vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: NY

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 TILA US Code 1666B 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 ( FCBA ) 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 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: Regional Management Corporation
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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: 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: GA

Complaint narrative:
On XX/XX/year> I submitted an FTC report for the account to be removed from Transunion as I was directed by Transunion to do so. I contacted Transunion on XX/XX/year>, a representative told me that the account would be removed by XX/XX/year>. I contacted Transunion XXXX XX/XX/year> & the representative told me that the account was verified but it wasn't.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On Friday, XX/XX/year>, I contacted Amshere Collections Services, to attempt a settlement concerning a balance of {$470.00}, as seen on my credit report, at, or around XXXX XXXX. 
After kindly providing my information to a representative I was then informed that they no longer had an account for me, so I then questioned why it remained on my credit report. 
The representative told me to contact someone else about their statement on my credit report and denied me any documentation, proving an account ever existed with them, or documentation saying that the did not have an account for me, as this was improper use and reporting of my credit report via FCRA rules and regulations. 
If they don't have an account with me I would assume that they would remove it from my credit report immediately and without question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1100.00} XXXX XXXX 15 U.S.C, 1681section 602 A. XXXX 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up to my initial dispute regarding the charge-off accounts reported by XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX - {$20000.00} ) on my Equifax credit report. Despite my previous attempts to resolve these discrepancies, these accounts remain inaccurately reported, reflecting substantial financial liabilities that are either incorrect or unverifiable. This continued failure to correct or remove these accounts is particularly concerning given recent findings by the Consumer Financial Protection Bureau ( CFPB ), which have highlighted Equifaxs systemic failures in conducting proper investigations. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days, ensuring the accuracy of every detail reported. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Given the increasing prevalence of data breaches and the potential for compromised financial data, it is imperative that these discrepancies be addressed promptly to avoid further harm. This is particularly troubling given that such errors can significantly impact my credit score, financial opportunities, and overall financial stability.

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 additional products or services purchased with the loan
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
On XX/XX/2025 at approximately XXXX my vehicle " ENGINE LIGHT '' turned on so I took it to the XXXX XXXX  and was told " l need to leave the vehicle because the item was " backed ordered '' and was told a " rental car '' would be provided, my vehicle was completed XXXX XXXX. While driving home I notice that the " XXXX  light was permanently set to stay on and also removed the " ON/OFF '' capability, also signed and Logged on to the XXXX XXXX  using the Dealership 's Log On information and furthermore the XXXX is fixed to stay on and while driving on the FWY, I discovered that Trucks and Cars are " following me and while in front of my vehicle, the Driver is spraying chocking Agents as the driver passes and change lanes, then takes off at a high rate of speed, I was unable to get the license plate number as he departed at a high rate of speed. I filled out the Dealership Survey and made my concerns known, but the Dealership Refuses to respond. 
What the Dealership done " is illegal '' and expect the Dealership to return the vehicle setting be returned to the " Original New Car Positions and furthermore I am a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ''

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I randomly got a letter stating Dear XXXX XXXX, XX/XX/year> Re : Account ending in XXXX Creditor : Capital One N.A. 
We are closing this account because Capital One has observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage. 
Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc. 
You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches XXXX. 


There was no fraudulent or unusual activity. I use it for gas only and the occasional coffee. I will now have a new closed account on my credit. I confirmed with the representative that they never ASKED me. He said their system automatically closed it. To open a new one, I would have to reapply per the representative. This would entail me getting another hit on my credit. They have lowered my score with a card I got to raise my score by only purchasing gas. The representative told me it could not be reopened. I was never asked if unusual activity or fraud occurred.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT

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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: 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: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing several hard inquiries reported by Equifax, including XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. These inquiries have caused a significant negative impact on my credit score, and I do not recall authorizing these creditors to access my personal credit file. The presence of these unauthorized inquiries raises serious concerns about the accuracy of my credit report and the security of my personal data. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations into disputed items. As outlined in 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to perform a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, 15 U.S.C. 1681 ( a ) ( 5 ) mandates that any inaccurate, incomplete, or unverifiable information must be promptly corrected or deleted. The ongoing presence of these unauthorized inquiries suggests a clear violation of these federal requirements, further undermining my trust in Equifaxs data handling practices.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX. 
Accounts of unverified debt XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account. 

Please provide me with : XXXX. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation. 
XXXX. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements with legal standing terms of conditions, bill of sale and XXXX 

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX. 
Accounts of unverified debt XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account. 

Please provide me with : XXXX. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation. 
XXXX. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements with legal standing terms of conditions, bill of sale and XXXX 

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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