vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
This is my 2nd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
This is my 2nd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
On XX/XX/year> I called to request that my debt be returned to XXXX XXXX. I wanted to know if that'd be possible. The line was directed to a XXXX XXXX I verified the TSI account number and proceeded to ask my question. I was then stopped by XXXX XXXX and was told that I needed to give him my full social security number to verify my identity. When I expressed that I was uncomfortable with giving my complete social security number ( When I personally have not entered into an agree with them and am uncomfortable with them have my personal information ), XXXX XXXX began yelling at me and using predator tactics such as elevating his voice, misleading the conversation and talking over me, in order to intimidate me. I know by law that I not required to verify my identity by giving my full social. I wish to not deal with a shady business, with predatory agents

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 2025-03-17 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: MI

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-17 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:
This is my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was approved by USAA for an auto loan. After finding the car and signing the loan docs, they came back and said that they can not approve the application due to Poor prior interaction with you or co applicant. FYI- I do not have co-applicant. I did not have any prior interaction with USAA before this Loan. I think they just send a random response not to honor already approved loan.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I received a notice from the IRS that I had to pay more on my taxes from 2023 because of a cancellation of debt that was turned in by Bank of America. I have no Cancellation of debt. I sent a notice to the IRS and a copy of my credit report showing I have no cancellation of debt. IRS told me to contact Bank of America and get it cleared up. Bank of America will not help anyone.

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 2025-03-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate report of a delinquent payment on my credit report. I made a final payment of {$2700.00} to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, to pay off a loan I obtained on XX/XX/XXXX. Despite this, on XX/XX/XXXX, I received an email notification from TransUnion stating that a delinquent payment was reported. 

After receiving this notification, I contacted XXXXXXXX XXXX XXXXXXXX customer service for clarification. I was informed that there is no one I can speak to regarding credit issues because credit specialists are in a different department and can not be contacted. I specifically requested that the inaccurate delinquent payment be removed, but was unable to resolve the issue through their customer service. 

I am requesting that the late payment reported to the credit bureaus be removed, and that the account be updated to reflect that it was paid off in full and closed. The reporting of a delinquent payment is false and does not accurately reflect the status of my loan, as I have already made the final payment in full. 

I would like to bring attention to the following laws and regulations that govern the accurate reporting of information on credit reports : Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate, and consumers have the right to dispute any inaccuracies on their credit report. 
Regulation V ( 12 CFR Part 1022 ) This regulation, issued by the Consumer Financial Protection Bureau ( CFPB ), requires companies to correct or remove inaccurate or incomplete information on credit reports after being notified of a dispute. 
Given the circumstances, I would like your assistance in ensuring that this inaccurate report is corrected. I request that XXXXXXXX XXXX XXXX be directed to update the information immediately, ensuring my credit report accurately reflects that the loan was paid off in full and the account is closed. 

Please let me know if you require any further documentation or information to support my case. Below you will find my payoff receipt that was sent to me by email. I look forward to your prompt attention to this matter and to the correction of my credit report.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a request for removal of adverse information from my report, resulting from trafficking, under the The Debt Bondage Repair Act ( DBRA ) to Transunion and received a confirmation email that the request was received and under review. 

It has now been 11 days and no information requested has been removed, nor have I received any communication requesting supporting documentation or communication that more investigation is needed. Today I again emailed requesting an update. It has been past the 4 day rule as required by law for Transunion to block all information outlined in my trafficking victim letter, which was accompanied by proof of identity ( driver 's license ), a self attestation signed by an XXXX official, as well a letter from an XXXX victim 's advocacy organization as outlined in the DBRA.

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 2025-03-17 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
brclys bank dated XX/XX/year> I didn't authorize this inquiry please remove federal trade report 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 explanation
Consumer complaint received 2025-03-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing an account fraudulently reported by JPMorgan Chase due to identity theft. Despite multiple disputes, it remains on my credit report, causing severe financial harm. Additionally, I lawfully attempted to set off the alleged debt under 12 U.S.C. 411, yet Chase has failed to remove it.

I have kept my account frozen for protection, but this has negatively impacted my life and financial opportunities. Chases continued reporting constitutes defamation and unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: HI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-17 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Original dispute XXXX response XX/XX/year> feedback that The issue was not fixed and was unbale to review documents. 

This matter is not settled due to my rights being violated. My information continues to be reported inaccurately on my credit report. The documentation provided listed the name, but I do not recognize the company or accounts for which they sent documentation. None of the documents that were sent were any of the documents I requested for validation of any of the alleged debt owed to LVNV Funding as the owner of allege debt or Resurgent Capital as the servicer of the alleged debt. The validation letter with my original signature, chain of assignment letter, forward flow agreement, purchase agreement. Since this documentation has not been provided and I do not have any knowledge of a signed contract with LVNV Funding or Resurgent Capital Services my rights under 15 USC 1681 have been violated.

In addition, I am requesting a description of the procedure used to determine the accuracy and completeness of the information that is being disputed. Who was interviewed regarding this account? How did you come to this determination? What process was used to determine the alleged amount owed? If the requested documentation is not provided and verified by the FCRA and Consumer Law, I request the immediate removal from reporting on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX,2023 XXXX  it wasnt a payment that I authorize. Ill contact the cash app and they couldnt do anything for me. This happens on multiple occasions. 
XXXX XXXX,2023 XXXX  was taking from my cash app account cash app told me they couldnt do anything after I filed multiple complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
Under the FCRA, I am entitled to dispute inaccurate information, and I expect that your company investigates and rectifies the issue as outlined in the Act. As per 15 U.S. Code 1681i, I request that you investigate these items, correct any inaccuracies, and notify me of the results of the investigation within the required timeframe.

Additionally, I would like to remind you that any willful failure to comply with the FCRA, as outlined in 15 U.S. Code 1681o, may subject you to civil liability. I trust that this matter will be resolved in a timely and accurate manner to avoid any further legal action.

Please provide me with written confirmation that the dispute has been resolved, and update my credit report accordingly. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this dispute has been handled promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA, I am entitled to dispute inaccurate information, and I expect that your company investigates and rectifies the issue as outlined in the Act. As per 15 U.S. Code 1681i, I request that you investigate these items, correct any inaccuracies, and notify me of the results of the investigation within the required timeframe.

Additionally, I would like to remind you that any willful failure to comply with the FCRA, as outlined in 15 U.S. Code 1681o, may subject you to civil liability. I trust that this matter will be resolved in a timely and accurate manner to avoid any further legal action.

Please provide me with written confirmation that the dispute has been resolved, and update my credit report accordingly.

Thank you for your attention to this matter. I look forward to receiving confirmation that this dispute has been handled promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Deferred, payments begin XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief