vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally address concerns regarding XXXX 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : 1. 15 U.S.C. 1681c This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If XXXX has reported any information beyond this time frame, it is in violation of this statute. 

2. 15 U.S.C. 1681b This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, XXXX is not in compliance with this provision. 

3. 15 U.S.C. 5802 As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that XXXX is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps XXXX will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX Addresses Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX ) XXXX Negatives XXXX XXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX Date : XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXX XXXX Date : XXXX 5. XXXX - XXXX XXXX Date : XXXX 6. XXXX XXXX XXXX Date : XXXX 7. XXXX XXXX XXXX Inquiry Date : XXXX 8. XXXX XXXX XXXX Inquiry Date : XXXX 9. XXXX XXXX XXXX Date : XXXX 10. XXXX BANK XXXX Date : XXXX 11. XXXX XXXX XXXX Date : 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 2025-01-29 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:
To Whom It May Concern, I am writing to formally address concerns regarding XXXX 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : 1. 15 U.S.C. 1681c This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If XXXX has reported any information beyond this time frame, it is in violation of this statute.

2. 15 U.S.C. 1681b This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, XXXX is not in compliance with this provision.

3. 15 U.S.C. 5802 As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that XXXX is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps XXXX will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX Addresses Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX number XXXX ) XXXX Negatives XXXX XXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX Date : XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXX XXXX Date : XXXX 5. XXXX - XXXX XXXX Date : XXXX 6. XXXX XXXX XXXX Date : XXXX 7. XXXX XXXX XXXX Inquiry Date : XXXX 8. XXXX XXXX XXXX Inquiry Date : XXXX 9. XXXX XXXX XXXX Date : XXXX 10. XXXX XXXX XXXX Date : XXXX 11. XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear credit bureau I am writing to formally dispute the reporting of an account on my credit report from web bank XXXX web bank that has been sold to XXXX XXXX XXXX. The account number associated with this debt is XXXX. 

Upon reviewing my credit report, I noticed that Original Creditor is still reporting this account, despite the fact that it has been transferred to Debt Collector Under the Fair Credit Reporting Act ( FCRA ), once a debt is sold, the original creditor should no longer report the account as active. 

I have attached copies of documentation that support my claim, including [ provide details of any supporting documents, such as the debt validation notice from the collector, a letter confirming the debt was sold I kindly request that you investigate this matter and update my credit report to reflect the accurate information. Please confirm the results of your investigation in writing. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
From its initial Creation of the contract on The 2005 XXXX XXXX, Credit acceptance applied Bad faith price gouging. At this point and time I have paid for the truck twice, and they are attempting to make me pay for it a third time. Credit acceptance has targeted me with a contract that was unfair and deceptive setting me up to fail. They have hidden from me The True cost of the amount due. I sent 2 Certified mail correspondences kindly asking them in Good Faith to verify and clarify their contract. I never received a response. They ended up ignoring my request and towed/Stole my truck. I have put over {$10000.00} of my hard earned money into that truck, only for them to sell it for less than XXXX dollars. I really just want my truck back so that I can continue on my journey of the pursuit of happiness. If I can't have my truck back I would like all of my funds returned. Thank you guys for all that you do, and may ye all be blessed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

Transunion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
To whom it may concern, A debt collection agency by the name of Aldous & Associates has been contacting me via phone, email, mail, and text to collect a debt that has been dismissed as fraudulent for over a year. Disputes were filed with all of the credit agencies that were approved and the collection removed from my report once their reviews were completed. Despite my informing the collection agency that the debts were confirmed as fraud and removed from my reports they continue to contact me attempting to collect the debt that I do not owe. These continued contact attempts have lead to this formal complaint being filed. This agency is unprofessional and refuses to listen to any information provided to them and they continue to cross the line with attempting to collect the funds that they seem to think I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from company information Equifax. Please delete the following 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/ XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Fay servicing is trying to collect an extra XXXX for the year from me. I have recording of them saying if I have a zero escrow balance I would be back on principle and interest only. Then they changed their minds and put me on principle, interest, taxes, and insurance. They they pull this XXXX out of thin air. I tried calling I just get transferred around. I say supervisor I get a voicemail, and no return call. I get hung up on repeatedly. I have recordings of all this. Then I got to fill out request to the escrow team for analysis. No body to talk to there. That takes a week. 
They give me the run a round so now my payment is late. It's a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies. 

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
XXXX DISPUTED XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION THIS WAS DONE THROUGH XXXX XXXX 2022 XXXX CXXXX XXXX XXXX DISPUTE XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBAL FROM CREDIT BEREAU OR XXXX OR XXXX XXXX. 
XXXX DISPUTE CREDIT ACCEPTANCE, XXXX XXXX AND XXXX XXXX XXXX XXXX. I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBALLY FROM CXXXX XXXX  XXXX XXXX OR XXXX XXXX AXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

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