vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I am filing this complaint to address the unlawful practices and inaccuracies associated with a debt reported by XXXX XXXX XXXX. This debt was initially brought by XXXX XXXX, subsequently referred to XXXX XXXX XXXX XXXX, and later sold to a third party, Pollack & Rosen P.A. The vehicle tied to this account has a VIN ending in XXXX. 

Despite my ongoing disputes, XXXX has refused to remove this debt from my credit report. The account listed as [ XXXX XXXX XXXX account ] has been repeatedly marked as " verified, '' despite a lack of sufficient evidence supporting its accuracy. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable investigation into any disputed information. Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) mandates that if the furnisher of the disputed informationPollack & Rosen P.A. in this casefails to provide verifiable proof of the debt 's accuracy, the information must be promptly removed from my credit file.

It is important to note that " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Specifically with XXXX the address identification number associated with this debt on according to this bureau does not match any of my current addresses. This discrepancy constitutes a violation of Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ).

When I reached out to Pollack & Rosen P.A. Debt Collectors for clarification regarding this debt, I was threatened with legal action. Such actions violate the Fair Debt Collection Practices Act ( FDCPA ) under Regulation F. Additionally, this conduct contradicts the requirements of 15 U.S.C . 1681s-2, which obligates furnishers to provide accurate and reliable information. 

In XXXX, Pollack & Rosen P.A. initiated legal proceedings against me. However, they failed to adhere to proper legal procedures, resulting in the dismissal of the case. Their use of multiple incorrect addresses and failure to serve me highlight a repeated pattern of procedural and reporting inaccuracies. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
Willful Negligence, Identity Theft, and FCRA Violations Failure to Correct Known Inaccuracies I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2. 
Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

Verified Discrepancies ( As of XX/XX/XXXX Credit Report XXXX XXXX o Credit limit vs. balance inconsistencies. 
o Incorrect remarks showing a higher utilization rate affecting my score unfairly. 
Unauthorized Inquiries ( Likely Tied to Fraud or Misuse of Info ) : o XXXX XXXX XXXX TransUnion o XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Experian o These inquiries were made without my authorization and have harmed my credit file. 
Inaccurate Personal Information : o Incorrect or outdated addresses and employers still listed, including : XXXX, MS and  XXXX, TX simultaneously Employers I have not worked for or authorized to report You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current IdentityIQ Credit Report ( 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 explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
Willful Negligence, Identity Theft, and FCRA Violations Failure to Correct Known Inaccuracies I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2. 
Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

Verified Discrepancies ( As of XX/XX/XXXX Credit Report XXXX XXXX o Credit limit vs. balance inconsistencies. 
o Incorrect remarks showing a higher utilization rate affecting my score unfairly. 
Unauthorized Inquiries ( Likely Tied to Fraud or Misuse of Info ) : o XXXX XXXX XXXX TransUnion o XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Experian o These inquiries were made without my authorization and have harmed my credit file. 
Inaccurate Personal Information : o Incorrect or outdated addresses and employers still listed, including : XXXX, MS and  XXXX, TX simultaneously Employers I have not worked for or authorized to report You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current IdentityIQ Credit Report ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-03-27 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 


2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-27 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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 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 2025-03-27 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: CA

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 2025-03-27 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: CA

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 2025-03-27 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-27 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Hey, how are you. I was wanting these hard inquiries and one closed account removed off of my report because I did not authorize these credit pulls. This is fraudulent and I took action by contacting the IRS and I have a report and can send proof of resolution on their end as far as securing my social security number going forward, but was told I had to take further action to have them removed. I also have a report with the FTC about it. I let someone who was posing as a tax preparer in my city do my taxes in XX/XX/XXXX, and was unaware that they made a XXXX account in my name and was running my credit online for cars. They have since been arrested for charges similar to what he did to me. I havent been able to file taxes for years because of it but the IRS settled everything and dropped all ties my social security number had with the XXXX account I didnt make & allowed for me to create my own. Thankfully, theres no open car loans that I can see on my credit report! Thank you so much for you alls time. Heres that list of inquiries Im unfamiliar with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Exeter Finance LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Exeter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX -Opened XX/XX/XXXX XXXX ( Written Off ) XX/XX/XXXX XXXXBalance {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them 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 non-monetary relief