vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX 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
Consumer complaint received 2025-03-10 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer,! have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 

Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what i believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. As you can see the report from XXXX and TransUnion doesnt match. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. According to 15. U.S.C 1692C they have violated my rights by unlawful communications. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during 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 2025-03-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
They call almost every business day I told the lady last week to send a letter. I got a call at XXXX XXXX I told her to send me a letter to the address on file. I told the lady on I believe XXXX to send a letter and I also told her I believe I know what this is about which is a false debt that I had to make a complaint about twice to the XXXX and neither debt collector could validate the collector but debt collectors keep selling it around and its been going on for XXXX  years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BlueChip Financial
State: TX

Complaint narrative:
Please I understand that this might seem as a hassle but all these non profit organization are breaking the laws.. I was almost set up as a drowning.. due to someone adding XXXX XXXX to my webull account and he's no son of mine .. he is related to XXXX XXXX a XXXX head on XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX and I'm on XXXX XXXX XXXX TX XXXX was interested XXXX United States XXXX XXXX Myself XXXX Like they know who's at wrong why prolong it. Like I'll XXXX  and say to get results faster. It was from A XXXX XXXXXXXX XXXX XXXX transfer into a XXXX XXXX Bank I didn't do such a thing and no reason to myself and please they spent in XXXX lump sum. Arrest and convict these people

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
informed CCS debt collections that they were calling outside the legal guidelines. they still attempted collect the debt. i informed them that i lived in XXXX XXXX, nv. not new york. they still tried to collect the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally dispute the accuracy of my student loan information due to recent XXXX and FCRA violations, including unauthorized access to my records. 

Specifically, I allege violations of XXXX Unauthorized disclosure of my educational records to XXXX on XX/XX/XXXX., FCRA 15 USC 1681q My credit report was accessed by XXXX on XX/XX/XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA 15 USC 1681b My credit report, containing my student loan information, was accessed by XXXX on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. 

I also invoke my rights under FCRA 15 USC 1681i, demanding a reasonable reinvestigation within XXXX  days of the following disputed items : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX These inaccuracies violate XXXX and XXXX XXXX laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within XXXX  days detailing your investigation and corrective actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
In XXXX I contacted first investors servicing corporation after paying my account. They sent the settled in full letter. They said it could take up to XXXX days to update. I then disputed account with letter. On XX/XX/year> XXXX and XXXX  updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Request for Debt Validation - XXXX XXXX, Account Number XXXX Dear CFPB, I am writing to file a formal complaint regarding a debt reported on my credit report by Equifax. The account in question is with XXXX XXXX, and I am requesting that this matter be investigated for proper debt validation. 

The details of the account in question are : Collection Agency : XXXX XXXX  Account Number : XXXX Amount : {$750.00} I am disputing this collection and requesting validation of the debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that Equifax provide the following : Proof of the debt, including a copy of the original agreement or contract showing that I am responsible for this debt. 
Verification of the total amount of {$750.00}, including any interest, fees, or charges that have been added. 
Documentation showing that XXXX XXXX has the legal right to collect this debt, including evidence of assignment or purchase. 
Proof of notification, showing that I was properly notified of the debt before it was reported to Equifax. 
Until this debt is properly validated, I am requesting that Equifax suspend reporting this debt on my credit report. If XXXX XXXX can not provide proper validation, I request that this collection be removed from my report entirely. 

I respectfully request that the CFPB investigate this matter, ensuring that Equifax follows the required steps under the Fair Credit Reporting Act ( FCRA ). I look forward to a timely response and resolution within the legally mandated time frame. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: ND

Complaint narrative:
I already have a complaint for cash app they refuse to even look into my case even though I have provided proof of my identity theft and have been providing proof since 2023 I just tried again to day and got the same response word for word as I did last time and the time before. They have not changed there security or there customer service and I dont even think theres a live agent working the messages Im almost positive its AI Two accounts stolen my identity stolen and its a program violation how that when I provided proof it wasnt even my phone that made the so called transactions I have a XXXX XXXX  accounts under XXXX and XXXX I also provided all the picture screen shots from last few times and I asked where went all the records cause its a blank cash app with just my name now its crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I got a loan for {$400.00} and was making the payments on time and had a situation come up to where I needed to refinance. I refinanced for another {$600.00} which made the entire loan come out to {$1000.00}. I been making the payments since then and stopped in XXXX of XXXX because after looking at my bank statements not only did I pay the {$1000.00} back I also paid an additional {$1500.00} on top of the {$1000.00} already paid back. Then told the title loan company I wasn't going to pay anymore money and said they wanted another {$600.00} to refinance the loan to make more payments and told them no and have been threatening to repossession of my vehicle...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I found accounts on my credit report that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They call repetitively everyday from hundreds of different numbers but every number says on the ID ( PORTFOLIORECOV ) SO I KNOW IT'S THE SAME COMPANY I keep telling them they have the wrong number but they won't stop calling I asked him one time to give me information about who they're looking for and they hang up on me but they continue to call it makes no sense At this point whether it's my debt or not I do not want these constant phone calls- my phone number is for personal use for family I have a XXXX  child when I get a phone call in the middle of the day it triggers my XXXX  and I worry that it's a school but every time it's these people and I want this to stop and they won't stop and it's been months If you need a list of all the phone numbers that continue to call from I started blocking them but there's so many numbers I can't stop it I can provide a list

Company response to consumer: Closed with explanation