vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
XXXX. XXXX XXXX stated that i purchased a pick up truck and faile to make payments. 
2. After few years of this identity theft that had occurred and someone had purchased this truck with my personal information, XXXX finance and their attorneys MacDowell & Associated Ltd fabricated false affidavit of service and filed a XXXX of XXXX on my primary residence property owned by me in XXXX XXXX. 
3. I spoke with Macdowell & Associated after finding out about this case from my mortgage title company, this law firm was unable to provide any proof that this was done by me nor they had any information as where this truck is and how this occured. 
4. I filed a police report and FTC report claiming that this is identity theft and tried to clear my name with the credit bureaus. 
XXXX. Finally, XXXX and MacDowell Associates LTD, threatened me over the phone and were forcing me to give them the location of the truck. I do not have any idea what and where this truck is nor what model pick up truck it is, but in any case the judgement amount is also some how fabricated or claimed falsely i never see a truck worth this much money sold by XXXX in my life. {$180000.00} is the judgement amount. 

XXXX and this lawfirm have violated my rights and presented fraud fabricated documents to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: T.S. Holdings
State: GA

Complaint narrative:
Re-Aging Violation : The account has a balance update date of XX/XX/year>, which is improper re-aging under FCRA 623 ( a ) ( 5 ). No new payment, promise to pay, or contractual change was made to justify restarting the reporting period.

Incorrect Balance Reporting : The balance increased from {$1500.00} to {$1600.00} without providing any documentation or lawful basis. This violates FCRA 623 ( a ) ( 1 ) ( A ).

Inaccurate Payment History (XX/XX/XXXX Violation ) : This account is improperly reporting continuous monthly delinquency like an installment loan, rather than as a one-time collection, which is misleading and inaccurate under FCRA 602 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-27 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: FL

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/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
These accounts are currently being reported as if they are active and impacting my current payment history, but these account are closed.Closed accounts shouldnt be reporting monthly if their closed so I need tham to be removed for current payment history since they are closed

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint against DISCOVER BANK ( Account # XXXX ) for inaccurately reporting a charge-off account on my credit report. I dispute the payment history and charge-off status associated with this account, as they do not accurately reflect my actual payment activity. The reported payment details and charge-off designation appear inconsistent with my records, and I question the validity of the information provided by DISCOVER BANK to the credit bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), DISCOVER BANK is required to report accurate information and conduct a reasonable investigation when disputed. I believe the reported charge-off and associated payment history are erroneous, and their presence on my credit report is causing significant harm to my creditworthiness. I am filing this complaint with the CFPB to ensure DISCOVER BANK conducts a thorough investigation and corrects these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX BANK XXXX XXXX Account # XXXX ) for inaccurately reporting a late payment on my credit report for XX/XX/year>. I dispute this entry, as I have no recollection of missing a payment for this account during that period, and my records indicate consistent on-time payments. This is the only reported instance of a late payment on this account, which is inconsistent with my payment history. I believe this derogatory mark is erroneous and does not reflect my actual payment activity. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX BANK XXXX XXXX XXXX to report accurate information to credit bureaus and conduct a reasonable investigation when disputed. I have previously attempted to resolve this issue, but the inaccurate late payment remains on my credit report, causing potential harm to my creditworthiness. I am filing this complaint with the CFPB to ensure a thorough investigation and correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
Mohela. Can not get in touch with them. On hold far too long. They trashed my credit report. They made no attempt to get back in touch with me. They are horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

CLOSED ACCOUNTS : 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 UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

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

CLOSED ACCOUNTS : 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 UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
I recently came across the cfpb Experian lawsuit. 

My credit is being negatively impactedall XXXX of credit reporting agencies XXXX XXXX and of courseExperian, which is hurting my chances at getting approved for credit after receiving a response to my earlier disputes that have been submitted coming back that the accounts have been

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 2025-04-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CA

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


CLOSED ACCOUNTS : XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXXF # XXXX XX/XX/XXXX -- {$50.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$17000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian

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 2025-04-27 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: CA

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


CLOSED ACCOUNTS : XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXXF # XXXX XX/XX/XXXX -- {$50.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$17000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian

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 2025-04-27 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: NY

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

CLOSED ACCOUNTS : 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 UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC Account Number : XXXX Re-Aging Violation ( FCRA 1681c, 623 ( a ) ( 5 ) ) - The account lists an open date of XX/XX/XXXX, yet reflects delinquency as early as XX/XX/XXXX. This inconsistency suggests unlawful re-aging of the debt, which inaccurately extends the reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I never received the vehicle that is apparently in my name or any kind of money associated with the loan. Upon further investigation, it seems that a dealership was making payments and that dealership is no longer in business. I'm working to resolve this issue with creditors and ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I never received the vehicle that is apparently in my name or any kind of money associated with the loan. Upon further investigation, it seems that a dealership was making payments and that dealership is no longer in business. I'm working to resolve this issue with creditors and ftc.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I never received the vehicle that is apparently in my name or any kind of money associated with the loan. Upon further investigation, it seems that a dealership was making payments and that dealership is no longer in business. I'm working to resolve this issue with creditors and ftc.

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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account Credit Collection Services XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # as soon as possible from my report or I will have to take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are currently being reported as if they are active and impacting my current payment history, but these account are closed.Closed accounts shouldnt be reporting monthly if their closed so I need tham to be removed for current payment history since they are closed

Company response to consumer: Closed with non-monetary relief