vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
i filled bankruptcy for my home and my car, he bankruptcy was dismissed because the lawyer didn't know that in XXXX  bankruptcy doesn't save properties that have sold at a foreclosure auction. the car i am financing is behind {$11000.00} it was recently repossessed. while being repossessed the tow company damaged the car by towing it improperly and causing serve drive train and powertrain issues. i paid to get he car back and its undrivable its been at the dealership for over three weeks. The tow company is threating to throw away my personal belonging in by XX/XX/year> if i don't pay {$100.00} whch is hard because i don't have transportation also I have to pay repair the car with being they denied responsibility and the claim for repair. Also the finance company knows the car is undrivable due to the damages cause by the tow company but they are still demanding payment or i risk these guy snatching my car and damaging it again. Also i am financing this at XXXX XXXX  XXXX which is extremely high. I just feel this is unfair.

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 monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was surprised to see inaccurate accounts on my credit report this morning, and I have no idea why they are there. I check my credit report regularly, but this time, I found unexpected inconsistencies. Hoping it was just a display issue, I refreshed my browser, but the errors remained. Because of this, I am requesting a thorough verification of the documents I submitted to resolve the matter once and for all.

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 2025-01-31 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was extremely frustrated to discover an unauthorized inquiry on my credit report today with no explanation. I check my report routinely, and this time, I noticed discrepancies that werent there before. Hoping it was just a temporary error, I refreshed my browser multiple times, but nothing changed. This needs to be fixed immediately! I expect my documents to be reviewed thoroughly so I can finally have peace of mind.

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 2025-01-31 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: OK

Complaint narrative:
Ive 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 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please investigate the bankruptcy public record reporting on my credit profile. The record is reporting inaccurate and claiming to be verified, but only through third party agencies rather than the court. This information is false reporting and should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please investigate the bankruptcy public record reporting on my credit profile. The record is reporting inaccurate and claiming to be verified, but only through third party agencies rather than the court. This information is false reporting and should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
Subject : URGENT DISPUTE DEMAND DELETION OF FRAUDULENT XXXX ACCOUNT ( XXXX ) VIOLATIONS OF FCRA 607 ( b ), TEXAS FINANCE CODE 392** To Whom It May Concern : I demand the immediate deletion of the fraudulent XXXX  account ( XXXX ) from my TransUnion and XXXX credit files. This account contains provably false future-dated entries and violates federal and Texas law . Failure to comply will result in legal action for statutory damages. 

Critical Errors & Violations Future-Dated Entries : Date Opened : XX/XX/XXXX 2024 ( impossible, as todays date is [ current date ] ). 

Last Reported : XXXX 2024 ( future dates ). 

Payment History : Shows OK and 30/60 Days Late payments for XX/XX/XXXX2024 to XXXX 2024dates that have not yet occurred. 

Inconsistent Reporting : Terms : 24 months ( TransUnionXXXX XXXX vs. 0 months  ( XXXX ) XXXX 

Date Last Active : XXXX/2024 XXXX XXXX XXXX XXXX XXXX/2024 ( TransUnion ). 

FCRA 611 ( c ) Violation : If previously deleted and reinserted, you failed to notify me in writing within 5 days.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresenting debt details ( e.g., future dates, conflicting terms ).

Legal Demands Permanently delete account XXXX  within 5 business days**.

Send written confirmation of deletion and revised credit reports.

Cease unlawful reporting of this fraudulent account.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the 2023 CFPB Consent Order against TransUnionXXXX XXXX 

Texas Attorney General Complaint : Under Texas DTPA ( statutory damages up to {$20000.00} ).

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ). 

Contact Information Phone : XXXX Email : XXXX CC : CFPB, Texas Attorney General 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 2025-01-31 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
The XXXX XXXX XXXX XXXX  against me is a result of fraud and identify theft. Transunion, please help resolve this matter because I have already tried XXXX XXXX XXXX XXXX as I explained above in attached consumer financial protection bureau complaint I recently filed. 
Please carefully read the details I wrote in my CFPB complaint. XXXX XXXX XXXX claims I lived in their building The XXXX in XXXX, XXXX  from XX/XX/XXXX to XX/XX/XXXX. It seems someone stole my identity and signed a rental contract XXXX them in the past fraudulently XXXX my identity. I have never lived in XXXX, XXXX  or any of XXXX XXXX XXXX buildings in my life. I have lived at my condo in XXXX XXXX, XXXX  since XX/XX/XXXX till current the whole time. Here in this folder is all the proof in the world to support my claim. In order as it appears in this folder I have supplied : -identity theft report -consumer financial protection bureau claim -copy of my XXXX  Drivers license -title transfer and deed proving that I bought the condo in XXXX XXXX, XXXX  XXXX XX/XX/XXXX that I have lived in from XXXX XXXX current and also XXXX different utility bills and auto insurance after that all in the same address in my name in my XXXX  home during the exact same dates and timeline that XXXX XXXX XXXX falsely claims I lived in their apartment building XXXX  XXXX in XXXX XXXX. 

I have supplied all this info and documents to XXXX XXXX XXXX XXXX XXXX  ago as soon as I became aware of this fraudulent collection and they made no effort to resolve this issue. I am a victim of identify theft and fraud has been committed in my name without my will and without my knowledge. I am going above and beyond giving Transunion all the proof and more. 

Please help and please remove the collection from XXXX XXXX XXXX from my credit report. It is absolute fraud. 

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 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint against FIG Loans Texas LLC concerning a collection charge-off inaccurately reported on my credit file. Below are the details of the disputed account : Creditor : FIG Loans Texas LLC Date of Charge-Off : XX/XX/year> I have previously disputed this debt with the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX but they have failed to take corrective action. Furthermore, FIG Loans Texas LLC has not provided verification of this debt despite my requests, in direct violation of both federal and Texas state laws governing debt collection and credit reporting practices. 

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request verification of an alleged debt. FIG Loans Texas LLC has failed to comply with this requirement while continuing to report this debt to credit bureaus. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), any information that is inaccurate or can not be verified must be corrected or deleted from credit reports after investigation. 
Texas State Violations : Under Texas Finance Code, Section 392.202, I am entitled to dispute any debt reported on my credit file and require verification. Creditors must validate the debt or cease reporting it. FIG Loans Texas LLCs continued reporting without verification constitutes a violation of this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I DO NOT RECOGNIZE THESES ADDRESSES PLEASE REMOVE FROM MY CREDIT REPORT. 

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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2025-01-30 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: IL

Complaint narrative:
I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

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 2025-01-31 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly Investigate my disputes regrading 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 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof of investigation. Accounts are listed below. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$6700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$110.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I recieved and email from experian stating I didnt send them the idtheft report or the police case number which I did they still havent corrected anything inquiries are still on report they arent doing anything, when I went to XXXX I cant even get my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
XXXX XXXX {$2100.00} no knowledge of this account.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : XXXX. XXXX XXXX XXXX ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 
XXXX. XXXX XXXX XXXX : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
XXXX. XXXX XXXX XXXX ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 
XXXX. XXXX XXXX XXXX ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
XXXX. XXXX XXXX XXXX : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps XXXX is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief