vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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:
This letter serves as a FINAL NOTICE regarding the collection account reported by XXXX XXXX XXXX. I have repeatedly disputed this account as inaccurate and unverifiable under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), yet you continue to report it.

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 2025-03-03 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: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

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

Complaint narrative:
I am writing to formally dispute inaccurate information that TransUnion is reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The inaccuracy pertains to an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). My credit report shows that this account was reported as 180 days late in XX/XX/year>, despite the fact that there are no prior late payments on record for this account. It is impossible for an account to suddenly be reported as 180 days delinquent without first being 30, 60, 90, or 120 days late, making this reporting clearly inaccurate.

Under the FCRA, TransUnion is legally obligated to ensure the accuracy of the information it reports : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy in consumer credit files. The erroneous 180-day late notation violates this requirement.

15 U.S.C. 1681i grants me the right to dispute inaccurate credit information and requires TransUnion to conduct a reasonable reinvestigation and correct errors.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers of credit data from reporting false or misleading information to credit bureaus.

This inaccurate reporting is unfairly harming my credit profile and must be deleted or corrected immediately. I have attached a copy of my credit report with the incorrect delinquency clearly highlighted.

I demand that TransUnion immediately investigate and correct this inaccuracy by either removing or updating the erroneous late payment record to reflect only a positive payment history.

Failure to comply with the FCRA may result in legal action to enforce my rights. I appreciate your prompt attention to resolving 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/year> I sent a certified letter requesting documentation proof of my wet signature and or any information proving that this account belongs to me and if it did belong to me my that information is correct which they failed to fulfill my request instead they reported on my credit report XX/XX/XXXX invalid information without any notification to me after my request, I am requesting for this documentation to be removed on all platforms considering this being a violation according to 15 U.S.C SECTION 1692 G. And with XXXX XXXX, they fail to give me a 30 day notice saying that I owe them anything with a chance of disputing when I called. They didnt remove it off a transient, but failed to remove it off of XXXX and XXXX. I am requesting for this information to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-03 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-03-03 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
My account was frozen by cashapp bc I sent bitcoin to my own XXXX in my name and will not provide me with anymore information then that. I can not withdraw my funds to my bank or close the account.

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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in XXXX. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 


Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account

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

Complaint narrative:
XXXX XXXX is reporting that I owe {$16000.00}. This is incorrect. I settled with the law firm that they hired, XXXX XXXX XXXX. I settled and paid {$9000.00} on XX/XX/XXXX. They also garnished my paycheck starting XXXX. I have repeatedly contacted the credit report companies and XXXX to have this collection removed, but they are stating it is correct. I submitted the settlement letter along with the release of judgment letter to them all. Only XXXX XXXX removed the collection. I want them all to remove the collection. It is more than 10 years old and has been paid. I have tried to talk to someone from XXXX, but because my account was in collection, they only communicate by email. I received an email XX/XX/XXXX stating that this collection is reporting correctly and that they do not report on judgment accounts. The judgment has been released. The law firm sent me the release letter. This inaccuracy and lies are preventing me from qualifying for a mortgage. I am trying to buy a home, and my credit score is incorrect, and I would like it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting that I owe {$16000.00}. This is incorrect. I settled with the law firm that they hired, XXXX XXXX XXXX. I settled and paid {$9000.00} on XX/XX/XXXX. They also garnished my paycheck starting XXXX. I have repeatedly contacted the credit report companies and XXXX to have this collection removed, but they are stating it is correct. I submitted the settlement letter along with the release of judgment letter to them all. Only XXXX XXXX removed the collection. I want them all to remove the collection. It is more than 10 years old and has been paid. I have tried to talk to someone from XXXX, but because my account was in collection, they only communicate by email. I received an email XX/XX/XXXX stating that this collection is reporting correctly and that they do not report on judgment accounts. The judgment has been released. The law firm sent me the release letter. This inaccuracy and lies are preventing me from qualifying for a mortgage. I am trying to buy a home, and my credit score is incorrect, and I would like it corrected.

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 2025-03-03 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Account numberXXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK
State: IL

Complaint narrative:
I opened a checking account of East West Bank, and since East West Bank needed to inject funds to activate the account, so I wanted to bind my East West Bank account to XXXX and withdraw funds from XXXX to East West Bank account. When I binded my East West Bank account to XXXX, XXXX sent two small amounts of funds to my East West Bank and then withdrew them for a small verification. And then the next day my East West checking account was closed for no reason, and other than that, I've never used my bank account for anything.It took less than a week for my account to open and close.

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 2025-03-03 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:
I am writing to formally file a complaint against Experian and XXXX XXXX XXXX ( XXXX ) for their failure to remove an inaccurate and misleading collection account from my credit report. Despite multiple disputes and clear evidence that the alleged debt is invalid, Experian has failed to delete it from my report, and XXXX has not provided any proof that they have the legal right to collect on this debt. 

I was never notified by XXXX regarding this alleged debt, nor was I given any opportunity to validate or dispute it before it appeared on my credit report. When I requested validation from XXXX, they failed to provide any documentation proving that I owe this debt or that they have legal authority to collect it. The only piece of information regarding this debt is an Email from dated XX/XX/XXXX from XXXX stating this collection will soon report to my credit due to me failing to make suitable arrangements to satisfy this alleged debt. This is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Additionally, XXXX has violated my rights by : 1. Failing to validate the debt Under the FDCPA, a debt collector must provide proper validation upon request, yet XXXX has ignored or refused to do so. On XX/XX/XXXX, I mailed a validation request to XXXX and requested immediate deletion of their reporting on my credit reports. They never responded to my initial request. 
2. Reporting inaccurate and misleading information Since XXXX has not proven that they legally own this debt, their reporting of it to Experian is deceptive and damaging. 
3. Failure to notify me of the alleged debt I was never given the required written notice of this debt, denying me the opportunity to dispute it before it was reported. 

Experians continued reporting of this unverifiable and inaccurate collection is a violation of the FCRA. Since XXXX has failed to provide proof of ownership or validation, this account must be removed from my credit report immediately. 

Furthermore, I have sent a Cease and Desist notice to XXXX through the XXXX ( XXXX ) on XX/XX/XXXX requesting they immediately cease all Collection activity and delete the inaccurate reporting from my credit reports. They since then have failed to acknowledge that cease and desist. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian deletes this account from my credit report and holds XXXX accountable for their unlawful actions.

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 2025-03-03 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: TX

Complaint narrative:
I am writing to report a collection account that I have no knowledge of, which was recently brought to court. The account was filed in the courts of XXXX, Texas, and after reviewing the case, the judge ruled in my favor, dismissing the case entirely. 



I had no prior knowledge or notice of this alleged debt, and I believe the collection account is either inaccurate or not mine. Despite my lack of familiarity with the account, the case was taken to court, where I was able to present my position. The judge agreed with my arguments, and as a result, the case was dismissed. 



I am concerned that this collection account is still being reported on my credit or is being pursued incorrectly, and I am requesting that this matter be investigated and resolved in accordance with the law. 



Please find attached any relevant documentation, including the courts judgment of dismissal, for your review. 



Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-03-03 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: MD

Complaint narrative:
Pursuant to 15 USC1681s-2 as of current sit in violation of the furnishing on consumer credit report. As XXXXXXXX XXXX Address reported is indeed inaccurate currently in dispute with inaccurate reporting with credit bureau. These persists error have place me Financial in distress. Accuracy has completely been disregarded on furnishing credit report. Seeking remedy for willfully reporting such inaccuracy.

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 2025-03-03 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: MD

Complaint narrative:
Pursuant to 15 USC1681s-2 as of current sit in violation of the furnishing on consumer credit report. As XXXXXXXX XXXX Address reported is indeed inaccurate currently in dispute with inaccurate reporting with credit bureau. These persists error have place me Financial in distress. Accuracy has completely been disregarded on furnishing credit report. Seeking remedy for willfully reporting such inaccuracy.

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