vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: CA

Complaint narrative:
I enrolled in a debt settlement program with Alleviate Financial Services in XX/XX/XXXX. I made regular deposits from my personal checking account into a dedicated trust account administered by XXXX ( XXXX XXXX XXXX ). These funds were intended to be used strictly for negotiating and paying settlements with my enrolled creditors. 

Alleviate did negotiate settlements and made some payments on certain accounts while I was enrolled. However, multiple accounts remained unresolved, and two eventually entered litigation.

When I terminated the program, I was told that any remaining funds in my trust account would be returned to me. Instead, I received an Account Closure Statement from Forth dated XX/XX/XXXX, showing that {$810.00} was withdrawn and labeled as earned fees, and that my account was closed with a {$0.00} balance and no refund issued. 

I contacted Alleviate Financial Services by phone and requested a written, itemized explanation of how this {$810.00} in earned fees was calculated and what specific services it covered. I was only told that the money was taken by Alleviate for their fees. When I asked for a breakdown of the services justifying those fees, they refused to provide one and directed me to their website instead. I also attempted to contact Forth, the trust account administrator, but I was unable to reach anyone or obtain clarification. 

I believe this fee was unfair, disproportionate, and not clearly disclosed to me at the time of enrollment or cancellation. I also believe I was misled regarding how fees would be charged if I canceled the program and regarding my right to receive any remaining trust account balance. 

My monthly program payment was later increased by {$200.00}. Due to ongoing litigation on my accounts and the risk of potential wage garnishment, I felt significant financial pressure and ultimately sought legal counsel. I have now decided to proceed with XXXX XXXX XXXX because the program was no longer financially viable and did not resolve my debt situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered an inquiry that I do not recognize and did not authorize. I have never applied to this company nor given consent for them to pull my credit. Seeing this unauthorized inquiry is extremely stressful and has caused me a great deal of anxiety.

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 2025-11-25 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: LA

Complaint narrative:
I am writing to formally dispute this collection that appeared on my consumer report in its entirety, which is being reported by XXXX XXXX XXXX XXXX VA on my Equifax consumer credit report. This account is fraudulent, and I have no knowledge of, or responsibility for, the alleged debt. 

I am a victim of identity theft/fraud, and I have no contractual or legal obligation to pay this debt. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputed information and to delete information that can not be verified or is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I received a letter from Midland Credit Management dated XX/XX/XXXX for a garnishment with a case number ( available by request as it says not to include that ). This was filed with my local court stamped XX/XX/XXXX. This was forwarded to me as I had not lived at the address mailed to since XX/XX/XXXX. I received a second letter later in the year letting me know the garnishment was going to commence. This letter had the SAME case number. It was for an amount of {$4000.00} as the balance of the judgement. These garnishments started from my pay with my check dated XX/XX/XXXX. As follows are the dates and amounts garnished. I have all paystubs available that also have the SAME case number for the garnishment. They were as follows : XX/XX/XXXX {$550.00}, XX/XX/XXXX {$620.00}, XX/XX/XXXX {$650.00}, XX/XX/XXXX {$570.00}, XX/XX/XXXX {$650.00}, XX/XX/XXXX {$470.00}, XX/XX/XXXX {$530.00} and XX/XX/XXXX {$5.00} for a grand total of {$4000.00} garnished. Today, XX/XX/XXXX, I received a letter from XXXX letting me know there was another garnishment and that it was going to start with my check on XX/XX/XXXX. When I called Midland Credit they informed me that my account had a cease and desist and they were not allowed to mail me anything. Yet, they mailed another letter in XX/XX/XXXX to my old address that I never received. So he told me they were not allowed to but then told me they did anyway, illegal. This letter has the SAME case number and signed by a different attorney with the company and now with added interest. I called XXXX and the guy on the phone told me there was nothing he could do and that they had not received 'one XXXX ' ( his words ) toward the debt. I presented my proof and he simply said he can't do anything and to contact my employer. I have literal black and white proof that this debt was satisfied and now they are garnishing it for a second time. I plan to take legal action. I have all of these letters and paystubs available for review and have also emailed them to the attorney email address for Midland Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing the information that National Credit Systems is furnishing. They responded by repeating the same message as before, stating that XXXX XXXX believes the charges are valid and that XXXX sent the dispute to the credit bureaus. That does not answer the actual issue. I am not asking whether XXXX had charges. I am questioning the legal authority of National Credit Systems to collect or report anything connected to my personal information.

