vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While reviewing my credit report, I came across several accounts that I have no knowledge of. I never opened these accounts, and yet they are showing up under my name. This is not only confusing but also incredibly frustrating, as it reflects a financial history that isnt mine.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to the CRAs ( see attached letter ) regarding an account reported under XXXX XXXX XXXXXXXX ( Account # : XXXX ). I formally requested documentation verifying the Date of First Delinquency ( DOFD ), as the year reported is NOT correct. This account 's DOFD is very much past the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). 

According to the FCRA, negative accounts such as charge-offs and collections may not be reported more than 7 years from the date of first delinquency that led to the account being charged off. the CRAs failed to provide any documentation substantiating the DOFD. Instead, they merely " updated '' the account without : Providing evidence of the DOFD, Explaining how the data was verified ( as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Justifying why the account was not deleted despite appearing to exceed the reporting period. 

This lack of transparency and failure to verify or remove unverifiable information constitutes a violation of FCRA 1681i, which requires consumer reporting agencies to conduct a reasonable investigation and delete any unverifiable or inaccurate information within 30 days. 

I am requesting that the CFPB require the CRAs to : Provide proper documentation validating the DOFD for the XXXX XXXX XXXXXXXX account in question. 

Explain why the account was merely updated rather than deleted, particularly in light of the legal limit on credit reporting duration. 

Delete the account from my credit reports immediately if they can not provide acceptable evidence proving it is still within the allowable reporting window under the FCRA. 

Please see the attached dispute letter submitted t for reference. 

Thank you for your attention to this matter. I respectfully request that the CFPB hold Equifax accountable for compliance with federal consumer protection laws and safeguard the integrity of the credit reporting system.

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 2025-04-23 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to the CRAs ( see attached letter ) regarding an account reported under XXXX XXXX XXXXXXXX ( Account # : XXXX ). I formally requested documentation verifying the Date of First Delinquency ( DOFD ), as the year reported is NOT correct. This account 's DOFD is very much past the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). 

According to the FCRA, negative accounts such as charge-offs and collections may not be reported more than 7 years from the date of first delinquency that led to the account being charged off. the CRAs failed to provide any documentation substantiating the DOFD. Instead, they merely " updated '' the account without : Providing evidence of the DOFD, Explaining how the data was verified ( as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Justifying why the account was not deleted despite appearing to exceed the reporting period. 

This lack of transparency and failure to verify or remove unverifiable information constitutes a violation of FCRA 1681i, which requires consumer reporting agencies to conduct a reasonable investigation and delete any unverifiable or inaccurate information within 30 days. 

I am requesting that the CFPB require the CRAs to : Provide proper documentation validating the DOFD for the XXXX XXXX XXXXXXXX account in question. 

Explain why the account was merely updated rather than deleted, particularly in light of the legal limit on credit reporting duration. 

Delete the account from my credit reports immediately if they can not provide acceptable evidence proving it is still within the allowable reporting window under the FCRA. 

Please see the attached dispute letter submitted t for reference. 

Thank you for your attention to this matter. I respectfully request that the CFPB hold Equifax accountable for compliance with federal consumer protection laws and safeguard the integrity of the credit reporting system.

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 2025-04-23 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-23 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: PA

Complaint narrative:
b'In response to a previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account(s) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act. You have XXXX  days to remove and block said items/accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXTHE DISPUTE FROM BEFORE IS XXXX 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX I received notifications from XXXX about 4 separate medical bills I owe dating back from 2021 to present. I have also received repetitive text messages and calls all times of the day, night hours when I am sleeping included, from this company, which I am and have started to feel as if I'm being harassed to this point.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
wells fargo is telling me and having me sign for one document but i can not see what that document is and when i ask they say we told you what the document is. in fact wells fargo employee are having me sign documents for South Carolina XXXXXX/XX/XXXX. Kinda like the XXXX XXXX situation. I am in full control of my day to day business. Every month my documents mailing address change and I think that is to have a member of the people who are trying to put me under XX/XX/XXXX in the bank with me to say that I need help. I went to XXXX XXXX, XXXX sc to have my taxes done and they seen I was singleXX/XX/XXXXXXXX, and they cashed out my retirement, series ee bonds, CDs and stole money and sold my house. They are trying to make me say i sold my house so they can now fraud SS. There police involved XXXX of XXXX and XXXX XXXX. I have never ever been under any doctors care for nothing. I will not go along with fraud. i am being threatened and not allowed an attorney of my choosing. Congressman XXXX XXXX brothers threatened me I was detained with out cause

