vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
DEBT VALIDATION LETTER Dear MIDLAND CREDIT MANAGEM This letter is being sent to you in Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
We took a XXXX XXXX on our car XXXX XXXX XXXX VIN XXXX year XXXX : total amount {$8000.00} in XXXX transfers : XX/XX/XXXX : {$3000.00} XX/XX/XXXX. {$1500.00} XX/XX/XXXX. {$1000.00} XX/XX/XXXX {$2500.00} We paid back Title Max {$3700.00} in XXXX We paid back Title Max {$4700.00} as of XX/XX/XXXX All these payments are proved by receipts. 
Our total payments are {$8500.00} The car was at XXXX shop on XXXX XXXX for repair.. Title Max without telling us came and pick up the car.they should contact us. They never contact. It's the second time that they do this.. In XXXX the pick up the and place in the auction place. The car was abandoned there, they no key to open the car .We have belongings but they denied that. 
Finally in XXXX we made arrangement and we got back the car was in bad shape. 

This time as I told you they pick the car from XXXX facility without telling us to see us for arrangement. 
Also they do not want to tell us where the car is.located. 
Here are their contact : XXXX XXXX XXXX XXXX Texas XXXX Tel : XXXX XXXX We want to know what amount they have to get back this car. 
I am a old man with rwo blood cancers and this car is really needed to go to the doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Credit Dispute XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint regarding inaccurate information on my credit report that has not been properly addressed by [ Credit Bureau XXXX XXXX XXXX Despite my efforts to resolve this matter directly, the errors persist, and I am requesting your intervention under the Fair Credit Reporting Act ( FCRA ). 

Disputed Item : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : Southwest Credit XXXX Account XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : XXXX  Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have previously contacted [ Credit Bureau Name ] on [ Date of XXXX XXXX ] regarding this issue. However, they have failed to correct the error or provide sufficient justification for the inaccurate reporting. I have attached copies of all relevant documentation, including : My dispute letter to the credit bureau I request that the Consumer Financial Protection Bureau review this matter and take appropriate action to ensure the inaccurate information is corrected. Please provide me with an update on the progress of this complaint at your earliest convenience. 

Thank you for your assistance in resolving this issue.

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 2025-03-28 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: CA

Complaint narrative:
I am filing this complaint to report that XXXX XXXX XXXX XXXX performed multiple unauthorized hard credit inquiries without my consent. 

During my visit to the dealership, I explicitly informed the staff several times that I had already secured my own financing and did not want or need them to run my credit. Despite this, I was asked to provide my Social Security number under the explanation that it was only to verify my identity. 

I later discovered that multiple hard inquiries had been made on my credit report by the dealership and affiliated lendersactions I never authorized. I was not informed that my credit would be run, and I did not provide any written or verbal consent for credit checks. I believe I was misled into providing my personal information under false pretenses. 

These unauthorized inquiries have negatively affected my XXXX XXXX and caused unnecessary distress. I am requesting that the CFPB investigate this matter and assist in ensuring that : 1. The dealership and lenders involved are held accountable for violating fair credit reporting practices.

2. All unauthorized inquiries are removed from my credit report.

3. Steps are taken to prevent this type of deceptive behavior from continuing. 

Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PR

Complaint narrative:
I JUST RECETLY LOOKED AT MY CREDIT REPORT. I WANTED TO MAKE SURE THAT EVERYTHING IS XXXX XXXX CORRECT AND ACCURATE. CAN YO INVESTIGATE THE ACCOUNTS LISTED BELOW. 
XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX I REQUEST PLEASE THAT YOU REINVESTIGATE THE COMPLETENESS OF EVERY PIECE OF INFORMATION AND IF ITS NOT ACCURATE, PLEASE REMOVE IT FROM MY CREDIT REPORT. THIS ACCOUNT HAS BEEN PAID AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 
BASED OF CONSUMER LAW 15 U.S CODE 1681-PROCEDURE IN CASE OF DISPUTED ACCURACY, IF WITHIN XXXX YOU CAN NOT VEREFY THE ACCURACY OF THE INFORMATION, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT.I have called the Transunion XXXX and XXXX several XXXX but have not received a response.

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 2025-03-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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
Consumer complaint received 2025-03-28 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I just recently looker at my credit report. i wanted to make sure that everything is XXXX XXXX correct and accurate Can you reinvestigate the account listed below ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX AND IF NOT ACCURATE PLEASE REMOVER FROM 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> a payment was presented to my bank ( an ACH I initiated to pay a utility bill. ) Account showed as payment clearing on the XXXX, and then another transaction for the same amount clearing on the XXXX ( as if the payment was presented twice. ) Thinking this was an error by the utility company, I started with them and they indicated that they had only received XXXX of the XXXX debits from my account. 

Contacted the bank and requested a reversal of the XXXX debit, not the first, as that one was authorized by me. Bank refunded my account. 

After much back and forth with the utility company, and further investigation into my bank account, the utility company did not actually receive XXXX payments. 

I requested the bank to take the money they refunded me and in fact pay it back to the utility company, as that money was debited from them in error. 

When asking the bank why the XXXX debits, they said the first one was returned ( they could not give me a reason why, nor provide any back-up documentation for why that was done, as my account had plenty of money in it. ) On XX/XX/year>, the bank once again debited my account and reflected that they were sending the funds to the utility company. As of XX/XX/year>, the utility company has not received the payment and the bank took the money from me, but has not paid the utility company. I requested an XXXX trace to confirm they actually sent the money on XX/XX/year> and nobody has gotten back to me. It takes XXXX minutes for a bank to get an ACH trace ID, so this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 XXXXXXXX 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 2025-03-28 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 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a XXXX of colorado that is over XXXX XXXX XXXX all three credit reporting agencies refused to remove it

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a XXXX of colorado that is over XXXX XXXX XXXX all three credit reporting agencies refused to remove it

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a XXXX of colorado that is over XXXX XXXX XXXX all three credit reporting agencies refused to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In accordance with the fair credit act this creditor has violated my rights under 15usc 1681 section 602 states I have a right to privacy and 15usc 1681 604 a section 2 a consumer reporting agency can't furnish an account without my written instructions. Under 15USC 1 666 B a creditor may not treat a payment on a credit card under account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NH

Complaint narrative:
My student loan lender swapped platforms, while doing this it duplicated accounts on my credit report, one should have been closed out. This has been listed inaccuratly on my credit account for a full year. It is showing that my debt to income is double what it really is, it has potentially impacted my interest rate on another loan that I have, it has stopped me from being able to move forward with a mortgage lender and making offers on homes. Others have been through this same thing, and I don't understand how something like this can go unresolved for so long. I don't owe almost XXXX k in student loans I only owe XXXX XXXX I don't have 30 days to wait and see if this can be resolved. I have called my loan servicer to be put on hold multiple times, XXXX hours even.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

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 2025-03-28 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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