vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-08 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:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-08 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. JEFFERSON CAPITAL SYSTEMS LLC furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. JEFFERSON CAPITAL SYSTEMS LLC did not follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violation and clearly JEFFERSON CAPITAL SYSTEMS violated my rights and abused my privileges. I demand this account DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app is holding my funds they won't release my funds I'm behind on my rent and my bills my account got unlocked I submitted all the information and verification they need to prove that it's me my account got unlocked 3 days ago and I still can't send money take money or use my account or debit card they send my funds are being frozen and it's under investigation but what tell me the reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
XXXX XXXX sent my debt to collection before they even build it properly to my insurance company multiple attempts I tried to on phone calls to have them resubmitted they never did they figured it was just easier to send its collections instead of doing their job right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX requesting a copy of my loan agreement for the Retail Installment Sale Contract Simple Finance Charge, I signed on XX/XX/XXXX, for the purchase of a XXXX XXXX XXXX XXXX refused to provide a copy of the agreement despite my repeated requests.Their refusal has made it difficult for me to fully assess my financial obligations and explore potential refinancing or assistance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Experian on my credit report, without providing me the opportunity to dispute the debts, as is my right under the Fair Credit Reporting Act ( FCRA ), as required by 12 CFR 1006.34 ( d ) ( 3 ). Despite this, Experian has proceeded to place the following accounts on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This omission denies me the opportunity to verify the accuracy of the debts allegedly owed. Furthermore, I have not been afforded the opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 

Experian has also resorted to false, misleading, and deceptive practices in its reporting efforts, thereby violating my consumer rights. Such unethical conduct undermines the integrity of the credit reporting and debt collection process and causes undue distress to consumers. 

Moreover, Experian lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill its obligations under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s2 ( a ) ( 7 ) ( A ), Experian is flagrantly disregarding consumer protection statutes.

I did not receive any notice from the above-listed creditors or debt collectors providing me the opportunity to dispute the validity of these debts within 30 days, as required by law. 

Additionally, I have attempted to submit supporting documentation proving that my information was compromised in the Equifax data breach and that I am a victim of identity theft. These incidents have caused significant harm to my credit score and have resulted in considerable financial and emotional stress. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as I believe these accounts were reported without adherence to proper legal procedures. Furthermore, I respectfully request that Experian remove these accounts from my credit report and cease all collection efforts immediately. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I sent in a investigation on negative items on my report and contacted after 30 days and wasn't properly investigated under the Fair Credit act. 15c 1681

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was charged twice for a single online scheduled bill pay On XX/XX/XXXXXXXX I scheduled a payment to XXXX  XXXX for {$140.00}. The amount was debited from account ( Online payment XXXX XXXX XXXXXXXX On XX/XX/XXXX my account was debited again for {$140.00} Online Payment XXXXXXXX XXXX XXXXXXXX XXXX will not credit me back. Says I need to call XXXX XXXXXXXX even though they sent payment twice. 

Please help as I am on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
I am submitting this complaint regarding several hard inquiries appearing on my Experian credit report that are both concerning and potentially damaging to my financial profile. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 on XX/XX/XXXX. 

The sheer number and timing of these inquiries are deeply concerning and have caused significant stress, as they are impacting my credit score and financial opportunities. I am troubled by the potential that these inquiries could be the result of a data breach, as it is highly unusual for this volume of inquiries to appear within such a short time frame. According to 15 USC 1681, I have the right to accurate credit reporting, and these inquiries appear to be in violation of that right.

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 2025-05-09 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:
After reviewing my credit reports, I found that you are reporting negative information, including late payments, to credit bureaus regarding my account. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ), financial institutions are not required by the FCRA to report such negative information. 
Moreover, according to XXXX XXXX. XXXX ( a ) of the Truth in Lending Act, you may not treat credit card payments on open-end accounts as late for any reason. As a financial institution subject to the XXXX XXXX, you are also responsible for protecting my private information. I never consented to the sharing of my nonpublic personal data with nonaffiliated third parties, nor did I receive notice of my right to opt out as required under XXXX XXXX XXXXXXXX.

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 2025-05-08 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Experian, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through XXXX data breach, XXXX data breach and XXXX data breach. 

Please remove and block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The fraudulent credit card accounts are as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I do not owe : XXXX XXXX XXXX XXXX XXXX XXXX are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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 2025-05-08 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials andXX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom to report relates.

15 U.S. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from credit report, immediately : XXXXXX/XX/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 2025-05-08 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: VA

Complaint narrative:
MY RIGHTS HAVE BEEN VIOLATED IN REGARDS TO WHAT THESE THREE CREDIT REPORTING AGENCIES ( Transunion, Equifax, and Experian ) ARE REPORTING ON MY CREDIT REPORT UNLAWFULLY...

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-09 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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