vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Accounts to be removed XXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$8500.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1600.00}, Last Date of Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$0.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$1000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$9300.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$8300.00}, Last Date of Payment : XX/XX/XXXX Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 am writing to formally file a dispute against the major credit reporting agenciesEquifax, Experian, and TransUnionfor failing to properly verify and validate fraudulent information on my credit report. Despite multiple requests for investigation and removal of these inaccuracies, I have yet to receive any proper documentation proving the legitimacy of the disputed accounts with my verified signature. 

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i mandates that credit bureaus conduct a reasonable reinvestigation of disputed information and provide verifiable proof of its accuracy. Additionally, 15 U.S.C. 1681b states that a consumer 's credit report may only be accessed with permissible purpose, and any unauthorized accounts appearing on my report are a direct violation of this law. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) requires furnishers of information to ensure the accuracy of data before reporting it to the credit bureaus. 

The accounts in question are fraudulent and do not belong to me. Each company associated with these accounts has been contacted, yet they have failed to provide any valid documentation, including my verified signature. The discrepancies in the reported information include but are not limited to : Incorrect or fraudulent accounts listed under my name Mismatched or unknown addresses associated with my profile Incorrect phone numbers and employer information linked to my report Despite my previous formal disputes and direct requests for the removal of these items, the credit bureaus have failed to take appropriate corrective action. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove inaccurate, incomplete, or unverifiable information. Since these items have not been properly verified, I am now demanding their permanent removal from my credit report immediately. 

I have previously filed disputes regarding these issues under the following CFPB report numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I urge the CFPB to investigate these ongoing violations and ensure that Equifax, Experian, and TransUnion comply with federal laws. I request immediate corrective action, including the removal of all fraudulent accounts and inaccurate personal information from my credit file. 

Please consider this my formal complaint and dispute. If this matter is not addressed promptly, I will escalate my case further, including seeking legal action if necessary. I appreciate your immediate attention to this issue and look forward to your 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 2025-03-11 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 am writing to formally file a dispute against the major credit reporting agenciesEquifax, Experian, and TransUnionfor failing to properly verify and validate fraudulent information on my credit report. Despite multiple requests for investigation and removal of these inaccuracies, I have yet to receive any proper documentation proving the legitimacy of the disputed accounts with my verified signature. 

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i mandates that credit bureaus conduct a reasonable reinvestigation of disputed information and provide verifiable proof of its accuracy. Additionally, 15 U.S.C. 1681b states that a consumer 's credit report may only be accessed with permissible purpose, and any unauthorized accounts appearing on my report are a direct violation of this law. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) requires furnishers of information to ensure the accuracy of data before reporting it to the credit bureaus. 

The accounts in question are fraudulent and do not belong to me. Each company associated with these accounts has been contacted, yet they have failed to provide any valid documentation, including my verified signature. The discrepancies in the reported information include but are not limited to : Incorrect or fraudulent accounts listed under my name Mismatched or unknown addresses associated with my profile Incorrect phone numbers and employer information linked to my report Despite my previous formal disputes and direct requests for the removal of these items, the credit bureaus have failed to take appropriate corrective action. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove inaccurate, incomplete, or unverifiable information. Since these items have not been properly verified, I am now demanding their permanent removal from my credit report immediately. 

I have previously filed disputes regarding these issues under the following CFPB report numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I urge the CFPB to investigate these ongoing violations and ensure that Equifax, Experian, and TransUnion comply with federal laws. I request immediate corrective action, including the removal of all fraudulent accounts and inaccurate personal information from my credit file. 

Please consider this my formal complaint and dispute. If this matter is not addressed promptly, I will escalate my case further, including seeking legal action if necessary. I appreciate your immediate attention to this issue and look forward to your 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 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am filing a complaint against Spring Oaks Capital regarding a loan that has been on my credit report for over XXXX  years. This debt should have been removed based on the statute of limitations, but they are still reporting it and trying to collect payments.

I originally had a loan, and due to financial hardship, it was charged off. Despite this, Spring Oaks Capital continues to update my credit report and send collection notices. I have made partial payments in the past, but I stopped once I realized they were continuing to pursue this debt unfairly. 

I believe this is an unfair debt collection practice, and they are violating consumer protection laws by continuing to report a debt that should have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled iike a similar manner.

Please review the Inaccurate Information being reported 1.

2,142 Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue withike the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear Equifax, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX  DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Trans Union LLC XXXX XXXX  XXXX, XXXX, PA XXXX. 

My compline is to the credit bureau XXXX Trans Union ) why is every time I lowered the balance all on my collection accounts I noticing my fico scores goes down as well and XXXX, XXXX I was gaining the fico scores for lowering the balance.. I believe the trans Union practicing unfair act on scoring systems to consumers like me and others out there. I also noticing Trans Union is not properly investigating dispute.

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 2025-03-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a {$50.00} American Express XXXX XXXX from a family member in XXXX, but I have been unable to activate it despite multiple attempts. The following issues have occurred : On XX/XX/XXXX, I called the activation phone number ( XXXX ) provided on the card. After following the automated instructions and entering the card details, the system repeatedly stated that the card number was incorrect. However, when I spoke with a customer service representative, they confirmed that the card has a {$50.00} balance and still requires activation. Despite this, the issue persisted when I attempted activation again via phone. 

On XX/XX/XXXX, I also attempted to activate the card through the gift card activation website. I entered the required card details and completed the XXXX XXXX. However, after completing the XXXX, the process did not proceed furtherthere was no confirmation or indication of next steps. 

As a result, I have not been able to access the funds on the card. This has caused inconvenience and frustration, as I have followed all the instructions provided without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Square has frozen and closed my account holding + {$2400.00} usd of my sales monies from my website. This is monies that i have earned for services and or goods that i have provided from customers that i worked hard to find, earn their trust and their business. Also the money and time i have spent on advertising to earn their business, trust and loyalty. What square is doing to myself and thousands of others is theft with fine print as their alibi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine & Weiner Company Inc Account number : XXXX Date I noticed debt : XX/XX/year> I have not received any written notice of the debt, and the agency is in violation of 15 U.S.C. 1692g for failing to provide validation upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
I requested validation of the debt ; however, it was not provided. I have never engaged in any business transactions or dealings with this company, and therefore I do not owe any debt to this entity.

Company response to consumer: Closed with explanation