vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-03-09 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: MD

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 2025-03-09 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: AL

Complaint narrative:
According to 15usc 1692c you have violated my rights by in lawful communication please remove this from my credit report thank e

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 2025-03-09 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: AL

Complaint narrative:
Credit reporting agencies : XXXX, XXXX XXXX Transunion XXXX : XXXX SECURED XXXX SECURED INSTALLMENT ( ( XXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-09 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: LA

Complaint narrative:
I noticed that there still an error on my credit report regarding on my personal information.

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 2025-03-09 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: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. 

I dispute the following hard inquires on my credit report : -XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX via XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX23 XXXX XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX2023 -XXXX  XXXX XXXX XXXX XX/XX/XXXX2023 -XXXX  XXXX XXXX  XXXX XX/XX/XXXX23 XXXX XXXX XXXX XXXX  on XX/XX/XXXX2023 -XXXX XXXX on XX/XX/XXXX2023 -XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX2023 -XXXX  XXXX XXXX on XX/XX/XXXX2023 XXXX XXXX XXXX on XX/XX/XXXX2023 UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 611 ( 15 U.S.C. ~ 1681i ), UNAUTHORIZED INQUIRES MUST BE REMOVED. PLEASE REMOVE AND INACCURATE INQUIRES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
Credit reporting agencies : XXXX, XXXX XXXX Transunion XXXX : XXXX SECURED XXXX SECURED INSTALLMENT ( ( XXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was opened on manipulation of someone I knew. They were supposed to pay the debt owed but never did and it messed up my credit. It should be closed per penal code 15 usc 1666b. And 15USC1692g. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX FORMAL DEMAND FOR DEBT VALIDATION & IMMEDIATE REMOVAL FROM CREDIT REPORT To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged debt you have reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), you are legally required to provide proper validation of this account or cease all collection activity immediately, including reporting it to any credit bureau.

LEGAL DEMANDS : Pursuant to federal law, I demand the following : 1. Proof of Debt Ownership ( 15 U.S.C. 1692g ( a ) ) Provide the original signed contract or agreement that establishes my liability for this debt.

Provide the original creditors name, address, and contact information.

2. Complete Payment & Charge Breakdown ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Itemized statement showing the principal balance, interest, late fees, collection costs, and any additional charges.

3. Legal Authority to Collect ( 15 U.S.C. 1692e ( 10 ) ) Documentation proving Jefferson Capital Systems legally owns or has been assigned this debt.

Chain of custody showing all ownership transfers from the original creditor.

4. Proof the Debt is Within the Statute of Limitations ( 15 U.S.C. 1692f ) Under Texas law, the statute of limitations for debt collection varies. If this debt is time-barred, you must cease reporting and collecting immediately.

IMMEDIATE CREDIT REPORT REMOVAL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with complete documentation, you are required to remove any related negative reporting from my credit file. Failure to comply is a direct violation of federal law.

You are on notice : If you fail to provide full validation within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney Generals Office, and all three major credit bureaus ( XXXX, XXXX, and XXXX ). Additionally, I will explore legal action for damages under 15 U.S.C. 1681n, which allows me to sue for willful noncompliance.

THIS IS NOT A REQUEST IT IS A LEGAL DEMAND. You must comply by law. Any further attempt to collect on this debt without proper validation will be considered a direct violation of my rights, and I will pursue all legal remedies available. 

I expect your written response within 30 days of receipt of this letter. If you fail to validate the debt or remove it from my credit report, I will take further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
Certainly! Heres a template for a complaint letter to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Department XXXX XXXX XXXX. XXXX, XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Name of Company or Institution ] regarding an issue I have encountered with their [ Credit Report and Score ]. I believe that their actions/inactions have violated my rights as a consumer, and I am seeking your assistance in resolving this matter.

Nature of Complaint : I verbal contact them on the phone asking to disputed all 14 negative items and all inaccurate information on my credit report and remove all old address i explained that it was illegal according to fair credit act 15 : U.S.C.1681 and 15.U.S.C.1682 both verbally and writing! and how they failed to resolve the issue. ]. I made multiple attempts verbally in in writing Attempts to Resolve i called and submitted disputes I reached out to Equipfax customer service on XX/XX/XXXX and was told that it was hindering me and that I cant get a place to live because of it However, they have failed to remove the bad and negative items off my credit report despite my repeated requests.both verbally and in writing a disputed Impact it's has emotional draining for me I i can't get a vehicle or a place to live because it I'm XXXX XXXX XXXX XXXX As a result of this unresolved issue, I have faced financial hardship due in the middle of a divorce to the erroneous charge, and I have spent considerable time and effort trying to resolve the matter with I respectfully request that the CFPB investigate this matter and assist in resolving it. Specifically, I would like [ state your desired outcome, such as a refund, cancellation of charges, etc. ]. 





Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX -- - You can fill in the details according to your specific situation. Make sure to include any relevant documentation that supports your complaint when sending it to the CFPB.

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 2025-03-09 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: LA

Complaint narrative:
Certainly! Heres a template for a complaint letter to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Department XXXX XXXX XXXX. XXXX, XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Name of Company or Institution ] regarding an issue I have encountered with their [ Credit Report and Score ]. I believe that their actions/inactions have violated my rights as a consumer, and I am seeking your assistance in resolving this matter. 

Nature of Complaint : I verbal contact them on the phone asking to disputed all 14 negative items and all inaccurate information on my credit report and remove all old address i explained that it was illegal according to fair credit act 15 : U.S.C.1681 and 15.U.S.C.1682 both verbally and writing! and how they failed to resolve the issue. ]. I made multiple attempts verbally in in writing Attempts to Resolve i called and submitted disputes I reached out to Equipfax customer service on XX/XX/XXXX and was told that it was hindering me and that I cant get a place to live because of it However, they have failed to remove the bad and negative items off my credit report despite my repeated requests.both verbally and in writing a disputed Impact it's has emotional draining for me I i can't get a vehicle or a place to live because it I'm XXXXXXXX XXXX XXXX XXXX  As a result of this unresolved issue, I have faced financial hardship due in the middle of a divorce to the erroneous charge, and I have spent considerable time and effort trying to resolve the matter with I respectfully request that the CFPB investigate this matter and assist in resolving it. Specifically, I would like [ state your desired outcome, such as a refund, cancellation of charges, etc. ]. 





Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX -- - You can fill in the details according to your specific situation. Make sure to include any relevant documentation that supports your complaint when sending it to the CFPB.

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 2025-03-09 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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed that there still an error on my credit report regarding on my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-03-09 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: FL

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

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 2025-03-09 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: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
The department of education shared my student loan information with a non approved entity and or individual. This is a violation of FERPA which protects student information. Due to this violation and non protection of student data. I request a release and discharge of this information. 

Additional code violations are applicable 15 US Code 1681 ( XXXX ) 15 US Code S 1666B 12CFR 1026.13

Company response to consumer: Closed with explanation