vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( 60-81-0 Dear Equifax , Transunion Dispute Department , I am writing to formally dispute the inaccurate reporting of a civil liability under code 60-81-0 on my credit report. Upon reviewing my credit file, I have identified incorrect and misleading information that I believe is the result of negligent non-compliance with credit reporting laws and regulations.

Details of the Disputed Item : Account Name/Number : [ Provide details of the disputed account ] Creditor or Reporting Entity : [ If applicable ] Date of Reporting : [ If known ] This civil liability claim is incorrect because [ explain why the item is wrong, e.g., I have never been involved in such a case, The debt has been satisfied or dismissed, The reporting violates FCRA regulations , etc. ]. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Equifax is required to maintain accurate and verifiable information. Failure to correct this inaccuracy constitutes negligent non-compliance, which may expose your company to legal liability.

I request that you immediately investigate this matter and either : 1. Provide verification of the accuracy of this entry in compliance with FCRA guidelines, or 2. Delete this erroneous information from my credit report if it can not be substantiated.

I have attached supporting documents to verify my identity and dispute, including : A copy of my government-issued ID ( drivers license, passport, or state ID ) A recent utility bill or bank statement as proof of my correct address Any court documents, correspondence, or proof of prior disputes Attached to this letter are copies of relevant supporting documents, including [ list any documents you are providing, such as a court order, proof of payment, or identity verification ].

Under the FCRA, you have 30 days to complete your investigation and respond to my dispute. Please confirm in writing that this inaccurate item has been removed or provide a detailed explanation of your findings.

If this matter is not resolved promptly, I am prepared to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for damages caused by Equifaxs negligent reporting.

I appreciate your immediate attention to this matter. You may respond to me in writing at the address listed above or via email. 



Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Buyers Credit LLC
State: FL

Complaint narrative:
Company is falsely putting debt on my credit continuously and changing the debts dates

Company response to consumer: Untimely response
Consumer complaint received 2025-03-07 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: CL Holdings LLC
State: NY

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC, regarding their refusal to provide proper debt validation as required by law. I formally requested a copy of the original agreement bearing my signature to verify the legitimacy of the debt they are attempting to collect. Instead of providing this essential documentation, they responded by instructing me to take the matter up with the CFPB, Attorney General, and Better Business Bureau, while continuing to assert their right to collect.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I have the right to receive full validation of the debt, including proof of my obligation to pay and their authority to collect. Their failure to provide such documentation and continued collection attempts without proper verification violate my consumer rights.

I request that the CFPB investigate this matter and compel Jefferson Capital Systems , LLC, to provide the following : A copy of the original signed agreement that allegedly obligates me to pay this debt.

A full itemized breakdown of the debt, including principal, interest, fees, and payments.

Proof that they have the legal right to collect this debt.

I seek immediate resolution, including cessation of any collection efforts until proper validation is provided. Their failure to comply should result in appropriate enforcement actions.

Resolution Requested : Provide full debt validation, including all requested documents.

Cease collection attempts until proper validation is completed.

Investigate Jefferson Capital Systems , LLC for potential violations of the FDCPA and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to XXXX XXXX XXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 2025-03-07 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: FL

Complaint narrative:
I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my knowledge or consent : XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). 

I did not authorize or apply for these accounts, nor have I ever conducted business with these companies. Despite disputing these accounts with the credit bureaus, they remain on my credit report, negatively impacting my credit profile. I have provided an FTC Identity Theft Report and a government-issued ID as proof of the fraud. I am requesting that these accounts be permanently removed from my credit report as required under FCRA 605B.

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 2025-03-07 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: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On my XXXX credit report, there is a collection from southwest credit systems stating that they're the original creditor and the debt is XXXX XXXX XXXX. A debt collection company is not an original creditor, and I have no balance that is XXXX XXXX XXXX. I don't know what this is. I have disputed it with XXXX, and XXXX does nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 explanation
Consumer complaint received 2025-03-07 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: PA

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 non-monetary relief
Consumer complaint received 2025-03-07 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: LA

Complaint narrative:
So I had purchased a XXXX  XXXX XXXX XXXX On XXXX XXXX I was paying a note on the car so after like a couple of weeks my car started to act up I took it back to the dealership so they can take a look at it I cant remember the date to that but I took there I guess they fixed it but the same problem happened again so this time I took it to XXXX they fixed it everything was fine up until one day a lady hit me from behind and made me run into some one else credit acceptance called me and I told them where the car was they told me I still had to pay on the car that was understandable they also stated that they was not picking up the car from repo! So years passed I couldnt afford to pay anymore.

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 2025-03-07 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: MD

Complaint narrative:
XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN

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 2025-03-07 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: RI

Complaint narrative:
XXXX A XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, RI XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate information that is currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any discrepancies that may exist in my credit report.

Upon reviewing my credit report, I noticed the following accounts that I believe are inaccurate and must be corrected or removed : 1. : [ XXXX XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Reported Date : [ XXXX, XXXX ] Reason for Dispute : [ " This account is not mine ] I request that you conduct a thorough investigation of these entries and remove or correct any inaccurate information according to the guidelines set by the FCRA XXXX Under FCRA Section 1681i, you are required to complete the investigation within 30 days of receiving this dispute, and you must provide me with the results of the investigation. 

Please inform me of any action taken in response to this dispute and provide me with an updated copy of my credit report once the investigation has been completed. Should you require any further information or documentation to support this claim, please let me know immediately. 

Thank you for your attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made to my credit report. 
Sincerely, [ 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and XXXX mail sent thereof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find incorrect accounts listed, and I dont know the reason behind it. I review my credit report regularly, but this time, there were errors that I had never seen before. I tried refreshing the page, assuming it might be a temporary issue, but nothing changed. Because of this, I request a careful review of the documents I have provided so that I no longer have to worry about this problem.

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