vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>2024 UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2024 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I have submitted multiple disputes via certified mail and contacted company leadership by email in an effort to correct inaccurate reporting that continues to be automatically verified through artificial intelligence, without any human oversight or validation of an original, signed contract. No original instrument of indebtedness has been providedonly copies of alleged debts that may have been securitized, sold, assigned to third parties, or transferred into a trust, which raises further legal concerns. 

This entity appears to be in continuous violation of the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and other applicable consumer protection laws and statutes. There are also alarming indications of identity theft and data breaches, given their apparent practices of trading personal consumer data in the private market for profit. I urge the Consumer Financial Protection Bureau ( CFPB ), in conjunction with the Federal Trade Commission ( FTC ), to intervene in a fiduciary capacity, compel corrective action, and assess damages for the significant mental and emotional distress this has caused.

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 2025-05-18 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XXXX2024

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My bank account with Pnc has been under investigation by Pnc since the XXXX of XX/XX/year>, the bank told me they were going to do a 90 investigation which has since past and ever since the bank has refused to send a check to me or the sender as they earlier wrote in a letter and Im frustrated because the money was meant for something important, the sender of the has also made a complaint with you with reference number COMPLAINT B ID ( S ) XXXX XXXX I as they earlier wrote receiver Im making a case because I dont know why Pnc is holding my money, I will be glad if my case can be looked into and resolved. Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NV

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/scrub>/2020 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX/2020

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just saw a negative on my account and wasnt notified

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 2025-05-18 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: CA

Complaint narrative:
* * [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] * * * * [ XXXX ] * * * * [ Date : XX/XX/XXXX ] * * * * Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Subject : Formal Dispute of Inaccurate Information - Consumer Portfolio Services Account # XXXX XXXX * I am writing to formally dispute the following inaccurate, incomplete, and/or unverifiable information on my credit report regarding a charge-off account listed by Consumer Portfolio Services, account number * * XXXX XXXX * *. 

The following information being reported by XXXX XXXX XXXX on this account is inaccurate, incomplete, and/or unverifiable : * * * Creditor Name as Listed on Report : * * XXXX XXXX XXXX XXXX  * * Account Number as Listed on Report : * * XXXX XXXX * * * Incorrect Balance : * * The current balance listed is incorrect. My records indicate the balance should be \ [ State the correct balance or {$0.00} if you believe it's paid or not owed ]. \ [ XXXX : Briefly explain why you believe the balance is incorrect. ] * * * Date of First Delinquency Incorrect : * * The reported date of first delinquency is inaccurate. The correct date should be \ [ State the correct date ]. This impacts the reporting timeframe. 

* * * Incorrect Account Status : * * The current status of the account * * * Negative Payment History Incorrect : * * The payment history being reported is inaccurate. 


I request that you thoroughly investigate this disputed information and provide me with the results of your investigation, including any documentation you used to verify the accuracy of this information, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

If XXXX XXXX XXXX  can not provide sufficient and verifiable documentation to prove the accuracy of this reporting, I demand that the inaccurate information be corrected or permanently removed from my credit report immediately. 

Please send the results of your investigation to my address listed above within the time frame legally required by the FCRA. 

Sincerely, \ [ 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 2025-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 u.s.c. 1681 section 602A, states i have the right to privacy 15 u.s.c. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account with out my written instructions.

15 u.s.c.1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of conviction and crime with which antedates the report by 7 years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) 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

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Paid and Closed Account Request for Removal Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding a paid and closed account that I believe should be removed. According to the records, the account XXXX with XXXX XXXX XXXX was paid in full and is now closed. However, it remains listed on my credit report, negatively impacting my credit score and creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that inaccurate or outdated information be corrected or removed from my credit report. The account in question has been paid and closed, and the reporting of it should not be considered relevant or accurate at this time.

Moreover, as per UCC Section 3-601 ( Uniform Commercial Code ), once a debt is settled or a contractual obligation is fulfilled, it must be discharged, and the creditor is obligated to report the status of the debt accurately. Continuing to list this account as if it were still open or in any way reflecting an unresolved obligation violates the spirit of this legal provision.

As per UCC 3-605, the removal of inaccurate or outdated information is necessary to uphold the principle of good faith and fair dealing in all commercial transactions. I request that this account be removed from my credit report to comply with the above-mentioned statutes.

Please investigate this matter and remove the account as soon as possible. I expect a prompt resolution and would appreciate a written response within 30 days as required by law.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I have an old car account on Experian that never goes away even though the debt was satisfied in full long time ago. I contacted XXXX and they said yes its paid in full and since its been more than XXXX  years and experian refuses to remove it from my credit report. I have sent a lot of letters to Experian which they totally ignore them now and dont even bother to answer me.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Dispute of Charge-Off Auto Loan Reporting Under FCRA and UCC Dear Sir/Madam, I am writing to formally dispute inaccurate and potentially unlawful reporting of a charged-off auto loan on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Charge-Off Date : XX/XX/XXXXXXXX  This entry is being reported inaccurately and may be in violation of the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) guidelines. 

