vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to bring attention to the mishandling of my credit information by TransUnion and to seek your intervention under the Fair Credit Reporting Act ( FCRA ). My efforts to resolve issues regarding unauthorized credit inquiries have been met with disregard and failure to comply with legal standards by TransUnion. 

Background : Over the past months, I have identified multiple unauthorized inquiries on my credit report, which were made without my explicit consent. These inquiries have adversely affected my credit score and my ability to secure financial services on favorable terms. 

Details of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incident of Non-Compliance : Despite providing proper identification and following the prescribed procedures for disputing inaccurate information, TransUnion failed to acknowledge my right to dispute. They have inaccurately claimed that I did not properly identify myself and ignored my follow-up communications. All my requests were submitted via certified mail, with receipts confirming their delivery. TransUnion 's lack of response and dismissal of my legitimate concerns suggest a willful ignorance and a potential systemic issue within their dispute resolution processes. 

Action Taken and Ignored : I have repeatedly contacted TransUnion to remove these unauthorized inquiries and provided all necessary documentation to verify my identity and substantiate my claims. However, TransUnion has neither acknowledged my disputes in a meaningful way nor taken action to investigate or rectify the unauthorized inquiries, directly contradicting the requirements set forth by the FCRA. 

Demands and Damages : Immediate Investigation and Removal : I demand a comprehensive investigation into these unauthorized inquiries and their immediate removal from my credit report.

Compensation for Damages : I am seeking compensation for the direct impact on my financial health, including statutory damages for each FCRA violation, and any additional financial losses and emotional distress caused by this ordeal.

I urge the CFPB to take immediate action against TransUnion for their negligence and failure to uphold my rights under the FCRA. Their actions have not only infringed on my legal rights but have also set a precedent that could negatively impact other consumers.

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 2025-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: TN

Complaint narrative:
i started to receive emails, once i opted out, I started to get calls every day. It to be to where i would just say cease and deist. my kids know to text first. acct # XXXX XXXX XXXX XXXX ( c ) - debt collector must stop contacting the consumer if the askes them in writing to cease all contact.

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: IL

Complaint narrative:
I am contacting you to formally address critical issues I have identified in my credit report. After carefully reviewing my report, I noticed several discrepancies, such as accounts that I do not recognize, unauthorized credit inquiries, and billing inconsistencies. These errors are having a detrimental effect on my financial security, and I urge you to take immediate action to resolve them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
On XX/XX/year> I sent my FTC report to experian, transunion and equifax. I have fraudulent accounts reporting on my consumer reports.

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 2025-03-30 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: PA

Complaint narrative:
On XX/XX/year> I sent my FTC report to experian, transunion and equifax. I have fraudulent accounts reporting on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: OR

Complaint narrative:
I was in the process of purchasing a XXXX through Westlake Financial when I was involved in a XXXX  car accident caused by an XXXX XXXX, which drastically impacted my life and ended my career. As a result of the accident, I had to undergo XXXX to have my XXXX XXXX XXXX XXXX though doctors were able to save it. Unfortunately, I am now waiting for a third XXXX. The accident occurred on XX/XX/XXXX, and before that, I had never missed a payment. 

I also had gap insurance, but for reasons unknown, it didnt cover everything. The XXXX companys insurance covered nearly the entire vehicle, leaving just about {$1700.00} unpaid. My lawyer sent multiple letters of representation to Westlake Financial, but they refused to communicate with him, even when I requested they do so. My lawyer was the one who paid out the insurance claim, and when Westlake refused to accept the payment, he considered the matter settled.

Despite this, Westlake Financial continues to report inaccurate information, making it appear that Ive missed payments since my accident in XXXX, up until now, in XXXX. At the same time, they are reporting that the account was closed and paid off several years ago. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). This federal law, codified in 15 U.S. Code 1681 et seq., ensures accuracy, fairness, and privacy in consumer credit reports. 

I am requesting the removal of this item from my credit report due to these violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
I have been attempting to log into Experian and had difficulties with the user name and password. It is likely that I forgot which of my several emails is associated with the account. However, I learned that the email address associated with my credit file is decidedly not mine. 

I have been asked to provide the front and back of my state ID, an account statement with my name and address, and the front and back of my social security card. I have not seen my social security card in XXXX  years, so I am hopeful that my passport card will be accepted. 

I have NO WAY to submit materials quickly online to clear the dispute. The online upload button does not work and has not worked since at least XX/XX/year>. I have attempted for over XXXX weeks to upload the documents, but Experian has failed to fix its broken link. I also responded to an email Experian sent me, but no one ever got back to me ( the email Experian sent me did not indicate that it was a " do not reply '' email address ). Last, but not least, the contact telephone number that Experian sent me by mail ( XXXX ) is a non-working number! I had to sleuth Experian 's site to find a working number. 

To recap, somehow there is an incorrect email address associated with my credit file. I have had absolutely nothing to do with my credit file, everit is something Experian created and makes money with. I discovered something possibly fraudulent and instead of there being an easy fix, I have now spent hours trying to fix it and work around Experians incompetent online systems and security settings. There being no way other way, I am now mailing highly confidential information to some XXXX XXXX XXXX Texas instead of being able to quickly upload material securely on-line.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Recovery Solutions, Inc.
State: PA

Complaint narrative:
I have previously disputed this account, with inaccurate report by XXXXXXXX XXXX XXXX  Although I have attempted to resolve this account only to learn XXXX has been falsely reporting to all XXXX credit bureaus despite having ownership of this account.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Mishandling of {$5000.00} Dispute Citi Failed to Notify or Act Within Required Timeframes ( Follow-up to Case # XXXX ) XXXX filing a follow-up complaint regarding a dispute with Citi on a {$5000.00} charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). 

