vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date : XX/XX/year>XXXX  XXXX XXXX XXXX XXXX XXXX [ Insert the address from your notice ] Re : Cease and Desist Account No. XXXX To Whom It May Concern : I am formally notifying you under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) that you must cease all communication with me regarding the alleged debt connected to the above-referenced account. 

This letter serves as my official request that XXXX XXXX XXXX and any affiliates, agents, or representatives immediately stop all phone calls, letters, emails, text messages, or any other form of contact concerning this matter. 

Please note : This request does not constitute an acknowledgment or acceptance of the alleged debt. 
If you believe you are legally permitted to contact me further ( such as sending a single notice of intended legal action ), you must ensure such communication complies strictly with the FDCPA. 

Any attempt to contact me after receiving this noticeother than those explicitly permitted by lawwill be documented as a violation and may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney General, and any other relevant regulatory agencies. 

I expect written confirmation from you that my request has been received and applied to my account. 

Thank you for your cooperation. 

Sincerely, 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 2025-11-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date : XX/XX/year>XXXX  XXXX XXXX XXXX XXXX XXXX [ Insert the address from your notice ] Re : Cease and Desist Account No. XXXX To Whom It May Concern : I am formally notifying you under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) that you must cease all communication with me regarding the alleged debt connected to the above-referenced account. 

This letter serves as my official request that XXXX XXXX XXXX and any affiliates, agents, or representatives immediately stop all phone calls, letters, emails, text messages, or any other form of contact concerning this matter. 

Please note : This request does not constitute an acknowledgment or acceptance of the alleged debt. 
If you believe you are legally permitted to contact me further ( such as sending a single notice of intended legal action ), you must ensure such communication complies strictly with the FDCPA. 

Any attempt to contact me after receiving this noticeother than those explicitly permitted by lawwill be documented as a violation and may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney General, and any other relevant regulatory agencies. 

I expect written confirmation from you that my request has been received and applied to my account. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am requesting Equifax to conduct a lawful reinvestigation into the items listed below. Several accounts contain inconsistencies between bureaus, incomplete payment history, or unverifiable data. Under FCRA 611, Equifax must ensure all information is accurate, fair, and fully verifiable. 

CHARGED OFF Accounts ( XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX  Acct : XXXX XXXX  : XX/XX/XXXX {$680.00} XXXX XXXX XXXX Acct : XXXX DOFD : XX/XX/XXXX {$260.00} XXXX XXXX XXXX Acct : XXXX XXXX : XX/XX/XXXX {$0.00} These accounts show discrepancies across bureaus and may be outdated or unverifiable. Please conduct a full reinvestigation. 


LATE PAYMENTS ( EQ ) Please verify the accuracy and dates of the reported late payments below : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  Acct : XXXX If these late payments can not be verified with proper records from the creditor, please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Yall have my information and I never had a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
b'I sent a certified letter to Transunion on XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey replied onXXXX stating that they think someone else may have sent this on my behalf and did nothing to resolve my issue. I proceeded to send another letter to Transunion on XXXX  and until this date I hadnt received a response from Transunion.'

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 2025-11-17 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: MI

Complaint narrative:
Follow-Up Statement Discharged Bankruptcy Debt Still Being Reported & Collected The XXXX account was included in my 2023 bankruptcy, which has now been removed from my credit report by Equifax. Despite this, Experian, TransUnion, and Equifax continue to report and update this account as derogatory. 

Additionally, XXXX is attempting to collect on this discharged debt, which violates the FDCPA and the FCRA.

Violations include : FCRA 607 ( b ) : inaccurate reporting FCRA 611 ( a ) : unverifiable information FCRA 611 ( a ) ( 5 ) ( A ) : bankruptcy info must be deleted FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : no method of verification provided FDCPA 805 ( c ) : continued contact after debt discharged FDCPA 807 ( 2 ) : misrepresentation of legal status of debt FDCPA 808 ( 1 ) : attempting to collect a debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> I got an email saying that a strange email had been added to Cash App and that my phone number was removed.My email was still listed. 
I couldnt get into the account become last XXXX of my social couldnt be matched to the account. 
I called it today XXXX and they couldnt find my account with my own information. 
I cant close or cancel the account and when I called Cash App I was told that I am stuck with a hacked account and the cant help and there is nothing that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-17 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The debt collectors done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and we didnt sign an agreement on. A legal contract is signed by two people and I didnt participate in any of it. They didnt folllow the 5 step validation procedures according to the FDCPA, Im entitled to compensation for these violations and clearly violated my rights and abused my privileges.I demand you take this account of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I have been disputing several negative accounts that continue to appear on my credit report even though they have not been properly validated. These include collection accounts, charge-offs, and late-payment histories that contain inconsistent information or missing documentation. I requested verification from the credit bureaus and the companies reporting the accounts, but none of them have provided original contracts, proof of assignment, itemized billing records, or accurate delinquency information. Some of the dates and balances differ across the three credit bureaus, which violates federal requirements for accurate reporting. There are also several hard inquiries that I did not authorize, and the companies involved have not provided any proof of a permissible purpose or a signed application. Despite these unresolved issues, the credit bureaus continue to mark the accounts as verified without showing any actual evidence. These mistakes have caused damage to my credit score and affected my ability to qualify for credit or financial opportunities.

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 2025-11-17 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 formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I would just like to update my name the right way through all credit bureaus and delete all other names that are 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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I signed up through a loan for BestEgg for debt consolidation and not once did it say anything about their being collateral for light fixtures from my home I even received a phone call from the representative who walked us through the application process and when we asked what it all entailed not once was it mentioned about collateral. Now were being told that we signed a contract that states that collateral for light fixtures are involved in while its just light fixtures we were definitely misled as we would not have approved alone for any type of collateral that had to do with our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I do not use a middle name, nor is one listed on my state ID.

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
We moved out of the home on XX/XX/XXXX. On XX/XX/XXXX, we received our move out statement and we disagreed with the charges for blinds and other damages that were present when we moved in- some of the things we didn't think were even issues so we didn't note them as problems. They said we have XXXX  days to dispute per their policy to prevent going to collections. I reached out to XXXX different invitation homes employees on XX/XX/XXXX and received a response on XX/XX/XXXX from XXXX XXXX that she will follow up. I did not receive a response and I followed up on XX/XX/XXXX. XXXX responded on XX/XX/XXXX and we exchanged emails where she agreed that charges were not on us and could be removed. I was still in the process of disputing charges with her and she stopped responding. I followed up again with her after receiving a collections email and letter on XX/XX/XXXX saying that I was under the impression that we were still discussing these charges and I never received a response again. I reached out to Fair Collections and Outsourcing on XXXX and emailed them a copy of my communications with Invitation homes showing we were in discussions and this should have not been sent to collections in the first place. On the week of XX/XX/XXXX we began receiving multiple collections letters from XXXX again.

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 2025-11-17 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-17 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief