vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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:
XXXX reaching out to request that you thoroughly verify and certify that all the data associated with this account is indeed mine. I need confirmation that every detail on this account is accurate and belongs 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integras Capital Recovery LLC
State: TX

Complaint narrative:
I financed a car with a company called XXXX XXXX XXXX in XXXX. The car was repossessed in XXXX ( fell 2 months behind ). Called the company a few weeks later when I got paid trying to pay the past due balance they told me no & said I would have to pay {$8000.00} to get the car back. I declined and got another car. I get a letter from them in XXXX saying XXXX being sued ( FOR A CAR THAT I NO LONGER HAVE ). Then in XXXX they put a freeze on my bank account & tried to take over {$11000.00} out of my account. Then in XXXX of this year Integras Capital Recovery LLC put another freeze on my account trying to take over {$15000.00} out of my account. CLAIMING THE COMPANY TURNED MY ACCOUNT OVER TO THEM. The account is over XXXX XXXX XXXX. They buy old accounts and scam people thats barely getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint to credit bureau - reply was dispute appears to have come from XXXX party. 

Dispute was filed by myself and sent via certified mail with tracking. TransUnion has refused to process my dispute and violated FCRA

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I hope this letter finds you well. I am writing in reference to the accounts under my name. As part of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the XXXX XXXX guidelines, I am requesting that you provide documentation of how this account was verified. 

Specifically, I request the following : XXXX of Account XXXX : Please provide the verification methods and steps taken to confirm the accuracy of the information reported on my account. 

XXXX Process Documentation : Under the FCRA, it is required that any information provided to consumer reporting agencies be accurate and verifiable. Please provide evidence of the processes used in verifying my account, in accordance with XXXX XXXX standards for accurate data reporting. 

Supporting Documentation : If applicable, provide any documents or records, including but not limited to, signed agreements, account statements, or other records used to substantiate the existence of this account. 

Please send the requested information within 30 days of receipt of this letter, in compliance with the FCRA, which mandates that consumer reporting agencies and data furnishers respond within this time frame. 

If these accounts can not be properly verified, I request that you update my records accordingly and notify the credit bureaus that the information has been found to be unverifiable, as required under FCRA Section 611 ( 15 U.S.C. 1681i ). 

If you fail to respond appropriately within the statutory XXXX period, I XXXX be forced to pursue further legal action, including filing a dispute with the appropriate regulatory bodies and considering legal remedies as permitted by law. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested proof of verification as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-30 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: CA

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

Company 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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX BANK XXXX Account XXXX XXXX, XXXX XX/XX/XXXX {$130.00} XX/XX/XXXX 0 % {$130.00} {$130.00} Individual Account Comments : COLLECTION ACCOUNT Contact Info : ( XXXX ) XXXX CARE OF RESURGENT CAPITAL XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-30 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: IN

Complaint narrative:
I am disputing the information outlined in this FTC complaint as it appears on my credit profile. I request validation of the debt to confirm that it is indeed my ( XXXX XXXX ) responsibility. If the debt can not be properly validated, I ask that it be removed from my credit profile. Please note that verification does not constitute validation.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-30 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: WI

Complaint narrative:
I am filing this complaint regarding an unverifiable collection account being reported to my Equifax credit report under the name " XXXX at XXXX XXXX XXXX '' The collection account is listed with an internal agency ID XXXX XXXX, but no contact information or collection agency name has been provided on my credit report. I have made multiple good-faith attempts to obtain the name and mailing address of the collection agency from the original creditor, XXXX at XXXX XXXX XXXX XXXX 

On XX/XX/year>, I sent an official written request to XXXX at XXXX XXXX XXXX, asking them to provide the agency 's name and contact information so I could properly validate and dispute this debt. As of today, XX/XX/year>, they have failed to respond to my request. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and validate debts reported to my credit file. The failure of the original creditor and Equifax to provide verifiable information prevents me from exercising my rights. 

I am requesting the Consumer Financial Protection Bureau require Equifax and/or XXXX at XXXX XXXX XXXX XXXX XXXX : Provide full verification and contact information of the collection agency reporting this debt, or Delete this unverifiable collection account from my credit report immediately. 

I have attached copies of the letters I sent to XXXX, along with proof of their non-response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the reported balance increase on my auto loan account # [ Your Account Number ] as shown on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate reporting of my financial obligations, and I believe the reported balance is incorrect. 

Upon reviewing my credit report, I noticed that after the account was reported to the credit bureaus, the balance increased, which is inconsistent with the terms of my loan agreement. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), it is unlawful to misrepresent the amount of a debt. An unexplained increase in balance after reporting constitutes an unfair and deceptive practice. 

To resolve this matter, I request that you : Provide a detailed breakdown of the balance, including all charges, fees, and payments applied to my account. 
Correct any errors and update the reported balance with all credit bureaus. 
Provide written confirmation that the account balance has been corrected or verification that the reported balance is accurate. 
If you can not validate the increased balance, I request that you immediately remove or correct the inaccurate information in compliance with the FCRA. Failure to do so may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please consider this letter as a formal dispute under the FCRA, and I expect a response within the legally required XXXX period. You may send your response to my address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 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: MD

Complaint narrative:
I recently did an investigation on my credit report and I found a account I believe don't belong to me And wish to have removed from my credit report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has taken my money in several ways through cash app addings of over {$30000.00} because I put money in XXXX  and in my account and out of no where with no valid reason cash close my account. I had over XXXX of money invested in my stocks to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX sold the car. Write the loan off after sale sold loan to another company and the prices are different. I never had a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute multiple unauthorized hard inquiries on my credit report. These inquiries were not initiated or authorized by me, and I request a formal investigation under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please review these entries and confirm whether the companies involved can demonstrate a valid, permissible purpose for accessing my credit report. If not, I request permanent deletion of these inquiries. 

Please provide a written response detailing the results of your investigation, along with an updated copy of my credit 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 2025-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Dear Exeter Finance, FINAL DISPUTE I am writing to formally dispute the reporting of a charge-off on my credit report for account number XXXX. Your company has written off this debt ; however, I have not received a Form XXXX, which is required by the IRS when a debt of {$600.00} or more is canceled or forgiven. 
Under IRS regulations, if a creditor cancels a debt, they are typically required to issue a XXXX to the debtor. The absence of this form suggests that the debt may not have been legally canceled, and therefore, it should not be reported as a charge-off on my credit report. If the debt was truly canceled and charged off, I request that you provide me with a copy of the XXXX for my records. 
Additionally, I request that you provide validation of this debt, including but not limited to : The original agreement and account statements showing the balance owed. 
Documentation proving that the debt was charged off and reported accurately. 
Any communication regarding the cancellation or forgiveness of the debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting a notice pursuant to the Fair Debt Collection Practices Act,15 USC1692g Sec.809 ( B ) that this claim is disputed and validation is requested as well as a cease and desist I am respectfully requesting competent evidence and VALIDATION made pursuant to the above named Titled and Section as well as evidence of any legal obligation to pay you. I am also requesting an assignment contract .Please provide detailed information regarding the nature of the account explaining how these calculations come about that you say I owe. Proof of agencies authority to collect as well as license also requested. I dispute validity of this debt and respectfully request a removal from all XXXX bureaus within a timely fashion mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed. 

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately. 

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the XXXX legal timeframe, outlining the actions taken or reasons for refusal.

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