vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving a dispute regarding the reporting of a bankruptcy on my credit file. I previously contacted the credit bureaus Equifax, to dispute the inaccurate information, but they have failed to respond within the legally required timeframe. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days of receiving a dispute. Their failure to do so constitutes a violation of my rights as a consumer. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute any inaccurate or unverifiable information. 

Furthermore, if the bankruptcy information was obtained from a third-party source rather than the original court records, it may constitute a violation of the FCRAs accuracy requirements. The law mandates that only accurate, complete, and verifiable information be reported on consumer credit files. If the credit bureaus can not provide evidence that the bankruptcy is being reported accurately, they must remove it from my report. 

Given that I have not received a response from the credit bureaus, I request that the CFPB intervene and require them to comply with federal law by either providing verification or deleting the bankruptcy from my report. 

Enclosed, please find copies of my previous dispute letters and any supporting documents for your reference. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I checked my credit report today and was surprised to find inaccurate accounts listed. I have no clue why they are there, as I regularly monitor my report, and this has never happened before. Hoping it was a system error, I refreshed my browser, but nothing changedthe incorrect accounts were still there. Given this, I kindly ask for a detailed review of my submitted documents to ensure this problem is resolved permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To whom it may concern, I have recently pulled my credit report and noticed there's a collection listing from your agency.

I have never been notified of this collection action or that I owe this debt.

This letter is to inform you that I have a right to request a validation of this debt and your ability to collect this money from me.I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents.

Agreement that you have authority to connect on this alleged debt. 
Agreement that bears the signature of the alleged debtor with promises to post the original creditor. 
Complete payment history on this account to prove the amount you wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I appreciate all the information and understood. Although there was a false statement about the notice and mail. I never recieved it, they didn't come by to talk to me, or email, or call me. I never got a notice at all, and was unaware that there was that I needed to pay this or was on the way of being vacate. It would of been appreciated if they knocked on the door and personally talk to me not the main person on the lease. If there is evidence of a mail being sent then it must of gotten open or thrown away by the main person on the lease, as well the paper that you guys claim they put was taken down by the main person on the lease and didn't told me. Because I am sure I didn't get no mail about stating I owed money. I would like to dispute since I wasn't notified and they didn't use any other form of way to notify me by this because it's a big deal that I should of known before hand. I want to do something about this because it's not fair, that my mail could of been tampered with and open, then it being thrown away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

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


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$250.00}

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 2025-03-08 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Received letter in mail by XXXX over a credit card balance that is XXXX XXXX XXXX. The old account that use to own this credit card, LVNV Funding was not able to verify the debt or dates to see what interest or debt occurred while in the pandemic when the president forced creditors to stop collecting payments.. This debt occurred during the XXXX pandemic. Status of limitations has been reached with this credit card in the state of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX  dated XX/XX/year>, attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. ( Reference Number : XXXX, Account Number : XXXX ). The notice states that I owe {$1000.00} and demands payment. 

On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) by sending a formal request for debt validation to XXXX XXXX XXXX  . In my letter, I requested : A copy of the original signed agreement proving my obligation to pay.

A full breakdown of the balance, including all fees, interest, and charges.

Proof that XXXX XXXX XXXX has legal authority to collect this debt, including a chain of title showing all transfers of ownership.

A copy of their debt collection license in XXXX, as required under the XXXX  Debt Collection Licensing Act ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Verification that this debt is within the statute of limitations, per XXXX XXXX XXXX XXXX XXXX XXXX, which limits collection of written contracts to four years. 
Despite my timely dispute, XXXX XXXX XXXX has failed to provide any validation and continues to attempt collection, in violation of : 15 U.S.C. 1692g ( b ) ( FDCPA ) Prohibits further collection until the debt is validated.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation upon dispute. 
XXXX  XXXX Fair Debt Collection Practices Act ( XXXX XXXX XXXX XXXX XXXX ) Prohibits unfair and deceptive collection practices in California. 
If XXXX XXXX XXXX has reported this debt to credit bureaus without verifying it, they are in violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which requires furnishers to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** Dear Exeter Finance I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information.

**Details of the Complaint : ** 1. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries.

2. **Unauthorized Reporting : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA . 

**Request for Action : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within 10 business days. 

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NE

Complaint narrative:
I understand that XXXX, XXXX and TransUnion should all have the same information concerning my credit profile. There are several accounts listed with Transition as opened but closed on XXXX and XXXX. Also, there are accidents posted with XXXX don't even appear with XXXX or XXXX. I would like for TransUnion to rectify those descrepancies within 4days as stated in 605b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

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


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX ( NEW ) Account number : 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