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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to request detailed information regarding the method your bureau uses to verify the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to understand how disputed items are verified. Therefore, I respectfully ask that you provide the following information : The specific method or process your bureau uses to verify disputed items. 

The identity of the entity or entities responsible for conducting the verification. 

Any documentation or evidence used to support the accuracy of the disputed items. 

I understand the significance of accurate and fair credit reporting, and I appreciate your cooperation in ensuring transparency about the verification process. This information is essential for me to fully understand how the disputed items on my credit report were confirmed as accurate.

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: 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: OH

Complaint narrative:
I am submitting this formal complaint because Experian has failed to include multiple verified positive tradelines in my consumer credit file, despite these same accounts appearing on one or more of the other major bureaus.

I submitted a written dispute to the bureau demanding that the following verified accounts be added : XXXX XXXX XXXX XXXX ( Closed, aging account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Installment, opened XX/XX/year>, {$10000.00} high balance ) These accounts are materially beneficial and impact my creditworthiness, especially the Tracirfs installment account due to its age. The failure to include t

hem violates my rights under FCRA 1681i ( incomplete/inaccurate file ) and 1681e ( b ) ( reasonable procedures for maximum possible accuracy ). I have also formally demanded that the bureau provide : A full explanation of why
these tradelines are missing Identification of any suppression orders or instructions Disclosure of any surety, bonded authority, or insurer related to their reporting system, under common-law Suretyship Documentation under UCC 3-501 ( b ) ( 2 ) proving the bureaus authority or refusal I am seeking regulatory enforcement and request that the CFPB compel the bureau to : Add the missing tradelines immediately Confirm that all data handling and consumer file omissions are fully investigated Respond in writing with the basis for any refusals

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

Complaint narrative:
his is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 check my credit report and I saw fradulent accounts opened on my name, I file FTC report, FTC report attached include my ID card and social security card remove this accounts from my credit report XXXX XXXX XXXX ACCOUNT ENDING, XXXX BALANCE XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT ENDING, XXXX BALANCE XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT ENDING, XXXX. XXXXXXXX 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
XXXX XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties GENESIS CREDIT MANAGEMENT LLC. XXXX is reporting My name incorrect on my XXXX report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! 

I have contacted all three bureaus and they will not listen or accept my documentation from the government!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have disputed this account because I do not owe the balance. It was paid off several years ago. The collection agency refuses to send proof of the outstanding balance

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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
My name is XXXX XXXX & I received an email around an hour ago now, that was from an alleged attorney with the XXXX XXXX XXXX XXXX XXXX, stating that I was about to be sued due to an old debt I owed from an unpaid payday loan from companie ( s ) " Speedy Cash '' & /or thier partners `` XXXX XXXX XXXX '' & " XXXXXXXX XXXX XXXX '' I DID contact " Speedy Cash, '' personally, just now, to verify that I in fact DO NOT have a debt with thier company in which they are trying to legally collect on & they suggested that I IMMEDIATELY reported said fraudulent email to the proper authorities, gave me the " FTC.gov, '' website, which I went to right away, which then led me here. I thank you for your time & I very much hope that this will be helpful in some way, with maybe someday putting an end to all of the fraud that happens. 

Have A Blessed Day, 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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There's a incorrect public record showing on my credit files with Experian, Equifax and Transunion XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Original filing date XXXX XXXX Latest status date XX/XX/scrub>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 2025-03-27 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: MI

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2025-03-27 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I was not aware of accounts reported to Consumer Reporting Agencies according to 15 US CODE 6802. I have accounts on my Credit reports that is adversely affecting my ability to obtain credit.

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: EGL US, LLC
State: FL

Complaint narrative:
I was not aware of accounts reported to Consumer Reporting Agencies according to 15 US CODE 6802. I have accounts on my Credit reports that is adversely affecting my ability to obtain credit.

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: Experian Information Solutions Inc.
State: DE

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

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 card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
They said they closed my card account in XX/XX/year> but they keep charging late fee this card has to be charge off XXXX  days letter they closed and they havent by now they keep reporting to credit report as late and they dont want to do anything about it this account. Should be charge off by XXXX already and they keep charging late fee please help me with this is damaging my credit report and accounts already closed

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration

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: DE

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

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: NV

Complaint narrative:
Im writing to urgently address an issue with my credit report. It seems that my account is being mixed with someone elses credit information, which is causing significant discrepancies. This is not my account, and it is affecting my credit record.

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: 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: GA

Complaint narrative:
I would like to film a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. Over the course of my interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised, specifically in my case, the XXXX XXXX  ( Account Number XXXX ). TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provision of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. Furthermore, Today, XX/XX/XXXX, at XXXX XXXX, when I tried to view the dispute I filed on XX/XX/XXXX again, the website stated, " We can't find any recently completed disputes on this site. '' However, I have email proof showing that I filed the dispute on XX/XX/XXXX, and received another email confirming that the dispute investigation was completed on XX/XX/XXXX. Additionally, I received an email on XX/XX/XXXX, stating that I had until XX/XX/XXXX, to review the results. I was only aware that I would no longer have access to the results, but I feel the dispute history should still be available to confirm that I actually filed a dispute, especially since other bureaus maintain a history of disputes. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation.

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: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
I was driving on the highway and as I exit off the highway and make a turn the tire completely breaks off I only had the vehicle for a few months and then that happens which destroyed the body of the car I was current on my payments and due to the manger lying to me telling me he was going to fix it and didnt I gave them the car back

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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