vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: NY

Complaint narrative:
Revco Solutions is using spoofed caller IDs that are not listed anywhere on their website and are not tracing back to them when XXXX searching the number they are using to call me with. The number they called me from was XXXX. I answered the first time I got a call from this number worried that it could be someone from my childs school due to the XXXX area code. My childrens principals have work phones that differ from the district number and its normal for me to receive that type of call. The first time they called I said hello several times before someone said anything which let me know they were using an automatic dialer to get these calls out. Ive since gotten a call everyday sometimes XXXX times a day from this number. When I looked it up it was coming back as a personal number for someone else which left me more confused. I decided to investigate and I called the number back and my call was redirected back to Revco Solutions. An automatic voice asked me to please wait while the call was redirected. I googled revco solutions and their website does not offer an address or state they are located in. The only contactable phone number listed on their website is XXXX. I took screenshots of their website. I asked the worker if they were aware that spoofing caller ID was an illegal collections tactic under the federal Truth in Caller ID Act and is considered to be a deceptive practice that is punishable up to XXXX per incident to which the worker then told me yes they are very aware of what they can and cant do by law. I told her the spoof number popped up on my phone multiple times and advised her I was formerly a compliance officer for debt collections and that I was aware of my rights and would be reporting them to the federal trade commission and CFPB at which point she got very nasty and started repeatedly yelling that she would be ending the call. I ended the call first.

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: DISCOVER BANK
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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:
Please check the information concerning the Equifax data breach below, in attachments.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXXXX XX/XX/year> {$1800.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year> {$2900.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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: FL

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.

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: FL

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.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute regarding negative accounts on my credit report that are negatively impacting my scores and require validation. It has now been nearly 60 days, yet these accounts remain on my credit report. According to the FCRA, you are required to respond and conduct a proper investigation into this issueneither of which has been done. I demand that you remove these accounts immediately for failing to comply with the FCRA. If this matter is not resolved, I will proceed with contacting an FCRA attorney to explore legal action. Please remove these accounts due to your clear violation of the FCRA.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute regarding negative accounts on my credit report that are negatively impacting my scores and require validation. It has now been nearly 60 days, yet these accounts remain on my credit report. According to the FCRA, you are required to respond and conduct a proper investigation into this issueneither of which has been done. I demand that you remove these accounts immediately for failing to comply with the FCRA. If this matter is not resolved, I will proceed with contacting an FCRA attorney to explore legal action. Please remove these accounts due to your clear violation of the FCRA.

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: Improper use of your report — Reporting company used your report improperly
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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to Title 15, United States Code, Section 1681c-2, and to request that this information be blocked. I am enclosing a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Pursuant to Title 15, United States Code, Section 1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information the consumer identifies as a result of identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. ACCOUNT NAME : XXXX XXXX XXXX  XXXX : XXXX XXXX reported debt {$5400.00} As required by Title 15, United States Code, Section 1681c-2, please block this fraudulent information from my credit report immediately. This information must be blocked for one year, at which time I can request an extension of the block. During the block, it can not be reported as it no longer contains fraudulent information. I have called the agency several times reporting these fraudulent accounts on my report, and EXPERIAN has not wanted to give me a solution to this problem, which is totally affecting me from being able to buy a new house for my children. These accounts were deleted and were not verified by other agencies. I do not understand how they usually claim these accounts are mine. I have requested contracts from this company with my information and for over 60 days I have not received a response. Please help me delete these accounts immediately. I'm attaching the FTC report, hoping you'll take a more effective approach to my situation. Thank you.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX weeks from XX/XX/XXXX I sent in the free credit report form to TransUnion. I finally got a letter back XX/XX/XXXX ( dated XX/XX/XXXX ) stating they couldn't find a credit report for me. They wanted more verification. I called them and talked to a lady who would not give me her name and dropped the call ( on purpose, twice ) and told her I'd been a client since the XXXX and had TU reports in my hand from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. She finally " found me '' in their system but when I asked to be transferred to the department responsible for generating their " we can't find any history on you '' letters, she told me " you don't need to talk to anyone else '' and hung up on me. This is a VERY INCOMPETENT COMPANY. Neither XXXX nor XXXX have ever told me they can't find credit history information, but TransUnion does this to me about every XXXX years. Someone needs to penalize them for making consumers go out of their way to get a simple credit reports and lying about there being no credit history information available.

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: NY

Complaint narrative:
XXXX collection on Experian and Transunion credit reports are inaccurate amount. Please remove it 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
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: SC

Complaint narrative:
I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please see attachment this account is now officially aggravated identity theft and must be deleted asap

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: Experian Information Solutions Inc.
State: IL

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 2025-03-27 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: IL

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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is trying to collect a debt of {$490.00} saying it is from XXXX. I called them and they stated that I would need to talk to XXXX. I called XXXX and they stated i have no collections account with them! Ive disputed this account twice, both with XXXX and XXXX and it comes back verified and that is not true! This is causing me financial harm and distress as i am trying to purchase a home! 

Please this needs to be removed, it is invalid and not should not be on my reports!

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX {$1100.00}

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Credit Report Update Dear XXXX XXXX XXXX I am requesting an update to my credit report to ensure accurate reporting across all three major credit bureaus. Specifically, I would like my account to reflect that the current balance is XXXX, with no outstanding amount, as all payments have been made in full. 

At this time, the report appears to contain incorrect information regarding the balance. Please update the records accordingly to reflect the accurate XXXX balance. 

Thank you for your prompt attention to this matter. Please confirm once the update has been completed.

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: GA

Complaint narrative:
Subject : Request for Credit Report Update Dear XXXX XXXX XXXX, I am requesting an update to my credit report to ensure accurate reporting across all three major credit bureaus. Specifically, I would like my account to reflect that the current balance is XXXX, with no outstanding amount, as all payments have been made in full. 

At this time, the report appears to contain incorrect information regarding the balance. Please update the records accordingly to reflect the accurate XXXX balance. 

Thank you for your prompt attention to this matter. Please confirm once the update has been completed.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Credit Report Update Dear XXXX XXXX XXXX, I am requesting an update to my credit report to ensure accurate reporting across all three major credit bureaus. Specifically, I would like my account to reflect that the current balance is XXXX, with no outstanding amount, as all payments have been made in full. 

At this time, the report appears to contain incorrect information regarding the balance. Please update the records accordingly to reflect the accurate XXXX balance. 

Thank you for your prompt attention to this matter. Please confirm once the update has been completed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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