vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Unauthorized Addresses, Phone Numbers, and Hard Inquiries Dear TransUnion I am demanding the immediate removal of all unauthorized addresses and phone numbers from my credit file that do not match my current and only valid address : XXXX XXXX XXXX, XXXX, AL XXXX. I have previously requested this correction, yet the inaccurate information remains. This is unacceptable, and I expect prompt action. 

Additionally, I have been a victim of identity theft and have not authorized the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for credit with any of these entities. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies may only list inquiries from companies with a legally permissible purpose. Since I did not authorize these inquiries, they must be removed immediately.

Furthermore, under 15 U.S.C. 1681c, credit bureaus are required to remove inaccurate or fraudulent information upon dispute. This is my formal demand to : 1. Immediately remove all addresses and phone numbers that are not XXXX XXXX XXXX, XXXX, AL XXXX. 


2. Immediately remove all unauthorized hard inquiries listed above.

If these items are not removed without delay, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I will also explore legal action for any violations of my rights under the FCRA.

This is not a requestit is a formal demand for immediate action. I expect written confirmation once these items have been permanently removed from my credit file. You may send confirmation to my email at XXXX. 

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 non-monetary relief
Consumer complaint received 2025-04-06 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: GA

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Synovus Bank
State: VA

Complaint narrative:
Ive never had an account with this company before and would like to ask for 15 U.S.C 1681 and 15 U.S.C 1681g I would like for the report to be taken of my credit report im not knowledgeable of this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate repossession entry being reported on my credit report by TransUnion. 

The account in question is from XXXX XXXX XXXX XXXX XXXX, and reflects an involuntary vehicle repossession. However, the reporting of this account violates multiple consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) : 1. The balance reported is inaccurate and does not reflect the sale of the vehicle, any credits, or adjustments. This is a violation of FCRA 607 ( b ), which requires maximum possible accuracy in consumer reporting.

2. I did not receive proper legal notice of default, the right to cure, or any post-sale notice of disposition. These are required under UCC 9-611 and 9-614, and the lack of notice renders the repossession process legally defective.

3. I submitted formal disputes to the credit bureau ( s ), requesting verification of the account, including : A signed contract or proof of obligation Complete accounting of the balance Documentation proving proper notice was given Despite my request, the bureau continues to report this account without providing evidence of accuracy or proper process. This is a violation of FCRA 611, which requires deletion of unverifiable or inaccurate information within 30 days.

I am requesting the CFPB to investigate this matter and assist in having this repossession account removed entirely from my credit report due to legal and procedural violations. I am also requesting the credit bureau ( s ) be held accountable for failure to comply with federal consumer protection laws.

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 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I received money from my mortage refinance and wanted to paid my UPSTART Loan in FULL, the amount of XXXX There were 2 checks sent to Upstart. XX/XX/XXXX sent date - This first check was not delivered within one month of sending, so a stop payment was placed on this check # XXXX. 
A second check was then sent on XX/XX/XXXX ( check XXXX ) and was delivered and cleared on XX/XX/XXXX. There was no return of funds to the XXXX XXXX account, but UPSTART shows a XX/XX/XXXX check error and my account still shows I owe them money. 
My escrow XXXX XXXX account shows no returned funds. 
now Upstart sent me to collection and Im missing {$2100.00}, which XXXX XXXX states it was not refunded. 
I have asked multiple times via email and phone calls for a Check number proof and nothing was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My account has incorrect information the account number has XXXX instead of real numbers it says Creditors, if they report your credit history inaccurately. 


Reason : Defamation, financial injury Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX XXXX : Extent of damages incurred by the wronged party as deemed by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and incomplete information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I found the following items to be erroneous and/or unverifiable : XXXX XXXXXXXX XXXX Account XXXX XXXX Inaccurate balance Incomplete payment history Unverified debt Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If you can not verify them with 100 % accuracy, they must be deleted from my report immediately. Additionally, case law supports my position : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Credit bureaus are required to conduct an independent investigation beyond simply relying on the data furnisher.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Credit reporting agencies must remove unverifiable accounts if they can not be substantiated.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) Inaccurate information that can not be verified must be deleted from the credit report.

Pursuant to FCRA 1681s-2 ( b ), data furnishers must also conduct a proper investigation. If they can not verify the accuracy of the accounts, they must request deletion.

I demand that these inaccurate and incomplete accounts be removed from my credit file within 30 days, as required by law. If this matter is not resolved promptly, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and take legal action if necessary.

Please provide written confirmation once the disputed items have been corrected or deleted. Additionally, send me an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely,

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
A Bill of Exchange was received but not honored by the trustee, Capital One. The original bill of exchange has not been returned to me, the beneficiary, nor has any explanation of errors been provided. The payment coupon slip is payment according to UCC 3-104. Per UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is a discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, a completed 1099-C form has not been received. The Trustee, Capital One, failed to issue correspondence within a reasonable and timely manner.

There was two Bill of exchanges sent to Capital One via Registered Mail. The Bills of Exchange were submitted to Capital One on XX/XX/year>2024, in the amount of {$6800.00} and on XX/XX/year>2024 in the amount of {$4700.00}. 
It is expected that Capital One complies with legal obligations by filing a 1099-C form to discharge the debt. A request for a full accounting activity log was also made, but it has yet to be fulfilled. After confirming receipt of the tender, the account was closed ; however, the beneficiary account did not reflect the amount tendered. The agreement stipulated that the credit line remain open, and the offer was considered accepted upon receipt of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
I am filing a complaint against Equifax for properly failing to properly investigate 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 practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provide consumers with necessary proof of investigation. The accounts that are inaccurate include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I attempted to access my TransUnion credit report and file a dispute regarding inaccurate reporting by XXXX XXXX XXXX XXXX ( XXXX ). Despite entering accurate personal informationincluding the last four digits of my SSN, phone number, and date of birthTransUnions system repeatedly returned an error message stating it could not locate my account. This occurred multiple times between XX/XX/XXXX and XX/XX/year>. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681g ( a ) Requires consumer reporting agencies to provide a consumer, upon request, all information in their file at the time of the request.

15 U.S. Code 1681i ( a ) Grants consumers the right to dispute inaccurate information and requires agencies to conduct a reasonable reinvestigation.

15 U.S. Code 1681j ( a ) Guarantees free access to ones credit report annually, and also when an adverse action or inaccuracy is suspected.

TransUnions failure to grant me accessdespite correct and verified credentialsconstitutes unlawful obstruction of my federally protected rights. Furthermore, this is interfering with my ability to dispute inaccurate reporting by XXXX, which I believe is intentionally only reporting to select bureaus to evade consumer disputes. 

I request immediate restoration of access to my file, compliance with the FCRA, and an internal investigation into why my account access is being restricted despite fulfilling all authentication requirements.

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 2025-04-06 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements.

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ). 

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account Number XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you. 

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OR

Complaint narrative:
I am a resident of XXXX XXXXXXXX and took out a loan online from XXXX XXXX, a lender that is not licensed or authorized to operate in XXXX. According to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not permitted to issue loans to XXXX  residents. Despite this, they issued a loan, and now the account has been sent to collections. I disputed the debt, but my dispute was denied. I am requesting that this illegal loan be voided, collection activity cease, and any reporting to credit bureaus be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: DC

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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