vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Under 15 USC 1681c-2 ( a ), any accounts that are found to be opened or accessed as a result of a data breach must be blocked within XXXX ( XXXX ) business days of the dispute being filed.

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 2025-05-06 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 dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
Called them back after they had called me : they said they were contract callers inc. called them at XXXX XXXX. asked the rep who she worked for other than contract callers inc she said she can not provide me that information. Asked for a XXXX. XXXX XXXX got on the line and I asked who they work for for example car companies, loan company, utility company and he said he will not disclosed that to me. I asked them to mail me something if they need to get in contact with me. They said they will not do that if I cant verify the person I am not verifying my sensitive information to someone I do not know who they are working for or with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint concerns Equifaxs failure to correct multiple inaccurate and incomplete accounts on my credit reporteven after I submitted a formal written dispute on XX/XX/XXXX, which included valid identification documents. 

Despite providing proper documentation to verify my identity and clearly identifying the disputed accounts, Equifax has failed to correct or delete the inaccurate information. It has now been over 30 days, and the disputed accounts remain unresolved and continue to negatively impact my credit standing. 

This was my second request to Equifax, and they have still not responded with any evidence of a proper reinvestigation or provided verification from the furnisher of the XXXX XXXX XXXX  reporting. Their inaction constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires timely and reasonable investigation of disputed information. 

As of today, Equifax has failed to respond. I believe they did not conduct a reasonable or lawful investigation, which violates the FCRA. Their actions mirror those in the CFPBs recent enforcement action : In Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the CFPB alleged that XXXX violated the FCRA by : Failing to conduct proper investigations of consumer disputes Re-inserting inaccurate information without notice Misleading consumers about dispute outcomes This type of conduct is not isolated and now appears to be a systemic failure in the credit reporting industry. Equifaxs actions have caused me financial harm and emotional distress due to their refusal to remove clearly inaccurate items despite being properly notified. 

I also requested confirmation of the furnisher of the XXXX XXXX XXXX XXXX To date, Equifax has failed to confirm whether the United States Northern District Court is actually furnishing this public record, which is required for accuracy under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Received calls from a person names XXXX demanding I call him at ( XXXX XXXX XXXX XXXX XXXX. XXXX his law firm has filed a civil case # XXXX over unpaid credit card debt from XXXX States they have filed a lien on a home I am partial owner to in XXXX 

I called him but he would not provide the address for the XXXX XXXX XXXX XXXX XXXX he is with nor would he state where the case was filed. He has the last XXXX of my XXXX and he knows the credit limit on my XXXX XXXX and says they will freeze my XXXX XXXX and begin garnishing my wages. Demands that I settle the over {$20000.00} debt to avoid further consequences.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE Last Year I Went Through A Financial Slump And Was No Longer Able To Pay My Money Payments. 

In XX/XX/XXXX I Received Emails Letting Me Know That My Account Would Be Closed If I Failed To Make A Payment. 

In XXXX I Made A Payment And Noticed That My Account Has Been Restricted. Since Then Ive Been Paying {$500.00} A Month. 

On XX/XX/XXXX I Called Capital One To See About Getting My Account Unrestricted And I Was Transferred To A Account Specialist. This Specialist Told Me That My Account Should Have Been Unrestricted Since XX/XX/XXXX, She Would Send In A Appeal And It Should Be Unrestricted In Less Than 2 Weeks. 

I Called Again On XX/XX/XXXX For A Update, I Was Told That My Account Has Been Permanently Restricted And Will Be Closed. That They Have No Record Of The Previous Specialist Telling Me That Itll Be Unrestricted. Theres Nothing I Can Do, My Account Will Be Closed After I Pay My Balance. 
Capital One Is Misleading And Unprofessional. I Dont Want My Account To Close And Negativity Impact My Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I put in for a recast on my loan in XXXX. No response. Sent {$370000.00} dollars for the modification. Messaged them in XXXX and no answer. Even had my broker try and call since he got us with UWM. No answer. XX/XX/year> I sent a message to the recast dept. XX/XX/XXXX I get a message stating you will send me documents. Never got those documents on modification. I called into UWM and they finally sent me the document on XX/XX/XXXX. I filled that out and sent it to them. Message on XX/XX/XXXX that I needed to call in and pay {$150.00} for processing. Called in and paid that. I've also called in multiple times to talk to someone in the recast dept and never get to talk to anyone. They keep calling me asking for the full payment without the modified agreement. I've now paid aprox. {$15000.00} in interest fees to them because they are slow rolling the recast. I made a couple posts on XXXX XXXX XXXXXXXX ) on their webpage post and within XXXX minutes I got a message from them to call. So they obviously don't want this on social media. I have spent the rest of my savings trying to keep up with this {$6000.00} mortgage that should be about {$3000.00} or less. Not only has it financially strained me but also the stress in my household wondering if we are going to lose our new house. I firmly believe I am not the only ones this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Kikoff Inc.
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXXXXXX  Last XXXX of SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions, LLC along with XXXX XXXX XXXX  credit bureaus are reporting an account having an account XXXX XXXX XXXX XXXX on my credit report that does not belong to me. I never entered into any agreement with them, and I certainly have not authorized any transactions. So, I am demanding that these people remove this from my credit reports immediately.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-06 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: LEXISNEXIS
State: AZ

Complaint narrative:
The agency is reporting a bankruptcy to the credit bureaus that was never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding two Affirm accounts that are still listed on my XXXX credit report, despite both being sold to third-party debt collectors : XXXX and XXXX XXXX. Affirm no longer owns these debts, yet XXXX continues to report them as active and verified under Affirm. 

Disputes have been submitted three separate times, and XXXX  continues to mark these accounts as verified with no meaningful proof or documentation : XX/XX/year> XX/XX/year> XX/XX/year> Accounts : XXXX {$120.00} XXXX - {$520.00} I have attached supporting documentation showing that these debts were sold. I have no knowledge of these third-party companies and never entered into any agreement with them. The continued reporting by Affirm through XXXX is inaccurate, and repeated disputes to XXXX have not resulted in a proper reinvestigation or correction. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

15 U.S.C. 1681i ( a ) requires XXXX to conduct a reasonable reinvestigation after receiving notice of a dispute and to delete or correct any information that can not be verified. 

XXXX  has failed in both obligations by allowing Affirm to continue furnishing information it no longer owns, and by verifying disputes without proof. This is materially harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously submitted an FTC report to Experian and XXXX to dispute this account. The XXXX account was investigated and came back as a fraudulent account due to identity theft. The account was added back on my credit report now reporting by ( XXXX XXXX ). I am not sure how this company ( XXXX XXXX ) was able to purchase a fraudulent previously disputed account. 
I have enclosed a copy of the same FTC Identity Theft Report I previously submitted.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had the car a little under a year the car was wrecked i then gave the car company the address to receive the car from the impound, the car sat on the impound for over 200 days! Which after a certain amount of time they sold the car. Not only did they never go retrieve the car they knew were it was & has left the car on my credit & still is reporting it as if payments are being missed. Mind you this was over 2 years ago!! This is been so stressful, i honestly thought it would be the right thing to pick up the car & close the account.

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 2025-05-06 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act. The company that listed these addresses on my credit file has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 2025-05-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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