vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Transunion creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. 

Please see documents in attachments this dispute was not 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am stressed and struggling lost wages income last two years and mariner finance keep only emailing me 8 time never giving up and please leave me alone also I am XXXX and illness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
This company is fraudulently claiming that I owe a debt, providing only fabricated reports they purchased from a third party. They continue to increase the alleged debt every month without any legitimate basis. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXXXX/XX/XXXX, {$350.00}

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 2025-02-08 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-08 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-08 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: TN

Complaint narrative:
Due to the Equifax data breach settlement I have access to credit monitoring. I found through the credit monitoring that on XX/XX/XXXX a hard inquiry was made for a XXXX XXXXXXXX XXXX XXXX XXXX was applied for, and on XX/XX/XXXX I was alerted to identify theft when a hard inquiry for a XXXX XXXX XXXX credit card was applied for. 

I notified XXXX of this fraud and both applications were closed. XXXX refused to contact Equifax to clear these hard inquires and said I had to make a dispute of fraud directly with Equifax. I made a Equifax dispute # XXXX that was immediately denied. I called Equifax on XX/XX/XXXX and they said that XXXX must call them to remove these hard inquiries. I called XXXX and they refused to communicate with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
To whom this my concern, I recently found myself wanting to get in the market to purchase a home which made me put my credit report to notice these 5 fraudulent reports Im attaching here with a FTC report. I havent personally pulled my credit report in over 15 years so I know I didnt do no inquiries on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXXXXXX - XXXX - {$4300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Information on My Credit Report Dear Experian, Equifax, TransUnion I recently reviewed my credit report and found incorrect or inaccurate information listed under my personal details. I am requesting that these errors be investigated and corrected. Below are the discrepancies : 1. Incorrect Names Listed My correct name : XXXX XXXX XXXX names that should be removed : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ] 2. Incorrect Addresses Listed My correct current address : [ XXXX XXXX XXXX, XXXX XXXX FL XXXX ] Incorrect addresses that should be removed : [ XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CT XXXX XXXX FL XXXX, ] 3. Incorrect Employers Listed My correct employer : Self Employed Incorrect employers that should be removed : [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] Please find attached copies of supporting documents, a recent utility bill, verifying my correct identity and address. 

I request that you investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and provide a written response detailing the corrections. 

Thank you for your prompt attention to this matter. Please notify me when the changes have been made or if additional information is required. 

Sincerely, 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Almost impossible to contact a live person to speak about account issues. Their customer service is non-existent. You call their number and are met with an extremely unhelpful and useless automated bot/AI answering service with only a few select options. If you deviate from any options available the bot hangs up on you and you are left with no assistance. If you call other numbers from their website or XXXX  i.e. business side. You talk to a live agent from another country who automatically transfers you back to the same unhelpful bot/AI answering system and you repeat the frustrating process of getting no where. Company should be investigated for fraud for charging for services and not providing assistance or help when there is an issue with said services.

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 2025-02-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2025 Subject : Dispute of Inaccurate Late Payments XXXX ( Account # : XXXX ) & XXXX XXXX  XXXX Account # : XXXX ) To Whom It May Concern, I am formally disputing the late payments reported on my credit file for the following accounts : XXXX ( Account # : XXXX ) XXXX XXXX XXXX Account # : XXXX ) These negative marks are inaccurate, and I am requesting their immediate removal per the laws outlined below. 

1. FCRA 1681i Dispute with Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to investigate and verify the accuracy of any disputed information. If the furnisher ( creditor ) can not provide proper documentation proving the late payment is valid, it must be deleted from my credit report. I request that you : Conduct an investigation into these late payments.

Provide me with the date, proof of delinquency, and original creditor documentation validating these claims. 

Delete these late payments if they can not be fully verified. 


2. FDCPA 1692g Debt Validation Requirement Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, if any third-party collection agency is reporting these late payments, they must provide : Proper validation of the debt.

Original creditor records showing that I was notified and given a chance to dispute the alleged late payments. 


If the furnisher can not provide this validation, the late payments must be removed from my credit report immediately. 

3. TILA 1666b Timely Posting of Payments Under the Truth in Lending Act ( TILA ) 1666b, payments must be credited as of the date of receipt, unless a delay does not result in a fee or an adverse effect. If the late payments were caused by improper posting or delay on the part of the creditor, this reporting is inaccurate and violates federal law.

I demand that you provide : Documentation proving that my payments were processed correctly and in compliance with 1666b.

If no such proof exists, the late payments must be removed from my credit report immediately. 


Resolution Requested : Delete the late payment entries from my credit report entirely, OR Update the account status to Paid Never Late, ensuring no negative marks remain on my report.

I request written confirmation once this matter is resolved. Thank you for your immediate attention to this dispute. 

Sincerely, 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously filed a complaint against XXXX XXXX, they did not send proper communication about our loan transfer and caused us to miss 3 payments which prevented us from qualifying for a loan to purchase a home. The letters they sent were never delivered to us and were returned to the sender. They are not taking any responsibility because we were mailed a letter from our previous servicer, which was mistaken for a bank statement. It's challenging to pay your loan when you don't know who owns it. I understand, I should have checked my payments more closely and I am at fault for that, but when you have 4 business/jobs, 12 plus bank accounts and multiple transactions happening every month, it can easy to over look a couple thousand dollars. 

Their response said we asked to remove any negative credit reporting from the account. We asked to remove only 60 days so we could qualify for a loan. They can keep the 30 day late payment. 

A business with good customer service would have done more to make sure their clients received important information such as " being late 3 months on your mortgage. '' No voicemails, no emails, they didn't call both numbers on file, their numbers showed up as spam which they acknowledged but still decided to not leave a voicemail. Instead we receive responses such as, Their response " We can't make courtesy changes. '' There simply is no customer service or customer appreciation. It would take a week to get a response from anyone, there are no direct numbers or emails for people to reach out to. We are a brand new client and they did absolutely nothing to welcome us and now our perfect credit is ruined for an entire year and we are out thousands of dollars on a contract we had to walk away from.

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 2025-02-08 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 filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding @ Astrology Nurse : Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates.

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 2025-02-08 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: V and H Portfolio
State: TX

Complaint narrative:
I am filing a formal complaint against Vance & Huffman , LLC for predatory credit score manipulation ( i.e., passive debt reporting, repeated and inconsistent reporting, and/or debt parking ), legal violations, harassment, and fraudulent activity. Since XX/XX/year>, I have repeatedly disputed an alleged debt they continue to report, despite failing to provide the legally required proof of their right to collect or report it. 

Vance & Huffman , LLC is currently reporting an alleged debt on my credit report as delinquent. This practice is illegal under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using deceptive means to collect or attempt to collect any debt. Reporting a debt as delinquent without proper validation is considered a deceptive practice. 

Violations Committed by Vance & Huffman, LLC : Failure to Validate Debt Vance & Huffman has not provided proof of ownership, a signed contract, or a full payment breakdown, violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Credit Score Manipulation & Fraudulent Reporting They have altered balances monthly, falsely misrepresenting debt status to damage my credit and coerce payment, a deceptive and fraudulent practice that must be investigated by the appropriate governing legal authorities.

Harassment & Evasion Despite ongoing communication, Vance & Huffman refuses to provide proper validation or resolve the dispute, instead opting to engage in fraudulent collection practices and misrepresentation.

Resolution Demands : Cease all reporting of this unverifiable debt.

Remove the debt from XXXX, XXXX, and XXXX. 
Stop predatory and fraudulent practices of fluctuating balance reports. 
Provide written confirmation of resolution within 5 business days.

A certified dispute letter has already been sent, and I await their response. However, due to Vance & Huffmans refusal to comply, I am escalating this matter to the XXXX XXXX XXXX ( XXXX  ), the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for immediate intervention and investigation of their fraudulent activity. If Vance & Huffman , LLC fails to act, I will pursue legal action for FCRA and FDCPA violations. 

Request for Further Investigation I also request that the XXXX  escalate this complaint to the appropriate regulatory and legal authorities for an investigation into Vance & Huffmans fraudulent activities, including deceptive reporting, misrepresentation, and failure to validate debt in compliance with federal law. 

Please investigate and ensure Vance & Huffman , LLC stops its unlawful and fraudulent practices immediately. I appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX, Account # XXXX has violated my rights. 

Under 15 USC 1681 Section 6002, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666 B, states a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief