vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
I am filing a formal complaint against Transunion Equifax and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite my efforts to resolve these issues directly with both companies, they have failed to address the inaccuracies in my credit reports, causing significant harm to my financial well-being. 

Violations : Failure to Maintain Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Both Equifax and Experian have reported inaccurate information on my credit reports, failing to follow reasonable procedures to ensure maximum possible accuracy, as required by the FCRA. 
Inadequate Reinvestigation of Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Upon disputing the inaccuracies, both agencies conducted insufficient reinvestigations, neglecting to consider all relevant information provided, in violation of their obligations under the FCRA. 
Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Both agencies have allowed previously deleted inaccurate information to reappear on my credit reports without proper notification, contravening FCRA guidelines. 
Failure to Provide Opt-Out Notices ( 15 U.S.C. 1681b ( e ) ) : Neither Equifax nor Experian informed me of my right to opt out of prescreened offers of credit and insurance, as mandated by the FCRA. 
Supporting Evidence : Copies of my credit reports from Equifax and Experian highlighting the inaccuracies.

Copies of dispute letters sent to both agencies.

Correspondence received from Equifax and Experian regarding my disputes.

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate Equifax and Experian for the aforementioned violations.

Compel both agencies to correct the inaccuracies in my credit reports.

Ensure that both agencies implement adequate procedures to prevent future occurrences.

Impose appropriate penalties on Equifax and Experian for their non-compliance with the FCRA.

Conclusion : The negligent practices of Equifa
x and Experian have caused undue hardship, including denial of credit and emotional distress. I urge the Consumer Financial Protection Bureau to take immediate action to enforce compliance with the FCRA and protect consumers from such unfair practices. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

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 2025-03-09 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: LA

Complaint narrative:
I am filing a formal complaint against Transunion Equifax and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite my efforts to resolve these issues directly with both companies, they have failed to address the inaccuracies in my credit reports, causing significant harm to my financial well-being. 

Violations : Failure to Maintain Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Both Equifax and Experian have reported inaccurate information on my credit reports, failing to follow reasonable procedures to ensure maximum possible accuracy, as required by the FCRA. 
Inadequate Reinvestigation of Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Upon disputing the inaccuracies, both agencies conducted insufficient reinvestigations, neglecting to consider all relevant information provided, in violation of their obligations under the FCRA. 
Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Both agencies have allowed previously deleted inaccurate information to reappear on my credit reports without proper notification, contravening FCRA guidelines. 
Failure to Provide Opt-Out Notices ( 15 U.S.C. 1681b ( e ) ) : Neither Equifax nor Experian informed me of my right to opt out of prescreened offers of credit and insurance, as mandated by the FCRA. 
Supporting Evidence : Copies of my credit reports from Equifax and Experian highlighting the inaccuracies.

Copies of dispute letters sent to both agencies.

Correspondence received from Equifax and Experian regarding my disputes.

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate Equifax and Experian for the aforementioned violations.

Compel both agencies to correct the inaccuracies in my credit reports.

Ensure that both agencies implement adequate procedures to prevent future occurrences.

Impose appropriate penalties on Equifax and Experian for their non-compliance with the FCRA.

Conclusion : The negligent practices of Equifa
x and Experian have caused undue hardship, including denial of credit and emotional distress. I urge the Consumer Financial Protection Bureau to take immediate action to enforce compliance with the FCRA and protect consumers from such unfair practices. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX Equifax & XXXX I am writing to formally dispute certain information on my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that there are inaccuracies that may have resulted from negligence or failure to fulfill the duties required by the credit reporting agency.

Upon reviewing my credit report, I have identified the following issues, which I believe to be the result of incorrect or incomplete reporting : Account Name : National credit systems Account Number : XXXX Disputed Information : fraudulent account and shouldnt show past due balance. & also XXXX removed it off my credit but not Equifax and XXXX. 

According to FCRA Section 1681, consumer reporting agencies have a legal obligation to ensure the accuracy and completeness of the information in their reports. I am asserting that the inaccurate reporting on my credit report has harmed my creditworthiness and is potentially due to negligence, failure to investigate, or inadequate verification of the provided information.

