vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Communication was asked for via their call center request for payment by XXXX, on several occasions I've since changed phones, I'd like to have call records to my phone by XXXX  on behalf of XXXX, I was committed to setting up a agreement, but I need proof of purchase and what and how it was purchased? One thing I learned is the deceptive manner at time of using credit or direct payment, I primarily thought I was paying by bank account, statements were not by paper as they charge for this so I was XXXX at work, had major XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  for several months under XXXX XXXX XXXX, shortly after was divorced, I believe I was taken advantage of in my time of disparage, thus I sought help to figure out how, what, when debt occurred, I don't think this is unreasonable, especially being a XXXX  with XXXX XXXX I've been with XXXX for years never had an issue, but increasingly upping interest rates make it impossible to pay initial loan, loan sharks come to mind?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I have sent multiple rounds of dispute letters to XXXX and Equifax regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. 

Some disputes were marked as " frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. 

I requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. 
Statements of payments made and missed. 
Proof of investigation results and decisions made regarding my disputes. 
To date, neither XXXX nor Equifax has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. 

I seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. 
Correction or deletion of inaccurate or unverifiable information from my credit reports. 
Proof of compliance with FCRA requirements for each disputed item. 
I request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: OK

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX, XXXX, and XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I filed a fraud claim with Cash App after purchasing clothes from a seller on XXXX, only to discover the transaction was a scam. The merchant never shipped my order or provided a tracking number. Despite multiple emails with no response, I reached out to Cash App, providing all the necessary proof, including email correspondence with the seller. However, Cash App has not refunded my money or resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am sendung this complaint to formally demand the correction of an inaccurate late payment reported on my credit profile. The item in question is : CAP ONE AUTO XXXX BALANCE {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was pressured into buying a XXXX  XXXX XXXX with my friend co-signing. I told the guy no but he kept talking to my friend and convincing her to sign the paperwork. 
After going home I went through the paperwork, nothing was clear to me until Im checking the payment history and the interest rate amount they were taking out. 
Every $ XXXX they take $ XXXX towards the interest. By the time I pay the truck off Ive paid the same amount as the loan in interest rate. Lets say the truck was for XXXX the interest rate amount would be XXXX. This should be illegal its not fair!!!! 
This was not clear to me when buying. I wouldve never got this used truck. Thats a no brainer that its a bad investment seeing the break down AFTER payments are made and they take out their portion. I called credit acceptance and all they said well you signed the contract THEY DO NOT CARE. They need to be sued.

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 2025-01-26 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: FL

Complaint narrative:
Equifax 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 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Eletronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
EQUIFAX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account Information Under FCRA Dear EQUIFAX, I am writing to dispute inaccurate information appearing in my credit report, which is under your responsibility to maintain with the maximum possible accuracy, as established in XXXX XXXX XXXX ( XXXX  ). 
The following account is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX. This account violates the following laws under the FCRA : 1. 15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation of disputes related to credit report inaccuracies.

2. 15 U.S.C. 1681s-2 : Furnishers of information are required to provide accurate and complete data to credit reporting agencies.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted promptly.

4. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. 
The account in question is inaccurate because name of the original creditor is inaccurate '', the original creditor operates outside the United States ( in this case, XXXX ), legally can not be enforced or reported under U.S. Credit laws. " and the debt is legally invalid. 
I request that EQUIFAX : ( 1 ) Delete this account from my credit report immediately, as it violates the FCRA provisions outlined above. ( 2 ) Provide me with an updated copy of my credit report reflecting this change. ( 3 ) Inform me of the results of your reinvestigation within the legally mandated time frame.

Enclosed are copies of supporting documents ( e.g., my identification ) to assist in resolving this matter. Please treat this letter as a formal dispute. I expect your response within 30 days of receipt, as required by the FCRA. 
I appreciate your prompt attention to this matter. I look forward to your response. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Formally disputing the following inaccurate entries on my credit report. I believe these items do not comply with the requirements set forth by the Fair Credit Reporting Act ( FCRA ), specifically Section 15 us.code 1681o, which holds consumer reporting agencies liable for negligence in reporting inaccurate or incomplete information. 
The following items are being disputed : INQUIRIES XXXX. XXXX  XXXX XXXX - INQUIRY DATE : XXXX Reason : DID NOT AUTHORIZE XXXX. XXXX XXXXXXXX XXXX - INQUIRY DATE : XXXX Reason : DID NOT AUTHORIZE XXXX. SXXXX XXXX  : XXXX Reason : DID NOT AUTHORIZE PERSONAL INFO XXXX. ADDRESS XXXX : XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute Reason : INACCURATE INFORMATION. THIS IS NOT ADDRESS ASSOCIATED WITH MY PERSON. 
XXXX. EMPLOYERS : XXXX XXXX XXXX Reason : INACCURATE INFORMATION. THIS IS NOT ADDRESS ASSOCIATED WITH MY PERSON. 

XXXX XXXX [ XXXX ] Dispute Reason : INACCURATE REPORTING AND INVESTIGATION OF LATE PAYMENT. AS WELL AS PERMISSION WAS NOT GIVEN TO REPORT NEGATIVE AND FALSE LATE PAYMENTS. PLEASE REMOVE LATE PAYMENTS OFF CREDIT REPORT AND REPORT AS CURRENT UP TO DATE. 

As per the FCRA, I am requesting a full investigation into these items and their removal or correction if found to be inaccurate or unverifiable. Under Section 1681o, I am entitled to a timely and thorough investigation, and I believe that the listed items fail to meet the standards for accuracy and completeness as required by federal law. 
Please provide me with the results of your investigation, and update my credit report to reflect any corrections or deletions that are made as a result. Additionally, I request that you notify all parties who have accessed my report in the last 6 months of any corrections made, as per my rights under FCRA. 
I am also requesting that you provide me with the name, address, and telephone number of each furnisher of information that was used in compiling these entries, as well as a description of the procedures used in conducting your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period required by law.

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 2025-01-26 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: LA

Complaint narrative:
Transunion, XXXX and XXXX 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 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, XXXX and XXXX 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 permanently remove the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

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 2025-01-26 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: HI

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I marked as inaccurate. Fair Collections & Out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a vXXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Has violated my rights. I look at my experience credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatments of inaccurate unverifiable ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed

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