vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-24 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, 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 explanation
Consumer complaint received 2025-04-24 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: HI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of several items on my Equifax credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request a thorough reinvestigation of the following accounts and inquiries. Given the previous Equifax data breach, I am particularly concerned about the integrity and accuracy of the information reported on my credit profile. 
Please investigate and verify the accuracy of the following accounts : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, please confirm the legitimacy of the following hard inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX If these items can not be verified with complete documentation, they must be removed from my credit report as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am receiving text messages from XXXX XXXX XXXX regarding a debt that does not belong to me. The debt is in my spouses name. I am not listed on the account, have no legal obligation for it, and have never authorized the company to contact me. 


XXXX XXXX contacted me via text message, referring to the debt as my account and including detailed information ( e.g., creditor name, balance, trust number ). 


Additionally, I was able to access the full debt account and balance on XXXX online portal by entering only my spouses month and year of birth. No further authentication was required. This raises serious privacy and legal concerns. 


Furthermore : a. ) I am not the account holder or legally responsible for the debt.

b. ) The company falsely represented the debt as mine ( FDCPA 807 ).

c. ) Disclosing detailed debt information to me violates FDCPA 805 ( b ).

d. ) Allowing access to full account data with minimal authentication may violate privacy laws and CFPB Regulation F.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
on regions bank again on sending me paper statements when i ask not get statements on email ect they chose ito sens statement did not ask for a statment in anyway they chose to send us mail statement and chrarge me XXXX XXXX  for each physical paper statement that i did not request this is illegal business practices, ,ive ask then on two phone calls to not send any us mail statements

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 monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
According to Harris & Harris LTD XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
On or around XX/XX/year>, I submitted a dispute with Experian XXXX XXXX  disputing incorrecting account information with XXXX Account XXXX. The credit report shows a balance past due. In the dispute I provided information from XXXX disputing this information, showing that this account is paid. On XX/XX/year>, Experian denied my dispute saying the information is accurate. This is false and I uploaded documents to prove it. I wish for Experian to delete the account entirely from my credit 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. Despite my prior dispute, the last investigation came back as verified, even though the information in question is not accurate or verifiable according to the stated laws. Under Texas Finance Code 392.001, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. Further, under Texas Finance Code 392.301, a debt collector can not engage in any form of collection or attempt to collect a debt if they are not properly licensed under state law. Therefore, their actions are in violation of Texas law. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any false or misleading representations made by an unlicensed debt collector about their legal authority to collect a debt are prohibited. I request that this information be deleted from my credit report immediately, as it represents a violation of both state and federal law. This is the second time Ive filed a complaint regarding this matter and expect a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NV

Complaint narrative:
The account in question is XXXX acct # XXXX I filed Bankruptcy in XX/XX/year> and on one of my Auto Loans, there is no creditor remarks stating that the account was included in my bankruptcy. Per the FDCPA and FCRA, remarks need to reflect an account as being in bankruptcy and also showing it was discharged as well. The creditor does have my accounts listed in bankruptcy and also discharged, but the credit reporting agency does not. I have included documentation of the notice of BK filing with my wife and I both listed, documentation it was included in the BK, copy of credit report where it shows there is no remarks regarding the account in question and the letter of discharge from the BK court. One of the car loans shows it was properly stating it was included in my BK and the second car loan does not state it was included in my BK.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX was reporting {$840.00} dollars unpaid and sold debt to XXXX XXXX XXXX who refuse to remove incorrect information from my credit reports for all 3 major credit bureaus. XXXX algorithm to provide insurance premium amounts were incorrect and I was paid two XXXX refund checks for XXXX and a second check for approx {$25.00} in XXXX of XXXX. The {$840.00} dollars was paid and the refunds were the credit remaining from being over charged monthly for car insurance. I tried to dispute the incorrect information Credit Collections services was reporting with the 3 major credit bureaus but XXXX was reporting as of XX/XX/XXXX that the account was still open and balance not paid. I then contacted XXXX  by phone in which they wanted to charge me for a report or file they needed to obtain for them to investigate if the account in fact has been paid. XXXX then contacted me and threaten that I would waste time and money disputing with CFPB. Im requesting for this to be removed from my report as if it never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
Northstar Location Services LLC recently sent me a collection letter regarding an alleged debt tied to XXXXXXXX XXXX XXXX, an account I do not recognize, authorize, or remember ever opening. This was entirely unexpected and has raised serious concerns about potential identity theft and the legitimacy of the debt. Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ), I have the legal right to request a full validation of any alleged debt, including the name of the original creditor and proper documentation proving that I am legally obligated to repay it. To date, no such documentation has been provided. Pursuing collection activity without verification is a direct violation of this statute. Furthermore, 15 U.S.C. 1692e strictly prohibits false, deceptive, or misleading representations in the collection of any debt. Continuing to pursue me over an unfamiliar and unverified account is unlawful, and I demand that Northstar immediately cease all collection efforts and remove any reference to this account. I am requesting that XXXX XXXX XXXX be notified that this account is the result of identity theft and that appropriate corrective measures be taken. I also demand copies of the following : any original account applications ( paper, phone, or online ), account statements, payment or charge slips, delivery addresses, phone numbers associated with the account, signatures on any documentation, and any investigative reports conducted. Lastly, I request written confirmation detailing what has been done to : ( 1 ) inform XXXX  that this is identity theft, ( 2 ) stop collections, ( 3 ) cease credit reporting of this account, and ( 4 ) provide the documentation Ive requested. This account mustn't impact my credit standing. If any negative reporting has occurred, I demand its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I uploaded XXXXXXXX XXXX  from my XXXX wallet to cashapp, I wanted to sell part of it and use it for purchases and the other part I wanted to invest in cryptocurrency, the same day I withdrew XXXXXXXX XXXX to my XXXX address and everything was fine, then I wanted to wait for XXXX to increase in price so I could sell it later, it increased in price by 10 % and I decided it was time to sell it, but I was not allowed to do so. They asked for my documents again, then they blocked my account and told me to sell bitcoin and withdraw it from my account, but I can't sell it because I don't have this function, they just removed this option from my account and I also can't link my card in cashapp again. 
I can't get my own XXXX back, God forbid it goes down in value by then and I will be at a loss, I am very disappointed in their service and the fact that they can't help me but just work on a pattern of answering me the same thing. I was recommended to you by CFPB for solving such problems and I decided to write to you as I am very worried, this is the first time this has happened to me. I am very much looking forward to your help since cashapp itself can not help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reported inaccurate on TRANSUNION, EXPERIAN, AND EQUIFAX. According to 15 U.S.C.1681e section b, all consumer reporting agencies must follow reasonable procedures to assure accuracy of information of whom the report relates.

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 2025-04-24 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: IL

Complaint narrative:
XXXX XXXX XXXX is reported inaccurate on TRANSUNION, EXPERIAN, AND EQUIFAX. According to 15 U.S.C.1681e section b, all consumer reporting agencies must follow reasonable procedures to assure accuracy of information of whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-24 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, 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 2025-04-24 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX to Equifax Information Service LLC on my Auto Loan, XXXX XXXXXXXX XXXX XXXX account XXXX, XXXX for the date XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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