vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND 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 2025-11-28 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX to open account XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$65.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against TitleMax [ store location, city, XXXX  ] for issues related to a car title loan. 

I got a title loan using my vehicle [ XXXX, XXXX, XXXX XXXX, XXXX around [ XX/XX/XXXX ]. During the application process, the terms of the loan and the impact on my vehicle title were not clearly explained. The person helping me did not appear to understand the title transfer, and a manager had to step in and finish the paperwork. I felt pressured and confused, and I did not understand the total cost of the loan or all of the risks. 

The lender is now holding my title. My contract shows a payoff deadline of XX/XX/XXXX, but I do not have enough money to pay the full balance. I have formally disputed the loan and asked for : A written payoff amount and breakdown of charges, A temporary extension or affordable payment arrangement, and Confirmation that they will not repossess my car while the dispute is being reviewed. 

I am also having difficulty getting my vehicle properly titled and registered in my name because of the way TitleMax handled the title paperwork. I am working with the County Tax Office to fix this. 

I believe TitleMax may have engaged in unfair, deceptive, or abusive practices related to this title loan and the title paperwork. I am requesting that the CFPB review this situation and contact the company so that I can receive a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
RE : Request for Reinvestigation XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to request a formal reinvestigation of a charge-off account currently being reported on my consumer credit file. I previously sent a letter to the original creditor on XX/XX/year>, requesting verification, and I am now requesting that your bureau complete its duty to investigate this account and ensure that all information is accurate, complete, and properly verified. 
This request is being made pursuant to the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 611 ( a ) / 1681i Bureau must reinvestigate disputed information in a reasonable timeframe 15 U.S.C. 623 ( a ) ( 1 ) & ( a ) ( 3 ) Furnisher duties ; bureau must notify furnisher of dispute and ensure accuracy 15 U.S.C. 623 ( a ) ( 5 ) Unverifiable information must be corrected or deleted Please investigate the following items regarding this account : 1. Confirm the current balance, charge-off amount, dates of first delinquency, and payment history with the original creditor.

2. Verify that the account status, including sold, transferred, or charged-off, is accurate and properly reported.

3. Provide me with the results of your investigation, including documentation you received from the furnisher, as required by FCRA 611 ( a ) / 1681i.

4. Correct or delete any information that can not be verified or is inconsistent with Metro 2 reporting standards.

Please respond to this request within 30 days as required by the FCRA. If you are unable to verify this account with the original creditor, you must update or remove the information accordingly.

Thank you for your prompt attention to this matter. I look forward to your written response and a corrected credit file if any inaccuracies are found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: SC

Complaint narrative:
I am submitting this complaint to dispute several inaccuracies found in my credit reports from Experian and TransUnion. I have identified a collection account for XXXX  XXXX under Experian, showing a balance of {$2500.00} with the original creditor XXXX XXXX, which I have no knowledge of and have never been associated with. Additionally, TransUnion is reporting the same account with the same balance of {$2500.00}, confirming that this entry is inaccurate and needs investigation, as required by FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ), which mandates credit reporting agencies ensure maximum accuracy of the information they report. Furthermore, TransUnion is inaccurately reporting an address of XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which does not belong to me and should be removed per FCRA Section 605 ( a ) ( 15 U.S. Code 1681c ), which requires the removal of obsolete or inaccurate information. Both TransUnion and Experian also show a Late Closed status for XXXX XXXX XXXXXXXX with a {$0.00} balance, which is misleading as it does not reflect my actual payment history. This violates FCRA Section 623 ( a ) ( 2 ) ( 15 U.S. Code 1681s-2 ), which mandates furnishers provide accurate and complete 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I went to a XXXX  atm using my cashapp card and the atm ate my money so I made a dispute with cashapp and they said it would take up To 45 days so I asked for a provisional credit till then they denied it and every time I try and contact them they give me the run around and just tell me the exact same thing over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I am filing a complaint against Acima regarding my lease-to-own account. The system never showed the full payoff amount needed to complete my 3-month term. The last amount displayed was {$91.00} on XX/XX/XXXX, which I paid. At no point did the system indicate that I still owed any balance or that my account would not be closed. 

When I called Acima, I was told my account was moved to a longer-term plan because I supposedly owed more. This is incorrect, as I paid the full amount shown by the system. I am requesting that CFPB investigate this issue and ensure my account is corrected and closed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
am filing this complaint because Citi refused to provide written communication or written documentation about my credit card account despite a XXXX that prevents me from processing verbal instructions. On XX/XX/year> I contacted Citi regarding Reference Number XXXX and asked for written-only communication due to functional limitations confirmed by a physician on an MD XXXX XXXX accommodation form. Citi continued insisting on phone contact only. 

My required monthly payment is XXXX dollars, due XX/XX/year>. I am unemployed, receive XXXX benefits, have approximately XXXX dollars total, and can not afford this payment. I requested a hardship modification before becoming delinquent. Citi repeatedly told me they can not change anything because I agreed to a prior arrangement, even though Citi policy allows modification when circumstances change. I agreed originally because I expected to be employed by now. 

I also filed a dispute regarding the handling of my account and Citi acknowledged receiving it verbally, but refused to provide written confirmation of the dispute or the investigation. Citi refused to provide written confirmation about account status, dispute status, Executive Review status, whether negative reporting would occur, or whether late fees would be suspended during review. Instead, I received contradictory and inconsistent statements from multiple Citi departments, including hardship, customer service, and the Executive Response Team. 

On multiple occasions Citi refused to accommodate written-only communication and attempted to continue verbal discussions despite my XXXX documentation. This violates required accommodation standards. Citi has also failed to provide any written explanation of why my hardship request is being denied or why written communication is not being honored. 

I am requesting regulatory intervention to require Citi to provide written-only communication, to properly review my hardship request, to document my dispute in writing, to suspend negative reporting or fees during review, and to ensure all future communication complies with XXXX accommodation requirements.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My credit file contains fraudulent negative accounts and unauthorized/duplicate hard inquiries as a result of the XXXX Data Breach ( Ref # XXXX ). Despite submitting an FTC Identity Theft Report and invoking my rights under FCRA 605B, the credit bureaus continue to report these items and rely on automated OSCAR " verified '' responses instead of conducting a reasonable reinvestigation as required by {$610.00}. Relief Requested : Delete all fraudulent negative accounts. Delete all unauthorized and duplicate hard inquiries. Provide written confirmation that these items that these items have been permanently blocked and that no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). Failure to comply will result in further escalation and legal action. 

LVNV Funding LLC XXXX XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX CARD - XX/XX/year>

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