vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
FIRST OF ALL THEY JUST RESPONDED ON XXXX THEY HAD SINCE XXXX SO TO RESPONSE AND ONCE AGAIN THE CREDIT AGENCIES DO WHAT THEY WANT TO DO AND USE THE LAW THE WAY THEY SEE FIT. THEY NEED TO BE ACCOUNTABLE FOR THEIR ACTIONS AND YOU AS CFPB SHOULD HAVE NEVER LET THEM GET AWAY WITH SENDING AN RESPONSE TO MY COMPLAINT OVER 60DAYS LATER WHEN INFACT ONE OF THE QUESTIONS THAT WE MUST CHOOSE FROM WHEN FILING THIS COMPLAINT IS DID THE INVESGATIONS TAKE MORE THEN 30 DAYS!!! BIG ISSUE ACCORDING TO THE LAWS AND MY CONSUMER RIGHTS, HOW MUCH LONGER WILL CFPB ALLOW THESE THIRD PARTY AND CREDIT AGENCIES TO GET AWAY WITH NOT GOING BY THE LAW OR CONSUMER RIGHTS YOU AS THE CFPB ARE SUPPOSED TO BE HERE FOR THE CONSUMER WELL I THINK YOU HAVENT BEEN HERE FOR ME ESPECIALLY WHEN YOU ALLOW THEM 60 PLUS DAYS TO DO WHAT THEY WANT AND THEN THEY STATED I WILL GET MY INFO IN THE MAIL 7 TO 10 LATER THIS IS A BUNCH OF XXXX AND YOU AS THE CFPB ALLOW THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have dispute with experian multiple times regarding debt with XXXX revenue. Even the collection company sent a letter saying they can not verified debt and it should be removed but after disputing with Experian multiple times they saying its accurate and verified

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation
State: TX

Complaint narrative:
This agency is violating my rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts as soon as possible.

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 2025-04-23 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was scammed on cash app and never received any help or cal back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX Revolving Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX  Revolving Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$110.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$2500.00} Account utilization : 0 % | Excellent XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Original Balance {$4200.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$17000.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$4200.00} XXXXXXXX XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$350.00} XXXX XXXXXXXX XXXX AUTO_LEASE Balance {$0.00} Original Balance {$11000.00} DEPT OF ED EDUCATION_LOAN Balance {$8100.00} Original Balance {$4200.00} DEPT OF ED EDUCATION_LOAN Balance {$24000.00} Original Balance {$17000.00} DEPT OF ED/XXXX XXXX_LOAN Balance {$26000.00} Original Balance {$12000.00} DEPT OF EDXXXX XXXXLOAN Balance {$24000.00} Original Balance {$12000.00} DPT ED/XXXX XXXX - Student Loans Balance {$15000.00} Original Balance {$8500.00} DPT EDXXXXXXXX XXXX - Student Loans Balance {$26000.00} Original Balance {$12000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$26000.00} DEPT OF ED/XXXX Installment Balance {$24000.00}

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Cavalry Portfolio Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX RE : Cease and Desist Request Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing in reference to your attempts to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am formally requesting that you cease all communication with me immediately regarding this matter.

According to the FDCPA, once a written request to cease communication is received, a debt collector may not contact the consumer again except to : Advise that further efforts are being terminated ; or Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked.

Unless you are taking one of the two actions noted above, you are legally prohibited from contacting me further in any form including phone calls, letters, emails, or text messages.

Please treat this letter as my official notice to cease and desist from any further communication.

Failure to comply with this request will be considered a violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I will also consider pursuing legal action as appropriate.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX reference number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a violation.

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 2025-04-23 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld is reporting on my credit report that I owe XXXX XXXX {$850.00} for an account for services at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. I do not live in XXXX XXXX. I am a resident of XXXX XXXX. Before I lived in XXXX XXXX  I was a resident of XXXX XXXX XXXX. I asked for an investigation within 30 days with proof that the debt belongs to me. I also asked that the collection be removed from my credit report until it is proven that it belongs to me. They have done neither of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-23 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I have decided to invoke my rights under the FCRA, primarily 15 USC 1681-2 ( a ) and ( c ), also FCRA regulation 15 USC 1681-B. I am demanding the immediate removal of the accounts listed in this report about my credit report. These accounts were added without my written consent, thus violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without my direct authorization. The lack of my consent now renders these listings both unauthorized and potentially indicative of identity theft. So, I'd like to ask for the prompt deletion and permanent removal of ALL the referenced accounts in this claim. Additional Unauthorized Hard Inquiries : 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 2025-04-23 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: TX

Complaint narrative:
When I reviewed my credit report today, I was surprised to see inaccurate accounts listed, and I don't know how they appeared. I double-checked by refreshing my browser, assuming it could be a minor error, but nothing changed. As a result, Im asking for a detailed review of my submitted paperwork so I dont have to deal with this concern again.

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 2025-04-23 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 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:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didn't have the ability to open them on his own but I never gave him permission to open these. I want these taken from my credit because they are not my accounts, my cousin has returned back to XXXX and I am unable to contact him to resolve this. Please get this fixed asap as it is destroying my credit, and these are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didn't have the ability to open them on his own but I never gave him permission to open these. I want these taken from my credit because they are not my accounts, my cousin has returned back to XXXX and I am unable to contact him to resolve this. Please get this fixed asap as it is destroying my credit, and these are not my accounts.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'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 2025-04-23 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-04-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've tried XXXX different phone numbers for Experian. The few staff I was able to reach immediately sent me back to an endless loop automated system with no representatives. From what I've read, this is an ongoing frustration for people dealing with Experian. However, for my specific issue, I NEED to speak with a real person because my account was fraudulently linked to a hacker & it sends my recovery requests out to them instead of me. My personal information remains at risk & I have no chance to recover, monitor or stop it until I can speak to a real person. 

These were the phone numbers I tried. 
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