vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: CT

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Inquiry ( Equifax ) XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Usset Weingarden & Liebo PLLP
State: MN

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX, now XXXX XXXX XXXX ( man ) from XXXX, XXXX, XXXX and XXXX are caught in a wrongful foreclosure, Mail Fraud and furnishing lies upon our Credit Report. 

XXXX placed Deed In Lieu upon our reports yet we never had a contract with them nor do they have STANDING to collect, auction or foreclose. 

The Minnesota Judges are Aiding and Abetting each other, now refiling my case in XXXX on Monday. This is major mortgage fraud discovered. There is more victims of XXXX. So called lenders are not on their reports either!?!?!?! 

XXXX is the so called original lender/creditor/servicer yet NEVER-ON-OUR-CREDIT-REPORTS = FRAUD = Proper recording was not done. My Audit prove Chain of title broken, Deed Of Trust Violated, Mortgage Bifurcated, There is no Lender as that'd mean XXXX XXXX have to lent their own money making a valid claim there's a DEBT/Lender/Creditor, there is no DEBT. 

XXXX and XXXX need to back the XXXX XXXX, CEASE AND DESIST per 15 USC 1692c ( c ) XXXX or XXXX prove XXXX XXXX their own money, THATS IT XXXX  XXXX!!!!!!!!!!!!!!!! Show the accounting records, PROVE XXXX XXXX MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY DIDNT. XXXX XXXX  XXXX. There is no creditor so XXXX XXXX XXXX 

CFPB, FTC, and multiple Agencies need to step in. This is absolute XXXX XXXX. 

In order for you to be a a Creditor/Lender you 100 % MUST be on our credit reports and XXXX is not, attached is the proof, therefore Mortgage Fraud Proven, no one has rights to collect or foreclose and to Furnish Deed In Lieu withour a contract = Major Fraud and XXXX XXXX now I 100 % Prove, there's no creditor or lender and everyone is caught in complete mortgage fraud. 

Lead Attorney for Department of Commrce is going after XXXX XXXX ... she has the Audit and Proof of pure Fraud. The XXXX XXXX DEBT shows paid off = it's paid off. 

XXXX XXXX XXXX in major crime and contract fraud. 

All must CEASE AND DESIST IMMEDIATELY per 15 USC 1692c ( c ) 1. 

XXXX has to stop all attempts to collect a DEBT until he can prove there's a creditor which means he needs to prove XXXX lent their own money and they didn't = no valid DEBT + the audit proves mortgage fraud. 

XXXX attahments more than prove they're caught in pure fraud and real crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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

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 2025-03-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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

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 2025-03-20 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-20 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute and Correction of Personal Information on My Credit Report Dear CFPB, I am requesting an immediate investigation into the inaccurate personal information reported on my credit files with Experian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any incorrect, incomplete, or outdated information on my credit reports and request corrections. The credit bureaus are required to maintain accurate and up-to-date consumer information, and failure to do so is a violation of the law.

The only Personal Information that should be displayed on my report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Telephone : XXXX Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681c - Accuracy of Consumer Reports : Credit bureaus must ensure that consumer reports do not contain inaccurate, outdated, or incorrect personal information.

FCRA 15 U.S.C. 1681i - Duty to Correct and Update Information : Credit bureaus must investigate and correct any disputed personal information within 30 days of receiving a dispute.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Date XX/XX/2025 {$930.00} XXXX received a court summons for civil action by LVNV Funding there's no account number or anything I know nothing about this company or who they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 non-monetary relief
Consumer complaint received 2025-03-20 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: CT

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inquiry ( TransUnion ) XXXXXXXX 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 Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-20 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: TX

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2025-03-21 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disrupted items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-20 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: Experian Information Solutions Inc.
State: MD

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 2025-03-21 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:
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 non-monetary relief
Consumer complaint received 2025-03-21 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: PR

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Identified Violation of 15 U.S.C. 1681b Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Mandatory Blocking of Unauthorized Information Under 15 U.S.C. 1681c-2, when a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over 60 days have passed, and I have received no response

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 2025-03-21 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: PR

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Identified Violation of 15 U.S.C. 1681b Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Mandatory Blocking of Unauthorized Information Under 15 U.S.C. 1681c-2, when a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over 60 days have passed, and I have received no response

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 2025-03-20 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: FL

Complaint narrative:
My consumer report contains data that was obtained through identity thief. I didn't give explicit written consent or instructions for the transaction in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. T did not make a factual misinterpretation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions. The transaction that has been deleted don't pertain to any transaction that I, the consumer, have made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within 5 days after the transactions, you must comply with my request and prevent these transactions from being included in my consumer 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 non-monetary relief