vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Writing to formally dispute several inaccurate and unverifiable entries on my credit report, which directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and ( e ). This dispute is further amplified by the recent class action lawsuit filed against your company regarding improper credit reporting practices, highlighting the need for immediate and thorough investigation of my credit file within 5 business days as per the FCRA 's mandated timeframe for dispute investigations. Please provide me with written confirmation of the removal of these disputed items and any further steps you will take to ensure the accuracy of my credit report moving forward. Failure to comply with this request will leave me no choice but to pursue further legal action against your company, including potential class action claims based on the recent lawsuit. 
I would like to dispute the following from my credit report and have the items removed based on the following : 15 US Code 16812 ; 15 US Code 1681 ( a ) 4:15US Code 1681 ( b ) 2 ; US Code 1681 ( q ) ; and 18 US Code 1028A. The accounts listed should be removed from my credit report based on 15 U.S. Code 1681 ( b ) as well as any accounts listed under 15 U.S. Code 1602 ( p ) any accounts listed under each of the codes above must be removed within 5 business days from the date of this letter.

Per 15 U.S. Code 1681 ( e ) and 1681 ( i ). The following items are hereby in dispute which needs to be removed no later than 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  Thank you in advance for your prompt attention to the above items. The reports to be corrected is the Transunion report, the experian report and the equifax 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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX signed as a co signer on a lease in the person I trusted let the vehicle go back without notifying me on the situation. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MO

Complaint narrative:
On XX/XX/2025 I received a letter from XXXX XXXX  saying that CarMax had ran an application for a credit sale or lease of an automobile for other product to myself and ask whether i will be prepared to accept the obligation if the transaction was complete I never gave written consent to CarMax to run any credit for any automobile in CarMax did it without my consent which in return hurt my credit scores from all three reporting agencies and is liable for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

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 2025-02-22 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: TX

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the last several months, formal complaints have been filed against TransUnion for their insufficient investigation into the inaccurate reporting of information on my credit file. Despite noted evidence of this matter, which was submitted from my attorney, it appears that TransUnion chooses to look the other way. Evidence of misreporting was delivered to Trans Union via certified mail from a law firm. But unfortunately for me, Trans Union stated that they will ONLY review inaccuracies reported to Trans Union and will not compare the information against other credit bureaus. 

Today, I am submitting more evidence that XXXX XXXX XXXX  did indeed report a late status on my credit report during the month of XXXX and the year XXXX, But somehow the records of today have erased that evidence and their continued harmful reporting shows that this account will remain on my file to the year XXXX. 

I am requesting an outside investigation into TransUnion and into this account. Please note that during the year of XXXX, XXXX XXXX XXXX  had sold the account to a 3rd party debt collector, but continued it's collection reporting at the same time the XXXX XXXX XXXX was reporting. Both companies were showing a balance owed, which XXXX XXXX did not change the balance to XXXX, as noted by the Law. 

I would like the CFPB to review, investigate, and provide guidance to TransUnion regarding the legal guidelines as indicated by the FDCRA. 

Thank you,

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 2025-02-22 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 noticed about 5 hard credit inquires that I didnt authorized. The first one being from XXXX XXXX which reportedly was opened XX/XX/XXXX and then 4 from XXXX  XXXX which were reportedly open, one on XX/XX/XXXX, the second one XX/XX/XXXX, third one XX/XX/XXXX, the last one XX/XX/XXXX. I filed a fraudulent report with the FTC.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
This company is charging XXXX percent interest. I never sign up for anything wirh this high interest. I pay almost XXXX dollars a month and theres not even XXXX dollars on the account after month of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act. 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 and regulation E. These actions have caused a significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: NY

Complaint narrative:
Well I got a XXXX  day loan from this company which had a early buy out option my last payment was XXXX I sent it in they sent me a email saying it was closed they tried to take extra money out my bank account so a blocked it then they opened back up I called them they said reopened because I blocked the account after I sent the final payment and they have bad customer service and management is terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. 

15 USC Code 1681e ( b ) Accuracy of report 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 Code 1681i5 ( A ) In general If, 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. 

I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : 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 2025-02-22 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: NJ

Complaint narrative:
In accordance with the FCRA ( XXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ). States I have the right to privacy.15 USC 1681 section 604 ( a ) section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
Exposed to data breach 605 b

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 2025-02-22 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I started getting phone calls from this credit card company for a credit card, I have not applied for any credit card. I then received bills in the mail showing I owe. I sent a letter to the company in which they sent me a fraud letter that I need to fill out and get notorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
BANKRIPTCY US XXXX  DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXXXXXX 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have ask to have all inaccurate information that was on my report according to 15 USC 1681. However checking my report and all information that was ask to be removed is still present on my reports. All misspelling of my name, phone numbers that are not mine as well as addresses, but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have ask to have all inaccurate information that was on my report according to 15 USC 1681. However checking my report and all information that was ask to be removed is still present on my reports. All misspelling of my name, phone numbers that are not mine as well as addresses, but nothing has been done.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of multiple items listed on my credit report with Experian. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) indicate systemic issues with Experians investigation process, including failure to properly investigate disputes, reliance on unreliable furnishers, and inadequate dispute resolutions. 

I believe several accounts on my credit report are inaccurately reported as a result of these issues. Under the Fair Credit Reporting Act ( FCRA ), I request a comprehensive reinvestigation of all disputed items. I expect Experian to conduct a thorough review, forward all relevant dispute information to the respective furnishers, and provide me with the investigation results in a timely manner. 

Please remove or correct the inaccurate information and provide me with an updated credit report. 

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

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 2025-02-22 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have disputed accounts on XXXX, XXXX and XXXX for accounts that are not mine that are listed reporting as collections or bad debt. I have requested documents contracts I have not been supplied any on multiple occasions in dating from year XXXX to current year with statement I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE. XXXX. XXXX XXXX ( MO ) XXXX XXXX, XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE DOES NOT EXISTS Accounts listed below as follows XXXX XXXX Reported : XXXX XXXX, XXXX {$690.00} XXXX Reported : XXXX XXXX, XXXX {$480.00} or {$580.00} XXXX Reported : XXXX. XXXX, XXXX {$990.00} LVNV FUNDING LLC Reported : XXXX XXXX, XXXX {$510.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2025-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has neglected its statutory duty under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, there by leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently initiated litigation against Experian, alleging systemic deficiencies, including the failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of consumers regarding dispute outcomes. These shortcomings are consistent with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. Attached files are 2 of many accounts that I have marked as inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Sunbit, Inc.
State: NC

Complaint narrative:
I have disputed accounts on XXXX, XXXX and XXXX for accounts that are not mine that are listed reporting as collections or bad debt. I have requested documents contracts I have not been supplied any on multiple occasions in dating from year XXXX to current year with statement I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE DOES NOT EXISTS Accounts listed below as XXXX Reported : XXXX XXXX, XXXX {$480.00} or {$580.00} XXXX Reported : XXXX. XXXX, XXXX {$990.00}

Company response to consumer: Closed with explanation