vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
Someone is wrongfully using my info and i would like this removed from my credit report XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$94.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: VA

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 2025-03-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers. 
Inaccurate reporting and failure to investigate a dispute. 
Under the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : Failing to verify information or follow procedures outlined by the FCRA. 
Non-Compliance : The refusal to provide requested documentation. 
This negligence and non-compliance have caused significant harm, including financial loss, lowered credit score, and emotional distress. As such, I am holding your company accountable for these violations.

I request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA.

Correct all inaccurate information in my file and provide written confirmation.

Provide a written explanation detailing the actions taken and evidence supporting your findings.

Failure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. 
Please respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above.

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 2025-03-06 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: TN

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have no knowledge of this account and believe it has been reported in error. I have informed MCM that I am a victim of fraud and requested a detailed breakdown of the alleged balance ; however, they have refused to provide this information. This lack of validation is concerning and adversely affects my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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 document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have tried many times with debt from 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. 

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX Capital XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all 3 credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : Bridgecrest XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a payment to a recipient for {$20.00} using the CASHApp mobile application. That transaction appears as a debit authorization. On XX/XX/year>, CASHApp, according to information received from the financial institution, initiated another transaction and debited the account for {$20.00}. This transaction was unauthorized. I did not make nor authorize CASHApp to initiate a separate debit transaction. This appears to be a recurring problem whenever using CASHApp and as a result of this practice, there is an outstanding debit authorization from XX/XX/year> in the amount of {$20.00} that has been taken from the available account balance in addition to the unauthorized debit initiated by CASHApp on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
XX/XX/year> Social Security NumberXXXX Subject : Request for Verification To Whom It May Concern, I am writing to dispute the following information on my credit report. The items I dispute are also circled on the attached copy of the credit report I received. I am formally requesting you to Verify the accuracy of this account ( s ) as directed in the FCRA 15 USC 1681 e ( b ) which states - 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. 

Account Names & Number ( s )  : XXXX ( XXXX ) Your failure to provide the requested information within XXXX  days of completing your investigation is a violation of the FCRA and subjects you to potential legal action for non-compliance. 

Be advised that any vague or non-specific explanations, such as verified through our automated system, are unacceptable and non-compliant with the FCRA. 

If the disputed information can not be verified, the law requires you to promptly delete it from my credit report. If you do not cease reporting these items, I will consider taking further action to ensure compliance, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and potentially initiating legal proceedings. 

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue all legal remedies to ensure these rights are upheld. Your prompt attention to this matter is expected. 

Sincerely. 

My contact information is as follows : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
**Enclosed** - A Copy of valid driver 's license/state ID/passport, SSN card, and proof of residence & a copy of the page on your credit report with the disputed items circled.

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 2025-03-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
XX/XX/year> Social Security XXXX Subject : Request for Verification To Whom It May Concern, I am writing to dispute the following information on my credit report. The items I dispute are also circled on the attached copy of the credit report I received. I am formally requesting you to Verify the accuracy of this account ( s ) as directed in the FCRA 15 USC 1681 e ( b ) which states - 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.

Account Names & Number ( s ) : XXXX ( XXXX ) Your failure to provide the requested information within 30 days of completing your investigation is a violation of the FCRA and subjects you to potential legal action for non-compliance. 

Be advised that any vague or non-specific explanations, such as verified through our automated system, are unacceptable and non-compliant with the FCRA. 

If the disputed information can not be verified, the law requires you to promptly delete it from my credit report. If you do not cease reporting these items, I will consider taking further action to ensure compliance, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and potentially initiating legal proceedings. 

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue all legal remedies to ensure these rights are upheld. Your prompt attention to this matter is expected. 

Sincerely. 

My contact information is as follows : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
**Enclosed** - A Copy of valid driver 's license/state ID/passport, SSN card, and proof of residence & a copy of the page on your credit report with the disputed items circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
I am reaching out to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is incorrect or unverifiable. The negative marks being reported against me are not accurate, and I request proper validation. 
You are required to ensure all reported data is fully documented and compliant with federal and state laws. If these claims can not be verified with proper evidence, they must be corrected or removed immediately. I also request proof of a permissible purpose for any inquiries or accounts in question.

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 2025-03-06 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:
I have NOT supplied proof under the doctrine of ESTOPPEL by silence, Engiehardt V. Gravens ( MO ) 281 SW 715, 719. I presume that no proof of the Alleged Debt nor, therefore, any such debt in FACT therefore exists.

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