vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
My mother passed away in XXXX. After her death, a debt to XXXX XXXX XXXX appeared on my credit report. I contacted XXXX XXXX XXXX, and they confirmed there was no account in my name and provided no additional details. However, when I contacted the collection agency, they claimed I had opened the account for my mother but could not provide any proof or documentation to support this claim. 

While my mother was hospitalized, I made payments toward her phone bill and mortgage using my debit card. She bought me a phone under her phone plan because i was a dependent, but I never opened the account. I was likely not even of legal age when the account was originally opened. My mother had been an XXXX XXXX  XXXX customer for many years. I believe my payment activity is being misused to falsely assign this debt to me. 

I have disputed the account, and it has been removed from my credit report twice. However, new collection agencies continue to re-age the debt and relist it under new accounts. My mothers probate case is now closed, and I should not be held liable for a debt I did not create or authorize. This is a misrepresentation and a possible violation 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
b'I was going through switching jobs covid-19 license get them renewed had to make appointment several months to obtainXXXX XXXX account XXXX XXXX XXXX  reporting multiple different dates  Saturday XXXX XXXX XXXX also paid as agreed  number  payment XXXX  verified did not show me any documentation consumer did not provide any documentation to me I wrote many letters trying to get it removed the items on my credit report Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this XXXX XXXX XXXX XXXX  send Last payment dateXXXX XXXX XXXX XXXX  # XXXX XXXX date misleading inaccuracy payment dates harming my credit all three bureaus had different dates multiple accounts payments paid as agreed around the covid-19, within 30 days of receipt of this letter. Deferred credit Act in the Care Act when the government extend payments to all Americans affected with during that time I have multiple accounts during XXXX XXXX  that year. XXXX XXXX XXXX Was not a write-off I paid in full it was closed before then they reported it XXXX XXXX XXXXinquiries,  none of my knowledge multiple inquiries in the same day back to back harming my credit hurt me for finances with late payments charge off been paid before getting close and they reported over again put it right back on my credit report over and been denied for credit credit cards bank loannear future, I am planning  to applying for credit and  my attention that  missed  late payment(s) on my credit reports could hurt my ability to qualify.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
The amount of XXXX was frozen on XX/XX/year> it is now XX/XX/year> and they still wont release or close the account so I can get my funds they said it was because of the deposit agreement I would like to know what it was because the only thing that was deposited in was my tax return from turbo tax on same day thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
I am writing to formally request the removal of a derogatory item on my credit report that is directly connected to a period in which I was a XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 605C, consumer reporting agencies are prohibited from including any information in a consumer report that resulted from XXXX XXXXonce a survivor has made a formal request and submitted supporting documentation. 

The item in question is listed below : Account name : XXXX  Account number : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is the result of circumstances beyond my control, involving coercion, manipulation, and exploitation. Pursuant to the National Defense Authorization Act of XXXX, which amended the FCRA to include Section 605C, I am asserting my rights as a survivor and seeking immediate action to block this item 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 2025-05-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next XXXX working days. Let 's keep things running smoothly, shall we? We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was affected by the XXXX Equifax Data Breach and was never given compensation. I was emailed a prepaid card on XX/XX/XXXX at XXXX XXXX, but the card never worked. I reached out on XX/XX/XXXX at XXXX and am still awaiting a response. I received another email on XX/XX/XXXX at XXXX but this card did not work either. I have been unsuccessful at claiming any funds related to the disaster that this unprovoked data breach has caused me and my family. I accrued Out-of-Pocket Losses related to identity restoration and protective services and for the countless hours spent that occurred before or up through XX/XX/XXXX. According to Equifax, I am eligible for the following cash payments up to {$20000.00} for : the time I spent remedying fraud, identity theft, or other misuse of my personal information caused by the data breach, or purchasing credit monitoring or freezing credit reports, up to 20 total hours at {$25.00} per hour. 
out-of-pocket losses resulting from the data breach. 
up to 25 % of the cost of Equifax credit or identity monitoring products I paid for in the year before the data breach announcement. 

Due to the pain and suffering this data breach has caused me and my family as well as never being compensated, I am requesting fair and just compensation before taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Inaccurate information appears on my XXXX credit reports from Experian, TransUnion, and Equifax. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that credit reporting agencies maintain accurate and verifiable information.

Inaccurate Information : Creditor Name : Freedom Mortgage Account XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : The open date on this account show a discrepancy on my report. XXXXXXXX XXXX reported to Experian and Equifax that this account was opened on XX/XX/year>, however, they are reporting to XXXX that this account was opened on XX/XX/year>. Additionally, inaccurate late payments are being reported to the three credit bureaus.

This inaccurate information is being reported by all three major credit bureaus, causing significant harm to my creditworthiness and potential violations of my rights under federal law.

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 2025-05-21 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:
Inaccurate information appears on my XXXX credit reports from Experian, TransUnion, and Equifax. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that credit reporting agencies maintain accurate and verifiable information.

Inaccurate Information : Creditor Name : Freedom Mortgage Account XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : The open date on this account show a discrepancy on my report. XXXXXXXX XXXX reported to Experian and Equifax that this account was opened on XX/XX/year>, however, they are reporting to XXXX that this account was opened on XX/XX/year>. Additionally, inaccurate late payments are being reported to the three credit bureaus.

This inaccurate information is being reported by all three major credit bureaus, causing significant harm to my creditworthiness and potential violations of my rights under federal law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Hello, I am writing to bring to your attention an issue with my credit report that I recently discovered. Upon reviewing my credit, I have found several companies listed on my report which i have attached to this application, that I have never had any business with, which apear as hard inquiries causing a negative impact on my credit. As I have not given anyone permission to conduct any kind of business on my behalf, it leads me to believe that my identity has been stolen. 

I have attached a list of the companies in question, along with a copy of my identification for verification of my identity. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I would greatly appreciate it if this issue could be resolved immediately as it is imperative for me to be in the best possible position to provide for my family. I have taken the necessary steps to report this crime and would like to request your assistance in removing these fraudulent accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. I am demanding the company block and remove this fraudulent debt of my consumer report no later than 4 business days after such information i provide XXXX XXXX XXXX XXXX XXXX i have not provided proof under the doctrine estoppel by silence, engelhardt V gravens ( M0281 ) SW715,719 i presume that no proof of the alleged debt, nor therfore any debt, in fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. I am demanding the company block and remove this fraudulent debt of my consumer report no later than 4 business days after such information i provide XXXX XXXX XXXX XXXX XXXX i have not provided proof under the doctrine estoppel by silence, engelhardt V gravens ( M0281 ) SW715,719 i presume that no proof of the alleged debt, nor therfore any debt, in fact 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX, and a collection account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-21 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: UT

Complaint narrative:
XXXX submitting a formal complaint regarding inaccurate and duplicate credit reporting on my TransUnion file. A single {$260.00} account is being reported under XXXX names : XXXX and XXXX, XXXX. Both show identical open dates ( XX/XX/XXXX ), terms, balances, and closure/charge-off date ( XX/XX/XXXX ). 

After I disputed the original XXXX XXXXXXXX account with TransUnion, the name was changed to XXXX, but the payment history, balance, and derogatory remarks remained the same. This appears to be an attempt to avoid correcting the account after a dispute, not a legitimate update. 

This violates the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Failure to ensure maximum possible accuracy 623 ( a ) ( 5 ) : Duplicate tradeline reporting I also received a different update on Equifax, where XXXXXXXX was adjusted positively, proving inconsistency between bureaus. 

I am requesting that TransUnion remove XXXX or both of these tradelines ( XXXX XXXX XXXXXXXX, XXXX ) to resolve this issue.

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 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
XXXX is not removing me from their solicitation calls and says they can only pull my information if I give them my Social Security number. I initially inquired about a loan, and they have called me several times during the day and at my work. I have a a recording where they refuse to remove me from their list and stop contacting me unless I give them my Social Security number.

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 2025-05-21 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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