vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX is saying they verified the debts id like to see the description of procedures - this debt is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquiries XXXXXXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking federal law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 reports relates. I have attached a copy of the original dispute letters sent to Equifax, along with a copy of my driver 's license, recent utility bill and a copy of the FTC identity theft report for your review.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating a consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

This is unfair and is hurting my credit consumer report. Please fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
company LVNV FUNDING LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me. 

amounts claimed owed are {$5100.00} and {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
company MIDLAND CREDIT MANAGEMENT LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me. 

amounts claimed owed are {$5600.00} and {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Subject : Formal Complaint Against Equifax for Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint against Equifax regarding its failure to properly investigate and remove a fraudulent account from my credit report, despite my repeated submissions of supporting documentation. 

The fraudulent account in question was reported by XXXX XXXX and appears as a charge-off on my credit report. I have provided Equifax with substantial evidence proving that this account is fraudulent, including but not limited to : Proof that the vehicle associated with the account was stolen under fraudulent circumstances. 
Evidence that I never voluntarily defaulted or had the vehicle repossessed. 
Documentation showing that the loan company falsely reported repossession and resale of the vehicle without my knowledge or consent.

I have submitted this documentation multiple times through Equifaxs designated dispute process, yet Equifax has repeatedly claimed that it never received the materials. This failure to properly investigate and address my dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information.

As a result of Equifaxs negligence, I have suffered significant harm, including damage to my credit score and financial reputation. I am requesting the following actions : 1. A thorough reinvestigation of my dispute, with confirmation of receipt of all documentation I have provided. 
XXXX. The immediate removal of the fraudulent XXXX XXXX account from my credit report. 
XXXX. A written explanation detailing why Equifax failed to acknowledge and properly investigate my dispute. 

If Equifax does not take appropriate action to resolve this matter promptly, I will be forced to escalate this issue through legal channels and additional regulatory complaints. 

Please confirm receipt of this complaint and provide an update on the actions taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-02-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I have reached out to Equifax numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered

INCOME and income is not to be included in any credit reports. I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Equifax for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations.

The following account ( s ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX XXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 

These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a XXXX or XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website.

Under 15 U.S.C. 1681i ( a ) of the FCRA, Equifax is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights Equifax s repeated failures, including : Failure to forward all relevant dispute information to furnishers. 
Uncritical acceptance of unreliable furnisher responses. 
Issuing misleading and contradictory reinvestigation results to consumers. 
Improper reinsertion of previously deleted information. 
Given these legal violations, I demand that Equifax immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. 
Delete or correct any inaccurate or unverifiable information. 
Provide a clear and accurate written response detailing the outcome of the reinvestigation. 
If Equifax fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 act. 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 Federal Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
I want reported accounts removed, these are the accounts. I also want all other public information of me removed. My only physical address is : XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX I want the following removed : XXXX XXXX XXXX account number XXXX XXXX XXXX  card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA protects consumers ' privacy and ensures that credit reporting is fair and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want reported accounts removed, these are the accounts. I also want all other public information of me removed. My only physical address is : XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX I want the following removed : XXXX XXXX XXXX account number XXXX XXXX XXXX  card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA protects consumers ' privacy and ensures that credit reporting is fair and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WI

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 2025-02-05 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: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 disputing these accounts due to severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the reporting of inaccurate, unverifiable, and unauthorized information that is directly harming my credit profile. The reported data contains false repossession claims, incorrect payment history, fraudulent accounts linked to identity theft, and unverified debt collection activity. These inaccuracies violate federal laws that require accurate and fair reporting. Immediate deletion is required to prevent further damage and legal action. 


Fraudulent & Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) - Repossession Reporting Violation Account Number : XXXX Ongoing false reporting since 2019. 
Incorrect balance and last payment date. 
Violation of FCRA & FDCPA due to inaccurate reporting. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX ( Secured Loan ) - False Late Payments Account Number : XXXX Reporting past-due payments inaccurately. 
Data unverifiable ; violates 15 USC 1681i, 1681n. 
IMMEDIATE REMOVAL REQUIRED. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Reported by unauthorized debt buyer. 
No valid contract, consent, or verification. 
FDCPA Violation : Unauthorized Collection Activity.

DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXX ( Collection ) Account Number : XXXX Collection activity without consumer validation. 
Repeated false data entries violating UCC & FDCPA. 
IMMEDIATE DELETION REQUIRED. 
XXXX XXXX XXXX ( Collection ) - False Joint Responsibility Account Number : XXXX Incorrectly listed as a joint account with XXXX XXXX. 
UCC & FCRA Violation : False Data Reporting. 
IMMEDIATE DELETION REQUIRED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/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 explanation