Citi claimed my documents were illegible but failed to notify me before the submission deadline ( XX/XX/year> ), despite receiving XXXX submissions ( XX/XX/XXXX & XX/XX/XXXX ). No secure upload portal or re-submission path was provided. 

Citi also acknowledged initiating a chargeback, but admitted it was too late to process due to missed XXXX deadlines a failure on their part, not mine. 

This appears to be a violation of my rights under Regulation Z ( Truth in Lending Act ), and I believe Citi is avoiding accountability for procedural mismanagement. 

I am requesting that the CFPB reopen this matter, investigate Citis delay and failure to notify, and hold them accountable for their obligations under federal law.

Please : Provide timestamps of all communication attempts Specify why the documents were illegible Explain why they didnt notify you that they were illegible until after the deadline passed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring to your immediate attention several inaccuracies in my credit report that require urgent resolution. Upon reviewing my report, I identified multiple errors, including accounts I did not authorize, unauthorized inquiries, and inconsistencies in reported balances. These inaccuracies are negatively impacting my financial situation, and I need your assistance in addressing them.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These companies XXXX XXXX XXXX XXXX and XXXX is in clear violation of the law. Under 15 USC 1681b- permissible purpose of a consumer report, the law clearly states ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I didnt give written instructions to furnish this account on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title. Any report containing information solely as to transactions or experiences between the consumer and the person making this report.

Company Name : XXXX XXXX XXXX Account # last four digits : XXXX begging four digits of account # XXXX Company Name : XXXX  Last 4 of the account # XXXX Last 4 of the account # XXXX Last 4 of the account # 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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These companies XXXX XXXX XXXX XXXX and XXXX is in clear violation of the law. Under 15 USC 1681b- permissible purpose of a consumer report, the law clearly states ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I didnt give written instructions to furnish this account on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title. Any report containing information solely as to transactions or experiences between the consumer and the person making this report.

Company Name : XXXX XXXX XXXX Account # last four digits : XXXX begging four digits of account # XXXX Company Name : XXXX  Last 4 of the account # XXXX Last 4 of the account # XXXX Last 4 of the account # 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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was hacked on cashapp and someone took XXXX dollars from my account, I requested cashapp to refund it immediately and was denied despite fraud request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Collection Account Violation of Regulation F ( 12 CFR Part 1006 ) To Whom It May Concern, I am disputing the accuracy and validity of the following collection account appearing on my credit report : I have no knowledge of the account or the collection agency and I have not signed any contracts with this collection agency, nor have I ever done any business with this collection agency. 

Midland Credit Management Account XXXX : XXXX Amount : {$1500.00} Under Regulation F ( 12 CFR Part 1006 ), enacted by the Consumer Financial Protection Bureau ( CFPB ), debt collectors are required to provide detailed validation information when reporting debts and must comply with strict communication and documentation requirements.

I am asserting my rights under 1006.34 ( a ) ( 1 ), which mandates that collectors provide a validation notice containing itemized details of the debt, including the original creditor, itemized breakdown, and my right to dispute the debt within 30 days. If this information was not provided to me in compliance with the law, the debt is improperly reported and must be removed.

Additionally, 1006.30 ( a ) prohibits deceptive or unfair collection practices, including reporting unverified or time-barred debts. If the collection agency failed to comply with these legal requirements, they are in violation of federal law, and this account must be deleted from my credit report immediately.

I demand that you conduct a full investigation and either provide documented proof that this account was reported in full compliance with Regulation F or delete it from my credit report. Failure to comply will result in formal complaints filed with the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action if necessary. 



This is a formal demand for deletion, not merely an update or verification. Please provide written confirmation of removal within 30 days of receipt of this letter. 

Respectfully submitted, XXXX XXXX

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 status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I want to remove all inaccurate information off my account including accounts. 

See accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Collection Account Violation of FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) To Whom It XXXX Concern, I am formally disputing the validity of the following collection account that appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1100.00} Creditor/Collection Agency : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$1500.00} Creditor/Collection Agency : XXXX XXXX XXXX Account XXXX XXXX XXXX Amount : {$940.00} Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported debts are accurate, verifiable, and legally enforceable. I am invoking FTC v. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ), which establishes that debts resulting from unfair, deceptive, or illegal collection practices can not be legally enforced or reported. 



If this debt was purchased from another entity, I demand proof that the original creditor had the legal right to sell or transfer it, as well as a full validation of the debt, including a signed agreement proving I owe the stated amount. If you can not provide this, you must immediately delete this account from my credit file under federal law. 



Failure to comply will result in a formal complaint with the Federal Trade Commission ( FTC ), and my state attorney generals office. Furthermore, I am prepared to seek legal remedies for damages caused by this inaccurate reporting. 



This is a formal demand for deletion, not merely an update or verification. Please respond in writing within 30 days of receipt of this letter to confirm the removal of this account. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief