vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am an authorized user on the below credit cards ( bank name + last 4 digits of the account number ), and I want to confirm these are being reinserted by your team. The banks have all submitted tradeline resinertion requests, but have not received a response from Equifax. Please confirm these are being reinserted as I am confirming that they should be reinserted and should not be suppressed/blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately Equifax 's phone team is incapable of helping, and it's unfortunate that issues like this need to be raised via a CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Account and Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint against XXXX, XXXX, and XXXX concerning an unauthorized account on my credit reports and the subsequent verification practices employed by these credit bureaus. The account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Background : In XX/XX/XXXX, I was notified of a data breach that compromised my personal information. Subsequently, I discovered that a XXXX XXXX XXXX account had been fraudulently opened in my name without my authorization. 
Upon identifying this unauthorized account, I promptly disputed its validity with XXXX, XXXX, and XXXX. Despite providing evidence of its fraudulent nature, all three credit bureaus have verified its legitimacy and continue to report it on my credit files. 
Alleged Violations : I believe the actions of the aforementioned credit bureaus constitute violations of federal law, specifically : 1. 15 U.S.C. 1692gValidation of Debts : This statute mandates that debt collectors provide proper debt validation upon request. The continued reporting of this unauthorized account suggests that the credit bureaus have not ensured that the debt was properly validated, especially considering the circumstances of identity theft.

2. 15 U.S.C. 1635 Right of Rescission : While this section primarily pertains to the right to rescind certain credit transactions, it underscores the necessity of clear and accurate credit agreements. The existence of a fraudulent account indicates a failure to uphold these standards.

Request for CFPB Intervention : In light of the above, I respectfully request the Consumer Financial Protection Bureau to : Investigate the verification processes employed by XXXX, XXXX, and XXXX concerning this disputed account. 
Ensure that the unauthorized XXXX XXXX XXXX account is immediately deleted from my credit reports. 
Review and address any systemic issues within these credit bureaus that may allow for inadequate verification of disputed accounts, especially in identity theft resulting from data breaches.

I trust that the Consumer Financial Protection Bureau will take this matter seriously and take appropriate action to rectify the situation. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Zions Debt Holdings
State: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Account and Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint against XXXX, XXXX, and XXXX concerning an unauthorized account on my credit reports and the subsequent verification practices employed by these credit bureaus. The account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Background : In XX/XX/XXXX, I was notified of a data breach that compromised my personal information. Subsequently, I discovered that a XXXX XXXX XXXX account had been fraudulently opened in my name without my authorization. 
Upon identifying this unauthorized account, I promptly disputed its validity with XXXX, XXXX, and XXXX. Despite providing evidence of its fraudulent nature, all three credit bureaus have verified its legitimacy and continue to report it on my credit files. 
Alleged Violations : I believe the actions of the aforementioned credit bureaus constitute violations of federal law, specifically : 1. 15 U.S.C. 1692gValidation of Debts : This statute mandates that debt collectors provide proper debt validation upon request. The continued reporting of this unauthorized account suggests that the credit bureaus have not ensured that the debt was properly validated, especially considering the circumstances of identity theft.

2. 15 U.S.C. 1635 Right of Rescission : While this section primarily pertains to the right to rescind certain credit transactions, it underscores the necessity of clear and accurate credit agreements. The existence of a fraudulent account indicates a failure to uphold these standards. 
Request for CFPB Intervention : In light of the above, I respectfully request the Consumer Financial Protection Bureau to : Investigate the verification processes employed by XXXX, XXXX, and XXXX concerning this disputed account. 
Ensure that the unauthorized XXXX XXXX XXXX account is immediately deleted from my credit reports. 
Review and address any systemic issues within these credit bureaus that may allow for inadequate verification of disputed accounts, especially in identity theft resulting from data breaches. 
I trust that the Consumer Financial Protection Bureau will take this matter seriously and take appropriate action to rectify the situation. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
This company is attempting to collect a debt that has nothing to do with me. They have continually attempted to collect this debt for almost 10 years off and on and continue to harass me by calling and emailing me. I do NOT owe this company and have no relation to this company by any means. This is harassment and they are using slimy tactics such as calling my children who are underage to contact me and have even attempting to threaten me with some shady law firm.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cash app ( block inc ) for inadequate customer service and unfair practices which violate the consumer financial protection act. Specially cashapp failed to act in a timely manner to prevent fraud. These actions have caused significant financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-12 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: GA

Complaint narrative:
I reached out to these companies via phone call to dispute these hard inquiries that I did not verify the company would not remove them. They said they are not allowed to remove 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 explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I reached out to these companies via phone call to dispute these hard inquiries that I did not verify the company would not remove them. They said they are not allowed to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: MO

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-03-12 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: CA

Complaint narrative:
Please remove all Old address and other names besides mine Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Any other info needs to be removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, located in XXXXXXXX XXXX, regarding a car title loan that has resulted in an excessive and unreasonable amount of interest charges. The company 's lending practices appear to violate federal and state regulations, including potential violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under 12 U.S.C. 5531. 
Details of the Complaint Loan Amount : {$1500.00} Loan Date : XX/XX/year> Interest Charged to Date : {$13000.00} + State of Residence : XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite making regular payments, the interest accrued has reached an unreasonable amount, causing significant financial distress. Upon reviewing my loan terms, I believe the company has engaged in predatory lending practices, including : Excessive and Unlawful Interest Rates The company charged an XXXX far exceeding reasonable and permissible limits under XXXX  XXXX, possibly violating XXXX XXXX XXXX XXXX governing credit access businesses. 
Failure to Clearly Disclose Loan Terms Under TILA ( 15 U.S.C. 1638 ), lenders must provide clear and accurate disclosures regarding finance charges and APR. The terms provided were misleading, and the full cost of the loan was not properly explained. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) The companys structuring of the loan terms resulted in a cycle of debt, where payments were primarily applied to interest rather than principal, a practice potentially violating 12 U.S.C. 5531 under the Consumer Financial Protection Act ( CFPA ). 
Failure to Provide Reasonable Repayment Options The company has not provided reasonable options to settle the balance without accumulating excessive fees, trapping borrowers in continuous debt.

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 2025-03-12 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed fro
m the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I
request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation