vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX -- -- Unauthorized Inquiry REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Account CONTRACT CALLERS INC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Account # XXXX ) This closed account contains multiple derogatory late payment entries and a reported repossession ( R ) without proper documentation or notice. I requested deletion based on lack of validation, but Experian has not removed or verified the accuracy of the information in line with FCRA 1681i ( a ) ( 1 ) ( A ). Additionally, under UCC 9-610 to 9-614, any repossession must be lawfully noticed and properly documentedwhich I have never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX CT XXXXXXXX XXXX XXXX Date : XX/XX/year> To : TransUnion Formal Dispute of Inaccurate Late Payment Reporting under FCRA Section XXXX Dear TransUnion, I am writing to formally dispute the accuracy of information you are reporting to the credit reporting agencies regarding my account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX - XXXX Card According to my credit report, your agency has reported XXXX or more late payments on this account. I am disputing the accuracy of this reporting, as I believe the information is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX [ 15 U.S.C. XXXX ], as a furnisher of information, you are legally required to : Report only accurate information to consumer reporting agencies ( Subsection XXXX ( a ) ( XXXX ) ( A ) ) ; Promptly correct and update any information you later determine to be inaccurate ( Subsection XXXX ( a ) ( XXXX ) ) ; and Investigate and respond to disputes when notified by a credit bureau XXXX and report the results back to the bureau ( Subsection XXXX ( b ) ). 
If you are reporting a late payment in error, or if you can not verify its accuracy through proper documentation, you are required to correct or remove the information. I am requesting that you conduct a reasonable investigation into this matter and provide me with written confirmation of the outcome and proof of a pate payment date Please find enclosed supporting document of each Credit Reporting Agency for your review, including : If this information can not be verified as accurate, I request that you immediately notify all credit reporting agencies to delete or correct the inaccurate late payment entry in compliance with FCRA XXXX XXXX. 

Please provide a written response within XXXX days, as required under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : XXXX XXXX  Report - Payment History

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a credit alert regarding a collection account allegedly originating from XXXX XXXX  CitiBank XXXX XXXX  now being reported by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  I immediately disputed this account, as it is XXXX XXXX not mine * *, and I requested the following documentation : XXXXXXXX XXXX XXXX Proof of assignment or legal transfer * * of the debt from CitiBank to XXXX. 
XXXX. A XXXX XXXX  complete chain of title XXXX XXXX, including : XXXX Forward Flow or Purchase Agreements between all involved parties XXXX  Bills of Sale for each transfer of ownership Despite these requests, no documentation was ever provided. 

Then, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I submitted another dispute with XXXX XXXX XXXX XXXX XXXX, restating that I had no knowledge of this account and requesting the same documents. I also provided TransUnion with copies of my previous correspondence with XXXX. Once again, no action was taken, and no documentation was produced. 

I have XXXX XXXX  never held an account with CitiBank XXXX XXXX, and upon contacting them directly, I was informed they have XXXX XXXX no record of any account, charge-off, or delinquency associated with my Social Security number XXXX *. 

Now, in XXXX, this same alleged debt has resurfaced and is being reported by XXXX XXXX XXXX XXXX XXXX XXXX who claims to have purchased it from XXXX. I maintain that this debt is XXXX XXXX not valid XXXX XXXX, has XXXX XXXX no connection to me XXXX XXXX, and I am requesting full documentation or immediate removal from all credit reports.

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 2025-07-20 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
I requested a debt validation letter with certified mail and return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiries Dispute Request for Immediate Deletion Dear TransUnion, I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize or initiate the inquiries listed below, and under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure all information reported is accurate and verifiable. 

The following hard inquiries are not recognized or authorized by me : [ List each unauthorized inquiry with name of company and date, XXXX. : ] XXXX Mortgage - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the FCRA, 15 U.S. Code 1681b ( c ), a hard inquiry can only be made with my express authorization. I have never given written or verbal consent to these entities for a credit check, nor have I applied for any credit products or services with them. 

I am requesting that these unauthorized inquiries be immediately removed from my credit file. I also request that you provide documentation showing proof of my consent, if any exists. If you are unable to verify my authorization, the inquiries must be deleted under XXXX XXXX. XXXX. 

Please consider this letter a formal dispute and request for investigation. I expect a response within 30 days as required by law. Attached are copies of my government-issued ID and a utility bill for identity verification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
The 7 years has expired on this account and it's still showing up on my XXXX  XXXX  and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The 7 years has expired on this account and it's still showing up on my XXXX  Transuion and 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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account JEFFERSON CAPITAL SYST XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account for no reason. My cash tag is XXXX XXXXXXXX. I asked them why. They said I broke their terms of service. I asked them how I did that. They said they couldn't tell me. I said how can I defend myself if the won't tell what I did wrong. Answer, company policy. 
What happened someone I know sent to my account {$500.00}. Cashapp sent me an email and asked if I trusted this person and should they deposit the money? I said yes. Needless to say they declined the transfer. The next thing I knew is they closed my account. Wouldn't tell me why. That's the only thing I did that I can think of why they closed my account. They finally told me it was because of possible fraud and they closed it to protect me and my account. I said to them, where was the fraud? I said it can't be the {$500.00} transfer because they declined it. It can't be me because I didn't receive any financial losses. They couldn't answer that but they still kept my account closed. I've been reading on XXXX  a lot of people are having issues with the same as me with cashapp. If you could straighten it out it would be much appreciated. Good luck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXX, I entered into a formal settlement agreement with Byte ( XXXX XXXX XXXX XXXX to resolve my account in full. As part of this agreement, I paid the balance in good faith and agreed not to pursue legal action for the dental harm caused by their aligner product. Byte, in turn, agreed that the account would be marked as settled, closed, and removed from my credit reports. 

Despite this agreement, the account was later resold to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2700.00}. I was never notified of this transfer. XXXX XXXX is now reporting the account as an active collection on my credit report, which directly violates the terms of the original settlement. 

Additionally, Byte and its parent company, XXXX XXXX, are currently the subject of an ongoing federal class action lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The lawsuit alleges that Bytes XXXX XXXXr product caused XXXX  consumer harmincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It also outlines deceptive practices, such as misrepresenting the aligners as doctor-supervised when in many cases they were not. 

Given the agreed settlement, lack of legal notice of the debt transfer, and the ongoing litigation related to Bytes product safety and business conduct, this debt should not be reported, collected on, or resold. I am requesting the CFPBs assistance in having this collection immediately removed from my credit reports and ensuring that all collection activity by XXXX XXXX and related parties ceases permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I am writing to formally dispute several credit inquiries listed on my credit report. I did not authorize these inquiries, nor did I initiate any applications for credit with the companies listed. 
Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have given written or documented permission for should appear on my credit file. Therefore, I respectfully request that you investigate these inquiries and have them removed from my credit report as they do not belong to me. 
Please confirm in writing once the inquiries have been deleted or provide documentation showing that I gave permission for them. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
Experian is knowingly reporting inaccurate late payments on my XXXX  account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) in violation of Metro 2 standards and federal law. Despite the account being paid/closed with a {$0.00} balance, Experian shows 30/60/90-day delinquencies that never occurred. 

Key Violations : Metro 2 Noncompliance XXXX  furnished conflicting data ( e.g., " Paid '' status vs. false lates ), violating Metro 2 Field 18 ( Account Status ) and Field 2932 ( Payment History ). 

Experian failed to reject or correct this obviously inconsistent data, breaching FCRA 623 ( b ) ( 1 ) ( D ). 

FCRA 611 ( a ) ( 1 ) Violation Experian ignored my disputes and did not conduct a reasonable investigation, including verifying XXXX Metro 2 coding. 

FDCPA 807 ( 8 ) False Representation Reporting " late payments '' on a $ XXXX-balance closed account is deceptive and misleading. 

How This Harms Me : Credit denials/higher interest rates due to Experians refusal to fix known errors. 

Legal damages under FCRA 616 for willful negligence.

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: FL

Complaint narrative:
I am filing a complaint against XXXX/DriveTime regarding a predatory auto loan for a used XXXX  XXXX XXXX ( XXXX : XXXX ). 

The total loan amount is {$45000.00} for a car that is only worth around {$7000.00}. The APR is 20.679 %, and the finance charge is over {$19000.00}. I was never informed about these terms during the sale. I was rushed through signing and was not given the opportunity to review the full contract or pricing breakdown beforehand. 

Additionally, the contract includes over {$5000.00} in extra products that I never knowingly agreed to, including : {$1400.00} for XXXX {$990.00} for XXXX  GAP Coverage {$1800.00} for a Powertrain Warranty {$290.00} Pre-Delivery Service Fee These charges were not disclosed or explained properly. The base sale price was listed as {$20000.00}, which is nearly 3x the fair market value of the car. I believe this company took advantage of me and violated federal lending laws. 

I am requesting that the loan be reviewed and canceled or renegotiated. This is clear predatory lending, and I am unable to reasonably afford the vehicle under these unfair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: SD

Complaint narrative:
In XX/XX/XXXXXXXX, I received a background check from Checkr, Inc. showing my drivers license as Inactive/Eligible, with an expiration date of XX/XX/XXXX. This is false I currently hold a valid and active drivers license issued by the South Dakota XXXX on XX/XX/XXXX. 

I filed a dispute with Checkr and submitted several pieces of valid evidence, including : A stamped and official paper drivers license issued by the XXXX A XXXX payment receipt for my license A valid South Dakota state ID A copy of XXXX correspondence Checkr refused to correct the report and responded with templated messages, stating my documents were not acceptable because they were not a certified Motor Vehicle Report. I explained that XXXX updates can take weeks and that their report was outdated. I asked Checkr to take further steps beyond simply rerunning the same data, including contacting the XXXX directly or considering the context of my evidence. They did not provide any specific explanation of how they conducted their reinvestigation or why my evidence was dismissed. 

Under the Fair Credit Reporting Act ( FCRA ), Checkr is obligated to conduct a reasonable reinvestigation and ensure maximum possible accuracy of consumer reports. I believe they failed to meet this standard. 

As a result, I am facing possible adverse action from XXXX despite holding a valid drivers license and my ability to earn income has been jeopardized. I was denied a fair opportunity to correct the record due to Checkrs narrow process, lack of transparency, and refusal to consider valid documentation. This caused direct harm and represents a failure of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation