vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Okay, here is the updated CFPB complaint letter incorporating the information that you already contacted XXXX XXXX XXXX XXXX XXXX  and the inaccurate reporting persists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Or via online submission at XXXX ) Subject : Formal Complaint Against XXXX XXXX Company Failure to Correct Inaccurate Repossession Reporting After Direct Dispute XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding its continued inaccurate reporting of a vehicle repossession status to the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and its failure to correct this error after being notified directly. 

The vehicle in question, a XXXX XXXX XXXX, was voluntarily surrendered to XXXX XXXX XXXX. Despite the voluntary nature of this event, XXXX has inaccurately reported the repossession as involuntary on my credit file. 

I attempted to resolve this matter directly with XXXX. I sent a formal letter ( copy attached ) on XX/XX/XXXX, outlining the inaccuracy and requesting that they correct the repossession status from involuntary to voluntary surrender with all credit bureaus. I also requested a copy of the repossession agreement confirming the voluntary nature of the surrender, as I am unable to locate my copy. 

Despite my direct dispute sent nearly two months ago, XXXX XXXX XXXX has failed to take corrective action. As of my most recent credit report review on XX/XX/XXXX, the repossession still appears incorrectly listed as involuntary. This continued misreporting violates XXXX 's obligations as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires the furnishing of accurate information, and potentially 1681s-2 ( a ) ( 8 ) regarding investigation duties following a direct dispute. 

The mischaracterization of this account status as an involuntary repossession has adversely impacted my credit profile and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 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: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I demand that the following account be verified or removed immediately : XXXX XXXX - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 
XXXX XXXX - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 
XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.

1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.

1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-14 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-04-14 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: FL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-14 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt ( Remove all Inquiries ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
o Whom It May Concern, I am formally disputing the reinsertion of the XXXX XXXX Account number XXXX my Experian, Transunion and Equifax credit report. 

This account was deleted as of XX/XX/year>, and inexplicably reinserted by XX/XX/year>, without any notice. I was not informed in writing, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I do not recognize this account and believe it may be the result of identity theft, a mixed file, or otherwise unverifiable information. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Proper Notice You are required to provide written notice within 5 business days after reinserting any previously deleted item. I received no such notice regarding this reinsertion. 

2. FCRA 611 ( a ) ( 5 ) ( C ) Failure to Certify Accuracy Before Reinsertion Information previously deleted may only be reinserted if the furnisher ( Self Financial ) certifies its accuracy. Please provide documentation that such certification was received. 

3. FCRA 611 Right to Dispute Inaccurate or Unverifiable Information Because I do not recognize this account and it was previously removed, I am again exercising my right to dispute. You are required to : Investigate the accuracy of this account. 
Obtain verification from the furnisher, including signed application, billing statements, or proof of use. 
If the account can not be verified, it must be deleted. 
This account is not mine, and I request deletion on the basis of possible identity theft, a mixed file, or unverifiable data. 

4. FCRA 609 Right to Full Disclosure I formally request : A copy of the original application for this credit account.

Billing records or transaction history. 
Any records used to verify the account 's ownership or status. 
If you or the furnisher can not provide these records, this account must be removed. 

5. FCRA 607 ( b ) Obligation for Maximum Possible Accuracy You are required to report information that is complete, factual, and accurate. Re-reporting a disputed account without resolving the dispute or without updated verification is a direct violation of this duty.

6. FCRA 605 Obsolete Information presence must still be accurate and verifiable during that time. Anything less is a violation.

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 2025-04-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
o Whom It May Concern, I am formally disputing the reinsertion of the XXXX XXXX Account number XXXX my Experian, Transunion and Equifax credit report. 

This account was deleted as of XX/XX/year>, and inexplicably reinserted by XX/XX/year>, without any notice. I was not informed in writing, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I do not recognize this account and believe it may be the result of identity theft, a mixed file, or otherwise unverifiable information. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Proper Notice You are required to provide written notice within 5 business days after reinserting any previously deleted item. I received no such notice regarding this reinsertion. 

2. FCRA 611 ( a ) ( 5 ) ( C ) Failure to Certify Accuracy Before Reinsertion Information previously deleted may only be reinserted if the furnisher ( Self Financial ) certifies its accuracy. Please provide documentation that such certification was received. 

3. FCRA 611 Right to Dispute Inaccurate or Unverifiable Information Because I do not recognize this account and it was previously removed, I am again exercising my right to dispute. You are required to : Investigate the accuracy of this account. 
Obtain verification from the furnisher, including signed application, billing statements, or proof of use. 
If the account can not be verified, it must be deleted. 
This account is not mine, and I request deletion on the basis of possible identity theft, a mixed file, or unverifiable data. 

4. FCRA 609 Right to Full Disclosure I formally request : A copy of the original application for this credit account.

Billing records or transaction history. 
Any records used to verify the account 's ownership or status. 
If you or the furnisher can not provide these records, this account must be removed. 

5. FCRA 607 ( b ) Obligation for Maximum Possible Accuracy You are required to report information that is complete, factual, and accurate. Re-reporting a disputed account without resolving the dispute or without updated verification is a direct violation of this duty.

6. FCRA 605 Obsolete Information presence must still be accurate and verifiable during that time. Anything less is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$600.00} Identified Compliance Issues : Account status listed as 'Indeterminate " not a valid Metro XXXX code. 
Experian reports 'payment deferred ', while others list 'pays as agreed '. 
XXXX lates appear despite deferment status. 

These reporting errors violate XXXX XXXX data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$600.00} Identified Compliance Issues : Account status listed as 'Indeterminate " not a valid Metro XXXX code. 
Experian reports 'payment deferred ', while others list 'pays as agreed '. 
XXXX lates appear despite deferment status. 

These reporting errors violate XXXX XXXX data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

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 2025-04-14 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-14 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-14 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: KY

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XX/XX/year> received numerous calls from Radius Global Solutions and told them to stop harassing me via telephone. They call using multiple different numbers throughout the day.

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