I kindly request that you investigate the accuracy of this information and correct any inaccuracies promptly, as outlined in the FCRA. Additionally, under Section 1681o, I am asserting that I am entitled to damages resulting from any negligence on your part, as this error may have impacted my ability to secure credit or caused undue harm to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Please review and sign your identity theft report. 
This is your official statement about what happened to you. 
Federal Trade Commission : XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX  XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Phone : XXXX Email : XXXX Personal Statement I am writing to formally notify the FTC of a significant data breach that has occured with XXXX, one of the major consumer reporting agencies. This breach has comprimised my personal and credit information and has caused harm to my trust. I am demanding these accounts be removed from causing futher harm to my property. I have notified XXXX and they remain unbothered and my credit report remains unchanged Accounts Affected by the XXXXXXXX XXXX XXXX  Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Charges to My Credit Card Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

DE XXXX XXXX XX/XX/year> Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I sent a certify mail requesting that this negative item be remove from my credit file being that it was unverifiable on several occasions. XX/XX/XXXX, XX/XX/XXXX and I have yet to receive verifiable information. It is hurting my XXXX XXXX and I would love for it to be remove from the XXXX credit bureaus such as XXXX, XXXX, experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
There are data breaches of all my personal information on my credit report from XXXX. Please remove all unauthorized data and debt listed on my credit report 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I have no knowledge of what this account entails. Noticed it on my credit report. I have never done business with Eastern accounts, not sure why they have access to personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX and Experian have inaccurately reported a 30-day late payment on my credit report, which is causing unjust harm to my creditworthiness. 

Details of the Issue : Account : XXXX XXXX. 
Date of Reported Late Payment : XX/XX/year> Issue : My account was closed on XX/XX/year>, yet Experian and Affirm reported a late payment on XX/XX/year> after closure, which is a clear inconsistency and misreporting. 
Balance : {$0.00} ( the account was paid in full ) Credit Reporting Violation : This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which requires data furnishers to report only accurate and verifiable information. 

Actions Taken : 1. I disputed the late payment with Experian and requested verification. 
2. I contacted XXXX regarding this issue, but they have failed to correct or provide proof of the validity of this late payment. 
3. As of today, the late payment remains on my credit report, negatively affecting my credit score and financial standing. 

Requested Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report. 
Correction of my account history to reflect Paid as Agreed without any delinquencies. 
Written confirmation from Experian and XXXX stating the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself.

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 2025-03-09 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023

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 2025-03-09 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: PA

Complaint narrative:
this company is not reporting accurate payment history and account history.

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 2025-03-09 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: PA

Complaint narrative:
this company is not reporting accurate payment history and account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Request for Debt Verification and Removal of Closed Credit Card Account XXXX XXXX  XXXX, I am writing to formally request verification of several closed credit card account that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or unverifiable information reported on my credit file. 
Account Details : Creditor Name : XXXX XXXX  and XXXX XXXX XXXX, XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ) Account Number ( Last 4 Digits ) : XXXX Credit Report Showing the Account : XXXX, XXXX, XXXX Reason for Dispute : These account was closed and should no longer be reported as an outstanding or delinquent debt. 
I have not received sufficient proof verifying the accuracy of these accounts reporting. 
Under the FCRA Section 609, I am requesting documentation that confirms the validity and correct reporting of these account. 
Requested Action : XXXX. Verification of the account Provide documentation confirming that these credit card account is being reported accurately, including its closure status, final balance ( if any ), and payment history. 
XXXX. Removal of the account If this account can not be verified, I request its immediate deletion from my credit report. 
XXXX. Correction of any inaccuracies If there are errors in the reporting of this account, I request that they be corrected immediately. 
Per the Fair Credit Reporting Act, I expect an investigation and response within 30 days. If you can not verify this account with the requested documentation, it must be removed from my credit report. 
Please provide me with a written statement confirming the resolution of this matter. If this request is not addressed properly, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NE

Complaint narrative:
I was called on my work cel. phone ( XXXX ) by Shepard Outsourcing and told that I owed a debt of {$350.00} that was incurred with XXXX ( or XXXX? ) XXXX on XX/XX/scrub>/2021. 

I was told the debt could not be collected upon but that demands and dunning for payment are being pursued anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-09 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: TX

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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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