vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding certain negative accounts that are inaccurately listed on my credit report. Despite my repeated efforts and communication with you, these erroneous entries continue to affect my credit score adversely.

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 2025-01-30 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-30 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
This law firm has filed a Limited Civil Liability case in XXXX XXXX Superior court on XX/XX/XXXX for a time barred debt. They filed for {$1700.00} plus legal fees. The last date of payment on this debt was XX/XX/XXXX ( evidence provided in their own filing ). I filed an Affirmative Defense in Pro Per and am prepared to go to trial but their filing of the case is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-30 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Collection Account Reporting Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit file. The specific account in question is : Creditor Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Balance Reported : {$5300.00} Status : Collection Account Upon reviewing my credit report, I identified clear factual inaccuracies that must be corrected : 1.Incorrect Status Update Date vs. Continuous Delinquency Reporting : The report states the last status update was in XX/XX/XXXX, yet the payment history continues reporting collection activity through XX/XX/XXXX. If the status was last updated in XXXX, the account should not be reflecting ongoing monthly delinquency. This suggests re-aging, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
2.Potentially Unfair Extended Reporting : The account shows repeated collection reporting every month from XX/XX/XXXX through XX/XX/XXXX, making it appear as though new delinquency is occurring each month. If this account was already transferred to collections in XXXX, there should not be ongoing updates that unfairly extend its negative impact on my credit score. 

These inaccuracies are misleading and negatively impact my credit. I request that XXXX investigate this account, and if the creditor can not verify accurate reporting, I request that the account be corrected or removed from my credit report. 

Please provide a written response with the results of your investigation within the time required under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2025-01-30 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 am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
They continuously call even when told not to, will not tell me where the debt is coming from. Talking in circles to try and get a payment. Demanding my routing and account number to take payments even though I told them I do not have money for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by XXXX regarding inaccuracies on my credit report. I have previously reached out to XXXX concerning the discrepancies, but I have not received a satisfactory response or resolution. 

XXXX : - XXXX XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX XXXX Credit - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information XXXX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM XXXX should be removed from my credit reporting with XXXX TRANSUNION : XXXX XXXXXXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX # XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM XXXX Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that XXXX, XXXX, and TransUnion have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by XXXX regarding inaccuracies on my credit report. I have previously reached out to XXXX concerning the discrepancies, but I have not received a satisfactory response or resolution. 

XXXX : - XXXX XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX  XXXX Credit - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information EQUIFAX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM XXXX  should be removed from my credit reporting with Equifax XXXX : XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX # XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM XXXX Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that XXXX, Equifax, and XXXX have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been trying to obtain my credit report for a few years, with no luck because each website always tell me that I already have an account with different emails, in which I have never set up. Never took the pursuit as serious, as I did not feel like I needed my credit at the moment. Now that I am more knowledgable, I ordered a report and I found out that there have been multiple accounts fraudulently opened in my name. I have started reaching out to companies to have them closed. I have also obtained a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: WA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - {$520.00} XXXX XXXX  XXXX XXXX {$4300.00} XXXX XXXX XXXX  XXXX - {$610.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX - {$660.00} XXXX XXXX XXXX  - XXXX - {$640.00} XXXX XXXX XXXX XXXX - {$9200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filling a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND CAPITAL ONE HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. CAPTIAL ONE OFFERS CREDIT WISE ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX DOLLARS THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
recieved a letter from XXXX XXXX XXXX that I owe a debt from Bank of America for {$3200.00}. There is no verification that amount is my debt. No options were included. They have called me nonstop.

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 2025-01-30 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:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Here see the accounts that are marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUS GLOBAL XXXX, XXXX XXXX Subject : Formal Dispute of Charge-Off on Account # XXXX To Whom It May Concern, I am writing to formally dispute the charge-off reported on my account with XXXXXXXX XXXX XXXX XXXX, account number XXXX, in the amount of {$720.00}, currently held by RADIUS GLOBAL. Pursuant to my rights under applicable consumer protection laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request a thorough investigation and verification of the validity of this debt. 

The disputed amount of {$720.00} appears on my credit report, and I believe it to be inaccurate due to [ state reason, e.g., " billing errors, '' " lack of validation, '' " fraudulent activity, '' etc. ]. Under the law, I request the following actions : - A full validation of the debt, including a copy of the original agreement with XXXX and a detailed breakdown of the charges. 
- A review and correction of any reporting errors in compliance with the Fair Credit Reporting Act. 
- A written response confirming the resolution of this dispute within the legally required timeframe. 

Enclosed are copies of relevant documents supporting my claim, including my credit report, any prior correspondence, and other supporting records. If this debt can not be fully validated, I request that it be removed from my credit file immediately. 

Please provide a written response within 30 days of receiving this letter. Failure to comply may result in further actions, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to your resolution.

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