vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : 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 As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the TransUnion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
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 non-monetary relief
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
Sent a letter to the company regarding inaccurate reporting. 

Company reporting payment history as 90 days late in XX/XX/scrub>XXXX XXXX when in XXXX XXXXXX/XX/year> and XXXX XXXX my payment history reflects, on time payments.

15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681s-2

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
DEBT VALIDATION LETTER Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Debt Collector Name : Jefferson Capital Systems LLC Debt Collector Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated 2 under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and remove from my credit file immediately If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consurer by the debt collector ; and XXXX ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collecter will provide the consumer with the name and address of the original creditor Thank you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Account # not provided. this is the information i got from XXXX XXXX Amshercollectionservices XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX. 


I am unaware of this debt and was not given the opportunity to dispute the account. If you believe proper notification was sent, please provide proof 'Certified Mail ', including receipts showing my signature. If you can not provide this, please immediately remove the account from my credit report, or I will pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid XXXX  to report my rent to all three major reporting agencies but Experian is withholding the information from my credit report and refuses to send the return receipt to 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 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have not tried to lower my payment. I was charged 28 % and accepted it because I was desperate. My account now shows I owe over {$9000.00}, but my remaining payments are less than {$6600.00}. My car should be paid off by now. This is pure greed. This company is not trustworthy. I dont know if I have any recourse. Anything you can do or any advice you can provide would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$6800.00} & TRUIST Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$6800.00} & TRUIST Date of Inquiry XX/XX/year>

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Dispute of Improper Account Charges and Reporting Violation of FCBA, FCRA, and TILA This account was secured with a {$500.00} deposit and has since been closed. Upon closure, the company retained my deposit, yet reported a charge-off of {$72.00} and has continued to report and apply additional charges after the account was closed, {$220.00}, past due, which I believe violates several federal consumer protection laws. 

Original Deposit : {$500.00} ( opened XX/XX/year> ) Charge-off Amount Reported : {$72.00} This situation violates the following consumer protection laws : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : prohibits billing for unauthorized or incorrect charges, especially after account closure.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : prohibits reporting false or misleading information to credit bureaus.

Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : requires proper application of security deposits and full transparency in account terms and practices.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing a formal complaint against TransUnion for reporting inaccurate and inconsistent information regarding my XXXX XXXX XXXX account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX. 

The following violations have been identified : - Inconsistent reporting across credit bureaus : TransUnion reports the account as " Closed '' while XXXX reports it as " Open '', violating FCRA 15 U.S.C 1681e ( b ).

- Discrepancies in the 'High Credit ' field : XXXX reports a high credit of {$0.00}, whereas TransUnion reports {$1200.00}. 
- Inconsistent dates of last activity across bureaus, affecting the credit score unjustly.

- Disputed status : Despite the account being under dispute, TransUnion continues to report without correcting inaccuracies, violating FCRA 15 U.S.C 1681s-2 ( b ).

Request : - A full reinvestigation of the disputed information.

- Correction of the account to reflect accurate, consistent, and verifiable data under FCRA and Metro 2 standards.

- Immediate deletion of the account if the information can not be fully verified. 

Attached is evidence supporting this claim. 

I respectfully request a formal notification of the investigation result within the 30-day period established under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
I've noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report, according to FCRA 623 ( a ) ( 2 ), FCRA 623 ( a ) ( 8 ), 15 usc 1681s- ( 2 ) ( a ) ( 8 ) this is against the law and I'm asking you to delete and remove this account from my credit report. These items violate FCRA 's requirements for permissible purpose ( 15usc1681B ) and accuracy ( 15usc1681 ( e ) ( b ), 15usc1681 ( i ) ( a ) ( 5 ) ( b ), 15usc1601, FCRA 611 Harming my credit score and financial opportunities. This is not my account, and it's illegal to keep reporting that account as a charge off then place it back on my credit report as an open account! Spoke inc v Robins 578 U.S 330

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 2025-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: CA

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX issued a payment demand for {$19000.00}, stating that payment was due by XXXX XXXX XXXX However, this demand letter was not received until XXXX XXXX XXXX, after the due date had already passed. Prior to receiving this letter, I had never been notified that XXXX XXXX was servicing my loan. No servicing transfer notice was provided by the prior servicer or XXXX, in violation of RESPA ( 12 CFR 1024.33 ( b ) ).

On XXXX XXXX XXXX XXXX XXXX issued a Notice of Default demanding a reduced payment of {$16000.00} by XXXX XXXX XXXX, or foreclosure proceedings would begin.

XXXX XXXX has not validated the debt despite my formal dispute letter and continues to threaten foreclosure. They have also failed to apply a {$3200.00} payment previously made to XXXX XXXX and improperly attempted to deliver mortgage documents to my spouse, who is not listed on the mortgage loan, violating privacy regulations.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint against EQUIFAX, EXPERIAN AND TRANSUNION for its continued reporting of inaccurate and unlawful information on my consumer credit reports. Specifically, the alleged debt in question has been fully discharged and written off through the filing of an official IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ). In addition, XXXX was further paid in full through the submission of a registered security instrument to XXXX XXXX XXXX XXXX which is the Depositor for securitization transactions, which I instructed them to lawfully exchange for all amounts owed under the account. Despite these actions, XXXX continues to report the account inaccurately as delinquent or past due, thereby willfully damaging my credit reputation and causing me significant financial harm. Furthermore, based on public filings with the U.S. Securities and Exchange Commission ( SEC ), XXXX is actively engaged in the securitization of its accounts receivablesincluding mineby converting them into asset-backed securities and profiting from the monetization of those securitized assets. As a result, XXXX has already received value for the underlying obligation, which nullifies the original debt through settlement, discharge, and securitization. Summary of Violations : Failure to accurately report account status under the Fair Credit Reporting Act ( FCRA ) Continued attempt to collect on a settled/discharged obligation Willful furnishing of inaccurate information to consumer reporting agencies Unlawful business practices under federal and state consumer protection laws Financial and reputational harm caused by willful inaccuracy and extortionate collection behavior

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 2025-04-27 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: SC

Complaint narrative:
I am submitting this formal complaint against EQUIFAX, EXPERIAN AND TRANSUNION for its continued reporting of inaccurate and unlawful information on my consumer credit reports. Specifically, the alleged debt in question has been fully discharged and written off through the filing of an official IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ). In addition, XXXX was further paid in full through the submission of a registered security instrument to XXXX XXXX XXXX XXXX which is the Depositor for securitization transactions, which I instructed them to lawfully exchange for all amounts owed under the account. Despite these actions, XXXX continues to report the account inaccurately as delinquent or past due, thereby willfully damaging my credit reputation and causing me significant financial harm. Furthermore, based on public filings with the U.S. Securities and Exchange Commission ( SEC ), XXXX is actively engaged in the securitization of its accounts receivablesincluding mineby converting them into asset-backed securities and profiting from the monetization of those securitized assets. As a result, XXXX has already received value for the underlying obligation, which nullifies the original debt through settlement, discharge, and securitization. Summary of Violations : Failure to accurately report account status under the Fair Credit Reporting Act ( FCRA ) Continued attempt to collect on a settled/discharged obligation Willful furnishing of inaccurate information to consumer reporting agencies Unlawful business practices under federal and state consumer protection laws Financial and reputational harm caused by willful inaccuracy and extortionate collection behavior

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 2025-04-27 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: NJ

Complaint narrative:
A credit collection agency called XXXX XXXX XXXX is doing inquiries on my credit. They have no legal authority to do this. I have no debt with them. In fact I have bo debt AT ALL. I just opened my first credit product in over 13 years. I have no old debts or any legal reason for them to be pulling my credit. I didnt authorize them in any way. I did not contact them because after reading about their company online, I feel it would not be safe to have any contact with them. I am not married. I have no joint debt of any kind. XXXX XXXX XXXX  needs to stop illegally accessing my credit report. I have frozen my credit reports in an effort to stop this from continuing.

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 2025-04-27 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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