vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : FCRA and FDCPA Violations Inaccurate Reporting of Account # XXXX Description of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for unlawful credit reporting practices . Despite prior disputes, they continue to report Account # XXXX with derogatory status, falsely marked " Dispute resolved ; consumer disagrees. '' XXXX XXXX failed to conduct a reasonable investigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and continued to report inaccurate information without verification, violating FDCPA 1692g ( b ).

Additionally, they failed to properly honor fraud alerts placed on my file and refused to cease reporting after dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : FCRA and FDCPA Violations Inaccurate Reporting of Account # XXXX Description of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for unlawful credit reporting practices . Despite prior disputes, they continue to report Account # XXXX with derogatory status, falsely marked " Dispute resolved ; consumer disagrees. '' XXXX XXXX failed to conduct a reasonable investigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and continued to report inaccurate information without verification, violating FDCPA 1692g ( b ).

Additionally, they failed to properly honor fraud alerts placed on my file and refused to cease reporting after dispute 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 non-monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Self Financial Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-31 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND 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 AND XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Acima Digital FKA SimpXXXXXXXX has failed to update my dispute. The original balance was {$4400.00} and it was a term of 12 months with the option of paying original cash balance in 90- days without extra fees. ( ending the lease at 90 days ) The account was surrendered the same year of opening XXXX. The merchandise was donated to non- for profit and company agreed to close the account immediately without further dues. When I requested a dispute to remove the inaccurate balance account, ACIMA when and updated as if I opened the account in XXXXXXXX XXXX XXXX. This is unlawful of the company and not what was agreed on when account was surrendered and closed. I also do not have a past due balance as they claim I due. 
Unfortunately due to the time passed I don't have proof of the non-profit receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was closed and deemed as a duplicate ... .I submitted the original dispute to CFPB on XX/XX/year>. There are two creditors under XXXX XXXX. This dispute is for XXXXXXXX XXXX XXXX under XXXX XXXX. 

The company is a debt buyer and they are refusing to send a 1099 c in their response letter. They have charged off and closed the account. This derogatory information is causing me to not be approved for my business loan and my first home purchase. I am giving this business 4 business days to DELETE this information or I will report them to the Federal Trade Commission for violation of the FCRA - Fair Credit reporting act FCRA 1611 - criminal liability for willful and knowing violations, FCRA 1681c -compliance procedures. I need this information DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 requesting that all items on my credit report be disputed because I believe there may be inaccuracies or outdated information affecting my credit history. I am not sure which specific entries are incorrect, but after reviewing my report, I have concerns about the overall accuracy and completeness of the data being reported.

Here are some of the reasons I am requesting a full dispute : Potential Inaccurate or Outdated Information : I suspect that some of the information reported may not be accurate or current. This includes accounts that may have been settled, closed, or paid off but are still showing as
open or with incorrect balances.

Possible Fraud or Identity Theft : I have concerns that there may be fraudulent activity or identity theft associated with my credit report. I am unsure of whether all accounts and inquiries listed are truly mine, and I want to ensure that no unauthorized accounts or activity are being reported.

Lack of Clarity in Reporting : Some of the information on my credit report appears confusing or lacks sufficient detail. For instance, I am unsure whether certain accounts reflect accurate reporting of payments, credit limits, or terms. 

General Uncertainty About Report Accuracy : After carefully reviewing my credit report, I believe that a full investigation into all of the entries is necessary. I am seeking to ensure that everything listed on my credit report is accurate, complete, and up to date, as I can not confirm the accuracy of some of the reported items. 

Ensure Fair Treatment Under the FCRA : As provided by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or incomplete information. I want to ensure that my credit report is fully compliant with this law, and any items that are incorrect or unverifiable are corrected or 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 2025-03-31 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: FL

Complaint narrative:
I am requesting that all items on my credit report be disputed because I believe there may be inaccuracies or outdated information affecting my credit history. I am not sure which specific entries are incorrect, but after reviewing my report, I have concerns about the overall accuracy and completeness of the data being reported.

Here are some of the reasons I am requesting a full dispute : Potential Inaccurate or Outdated Information : I suspect that some of the information reported may not be accurate or current. This includes accounts that may have been settled, closed, or paid off but are still showing as
open or with incorrect balances.

Possible Fraud or Identity Theft : I have concerns that there may be fraudulent activity or identity theft associated with my credit report. I am unsure of whether all accounts and inquiries listed are truly mine, and I want to ensure that no unauthorized accounts or activity are being reported.

Lack of Clarity in Reporting : Some of the information on my credit report appears confusing or lacks sufficient detail. For instance, I am unsure whether certain accounts reflect accurate reporting of payments, credit limits, or terms. 

General Uncertainty About Report Accuracy : After carefully reviewing my credit report, I believe that a full investigation into all of the entries is necessary. I am seeking to ensure that everything listed on my credit report is accurate, complete, and up to date, as I can not confirm the accuracy of some of the reported items. 

Ensure Fair Treatment Under the FCRA : As provided by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or incomplete information. I want to ensure that my credit report is fully compliant with this law, and any items that are incorrect or unverifiable are corrected or 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 2025-03-31 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: WI

Complaint narrative:
3 yrs l have been trying to fix my credit scores while making on time payments l have paid numerous different credit fix companies. so l can purchase home or try rent a decent home to live due to credit report I am bein denied for closed accounts still showing should be removed. Which seems whenever l start to approach XXXX XXXX credit scores. Something always report or something happens to drop.my credit score Everything does reflect on credit My scores should been reach XXXX XXXX mark are over. Whenever l try trying to apply for establish credit my account drops due to denial. Nothing never approved l have attacted recent denial letter, which shows the given reason why of denied letter shows Trans Union credit report .exsperian reportin records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cashapp many times I have tried to dispute transaction and I was sent false information and spoke with fake customer service representative who took my personal info and sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MN

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief