vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act XXXX  Account Accounts XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions accurate.

15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2025-05-17 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Wakefield & Associates Debt Collection agency has fraudulently reported that I owe {$1400.00} to the original creditor emergency coverage corporation whom I have never had any type of account or association with. This hit my credit report on XX/XX/XXXX and reducing my credit score almost XXXX points. However it also stated that the account would become delinquent by XX/XX/XXXX but it was already on and hurting my credit report before that! 

This company has not called me, has not sent emails or physical letters to my home to verify any bit of this debt ; which I am already 100 % certain is not accurate. 

I dont believe its a coincidence that during the same time period of XX/XX/XXXX, was when a company that was suppose to help me build my XXXX business online, was hit with legal force because they were committing fraud and I did have to provide information against that company for the litigation. This company ( XXXX XXXX ) was committing consumer fraud and I havent received even half of the {$12000.00} back that they scammed me out of. They are highly intelligent and leverage different connections and entities to remain powerful and hurting others. 

I have called 4 different phone numbers for Wakefield & Associates that have been provided to me; calling repeatedly for MONTHS with no answer. I have tried to request a verification letter for the debt but I have yet to receive the courtesy of speaking with a representative. 

Those phone numbers are ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. 

If you do an online search, youll also find many other complaints about Wakefield & Associates being a scam. They are criminals! 

This debt IS NOT MINE. Please help us so that these criminals dont have the power to continue hurting me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX Account number XXXX XXXX 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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Formal Dispute of Fraudulent Collection Account Violation of FCRA I am writing to formally dispute the fraudulent collection account reported by Credence Resource Management on my XXXX  credit report in the amount of {$840.00} for an account allegedly opened in XX/XX/year> with XXXX XXXX 

I have never had a XXXX XXXX account, and this collection account is a clear example of fraudulent and inaccurate reporting. Additionally, I previously reported a strange phone number associated with my credit report, which raises concerns about identity theft or unauthorized use of my personal information. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate credit reporting and the removal of any erroneous or fraudulent information. Specifically, the following provisions of the FCRA are being violated : 15 U.S.C. 1681i Failure to properly investigate and correct inaccurate information.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies, including the duty to ensure accuracy. 

15 U.S.C. 1681b Unauthorized access to consumer reports. 

I request that this fraudulent collection account be removed immediately from my credit report and that Credence Resource Management cease and desist any and all attempts pertaining to this debt. If corrective action is not taken, I will pursue further legal remedies, including filing complaints with the Federal Trade Commission ( FTC ) and considering legal action for damages caused by this inaccurate reporting. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting a fraudulent auto loan that I did not authorize, open, or sign for. The account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for {$25000.00}. This account appears on my credit report and is damaging my financial standing and mental health. 

I submitted an official FTC Identity Theft Report ( Report # XXXX ), which includes this account and outlines that this was identity theft. Under 15 USC 1681b ( a ), a consumer reporting agency may only furnish a consumer report with the consumers written instruction or legitimate purpose. Under 15 USC 1681a ( 2 ) ( A ) ( i ), transactions resulting from identity theft must be excluded from a consumer report.

XXXX  reporting of this account violates these statutes, as no permissible purpose existed and the account was not opened by me. I am requesting permanent deletion of the account and all associated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
On XXXX I sent a request for proof of ownership and the purchase agreement for a account that aint mine it was someone elses and included in bankruptcy plus the statute of limitations is past They failed to respond with documents so we will seek legal representation against XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Subject : Dispute of fraudulent Collection Account Due to identity Theft Dear National credit systems, I am writing to formally dispute the validity of the account you have reported under my name and/or social security number, which appears on my credit report. I am a victim of identity theft, and I did not open or authorize this account. 