FCRA Section 611 [ 15 U.S.C. 1681i ] grants me the right to dispute any information I believe is inaccurate or incomplete. I am requesting a thorough investigation of the accuracy, validity, and legal standing of this charge-off. If your investigation does not confirm the validity of the reported account, you are required to delete it from my credit file. 

Additionally, I bring your attention to the Uniform Commercial Code ( UCC ) : UCC 9-609 A secured party may take possession of collateral after default only if it can be done without a breach of peace. If the repossession of the vehicle occurred in a way that violated my rights or the peace, the creditor may not have followed lawful protocol.

UCC 1-308 I reserve my right not to be bound by a contract or obligation that is in dispute or has not been verified by valid evidence or agreement.

I am demanding that the following be provided as part of your investigation : 1. Verification of the original contract with my signature.

2. Complete payment history and how the balance was calculated.

3. Documentation of repossession ( if applicable ) showing adherence to UCC repossession laws.

4. Proof that the lender had legal standing to report the account as a charge-off and that all actions taken were lawful. 

If you can not provide verification of the above, you must remove the account from my credit report under FCRA obligations. Please respond to this dispute within 30 days as required by federal law. 

Thank you for your prompt attention to this matter. Please confirm in writing the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Formal Dispute of Charge-Off Auto Loan Reporting Under FCRA and UCC Dear Sir/Madam, I am writing to formally dispute inaccurate and potentially unlawful reporting of a charged-off auto loan on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Charge-Off Date : XX/XX/XXXXXXXX  This entry is being reported inaccurately and may be in violation of the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) guidelines. 

FCRA Section 611 [ 15 U.S.C. 1681i ] grants me the right to dispute any information I believe is inaccurate or incomplete. I am requesting a thorough investigation of the accuracy, validity, and legal standing of this charge-off. If your investigation does not confirm the validity of the reported account, you are required to delete it from my credit file. 

Additionally, I bring your attention to the Uniform Commercial Code ( UCC ) : UCC 9-609 A secured party may take possession of collateral after default only if it can be done without a breach of peace. If the repossession of the vehicle occurred in a way that violated my rights or the peace, the creditor may not have followed lawful protocol.

UCC 1-308 I reserve my right not to be bound by a contract or obligation that is in dispute or has not been verified by valid evidence or agreement.

I am demanding that the following be provided as part of your investigation : 1. Verification of the original contract with my signature.

2. Complete payment history and how the balance was calculated.

3. Documentation of repossession ( if applicable ) showing adherence to UCC repossession laws.

4. Proof that the lender had legal standing to report the account as a charge-off and that all actions taken were lawful. 

If you can not provide verification of the above, you must remove the account from my credit report under FCRA obligations. Please respond to this dispute within 30 days as required by federal law. 

Thank you for your prompt attention to this matter. Please confirm in writing the outcome of your investigation. 

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 2025-05-18 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: UT

Complaint narrative:
THIS ITEM HAS REACHED ITS EXPIRATION AND SHOULD BE REMOVED. PLEASE SEE BOTH ATTACHMENTS. EXPERIAN SHOWS IT HAS EXPIRED AS OF THIS MONTH. THAT'S ONE THING I LIKE ABOUT EXPERIAN 'S REPORTS IS THEY ALL SHOW EXPIRATION DATES FOR EVEY PIECE OF CREDIT YOU HAVE. SOME TIMES THEY DO SLIP UP AND DON'T SHOW DATES AS THEY SHOULD BUT IT'S NOT OFTEN. SO I RELY ON THE REPORTS WHEN THEY SEND THEM TO SHOW THE EXPIRATION DATES IN ORDER TO TRACK WHEN THEY WILL FALL OF OF MY CREDIT. 

EQUIFAX : I WILL NOT TOLERATE RECEIVING LETTERS FROM YOU DEMANDING I SEND MORE IDENTIFICATION. I WILL REFUSE AND TURN THE LETTERS ALONG WITH THE FULL DISPUTE SENT TO YOU TO THE FEDERAL TRADE COMMISSION EACH TIME YOU SEND A LETTER TO AVOID HANDLING A DISPUTE PER FCRA LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Caine and Weiner contacted my relative XXXX XXXX on or around XXXX and shared the amount of my debt and also gave him access to an account to make payments too. A collection agency sharing my debt information with a relative, is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

When a debt collection agency shares your debt with a relative, it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) specifically : Violation : FDCPA 805 ( b ) Communication with Third Parties Except as provided in section 804, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S. Code 1692c ( b )

Company response to consumer: Closed with explanation