vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/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 2025-03-24 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: CL Holdings LLC
State: AZ

Complaint narrative:
Such XXXX  account is currently on my credit report, filed through XXXX of no knowledge of such account. Per the backup, the account was opened in XXXX of 2023 in which I have not opened a XXXX account. 

I REQUESTED FOR BACKUP DOCUMENTS TO SHOW WHO OR HOW SUCH ACCOUNT WAS OPENED AS THIS DOES NOT BELONG TO ME AND IT SHOULD BE REMOVED IMMEDIATELY. 

PER THE BACK UP IT ALSO SHOW THAT 2 PAYMENTS WERE MADE/PAID ON TIME, I DONT HAVE RECORDS OF SUCH PAYMENTS AS THIS ACCOUNT DOES NOT BELONG TO ME, THIS IS FRAUD. 

THE COMPANY HAS FAILED TO DELETE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX  INDIGO has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which XXXX  INDIGO has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action. 

XXXX XXXX Date Opened : XX/XX/year> Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Re : XXXX / XXXX Company refuses to share electronic documentation as requested re : Under the Americans with Disabilities Act ( ADA ) 42 U.S.C . 12101 et seq., individuals with XXXX have the right to receive communications in an accessible format, including electronic communication, as a reasonable accommodation. 


Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned. Re : XXXX / XXXX I have no knowledge of this alleged account / debt. I would also like assistance in filing a formal grievance re : ADA violation, given the companys disregard for XXXX Americans.

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 2025-03-24 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: AL

Complaint narrative:
I lost my purse which included my wallet. It also had my personal information inside of my wallet such as my government ID and also my social security card. I have noticed these negative 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 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 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 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 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 2025-03-24 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: AL

Complaint narrative:
I lost my purse which included my wallet. It also had my personal information inside of my wallet such as my government ID and also my social security card. I have noticed these negative 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
This has been the worst experience I've ever had with any company regarding a credit card. I never signed up for electronic statements and never got any statement or notice of anything ever. Nobody called, nobody sent any mail, but one day I see my credit report has an overdue card and surprise! It's Avant. They have no issue charging you a fee to use the card, and then never telling you there is any balance to pay, and their online banking was so broken I was never able to use it or sign in. I called to ask them to cure my credit report if I just pay and close the account, and the customer service person LITERALLY put me on hold every time I asked a question. Do not use them unless you want to deal with problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
Uplift has charged off this fraudulent debt and then sold the debt to XXXX XXXX XXXX, I had filed a fraud affidavit with Uplift and they never addressed the claim. I recently went to court with XXXX XXXX XXXX who was seeking a summary judgment against me for the fraudulent charges, the judge denied their motion seeking a summary judgment because the plaintiff did not respond or acknowledge my fraud claim. This case was ultimately dismissed. Please see the court documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation into a disputed collection account reported by XXXX XXXX XXXX. 

The account was disputed based on lack of prior notice and validation from the debt collector, as well as inconsistencies in the reporting across bureaus. Despite this, Experian marked the dispute as verified as accurate without any supporting documentation or explanation.

Under FCRA 1681i, Experian is required to investigate consumer disputes with due diligence. In this case, the collector failed to validate the debt, and yet Experian continued reporting the account based on that unverifiable information.

I am requesting that Experian remove this account from my credit report until proper validation is received and a thorough investigation is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation into a disputed collection account reported by XXXX XXXX XXXX. 

The account was disputed based on lack of prior notice and validation from the debt collector, as well as inconsistencies in the reporting across bureaus. Despite this, Experian marked the dispute as verified as accurate without any supporting documentation or explanation.

Under FCRA 1681i, Experian is required to investigate consumer disputes with due diligence. In this case, the collector failed to validate the debt, and yet Experian continued reporting the account based on that unverifiable information.

I am requesting that Experian remove this account from my credit report until proper validation is received and a thorough investigation is completed.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account closed to overdrafts XXXX  caused directly 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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had disputed a transaction for cash app of {$900.00} that happened on XX/XX/2024. I had advised that I didn't authorize the transaction. My phone was actually stolen. I disputed this transaction several times. They stated that it was a valid transaction. How was the possible when I didn't have my phone nor did I authorize the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : US DEPARTMENT OF EDU Balance {$5000.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance {$3000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX VIA DEALER Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$760.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$1800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1700.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX  ( 3 different times ), XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization XXXX XXXX XXXX I have identified several accounts and pieces of information on my credit report that are incorrect and were not authorized 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 2025-03-24 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: HW Holding, Inc
State: WI

Complaint narrative:
I have credit/debit cards in my name that were sent to an address that I never stayed. I have addresses tied to my name that until a week ago never even heard of. I have reached out to many of the credit card customer service numbers and they are starting an investigation into the matter. I will also get a police report and contact my lawyer just in case i will need him for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XXXX according to, I opened a XXXX XXXX credit card to build credit and to purchase items for my child. The last payment received was XXXX. I was also taken to court as well. I informed them of income change and could not meet the requirements and to see if a different amount could be worked out monthly. The original debt/account has been frequently sold and I have been notified as going to be sued. I recently started to receive overwhelming letters and phone calls about the issue. I called today, XX/XX/XXXX to collect information however the representative from MCM appeared to be impatient, rude, and showed no empathy at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-24 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: TX

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove or update these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

Please promptly eliminate the late payment and UPDATE this account immediately. 
XXXX XXXX XXXX Balance : {$300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$370.00} Date Opened : XX/XX/XXXX I request that this account be completely removed from my credit report. Please take immediate action to delete it. 
XXXX XXXX XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681o for failure to properly investigate disputed information and for initiating an unauthorized dispute without my consent. 

Background : I previously disputed a tradeline from XXXX XXXX XXXX with TransUnion that was completed XX/XX/XXXX. Despite providing notice that the account was inaccurate and unverifiable, TransUnion verified the information as accurate. 

On XX/XX/XXXX, I contacted TransUnion to request information about their verification process and how they deemed the XXXX account accurate. 

Instead of responding to my inquiry, TransUnion initiated a new dispute without my request or consent, which is a deceptive and unauthorized action. 

Meanwhile, XXXX has now deleted this account from my credit report after acknowledging that XXXX XXXX failed to verify the debt.

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) TransUnion failed to conduct a reasonable reinvestigation after being informed the information was inaccurate.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) TransUnion failed to provide proper notice or documentation regarding the verification.

15 U.S.C. 1681o TransUnions negligent reinvestigation and unauthorized dispute submission have caused undue harm, distress, and continued inaccurate reporting. 

Lack of parity between bureaus TransUnion continues to report an account that XXXX and XXXX has removed due to lack of verification. This inconsistency should be investigated.

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