vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
IQ data stated in previous complaint that my account was assigned to them in XX/XX/XXXX, which is inaccurate. I have the first letter from them ( IQ Data ) dated XX/XX/XXXX. In XX/XX/XXXX I received a letter that has all my charges listed and rent is not one. The total for charges shows {$690.00} total for damages, eviction/attorney, and late payment fee. It wouldnt be a late payment fee of XXXXXXXX XXXX only if my rent wasnt paid. One of the damages dated XX/XX/XXXX went from XXXX as the original amount to XXXX as the balance due. The notice in XXXX says Your outstanding principal balance will accrue interest at a rate of XXXX percent per annum. The amount increased at an 885.714 % from the time I moved out on XX/XX/XXXX to XX/XX/XXXX. This company is report false information and is reporting to my credit report. As stated previously my rent is not listed as a charge. According to CT law if the landlord deducts any portion of the deposit for damages, they must provide the tenant with a written itemized list of deductions, including the estimated cost of repairs or replacement, within a 30-day period. The only notices received were from IQ Data starting XX/XX/XXXX and the so called itemized list of deductions is dated XX/XX/XXXX. I will like for this to be resolved by deducting {$690.00} as quoted from my security deposit and also this false account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
This is a follow-up to my original CFPB complaint # XXXX Experian has responded by falsely claiming that someone else submitted the dispute on my behalf and therefore they are refusing to investigate the issue. This is completely inaccurate. I personally submitted the dispute and have attached my government-issued ID and proof of address to confirm my identity. 

I also filed a complaint with the XXXX XXXX XXXX ( XXXX  Complaint # XXXX regarding this same issue. 

Furthermore, I received an email from Experian stating they would take no further action, which I am also attaching. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires them to conduct a proper investigation regardless of how they received the disputeas long as it came from me and includes proper documentation. 

I am requesting that the CFPB ensure Experian completes a full and lawful reinvestigation of this dispute and provides a proper resolution. They should not be allowed to avoid their legal obligations based on a bad-faith claim of unauthorized submission. 

I am filing this complaint against Experian regarding an account reported by XXXX ( Account # XXXX ). 
I have previously disputed this account with Experian multiple times, both online and by mail, requesting proper verification under the Fair Credit Reporting Act ( Sections 609, 611, 604, and 602 ). Despite these disputes, Experian has continued to report inaccurate and unverifiable information regarding the account. 
Specific violations include : Continued reporting of balance updates despite account closure, suggesting unlawful re-agi

ng ( FCRA 623 ( a ) ( 5 ) ). No verifiable original signed contract was pr
ovided in response to my disputes ( FCRA 609 ( a ) ( 1 ) ).

Inconsistent reporting regarding balance dates and status updates ( violating FCRA 602 ( b ) ).

Failure to conduct a reasonable investigation of my dispute ( violating FCRA 611 ( a ) ( 1 ) ). 
Experian has had multiple opportunities to verify this information accurately and has failed to do so. As a result, they are knowingly harming my credit profile with unverifiable and inaccurate data. 
Requested Relief : I respectfully request immediate permanent deletion of the XXXX account from my Experian credit report. 
I am attaching evidence of my prior disputes, Experians refusal responses, and copies of 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 2025-05-08 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: IL

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}

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 2025-05-08 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: IL

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
This is my second formal notice demanding that you take immediate action to remove all fraudulent accounts and unauthorized hard inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 605B, which provide protection for victims of identity theft and inaccurate reporting. 

These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
This is my second formal notice demanding that you take immediate action to remove all fraudulent accounts and unauthorized hard inquiries from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 605B, which provide protection for victims of identity theft and inaccurate reporting. 

These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

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 2025-05-08 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), Experian legally required to complete my investigation within 30 days. As of today, the legally mandated timeframe has passed, and I have yet to receive confirmation of the investigations completion or any correction to my credit report. I have sent over three letters, and any resolution was set. 
Here are the incorrect information : XXXX XXXX XXXX  Date of request XX/XX/year> Account name XXXX  Date of request XX/XX/year> Account name XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  Date of request XX/XX/year>

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is a legal obligation imposed by a court and does not meet the definition of credit as outlined under federal law. Therefore, its inclusion on my credit report misrepresents the nature of my credit history

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 2025-05-08 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: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through XXXX XXXX in XX/XX/XXXX. The vehicle was repossessed in XXXX, after I had paid a total of {$31000.00} toward the loan. I was later notified by BQ & Associates that a deficiency balance of {$10000.00} remained. According to the documents I received, the vehicle was sold at auction for only {$6900.00}, which is far below fair market value. This unfair sale price significantly inflated the deficiency balance. 

In XX/XX/XXXX, I sent certified dispute letters to both XXXX XXXX and BQ & Associates requesting validation of the debt, including a breakdown of the balance, proof the vehicle was sold in a commercially reasonable manner, and evidence that BQ & Associates had the legal authority to collect the debt. As of today, I have received no response from either company. Despite this, the account continues to be reported to the credit bureaus. 

I believe the deficiency balance is inaccurate and the continued reporting of this account is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Account number : XXXX Subject : Debt Validation Request Dispute of Debt Dear [ Debt Collector 's Name or To Whom It May Concern ], I am writing in response to a collection notice I received regarding an alleged debt with the account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Specifically, I dispute the amount being claimed and the reported open date of this account. I do not acknowledge ownership of this debt and am requesting that you provide the following documentation to verify its validity : 1. The name and address of the original creditor.

2. A copy of the last billing statement from the original creditor, showing the amount due and the date it was due.

3. A complete payment history, including all interest, fees, and other charges added.

4. A copy of the signed agreement or contract that gives you the authority to collect this debt.

5. Proof that you are legally authorized to collect debts in my state. 
Until this information is provided, I request that you cease all collection efforts and remove any related entries from my credit reports. If you are unable to provide sufficient validation, you are required by law to delete this account and cease all further contact. 
Please consider this letter a formal dispute of the alleged debt. I request that all future communications be made in writing only. 
Sincerely, 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
Consumer complaint received 2025-05-08 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number : XXXX Subject : Debt Validation Request Dispute of Debt Dear [ Debt Collector 's Name or To Whom It May Concern ], I am writing in response to a collection notice I received regarding an alleged debt with the account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Specifically, I dispute the amount being claimed and the reported open date of this account. I do not acknowledge ownership of this debt and am requesting that you provide the following documentation to verify its validity : 1. The name and address of the original creditor.

2. A copy of the last billing statement from the original creditor, showing the amount due and the date it was due.

3. A complete payment history, including all interest, fees, and other charges added. 
4. A copy of the signed agreement or contract that gives you the authority to collect this debt.

5. Proof that you are legally authorized to collect debts in my state. 
Until this information is provided, I request that you cease all collection efforts and remove any related entries from my credit reports. If you are unable to provide sufficient validation, you are required by law to delete this account and cease all further contact. 
Please consider this letter a formal dispute of the alleged debt. I request that all future communications be made in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past 7 years been told I already had a account and I dont have access to it and cant open a new one .. charges was pending for 6 months and coved it up.. I havent had cash app since XX/XX/XXXX but money stolen out my XXXX XXXX account and how when I dont have a cash app account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number last four : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  XXXX Account # : * * * * date opened XX/XX/XXXX bal. {$5600.00}, XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$4500.00}, XXXXXXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$3700.00}, XXXX XXXX XXXX Account # XXXX * XXXX * * date opened XX/XX/XXXX bal. {$3300.00}, XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * date opened XX/XX/XXXX bal. {$3200.00}, XXXX Account # XXXX * * * * * date XXXX XX/XX/XXXX bal. {$3000.00}, XXXXXXXX XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2600.00}, XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXXXXXX XXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX * * * * * date opened XX/XX/XXXX bal. {$0.00}. XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : 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 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 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 XXXX XXXX XXXXXX/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 2025-05-08 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: FL

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : XXXX CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation