vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Am writing to request an investigation of the following information that appears on Early Warning Systems consumer report. I have NEVER opened or used the following account number Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I contacted Early Warning Services ( EWS ) by phone on XX/XX/year>, to request a security freeze on my consumer report. I was denied that right. 

The representative XXXX XXXX ) and his supervisor ( XXXX ) misrepresented the law by falsely claiming EWS is not a consumer reporting agency. They stated, We dont report credit, and We dont offer freezes, yet admitted they receive and give information when asked. 

I recorded the full call and am willing to provide it as evidence. It documents multiple violations of my federally protected rights. 

I made this request under FCRA 605A, which grants me the right to place a freeze with any consumer reporting agency.

EWS meets the definition under FCRA 1681a ( f ) : Any person which, for monetary fees or on a cooperative basis, assembles or evaluates consumer information for the purpose of furnishing consumer reports to third parties. 
The information they reportdeposit history, identity risk, account activityqualifies as a consumer report under 1681a ( d ).

The CFPB itself lists EWS as a nationwide specialty consumer reporting agency.

Furthermore, EWS claimed I may have waived my rights through bank agreements. That is unlawful.

Under FCRA 1681u ( e ) : Any waiver of rights under this subchapter shall be void.

I hereby declare : I have never authorized Early Warning Services to collect, maintain, or distribute personal information on me. I am the living person, not a corporate fiction, and I never gave informed consent or received full disclosure. 

I reserve all rights without prejudice under XXXX XXXX. No statements, applications, or agreements shall be construed as a waiver of rights unless made voluntarily, knowingly, and with full disclosure. 

I am requesting : A formal investigation into EWSs refusal to honor my lawful request Immediate enforcement of a security freeze Full disclosure of all data held on me Removal of any unauthorized, unverified, or unlawful information I reserve all legal remedies under FCRA 616, 617 and all applicable contract and commercial law protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
Ability Recovery Services I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provided XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: AmeriCollect
State: IN

Complaint narrative:
Received text stating : " Convenience matters! Pay your bill with Americollect , Inc., a debt collector, quickly at : XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX XXXX Text us at XXXX or Call XXXX XXXX  XXXX XXXX, Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 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:
Im writing regarding an account currently listed on my credit report. Im asking that you certify, in full, that every piece of information tied to this account actually belongs to me.

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 2025-05-14 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: PA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately report the status of a credit account associated with XXXX XXXX XXXX XXXX  account ending in XXXX. 
According to a written confirmation letter from XXXX XXXX dated XX/XX/XXXX, this account was fully settled on XX/XX/XXXX, and has a {$0.00} balance. However, Equifax continues to : Report the account as XXXX XXXXXXXX XXXX XXXX  XXXX ) notations in the monthly payment history through the date of settlement Fail to report the status as Settled or Paid in Full for Less Than Full Balance This inaccurate and misleading reporting violates multiple federal laws and standards, despite clear documentary proof being provided. 

Legal Violations Committed by Equifax : XXXX. FCRA 15 U.S.C. 1681e ( b ) : Equifax is failing to maintain accurate and up-to-date credit information. 
XXXX. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( XXXX ) ( A ) : They have not conducted a reasonable reinvestigation or corrected the disputed errors. 
XXXX. FCRA 15 U.S.C. 1681s-2 ( b ) : The furnisher ( XXXX XXXX ) has already provided updated information, and Equifax has XXXX to reflect it. 
XXXX. FCRA 15 U.S.C. 1681n & 1681o : Their continued failure to correct this issue amounts to willful or negligent noncompliance. 
XXXX. Metro 2 Standards : Equifax is not following the correct coding structure per the XXXX : o Status should be Settled o Balance should reflect {$0.00} XXXX CO notations must cease as of the settlement date XXXX. XXXX 12 U.S.C. 5531 & 5536 : The continued reporting of derogatory data after settlement is deceptive and abusive, harming my creditworthiness. 
Supporting XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX v. Equifax, XXXX. XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXXn, XXXX. XXXX ( XXXX. XXXX. XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American International Finance, Inc.
State: IN

Complaint narrative:
Account was opened XX/XX/XXXX the car was repossessed in XX/XX/XXXX now they have reported on my credit report that they repossessed the car XX/XX/XXXX and XX/XX/XXXX this false reporting has dropped my fico score significantly it is impossible to repossess a car twice this information is incorrect and need corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been served papers on XX/XX/XXXX XXXX from this unauthorized debt collection agency filed XXXX after in a previous compliant this debt collection agency violated all my rights and did not provide a contract between me and the portfolio recovery services bearing my signatures and validation. How much did they pay for such debt. 
RE : Cease and Desist Fraudulent Debt Collection and Identity Theft Allegation Court Case Number : XXXX STATE OF TEXAS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I signed up for a XXXX XXXX XXXX under the premise I could basically get a job in the XXXX XXXX XXXXt after finishing the course and make a good amount of money. I was in a desperate situation and was only working part time and my mother had to co-sign. The disbursement date was XX/XX/2022 and they only gave me a month after I signed for the loan which was in XXXXXXXX XXXX XXXX to cancel, which classes did not even start until XXXX XXXX XXXX I soon realized that it was just a crash course with no real accreditation. The original principle of the loan was a little over {$14000.00} and I have paid a little over {$12000.00} and still owe almost {$5000.00}. I feel like I was extremely pressured into taking out this loan in order to attend this course that feels like it was ultimately just a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-14 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-05-14 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: MA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-14 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: MS

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 -- {$950.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$390.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$690.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$790.00} XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$84.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Professionals, Inc.
State: IL

Complaint narrative:
I received a collection letter today, XX/XX/year> and called the collector at around XXXX pm today and talked to an XXXX. I tried to explain what had happened and she told me to quit repeating myself. And, that, obviously. I don't pay my bills. Which, I consider very disrespectful ashes doesn't k own me or the situation at that time. XXXX XXXX XXXX XXXX in XXXX XXXX, il filed bankruptcy since and closed down. I had gone thru all the paperwork and wasted it would be written off. As, I was, going thru a divorce and didn't have ins. I don't have all the paperwork anymore as I thought it was all over. XXXX collector is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL. XXXX I told her i don't believe i owe it due to the agreement from hospital. She stated nothing was sent to them saying such and would mark me as a refusal to pay. She was not hesitant in to listening what I had to say at all or discuss anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief