vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I just checked my credit report and was shocked to find a collection account I dont recognize. I truly believe this is inaccurate information. I've been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits also preventing me from accessing the credit I need, making things even more difficult. 

I feel overwhelmed and unsure of what to do next. Im reaching out for your help in removing this fraudulent account. Any support you can provide would mean so much to me. XXXXXXXX XXXX  and 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 2025-03-19 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:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

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

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Access Receivables of NC Inc.
State: MA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of collections on an account that has no information whonwhat or why the collection is there. The amount of the Collection was for XXXX dollars the only info is a address Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the validity of this collection,. If unable to furnish such proof, I demand that these payments be promptly updated and deleted to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
Subject : Formal Dispute Fraudulent Account ( XXXX XXXX XXXX ) Dear Equifax Dispute Department , I am writing to formally dispute the reporting of an account under the name XXXX XXXX XXXX on my Equifax credit report. This account is not mine, and I am a documented victim of identity theft. My personal and financial information was compromised while I was XXXX  for several yearsXXXX XXXX XXXX XXXX XXXX During this time, fraudulent accounts were opened in my name without my consent. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I am exercising my right to dispute this inaccurate information. Additionally, pursuant to 15 U.S.C. 1666b, a creditor can not report false or fraudulent information, and Equifax is required to conduct a proper reinvestigation. Furthermore, under 31 U.S.C. 5118, any contract made under fraudulent circumstances holds no legal weight and can not be enforced. 

I formally demand the following actions be taken immediately : 1. Permanent Deletion of the Fraudulent Account Remove XXXX XXXX XXXX from my Equifax credit report as it was fraudulently opened without my consent. 

2. Compliance with FCRA Reinvestigation Requirements Provide me with documentation verifying how this account was authenticated and why it was allowed to be reported under my name. If proper verification can not be provided, it must be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Notification to Other Credit Bureaus Notify XXXX and XXXX of this dispute and deletion per 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

4. Written Confirmation of Deletion I request a written statement confirming the permanent removal of this fraudulent account within 30 days, as required by the FCRA.

Enclosed, I have attached a copy of my FTC Identity Theft Report, a police report ( if applicable ), my drivers license, and proof of residence to validate my identity and substantiate this dispute. 

Failure to comply with my request may result in legal action being taken to enforce my rights under federal consumer protection laws. I expect a timely resolution and will follow up accordingly.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-03-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-19 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:
Experian : PRESIDENT TRUMP EXECTIVE ORDER, unlawful credit reporting with out my consent. under executive order <debt collection agencies CAN NOT legally furnish or report any derogatory information without explicit consent I HAVE NOT CONSENTED. 
Please respond through the CFPB your letter you send do not state case number or any identify files

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 2025-03-19 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: TX

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report, and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these Negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 6802- I have the right to opt out of any information shared to a financial institution directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2025-03-19 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 been a victim of fraud. Thankfully a lot of the accounts were {$0.00} balance meaning the suspect couldn't steal as much as he thought he would from me. I am now following my recovery steps. To begin on XX/XX/XXXX a XXXX XXXX XXXX account was opened and reported {$20.00} balance. On XX/XX/XXXX a XXXX XXXX  account was opened and reported {$0.00} balance. On XX/XX/XXXX a XXXX XXXX account was opened and reported {$0.00} balance on the account. On XX/XX/XXXX a XXXX XXXX XXXX account was opened and reported a {$0.00} balance. On XX/XX/XXXX XXXX XXXX opened a collections account reporting {$540.00}. I have reason to believe " XXXX XXXX  '' is from a XXXX  XXXX XXXX XXXX that was opened fraudulently and i also disputed in the past. The reason is because they both reported the exact same balance.

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 2025-03-19 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:
Subject : Formal Dispute of Fraudulent Account Demand for Permanent Deletion Dear Equifax Dispute Department, I am formally disputing an inaccurate and fraudulent account that is currently reporting on my Equifax credit file under the name District Attorney with a balance of {$15000.00}. This account is not mine, and I demand its immediate removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and 31 U.S.C. 5118. 

Legal Basis for Dispute & Removal 1. Unverifiable Information ( 15 U.S.C. 1681i ) As per FCRA guidelines, Equifax is required to verify the accuracy of any reported information within 30 days. If the furnisher of this account can not provide sufficient documentation proving my liability for this debt, it must be deleted permanently from my credit file.

2. Fraudulent Account Due to Identity Theft ( 15 U.S.C. 1681c-2 ) This account was fraudulently placed on my report, violating my consumer rights. Given the circumstances, Equifax is required to block this information from my credit report without delay.

3. Violation of 31 U.S.C. 5118 As per 31 U.S.C. 5118, no entity may force or assume a debt obligation on behalf of a consumer without their explicit and lawful consent. This fraudulent entry on my credit report is a direct violation of my rights, and I demand that it be removed immediately.

Requested Resolution Delete the fraudulent District Attorney account from my Equifax credit file immediately.

Provide me with written confirmation that this account has been removed. 

Ensure that this information is not reinserted into my credit file without strict compliance with 15 U.S.C. 1681a-5.

Send an updated copy of my credit report reflecting this correction. 

Failure to comply with these legal obligations may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal remedies. I expect a written response confirming the deletion of this fraudulent account within the legally mandated timeframe.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
The total amount and date from XXXX XXXX XXXX XXXXXXXX not righ didnt match and the time i have service from them i do have dental insurance some cover the last appoinment from them i pay and the total last i spoke from them my final to be fully paid 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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
To whom it may concern Account name : US Dept of Education Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am reporting this account as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Firstly, I was double charged by XXXX and I told them about and they said it was because a reverse payment in XXXX. Remind you its XXXX. They also charge me a late fee. I told them I will not be paying for. Mind you Ive been a loyal customer of XXXX years, never missed a payment, I actually paid the bill that was due in XXXX, I just wouldnt pay the double charged. I called to talk to a manager, got a hold of her, and was told that Id receive a call to fix it a week later, never got the call. Then I messaged customer service. They agreed that I shouldnt have been charged, but that I still had to pay it. I told them im not paying the extra charge or the late fee. So they dropped the late fee. But still tried to make me pay the double charge. I told them I wanted to cancel my line because of the lackluster support. It was all about money and not customer loyalty. So they dropped the line. Never told me Id have a debt collector harassing everyday asking for money, or that Id need to pay anything before dropping said line. They sent my return papers and that was the end of that. Now my credit score has dropped XXXX points because of this falsity and lack of communication. They also asked me to talk with my bank and my bank said they saw nothing on there side of a reverse payment. This should have been a dispute between XXXX and my bank, but no the easier route is to pick on the loyal customer and force money from the consumer when theyve paid every month on time. Lastly, Ive already returned their equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation