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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. XXXXb Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my XXXX credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXXXXXX XXXX that I did not authorize or recognize. I have never had an account with XXXX XXXXXXXX XXXX nor have I incurred any debt with them that would justify this collection entry. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction with XXXX XXXXXXXX XXXX I believe this constitutes a violation of my rights under the FCRA. I respectfully request that XXXX take the following actions : XXXX. Remove the unauthorized collection account from my credit report. XXXX. Provide the name, address, and contact information of the entity that reported this collection. XXXX. Ensure that this unauthorized collection does not negatively impact my credit score. Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. If this matter is not resolved within XXXX days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary. Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. 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 2025-03-30 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: MI

Complaint narrative:
XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. XXXXb Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my XXXX credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXXXXXX XXXX that I did not authorize or recognize. I have never had an account with XXXX XXXXXXXX XXXX nor have I incurred any debt with them that would justify this collection entry. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction with XXXX XXXXXXXX XXXX I believe this constitutes a violation of my rights under the FCRA. I respectfully request that XXXX take the following actions : XXXX. Remove the unauthorized collection account from my credit report. XXXX. Provide the name, address, and contact information of the entity that reported this collection. XXXX. Ensure that this unauthorized collection does not negatively impact my credit score. Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. If this matter is not resolved within XXXX days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary. Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: IN

Complaint narrative:
In the later part of XXXX I took my XXXX XXXX XXXX to XXXX to have get a routine oil change as I do every XXXX months. In XXXX of XXXX, I noticed the oil light was on and I immediately returned to XXXX as this was unusual. A kind gentleman named XXXX who works at XXXX checked my car out and provided me with the following information. He advised, " The vehicle is burning oil rapidly due to the engine failing. '' He informed me this is a known issue with XXXX XXXX  and could possibly be covered under warranty. In late XX/XX/XXXX XXXX I contacted the lender, Avid Acceptance and informed them that the engine is failing. I currently owe a balance of {$11000.00} on the vehicle I've had it since XXXX. I also contacted XXXX to determine if a warranty existed. I was informed by XXXX that the warranty is only valid if I am the original owner which I am not. Avid Acceptance advised I would continue to be responsible for the balance of the loan in addition to the engine repair/replacement. I have obtained estimates of repair/replacement which is in excess of {$9000.00}. This vehicle has been vandalized XXXX in attempted thefts to which I have an active claim awaiting the settlement of XXXXXXXX XXXX class action law suit. As a hardworking citizen I am seeking what my legal options are at this point. I believe the loan may be predatory lending. I don't have to explain that this puts me at an extreme financial hardship as I am not a rich woman.

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has been closed since XX/XX/year>, still reporting open after filling dispute with company. This account was closed/paid in full.

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: 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: NJ

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXXL XXXX Balance Owed : {$280000.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$990.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$270.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account 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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
A {$5200.00} transfer was attempted by an unknown entity in early XXXX. We notified XXXX immediately that it was unauthorized and have filed disputes with the reporting agencies. The charge has reduced my credit score by about XXXX points and I do not know whether XXXX has removed the disputed amount ( the entire balance on the account ) from the account. The credit cards charged have been destroyed and replaced, but we are still waiting for more information. We have frozen all of our credit with all the reporting agencies and checked with our banks to make sure nothing has been attempted on those accounts.

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: UT

Complaint narrative:
I sent {$700.00} to a friend through Cash App so she could purchase XXXX for me. Her account was frozen for XXXX hours for verification. When the freeze was lifted, Cash App closed her account and kept {$500.00} of my money. 

I reached out to support, and they closed the case without resolving the issue or refunding me. Now theyre asking me to start a new case with no explanation. 

This was my money, and I didnt violate any terms of service. Im asking for the {$500.00} to be returned or for a clear reason why its being withheld. This has caused me financial stress.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : IMMEDIATE REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE 24-HOUR DEMAND To Whom It May Concern, I am formally demanding the immediate removal of a fraud alert that was placed on my credit file without my authorization. I recently received an email stating that a fraud alert was added under my namehowever, I did not initiate or approve this alert in any way. It was placed by your agency without my request or supporting documentation. 

Additionally, I received a second email stating that my date of birth had been updated, which again, was not done by me. My correct date of birth is XX/XX/year>, and I demand that any other birthdate listed on my report be immediately removed or corrected. This incorrect data is now contributing to multiple identity inconsistencies and continued harm on my credit profile. 



