vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove and amend the accounts. Experians inaction violates federal law and my rights as a consumer.

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 2025-03-14 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:
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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-03-14 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Called 9 times within 7 days repeatedly calling every day. I told them to stop calling weeks ago.

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I contacted Resurgent Capital Services in writing via their website contact portal on XX/XX/XXXX stating the following : Hello, I am working with a debt resolution program called XXXX XXXX. On XX/XX/XXXX, I accepted a settlement amount of {$1100.00} from XXXX through the XXXX XXXX program. XXXX failed to finalize this agreement and sold the debt to your company. I have proof of the above offer and date of my acceptance and have attached that below. I am just looking for the settlement amount I agreed to - {$1100.00}. I could pay this off in XXXX separate installments. Thank you. 

I have filed a complaint with the CFPB against XXXX XXXX for their deceptive practices of agreeing to a debt settlement amount that they never intended to follow through on. It appears that XXXX XXXX sold the debt to Resurgent Capital, although that remains unclear.

I was contacted via the US mail by Resurgent Capital Services threatening lawsuit. I am simply looking for the debt settlement amount I relied upon and agreed to to be honored. 

As it stands currently, it appears that XXXXXXXX XXXX and Resurgent Capital are working in tandem to abuse and threaten consumers who are in good faith attempting to settle old debts. 

Whether a representative for XXXX XXXX  or a representative for Resurgent Capital Services agreed to a fictitious debt settlement offer that I relied upon and accepted through XXXX XXXX  - the result is still the same. 

These types of practices, where a consumer accepts the settlement offer put forth that was a phony debt settlement offer violates the Consumer Financial Protection Acts prohibition against deceptive acts and practices. I relied upon the settlement offer that XXXX made and negotiated with XXXX XXXX. These practices outlined herein are alarming, violate both state and federal law, disregard my financial situation, and economic challenges many are facing including myself, and highlight unfair, deceptive, and non-cooperative debt collection practices. These practices highlighted herein also raise concerns about XXXX and Resurgent Capital 's commitment to working with consumers to find fair resolutions in times of financial difficulty and also raise concerns about transparency, honesty, and fairness from XXXX and Resurgent Capital Services and its legal representatives which is crucial in fostering trust and fairness in financial services with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CL Holdings LLC
State: NC

Complaint narrative:
Account is being reported on my credit as accurate and verified which is not correct. Original credit was written off in which they received credit for that debt. XXXX understand how this debt would be owed to you as a XXXX party to I nor whomever took out the debt with the original creditor signed no paperwork or contract with you. ( XXXX XXXX ) XXXXI was a victim of identity theft in which I sent all information to original creditor. I hereby request that you remove debt off my credit report. The original creditor has removed it already and doesnt understand why you havent. If not resolved asap my next action left will be to file a civil lawsuit. Been disputing this for far too long. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NM

Complaint narrative:
I am disputing the late payments reported on my credit report, as they were reported without my consent, in violation of 15 U.S.C. 1666b. Furthermore, this reporting is in conflict with 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), which governs the permissible use of credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
Subject : Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA.

Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law.

If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General.

This letter serves as official notice under federal law. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-14 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$4400.00}, XXXX XXXX Balance : {$2100.00} & XXXX XXXX Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$4400.00}, XXXX XXXX Balance : {$2100.00} & XXXX XXXX Balance : {$5500.00}

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 non-monetary relief
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Waypoint has not removed this inacurate information from XXXX XXXX and XXXX. They said they would close and remove this information, but this inaccurate information is still on 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 explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry 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
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: AR

Complaint narrative:
I purchased a service and the service was not received I requested a refund and was declined I opened a dispute with Cash App customer support they did not do they due diligence in investigating and told me they were not able to validate it was a scam and that I would not be receiving my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I have checked my credit report for Experian and I have noticed that these accounts are not reporting ACCURATLEY. I am demanding that they be removed Immediatly. The accounts are listed below. 

XXXX XXXX - Late Payment ( I was not late on this account ) XXXX Mortgage - Late Payment ( Experian cant report late accounts per there policy without reporting a 30 day late payment prior, also I was not notified XXXX days prior to this being added to my credit profile ) XXXX XXXX XXXX XXXX - Charge Off ( This account has been closed but it is still being updated as late and charged off, Experian can not show a High Balance nor a balance on a charged off account nor update it monthly it was charged off once not monthly. 

Bankruptcy - XXXX XXXX ( no records indicate a XXXX record, not the court nor lexis nexis have this informtaion not the other credit agencies so where is Experian getting this information, Please remove this from my records

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 2025-03-14 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: CO

Complaint narrative:
I called annual credit report a month ago to request my free credit report. Their telephone system is terrible, I was unable to get through to request my credit report, as their telephone robot is slow and does not follow directions. So, after spending an hour or so on the phone trying to reach someone on the phone, I gave up and printed the request forms online, filled them out, mailed them a month ago, but still haven't received my report. Please help!

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 2025-03-14 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 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: AZ

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses. and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing, mental health, and opportunities to improve my life. I am requesting immediate corrective action to remove or amend disputed account, as Transunion inaction violates federal law and my rights as a consumer.

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