vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to formally file a complaint and request the immediate removal of an account from my credit report related to a vehicle that was illegally repossessed. 

The details of the account are as follows : Creditors Name : XXXX  XXXX This repossession was carried out without due legal process and in violation of the terms outlined in the contract. Furthermore, I have not had possession of this vehicle for over XXXX months, making this account not only inaccurate but also an unfair negative mark on my credit report. 

I hereby demand, under the Fair Credit Reporting Act ( FCRA ), that you conduct an immediate investigation and remove this account from my credit file. I also request written confirmation of its deletion within XXXX  days, as required by 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-02-12 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-02-12 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 bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

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 2025-02-12 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: CA

Complaint narrative:
ASKING EQUIFAX TO DELETE THIS ACCOUNTS ASAP, THOSE ARE NOT MINE DELETE FINALLY SO I CAN START MY CREDIT BUILDING. XXXX XXXX : XXXX. MUST BE DELETED ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have no idea of who these collectors are and when I call I get no response about who the debt is from just I owe money and they all refuse to remove anything from my credit report. Except one company for a credit card I never had but they refused to investigate the matter just said I need to pay the debt even after letting them know it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have no idea of who these collectors are and when I call I get no response about who the debt is from just I owe money and they all refuse to remove anything from my credit report. Except XXXX company for a credit card I never had but they refused to investigate the matter just said I need to pay the debt even after letting them know it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Southwest Credit Systems, L.P.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX XXXX XXXX XX/XX/year> CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

According to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. 

The inaccurate information in question includes : -Southwest credit system - XXXX  XXXX XXXX XXXX Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees.

To resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results.

Immediate removal or correction of the inaccurate information.

A written statement confirming compliance with my request and a copy of my updated credit report.

If this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o.

Please consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights.

I request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX : {$950.00}

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 2025-02-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX information was stolen And do not recognize the collection accounts Nor the personal loan of XXXX XXXX  The address that shows it do not recognize My Name is ONLY : XXXX XXXX XXXX XXXX Not 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 XXXXXXXX Inquires : XXXX XXXX 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 2025-02-12 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: TX

Complaint narrative:
After checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Delete and remove unauthorized/fraudulent inquiries. 
Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block this information within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent information, listed below This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation. If I dont receive payment within 4 days, I will pursue actual damages, which could be much higher.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
These credit agencies have misreporting and mismanaging my profile. They have reports on here that should not be. I have sent letters for validation of debt and received nothing. Along with disputes. They have violated my rights under The Privacy Act Of 1974 15 USC 6802 A & B

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 2025-02-12 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: IN

Complaint narrative:
These credit agencies have misreporting and mismanaging my profile. They have reports on here that should not be. I have sent letters for validation of debt and received nothing. Along with disputes. They have violated my rights under The Privacy Act Of 1974 15 USC 6802 A & B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/year> WESTLAKE FIN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RE : Cease & Desist from Collections Dear Westlake financial : On XX/XX/year>, one of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to Westlake financial under account number Last 4 digits XXXX. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is inaccurate and incorrect personal information being reported on my credit report, addresses, names and employers that is not mine nor have any association with me. My HOME address is XXXX XXXXXX/XX/XXXX XXXX. There is 9 addresses, 2 Names and 2 Employers being inaccurately and incorrectly being reported.

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 2025-02-12 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: CT

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports.

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence.

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus XXXX and Equifax are reporting XXXX accounts that have already been deleted from XXXX. 
XXXX # XXXX {$480.00}, has been removed from my XXXX report. 
XXXX  # XXXX {$620.00}, has been removed from my XXXX report LVNV # XXXX {$920.00}, also has been removed from my XXXX report. These are inaccuracies which is a violation of the FCRA. 
AND once again the bureaus are not reporting or deleting the account as XXXX has. 
XXXX XXXX # XXXX {$0.00} has been removed from my XXXX report, as well as XXXX XXXX # XXXX {$740.00}, has been removed from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The credit bureaus XXXX and XXXX are reporting LVNV accounts that have already been deleted from XXXX. 
LVNV # XXXX {$480.00}, has been removed from my XXXX report. 
LVNV # XXXX {$620.00}, has been removed from my XXXX report LVNV # XXXX {$920.00}, also has been removed from my XXXX report. These are inaccuracies which is a violation of the FCRA. 
AND once again the bureaus are not reporting or deleting the account as XXXX has. 
XXXX XXXX # XXXX {$0.00} has been removed from my XXXX report, as well as XXXX XXXX # XXXX {$740.00}, has been removed from my XXXX report.

Company response to consumer: Closed with explanation