vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a new complaint regarding the continued reporting of a false $ XXXX collection account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX 



The only evidence used to justify this tradeline is a court document ( Form XXXX, dated XX/XX/XXXX ) from an unlawful detainer ( eviction ) case. However, that judgment does not include any enforceable money judgment, and there is no XXXX form or XXXX enforcement entry in the court record. 



In fact, the court only awarded possession of the unitnot monetary damages. Despite this, XXXX XXXX has repeatedly passed this document off as a verified monetary judgment, and the credit bureaus have accepted it. 


Additionally : XXXX XXXX was not the attorney of record when the judgment was entered The original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) has refused to verify the debt through the CFPB system and was referred to the FTC on XX/XX/XXXX ( see Complaint ID : XXXX ) TransUnion has reinserted the collection item without notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) This is a coordinated FCRA violation under 623 and 611. None of these parties can legally verify or collect this debt, and continued reporting is materially false, harmful, and negligent. 


-- - Regarding UD-110 Document : The only document that has ever been referenced to justify this tradeline is a California Form UD-110, which is the standard judgment form for unlawful detainer ( eviction ) cases. Although this form lists a dollar amount, it does not constitute an enforceable money judgment. There is no MC-012 ( Memorandum of Costs After Judgment ) filed, no E130 enforcement entry in the court docket, and no supporting documentation authorizing collection. In California, a monetary award in an eviction case is not collectible unless the landlord files the required post-judgment paperworkwhich has not occurred in this case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not the attorney of record at the time the judgment was entered, and they have misrepresented this UD-110 form as a collectible civil judgment in order to furnish a tradeline and pressure the credit bureaus. This is a deliberate misuse of a civil court form and a violation of the Fair Credit Reporting Act. Most alarming is the fact that the original creditor, XXXX XXXX XXXX XXXX, has refused to validate the debt and was recently referred to the Federal Trade Commission by the CFPB due to their non-responsiveness ( Complaint ID : XXXX ). 

The continued use of this unverifiable and legally misrepresented document across multiple credit bureaus is damaging, misleading, and unlawful. I am requesting permanent deletion and enforcement action to prevent continued abuse of eviction court documents to manufacture uncollectible debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Dispute of Inaccurate Credit Report Information Dear Credit Reporting Department, I am writing to formally dispute an inaccurate item on my credit report. The account listed below does not belong to me, and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account Information Creditor Name : XXXX Date Opened : XX/XX/year> Reported Balance : XXXX This account is being reported in error. I have no knowledge of this account, did not authorize its opening, and have never received or activated a card from this issuer. I suspect it may have been added fraudulently.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. I kindly request that this account be removed from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, an unauthorized individual accessed my phone and accepted a pending Cash App request for {$20.00} without my knowledge or consent. I did not initiate or approve this transaction. 

After realizing what happened, I contacted the person who took the money and asked for it to be returned. They refused and then sent me another request for money, which I found threatening and manipulative. I immediately contacted Cash App support by phone. They advised me to block the user, which I did. 

I filed a dispute and later submitted an appeal. Both were denied without any indication that a proper investigation was done. I explained clearly that the transaction was not approved by me, and that the other user had acted maliciously. Cash App has refused to assist or reverse the unauthorized charge. 

I am requesting a refund of the {$20.00} under the protections outlined by the Electronic Fund Transfer Act ( EFTA ) regarding unauthorized electronic transactions. I am also asking for documentation of their investigation process and an explanation for the denial. 

Cash Apps current resolution process is inaccessible and dismissive, and their response has not followed fair consumer protection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid contract or agreement establishing the alleged debt. 3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX Account # 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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced above and to notify you that Credit Corp Solutions have committed several violations of my consumer rights. and are in direct violation of multiple federal regulations and statutes. 

Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering I never opened these fraudulent accounts and was unaware of their existence, I demand that they be removed from my credit report. I am asking them to be deleted within XXXX days in accordance with USC 1681g. Relevant documents are enclosed as evidence.

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint narrative:
My husband purchased a used vehicle and financed through XXXX XXXX XXXX. When he tired to make his first payment. It did not go through and he did not find out until XXXX days later he then made the payment the correct way and tried to log into his XXXX account to see if the payment went through upon trying to login, he discovered that he was blocked from his account so he called XXXX customer support and they advise that since he was XXXX days late on his payment that his account was locked and he had to make XXXX successful payments for it to be unlocked. after XXXX successful payments and then some he discovered that his account was still unlocked more than XXXX months later so he called back and XXXX pretty much said oops, our bad. fast-forward, I tried to make a payment on his car, using his login with him present through the XXXX website XXXX I had no problems doing it this way, but he typically pays it through our bank bill pay. today I tried to log onto the account to see if the payment went through because it had not hit our bank account yet only to find that he was locked out yet again. Ive then called XXXX customer service and they told me that his account had been locked because he paid a different way than he usually does and he was ahead on his payment which does not make sense to me so here we are again and have to make XXXX payments in order for the account to be unlocked. The issue is we are trying to pay off of this car and our loan information is being withheld from us. I dont feel that this is right and they advised that there was nothing at all that they could do to get the account unlocked. I dont see anywhere in our contract that this is something that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
b'please see important documentation pertaining to EQUIFAX DATA BREECH'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Request to Remove Inaccurate Collection Account Re : XXXX XXXX XXXX XXXX XXXX Disputed Collection Account I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX XXXX XXXX XXXX. The account is inaccurate and should be removed based on documentation I received directly from the collection agency. 
After I submitted a validation request to XXXX XXXX Solutions, their written response confirmed the following : " This will confirm that all collection activity has been suspended and your credit report has been updated to reflect that this account is disputed. '' XXXX XXXX, General Counsel, XXXX XXXX XXXX XXXX XXXX Based on this, the debt has not been validated, collection activity is suspended, and the account is actively disputed. Per the Fair Credit Reporting Act ( FCRA ), unvalidated or inactive collection accounts should not remain on my credit file in a way that misleads lenders or impacts my creditworthiness. 
Given that the agency has not provided sufficient validation and has acknowledged a dispute status, I am requesting that this account be permanently removed from my credit report. 
Please conduct a reinvestigation in accordance with the FCRA, and notify me of the results at the address listed 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the removal of outdated and incorrect personal information from my credit report. The following details are no longer accurate and should be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These outdated details are linked to negative accounts that I have disputed separately. Removing them ensures my credit report remains accurate and prevents improper verification. 
Please update my credit report to reflect only my current and accurate information : My Only Name is XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Anything else listed on my credit report do not belong to me and I request immediate removal

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid contract or agreement establishing the alleged debt. 3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. Thank you for your prompt attention to this matter. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
XXXX XXXX finance account XXXX is paid/closed. However different bureaus have different reporting of payment history dates and amounts. Inaccurate information. ( FCRA ) While I understand the importance of accurate reporting, I believe the continued reporting of late payments on this account is unnecessarily penalizing my credit profile, despite the account being fully satisfied.

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 2025-05-14 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: MA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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