This account is fraudulent and was opened or incurred without my knowledge or consent. I have filed an identity theft report and am in the process of addressing al unauthorized accounts and inquiries that have affected my credit. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Immediately cease all collection efforts related to this account 2. Remove this account from my credit report with all major credit reporting agencies 3. Provide written confirmation that this account has been closed and deleted due to identity theft Please consider this matter urgent. I expect your written confirmation within 30 days of receiving this response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
b'Recently I did an investigation on my credit report and found several items on there to be inaccurate.\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shalli)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nPlease remove the following items from my credit report, immediately:\n\nEXPERIANXXXXXXXX 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

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 2025-05-17 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: NJ

Complaint narrative:
I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds 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 2025-05-17 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:
On XX/XX/XXXX, I am a victim of identity theft. Fraudulent and unauthorized actions have been carried out using my name, none of which I have authorized. I kindly urge you to treat this as an urgent matter. I request the immediate BLOCKING of all related accounts and activities, as this is fraudulent behavior that needs to be halted without delay. The accounts are : XXXX -Installment Auto Loan - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX -Charge account - Date Opened : XX/XX/XXXX These erroneous accounts on my credit report are causing serious problems for my mental health and financial situation. I strongly urge you to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Issue : TD Bank has locked my account and is holding all my funds for 15 business days without access, making daily living extremely difficult. I am requesting early release of funds and a remote resolution method. 

Details : My TD Bank account ending in XXXX was recently locked and is now scheduled to be closed after 15 business days. I was informed that no money can be released during this time, not even partially. This has left me completely without access to my own funds. 

On XX/XX/XXXX, I made a XXXX trip to a TD Bank branch and was told I could attempt an expedited closure by contacting the fraud department. However, this option offers no guarantee and still requires another in-person visitsomething I can not do due to health reasons. I am currently recovering from surgery, under physician-advised bed rest, and I cant drive due to my post surgery, or get any assistance available. XXXX would have been my way of going if my presence was needed again, but without a card, how can I go? 

This situation has placed a significant burden on me as a single mother. My teenage son relies on XXXX for transportation, and this coming week he will be unable to attend school due to this. I also have no way of paying for daily needs, emergencies, or medical access, as 100 % of my funds are in this frozen account, as I trusted them with everything I have. 

I have asked TD Bank to : Release my funds early, due to documented hardship. 
Offer a secure, remote way to complete the account closure. 

I have not received any resolution, and the bank is refusing to provide any flexibility. There was no prior warning or notice before locking my account, which has compounded the impact. I trusted this institution with my entire financial well-being. 

Requested Resolution : Immediate or partial release of my funds. 
Remote method to resolve account closure without another in-person visit. 

Please investigate this matter urgently. This delay is excessive, lacks transparency, and is placing me and my child in an unlivable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Description of the Issue : Experian is reporting multiple inaccurate items on my credit report in what I believe is willful noncompliance with the Fair Credit Reporting Act ( FCRA 607 and 611 ). Despite submitting multiple disputes, including supporting documentation and a formal Notice of Intent to Sue, Experian has refused to correct the following false information : 1. False 30-Day Late Payment Santander ( XXXX 2025 ) : Experian is reporting a 30-day late payment for XXXX 2025, even though my payment was not due until XXXX XXXX, 2025. I provided documentation showing the due date, yet Experian has not corrected this. This item is not reported as late by XXXX or XXXX.

2. Two Additional False Late Payments : Experian is also reporting two other late payments that are inaccurate and not supported by any factual delinquency on my part. These lates were not present in prior disputes, and their inclusion appears retaliatory or negligent.

3. XXXX XXXX Account Removed Without Cause : Experian has completely removed my XXXX XXXX account, which was in good standing and actively helping my credit profile. The account is still correctly reported on XXXX and XXXX, showing a utilization of 31 %. Its removal from Experian is damaging to my credit file and may indicate discriminatory or punitive action following prior disputes.

These continued inaccuracies even after multiple documented disputes constitute negligence at best, and willful misconduct at worst. The pattern of incorrect derogatory reporting, deletion of a positive tradeline, and inconsistent data sharing appears intentional, especially since Experian has been informed of these issues and continues to ignore their legal obligations.

This situation is causing ongoing financial harm by suppressing my credit score, which affects my access to housing, loans, and essential credit services. I respectfully request the CFPBs intervention to enforce Experians compliance with FCRA, mandate removal of all inaccurate data, and consider penalties for their repeated failure to investigate and correct these errors.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
account number # XXXX is reporting inaccurate information to my credit report, I ask to have the payment history to be removed from my credit reports due to inaccuracy, and code 15 usc 1666b creditor and or company is global lending

Company response to consumer: Closed with explanation