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 2025-04-23 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am here with this complaint because i recently looked at my credit report and i see several accounts that DO NOT BELONG to me. These accounts are unauthorized and i did not provide my signature and consent to these. These are negative accounts that are hurting my credit score and profile. I have reached out to all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they are not helpful. They place me on hold and they do not come back. This is hurting my life and making it hard for me as a XXXX XXXXXXXX woman.. I am trying to better my life. I need serious help and support and investigation with these negative accounts being reported by these credit agencies onto my profile. 




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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am here with this complaint because i recently looked at my credit report and i see several accounts that DO NOT BELONG to me. These accounts are unauthorized and i did not provide my signature and consent to these. These are negative accounts that are hurting my credit score and profile. I have reached out to all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they are not helpful. They place me on hold and they do not come back. This is hurting my life and making it hard for me as a XXXX XXXXXXXX woman.. I am trying to better my life. I need serious help and support and investigation with these negative accounts being reported by these credit agencies onto my profile. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: NC

Complaint narrative:
As a single mother trying to find stable housing for my child, I was denied because of a false debt listed by XXXX XXXX and reported through XXXX. I was never notified, served, or shown any proof this debt was valid. 

In XX/XX/year>, I discovered that XXXX was reporting a rental debt allegedly tied to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I vacated the property with notice. The current property manager, XXXX XXXX, confirmed in writing that they were not managing the property during my stay, do not own the debt, and have no record of me in their system. I submitted a dispute to CIC with proof of ID, address, and documentation showing the debt could not be verified. Despite this, CIC continued sharing this information with landlords.

Its hard enough being a mother and trying to provide. False information like this should not be allowed to block families from having a place to live. I am requesting full removal of this record and a thorough investigation into how unverified data was distributed. Im also sharing this so other parents know theyre not aloneand we dont have to accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I, XXXX XXXX, did not give credit wise permission to run an inquiry on my credit report. They ran an inquiry on XX/XX/year> without my permission. I called them and asked them why and they had no response. I believe it's pertaining to XXXX XXXX credit 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I, XXXX XXXX, did not give credit wise permission to run an inquiry on my credit report. They ran an inquiry on XX/XX/year> without my permission. I called them and asked them why and they had no response. I believe it's pertaining to XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not request any credit from anyone on my credit file XXXX XXXX XXXX XXXX. My credit file do not belong to me. The collections are not mine either.

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 2025-04-23 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: NJ

Complaint narrative:
This is not a mistakemy credit report contains serious inaccuracies that fall short of the required standard of accuracy. These errors are causing ongoing harm and stress. I urgently request they be corrected or 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotect furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress if these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.A.Rogers, Inc.
State: FL

Complaint narrative:
I was contacted by a debt collector regarding an old auto loan. I requested a copy of the original settlement letter for {$2100.00}, but they have not provided it. Last week, they also claimed to have sent a new settlement offer of {$2300.00} via email, which I never received. 

I told the collector I was willing to pay the debt if they agreed to remove it from my credit report ( pay for delete ), but they refused. After I declined to pay under those conditions, the representative XXXX XXXX became unprofessional and used manipulative language. 

He asked me : How do you feel about keeping a car you havent paid for? 
Then told me I had a moral obligation to pay, and that he personally wouldnt feel right having a car he didnt pay for. He then hung up on me. 

This is not the first issue Ive had with this individual. XXXX XXXX is the same representative who previously told me that I didnt deserve to get my title, which I found extremely inappropriate and unprofessional. Ive already complained about him in the past. 

I find this pattern of behavior unacceptable. Debt collection should be based on facts and conducted respectfully not through emotional manipulation, personal attacks, or intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-23 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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