vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please treat this letter as a formal request for verification of the debt in question. 

The details of the debt you are claiming are as follows : Account Number : XXXX Amount Owed : XXXX Creditor Name : Capital XXXX Please provide me with the following information to validate the debt : The amount of the debt, including a breakdown of any fees or interest charges that have been added. 

The name of the creditor to whom the debt is currently owed. 

A copy of the original signed contract or agreement, or some other evidence of my responsibility for this debt. 

A complete history of any payments made on the account, if applicable. 

Any judgment, lien, or collection proceedings related to this debt. 

In accordance with the FDCPA, I ask that you cease any collection activities until the debt has been validated. Additionally, I request that you provide me with documentation showing that you are authorized to collect this debt on behalf of the creditor. 

Please send all correspondence to the address listed above. If you fail to provide the requested information, I will consider this matter resolved and will take appropriate action as necessary to protect my rights. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely,

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 2025-03-24 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: GA

Complaint narrative:
Creditor Account : DEPT OF EDUCATIONXXXX, {$53000.00} Account Number : XXXX Creditor Account : XXXX  XXXX {$4200.00} Account Number : XXXX Creditor Account : XXXX XXXX XXXX Account XXXX : XXXX Creditor Account : XXXX XXXX  Account Number : XXXX creditor account : XXXX XXXX ; {$3800.00} creditor account : XXXX XXXX {$1300.00} Reason for dispute : Late Payment/ Negative Status/Closed Account : The account reflects a late payment that I dispute. I believe this late payment should be removed from the account as it is in violation of 15 U.S. Code 1681a and 15 U.S. Code 1666. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, you are required to provide validation of the information reported. If you do not have appropriate documentation to substantiate the late payment, I request that this be removed from my credit report. 
Additionally, I would like a copy of all supporting proof within 30 days, including the original contract or agreement that reflects my obligation, as well as phone conversation records in relation to any discussions of my unemployment and XXXX, as these factors affected my ability to make timely payments. 
This inaccurate listing is negatively affecting my credit score and, by extension, my ability to secure loans or financial opportunities. As such, I ask that you investigate and correct the report accordingly. 
I look forward to hearing from you regarding this matter. Please forward a copy of my updated credit report to my address. Thank you.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor Account : DEPT OF EDUCATIONXXXX, {$53000.00} Account Number : XXXX Creditor Account : XXXX  XXXX {$4200.00} Account Number : XXXX Creditor Account : XXXX XXXX XXXX Account XXXX : XXXX Creditor Account : XXXX XXXX  Account Number : XXXX creditor account : XXXX XXXX ; {$3800.00} creditor account : XXXX XXXX {$1300.00} Reason for dispute : Late Payment/ Negative Status/Closed Account : The account reflects a late payment that I dispute. I believe this late payment should be removed from the account as it is in violation of 15 U.S. Code 1681a and 15 U.S. Code 1666. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, you are required to provide validation of the information reported. If you do not have appropriate documentation to substantiate the late payment, I request that this be removed from my credit report. 
Additionally, I would like a copy of all supporting proof within 30 days, including the original contract or agreement that reflects my obligation, as well as phone conversation records in relation to any discussions of my unemployment and XXXX, as these factors affected my ability to make timely payments. 
This inaccurate listing is negatively affecting my credit score and, by extension, my ability to secure loans or financial opportunities. As such, I ask that you investigate and correct the report accordingly. 
I look forward to hearing from you regarding this matter. Please forward a copy of my updated credit report to my address. Thank you.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Absolute Resolution Investment is on my credit report and sending me mail claiming I owe a {$12000.00} debt they brought from another company. I did not take out a loan, someone else did by using my information without my consent n or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax 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 2025-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
XX/XX/year> XX/XX/year> I've disputed incorrect information and collections being reported on my credit report. I've requested old addresses and names I've never used to be removed from my credit report. They still remain. I have sent in proof and my identity and address to the credit bureaus.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Dear Sir/Madam, I am formally disputing the alleged debt your company has reported in connection to XXXX XXXX XXXX I have no contractual relationship with your agency or the original creditor. Reporting this debt violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This action is misleading, damaging to my health, and constitutes a form of harassment. I request that you cease and desist all communications with me immediately and remove any information youve reported to credit bureaus. 

To validate this claim, provide the following per FDCPA 1692g ( b ) : Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ) Legal basis for the collection Proof of your license to collect in my state Signed contract bearing my signature Full account history from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Kia finance will call repeatedly before your payment is due. My payment is due the XXXX of every month and they have called me on the XXXX, on a weekend, and after XXXX pm several times. They have also threatened me by saying I could face repossession of my vehicle because I didn't pay yet and this was XXXX day late. They have been harassing me like this since XXXX. I've never missed a payment or paid past the grace period.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Glory LLC
State: NC

Complaint narrative:
Called to get my collections took off my credit and credit glory explained the process to get the collections off my credit and start asking for payment information to start the process of getting the collections off my credit i paid them {$270.00} for removal and a additional {$100.00} for no removal of the debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Ac

t ( 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 5o financial loss, an
d I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a United States XXXXXXXX XXXX My sir name is incorrect, I am a JR, not a THIRD or a SR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a United States XXXXXXXX XXXX My sir name is incorrect, I am a JR, not a THIRD or a SR.

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 2025-03-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SSN Card.

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 2025-03-24 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: NC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SSN Card.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I leased a XXXX XXXX on XX/XX/XXXX of XXXX. It never got reported on my credit. I made my payments to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I found this out somewhere in the middle of my lease. I contacted XXXX to get it handled. They assured me that it would get handled. I even extended my lease by a year. Then in XXXX of XXXX I purchased my lease and kept the car. Still no report of it on my credit.

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 2025-03-24 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Have a court date it against XXXX  state law to purchase credit that has been written off and then report that I am late with payments and the account was written off and XXXX  being sued XXXX.had a security breach and so did XXXX. And my indie has been Compromised by all XXXX and plus I paid to have insurance on my XXXX  XXXX Account and I fell behind during Covid and I told them to file insiuclaim since my XXXX  was reduced during that time they did not sold my account to XXXX  {$2900.00}. 
Open balance CAVALRY PORTFOLIO SERVICES Original creditor And they are not the original creditor XXXX  XXXX was and they told me they wrote it off

Company response to consumer: Closed with explanation