:
I had a debt on my credit and it showed as a charge off on my credit and and third party collections contacted me saying that they can make a settlement with me to pay XXXX I was making the payments like they told me and they even told me that I could pay 2 months at a time if I want so when I done so i always ended paying {$340.00} and {$300.00} and when I talk to someone about it the person was very nasty had and attitude with me and was forcing me to make another payment and told me that my payment amount was XXXX I told the representative that I would like to speak with XXXX the person XXXX made the settlement with and he got smart mouth with me and said he wasnt in so I told him I would call back but I kept receiving XXXX phone calls times each month from them 5 times XXXX month and XXXX calls the next month I felt very harassed by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I disputed a {$390.00} collection account from Portfolio Recovery Associates and sent a certified debt validation request under the FDCPA and UCC. They failed to provide proof of ownership, a signed contract, or a breakdown of the debt. Despite this, they continue to report the account to Equifax, which is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
FCRA ( 15 U.S.C. 1681 et seq. ) : This law dictates who can access your credit report and for what " permissible purposes. '' If a hard inquiry appears without your authorization and without an associated account, it's a violation of the FCRA.

15 U.S.C. 1681b ( Permissible Purposes of Reports ) : This section specifies the limited reasons a credit reporting agency can furnish a consumer report. If you did not apply for credit, then the inquiry likely does not fall under a permissible purpose, making its presence on your report a violation.

15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) : This is your primary dispute right. It requires credit bureaus to investigate disputed information. If they can not verify that you authorized the inquiry and that it's linked to a legitimate application, they must remove it.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : While a hard inquiry isn't an " account '' furnished, the entity that pulled your credit is still a " furnisher '' in the sense that they requested your report. If the credit bureau contacts them, they have a duty to investigate and confirm whether they had a permissible purpose and your authorization. If they don't, the inquiry should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NV

Complaint narrative:
FCRA ( 15 U.S.C. 1681 et seq. ) : This law dictates who can access your credit report and for what " permissible purposes. '' If a hard inquiry appears without your authorization and without an associated account, it's a violation of the FCRA.

15 U.S.C. 1681b ( Permissible Purposes of Reports ) : This section specifies the limited reasons a credit reporting agency can furnish a consumer report. If you did not apply for credit, then the inquiry likely does not fall under a permissible purpose, making its presence on your report a violation.

15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) : This is your primary dispute right. It requires credit bureaus to investigate disputed information. If they can not verify that you authorized the inquiry and that it's linked to a legitimate application, they must remove it.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : While a hard inquiry isn't an " account '' furnished, the entity that pulled your credit is still a " furnisher '' in the sense that they requested your report. If the credit bureau contacts them, they have a duty to investigate and confirm whether they had a permissible purpose and your authorization. If they don't, the inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed multiple inaccurate items on my credit report with XXXX Transunion, Equifax and furnishers including XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Despite repeated disputes, I have not received any documentation of the method of verification in regard to these late payments, closures, or charge-offs. 
Experian is also showing credit usage over 300 %, which is incorrect. These issues violate FCRA 1681e ( b ), 1681i ( a ), and 1681s-2. I request the removal of all unverifiable data and correction of personal information as this is detremental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
My name and email and personal information was involved in a data breach. I dispute every negative item on my report and this should be removed immediately from each of my credit 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IN

Complaint narrative:
In regards to dispute XXXX : I've filed my dispute over 10 days ago and can't get any assistance or simply a timeframe to when I would receive a provisional credit, if at all. The CFPB website says they're issued within 10 days. Cash App won't disclose when they would even make it available. Banks are supposed to be insured and help their customers. So {$3300.00} was allowed to be taken out of my account without any declines, verification texts/calls, and no app prompts ; and now I'm just to wait XXXX days to get my money back or even an update on it? This seems totally against their innocent customer and like it's my fault my card was allowed to be drained. I have bills and life that doesn't stop, the rat race keeps going. It just doesn't seem right that as an institution who's supposed to insure funds and not inconvenience the customer, that's exactly what's happening to me and sadly for such an amount. Everytime I try to get a simple answer into when I can expect a refund or credit so I can plan life, it's like I'm asking a forbidden and too secret question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CL Holdings LLC
State: FL

Complaint narrative:
I think I have been a part of identity theft I asked to present it with a copy of the original contract of agreement with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
upon reviewin my credit report, i found XXXX accounts that im not aware of and didnt authorize on my credit report, ive disputed these items, i feel like ive been a victim of ID theft, ive sent thw credit agentcys my id theft report, but these items still remain on 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 2025-06-22 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: TX

Complaint narrative:
upon reviewin my credit report, i found XXXX accounts that im not aware of and didnt authorize on my credit report, ive disputed these items, i feel like ive been a victim of ID theft, ive sent thw credit agentcys my id theft report, but these items still remain on my credit report......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
ChexSystems, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address to my consumer file maintained by ChexSystems : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships.

Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement.

I expect written confirmation of this change within 15 calendar days of receipt of this notice.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I never had any dealings with this company and its hindering me from doing anything this is very frustrating and I know its violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section XXXX11 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-06-22 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: MO

Complaint narrative:
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 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 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 I looked at my Experian, TransUnion and Equifax credit reports on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6801 et seq. ).

I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following three ( 3 ) items, which I am formally demanding : 1. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt.

2. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law.

3. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the Gramm-Leach-Bliley Act.

If you are unable to provide all three documents within XXXX calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( XXXX, TransUnion, and XXXX ), and Cease sharing or selling my personal data in accordance with federal privacy laws. 

Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and GLBA 6801-6809 unauthorized sharing of consumer data.

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. 

This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. 

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 non-monetary relief