vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 

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 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 non-monetary relief
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services 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 resolution requirements under the Electronic 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 2025-02-25 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:
Subject : Formal Complaint Against Experian for Inaccurate Account Reporting and Dispute Restrictions Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for their continued failure to provide proper verification of disputed accounts on my credit report. Despite my repeated disputes, Experian continues to claim that the accounts have been verified, yet they have failed to provide any substantive proof of verification, such as original creditor documentation or account agreements. Additionally, I am now unable to dispute these accounts directly through Experian, further preventing me from correcting inaccurate information on my report.

The accounts in question are as follows : XXXX  XXXX/XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX XXXX  XXXX/XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation of disputed information and provide consumers with verification details upon request. By failing to supply proof of verification and restricting my ability to dispute these accounts, Experian is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages.

As a result of this inaccurate reporting, I have been unfairly denied credit and subjected to financial and emotional distress. I am formally demanding that Experian : Provide full verification details, including original creditor documentation, for the accounts listed above. 

Immediately remove any accounts that can not be properly verified. 

Restore my ability to dispute these accounts directly through Experian. 

Provide a written confirmation of any deletions or updates made to my credit report. 

Should this matter not be resolved promptly, I am prepared to escalate this issue further, including seeking legal remedies. 

I appreciate the CFPBs assistance in ensuring Experian adheres to its legal obligations under the FCRA. Please keep me informed of any developments regarding my complaint.

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 2025-02-25 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: MI

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

Company 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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX which is a third party whom is not accredited has told XXXX that I owe XXXX. I have requested proof via phone and writing. When I call they dont even have my correct social security number and say they dont have an account for me but they are continually reporting on my credit. I have been disputing for a long time and this is hurting my ability to move. Please have the Credit Bureau and XXXX XXXX XXXX XXXX XXXX remove this false information. The company is not even registered legally to be reporting on my behalf. I never did business with them and never signed anything please remove this immediately. Its not fair that they can just say anything and it holds weight with no proof. Its only reporting on XXXX none of my other reports shouldnt the reports match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I am filing a complaint against Equifax as well as trans Union and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax as well as trans Union and Experian credit bureaus 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, trans Union, and Experian 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts and addresses that I have marked as an accurate. Addresses- 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 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 2025-02-25 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:
I am filing a complaint against Equifax as well as trans Union and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax as well as trans Union and Experian credit bureaus 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, trans Union, and Experian 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts and addresses that I have marked as an accurate. Addresses- 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 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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMEN Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Removal of Late Payments Accounts : XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX Dear Sir/Madam, I am writing to formally dispute the late payments associated with my credit reports for the following accounts : XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX  XXXX  Acct # XXXX, XXXX Acct # XXXX I am requesting the removal of these late payments based on the following legal protections under federal law : 15 U.S. Code 1681i Procedure in case of disputed accuracy : Under this section, I am entitled to a complete and accurate credit report. If the information being reported is incorrect or unverifiable, I have the right to request its correction or removal. In this case, the late payments for both accounts are inaccurately reported, as the account holders may have failed to properly report the payments or there may be errors in their internal records. 

15 U.S. Code 1681e Accuracy of report : According to this law, Equifax must ensure that the information provided in my credit report is accurate and reliable. If any information reported is not accurate, it is your responsibility to correct or remove it promptly. The late payments reported for the accounts in question do not reflect my actual payment history.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : Under this statute, companies that report information to credit reporting agencies must provide accurate and complete information. If the account holders have failed to meet this responsibility, I am entitled to have the incorrect information removed from my credit report.

15 U.S. Code 1666b Billing error resolution : This law mandates that billing errors be promptly investigated and corrected. If there were any discrepancies or delays in billing that led to these late payment reports, they should be rectified, and the impact on my credit report should be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
I came across the CFPB Experian lawsuit I feel I was negatively impacted hurting my chances at credit. After receiving response to my early dispute.

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 2025-02-25 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I went to check out my XXXX credit report on XXXX credit XXXX  in states that my student loans is in a Derogatory state which is a delinquent status which is not true. Currently, I am enrolled in school at XXXX XXXX XXXX XXXX and I am in a forbearance due to President XXXX XXXX student loans is payment freeze. It should state a 100 % on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX  XXXX  IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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 2025-02-25 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: SC

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-25 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. Wrong address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, hard inquiries XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX OF XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( 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