This Is Causing Ongoing Harm This unauthorized fraud alert and false birthdate update are causing me serious damage, including : Repeated housing and credit denials Emotional distress and mental strain Further complications with already-disputed fraudulent accounts Disruption to my financial stability You Are Now in Violation of Federal Law The following sections of the Fair Credit Reporting Act ( FCRA ) apply to this situation : FCRA 602 ( A ) You must ensure fair, impartial, and accurate reporting of consumer information. 
FCRA 604 ( c ) ( 1 ) ( B ) Fraud alerts may only be placed with proper consumer request and identity theft documentation. 
FCRA 611 & 1681i Consumers have the right to dispute and correct unauthorized or inaccurate information. 
FCRA 623 ( a ) ( 1 ) Furnishers must only report data with maximum possible accuracy. 



YOU HAVE 24 HOURS TO ACT I am now demanding the following actions be completed within 24 hours of your receipt of this letter : 1. Permanently remove the unauthorized fraud alert from all of my credit reports 2. Correct my date of birth to reflect XXXX only, and delete any other birthdates 3. Send written confirmation to XXXX that both the fraud alert and incorrect DOB have been resolved 4. Cease any future unauthorized changes to my file without my explicit request or consent If you fail to comply, I will immediately proceed with the following : Pursue a lawsuit in Small Claims Court for damages related to emotional distress, denial of housing, and financial injury Request a federal review of your FCRA violations and negligent handling of my personal information You have been warned. Act accordingly. 

Sincerely, 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 2025-03-30 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: NY

Complaint narrative:
**Please note this is a separate issue than the original complaint I made on XX/XX/year>. 

On XX/XX/XXXX. XXXX  I received a letter that my student loans were in forbearance status until XX/XX/year> due to being in the XXXX plan. Yesterday I received notification through my credit monitoring app that XXXX of XXXX of my student loans were reported as unpaid for XXXX XXXX via XXXX. I double checked XXXX, and now my loans show as not due until XXXX, XXXX, while the XXXX plan is sorted out. 

I have not been able to get through to XXXX on this, which is why I'm filing a complaint here. 

It is absolutely insane that a company is allowed to do this and play with people 's credit score. I am set to re-lease a car this fall and I am terrified that my credit is going to be trashed because of XXXX telling me there is no payment due and then reporting me as late.

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: 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: SC

Complaint narrative:
I have Disputed negative items on my credit report with Experian, for the last year. There are so many accounts that are inaccurate with balance or dates. Some dating back to XXXX. These accounts are not being investigated. They are coming back updated and it has dropped my credit score over XXXX points.

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: Improper use of your report — Reporting company used your report improperly
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: FL

Complaint narrative:
Dear CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Untimely response
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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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 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: 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: FL

Complaint narrative:
I am writing to formally dispute the reappearance of an account on my consumer credit report that was previously removed due to identity theft. The re-adding of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws codified under Title 15 of the United States Code ( USC ). Such actions are not only improper but also undermine the trust and accuracy expected in credit reporting practices. I am demanding the additional information by Experian is claiming the creditor certified the information has been verified that the fraudulent account belongs to me. 
Under 15 USC 1681c-2, once an account has been confirmed as fraudulent due to identity theft and removed from a credit report, it is explicitly prohibited for the account to reappear unless it is verified as legitimate through proper documentation and due process. In this instance, no such verification, documentation, or prior notification was provided to me before this account was readded to my credit report, violating established legal protocols and my consumer rights. 
Summary of Relevant Facts : 1. Nature of the Account : XXXX XXXX, Account # XXXX XXXX. Previous Removal : This account was removed from my consumer credit file on XXXX, following a thorough investigation into identity theft that confirmed its fraudulent nature. 
XXXX. Reappearance of Account : Without any valid justification or adherence to statutory requirements, the account has reappeared on my credit report on XX/XX/year>. This action disregards my rights as outlined in 15 USC 1681s-2 and 15 USC 1681i .

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: CL Holdings LLC
State: GA

Complaint narrative:
Dear FCFTC, I hope this message finds you well. I am writing to inform you that I have contacted the bureau regarding a data breach in which my personal information was compromised. Upon reviewing my report, I discovered that fraudulent information has been reported under my name. 

I have made multiple attempts to resolve this issue, including writing letters and making phone calls to the bureau. Despite these efforts, they continue to insist that the information is accurate, when in fact it is not mine. I wanted to make the XXXX aware of this situation and the steps I have taken to resolve the matter. 

Please let me know if you require any additional information. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation