vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
When logging in to myprepaidcenter.com, I use my username and password. 
The next page says " verification required '' and has a puzzle to complete to determine that you are human. 

Every time this puzzle is completed, it confirms the puzzle was completed correctly, and nothing happens. 

It is not possible to log in to the website and see your card details including card number. It is not possible to retreive the information required to use the card and its value

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
In 2021, I disputed and successfully had a fraudulent account blocked from my credit report due to identity theft. However, despite this, the debt was later sold to a new collection agency, XXXX XXXX XXXX XXXX, which is now reporting it again under my name. The account was originally from XXXX XXXX and is a personal loan with a balance of {$6200.00}. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to block fraudulent accounts within four business days once they receive proper documentation. Since I have already proven that this account was the result of identity theft, it should never have reappeared on my credit report. This is a clear violation of my rights under the FCRA. 

I am now formally demanding that all credit bureaus immediately remove this fraudulent account and take steps to ensure it is not reinserted into my credit file. If they fail to comply within the legal timeframe, I am fully prepared to take legal action to protect my credit and financial reputation.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On my XXXX credit report a debt collection showed up in the amount of {$970.00} for unpaid utilities from a debt collector called I C SYSTEM INC. 
I spoke with them multiple times and tried explaining that the debt isn't mine I wasn't living in the house for the period of time the service in collection was delivered someone else rented that house and didn't pay his utilities, but they tend to ignore me and ruin my credit for no valid reason. I tried disputing it with XXXX but so far no luck. Please help me!!!

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. I have attempted to resolve this issue with the credit reporting agency [ Equifax/Experian/TransUnion ] but my concerns remain unresolved. 

I would like all of my late payments to be brought up to date. I would like the collection in the name of XXXX XXXX XXXX in the amount of {$150.00} to be taken off of my credit report. Lastly, all hard inquiries to be removed.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. I have attempted to resolve this issue with the credit reporting agency [ Equifax/Experian/TransUnion ] but my concerns remain unresolved. 

I would like all of my late payments to be brought up to date. I would like the collection in the name of XXXX XXXX XXXX in the amount of {$150.00} to be taken off of my credit report. Lastly, all hard inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent deletion of the following unjustified entries from my credit file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent deletion of the following unjustified entries from my credit file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint regarding the unlawful and inaccurate debt collection practices of XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am reporting these entities for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX has failed to provide me with the required debt validation notice as mandated by 15 U.S.C. 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**II. XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXXXXXX XXXX has also failed to provide me with the required debt validation notice as mandated by 15 U.S.C . 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**III. XXXX XXXX - Account Number : XXXX * XXXX XXXX has reported an inaccurate past due amount of {$150.00}. I require a detailed account statement to verify this amount. 
* I believe I have received communication from debt collectors regarding this account that may have violated 15 U.S.C. 1692c, which restricts communication times and places.

**General Complaint : ** These entities have caused significant distress and potential damage to my credit rating due to their failure to adhere to the FDCPA and FCRA XXXX I request that the CFPB investigate these complaints thoroughly and take appropriate action to : * Require these entities to cease all unlawful collection activities. 
* Require these entities to provide the requested validation and account information. 
* Require the removal of all inaccurate and unlawful information from my credit report. 
* Impose any necessary penalties for their violations of federal law. 

I am prepared to provide supporting documentation upon request. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint regarding the unlawful and inaccurate debt collection practices of XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am reporting these entities for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX has failed to provide me with the required debt validation notice as mandated by 15 U.S.C. 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**II. XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXXXXXX XXXX has also failed to provide me with the required debt validation notice as mandated by 15 U.S.C . 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**III. XXXX XXXX - Account Number : XXXX * XXXX XXXX has reported an inaccurate past due amount of {$150.00}. I require a detailed account statement to verify this amount. 
* I believe I have received communication from debt collectors regarding this account that may have violated 15 U.S.C. 1692c, which restricts communication times and places.

**General Complaint : ** These entities have caused significant distress and potential damage to my credit rating due to their failure to adhere to the FDCPA and FCRA XXXX I request that the CFPB investigate these complaints thoroughly and take appropriate action to : * Require these entities to cease all unlawful collection activities. 
* Require these entities to provide the requested validation and account information. 
* Require the removal of all inaccurate and unlawful information from my credit report. 
* Impose any necessary penalties for their violations of federal law. 

I am prepared to provide supporting documentation upon request. 

Thank you for your attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint regarding the unlawful and inaccurate debt collection practices of XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am reporting these entities for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX has failed to provide me with the required debt validation notice as mandated by 15 U.S.C. 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**II. XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXXXXXX XXXX has also failed to provide me with the required debt validation notice as mandated by 15 U.S.C . 1692g. I have not received any documentation detailing the original creditor, the debt amount, or my rights under the FDCPA. 
* I also question the validity of this debt regarding the statute of limitations. 

**III. XXXX XXXX - Account Number : XXXX * XXXX XXXX has reported an inaccurate past due amount of {$150.00}. I require a detailed account statement to verify this amount. 
* I believe I have received communication from debt collectors regarding this account that may have violated 15 U.S.C. 1692c, which restricts communication times and places.

**General Complaint : ** These entities have caused significant distress and potential damage to my credit rating due to their failure to adhere to the FDCPA and FCRA XXXX I request that the CFPB investigate these complaints thoroughly and take appropriate action to : * Require these entities to cease all unlawful collection activities. 
* Require these entities to provide the requested validation and account information. 
* Require the removal of all inaccurate and unlawful information from my credit report. 
* Impose any necessary penalties for their violations of federal law. 

I am prepared to provide supporting documentation upon request. 

Thank you for your attention to this serious matter. 

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 2025-04-02 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
To whom it may concern, ( ACIMA ) thank you for confirming Acima had not filed lease debt on ANY form with the IRS as a business lost or ANY other company to recover from unrecoverable debt. However Acima responded to complaint XXXX on XXXX XXXX and I quote ( Additionally, we did confirm an inaccuracy in reporting upon a preliminary investigation. This has been updated to reflect the bankruptcy case submitted to us ) to eliminate any more over sights from occuring I want to make this transprant as possible to Acima this is a factual dispute and I have attached documents to support my claims of mulitple FCRA violations, multiple Bankruptcy code violations and violation of Unfair and Deceptive Practices ( UDAP ) Laws. These attachments include ( 1. dispute letter ( 2.Acima first report to XXXX about Bankruptcy filing XX/XX/XXXX ( 3. XX/XX/XXXX Acima dispute update and before disputed on XXXX credit report ( 4. Acima response letter dated XX/XX/XXXX. ( 5. Acima XXXX report as of XX/XX/XXXX each document is labeled by date and name. Please note : Acima never updated my credit report on XX/XX/XXXX to reflect ( XXXX ) as Acima stated in CFPB response letter in fact the update that actully occurred on XXXX XXXX was in response to me filing a dispute with XXXX not a preliminary investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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