The attachments they provided only show the apartments internal move out ledger from XXXX of XXXX  showing utilities and fees totaling XXXX. The lease packet also only establishes my agreement with XXXX XXXX and its owner at the address XXXX XXXX XXXX XXXX in XXXX Texas. None of these documents contain any language naming National Credit Systems. None of them show a transfer. None of them show an assignment. None of them show my consent for this company to obtain, handle, store, or publish my personal information.

Their response ignores the validation requirement under 15 USC 1692g which requires the collector to show evidence that links the consumer to the collector, not just a balance created by a different business. Under 15 USC 1681e b they are required to maintain accuracy and proper verification before they supply information to the credit bureaus. Under 15 USC 1681i they must provide supporting documentation when I dispute their reporting. Repeating the balance does not satisfy the law.

During the time these charges occurred I had lost my job and was under financial stress. The fact that I fell behind does not create permission for a third party to obtain or publish my information. National Credit Systems has produced no proof that I authorized them to involve themselves in my account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I have had to contact companies and ask them to stop reporting information that was 14 years old and incorrect information and a truck loan I never knew had a 7 year term.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
PayPal ran my credit and sent me a credit card without my consent. I had an existing line of credit with them through their online service " PayPal Credit '' and they used my data and personal information to open a new line of credit attached to a credit card in my name, impacting my credit score and forcing me to take on the liability of a physical card that I did not request. This is a violation of the Truth in Lending Act, along with its implementing regulation, Regulation Z, which states that a credit card can not be issued to a consumer unless it is in response to an oral or written request or application. Unauthorized issuance : Sending a credit card to a person without their explicit request or application is a direct violation of this rule.

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 2025-11-24 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: TN

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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:
THEFT & DATA BREACH DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XXXX XXXX RE : FORMAL IDENTITY THEFT DISPUTE FCRA 605 ( b ), 611 ( a ), 1681b FTC Identity Theft Report # : XXXX To Whom It May Concern : This letter serves as my formal identity theft dispute, data breach notification, and demand for deletion of fraudulent accounts and inquiries pursuant to my rights under : FCRA 605 ( b ) Prohibiting reporting of information resulting from identity theft FCRA 611 ( a ) My right to dispute and require reinvestigation FCRA 1681b ( f ) Prohibiting access to my credit file without permissible purpose I am a documented victim of identity theft and data breach, as supported by my official FTC Identity Theft Report attached to this dispute Under FCRA 605B, you are federally required to block all fraudulent information within 4 business days of receiving this identity theft documentation.

1. ACCOUNTS & INQUIRIES CREATED BY IDENTITY THIEVES The following accounts were not opened by me, were created through identity theft, and must be blocked and removed immediately : Fraudulent Accounts : XXXX XXXX  Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$640.00} XXXX  XXXX ( Second Account ) Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX. ADDITIONAL ACCOUNTS TO BE REMOVED ( XXXX / RESULT OF THEFT ) I am invoking my rights under FCRA 605B and 609 regarding prior removals and unverifiable data. 

Please delete the following accounts, which are inaccurate, fraudulent, or previously removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA 1681b PERMISSIBLE PURPOSE VIOLATIONS/ DATA BREACH I am also disputing all unauthorized inquiries and access to my consumer report. Any party who accessed my file because of stolen personal data did so without permissible purpose. 

I demand : Removal of any inquiry without permissible purpose A list of all entities who accessed my file in the past 24 months Documentation of the permissible purpose for each access

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
THEFT & DATA BREACH DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XXXX XXXX RE : FORMAL IDENTITY THEFT DISPUTE FCRA 605 ( b ), 611 ( a ), 1681b FTC Identity Theft Report # : XXXX To Whom It May Concern : This letter serves as my formal identity theft dispute, data breach notification, and demand for deletion of fraudulent accounts and inquiries pursuant to my rights under : FCRA 605 ( b ) Prohibiting reporting of information resulting from identity theft FCRA 611 ( a ) My right to dispute and require reinvestigation FCRA 1681b ( f ) Prohibiting access to my credit file without permissible purpose I am a documented victim of identity theft and data breach, as supported by my official FTC Identity Theft Report attached to this dispute Under FCRA 605B, you are federally required to block all fraudulent information within 4 business days of receiving this identity theft documentation.

1. ACCOUNTS & INQUIRIES CREATED BY IDENTITY THIEVES The following accounts were not opened by me, were created through identity theft, and must be blocked and removed immediately : Fraudulent Accounts : XXXX XXXX  Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$640.00} XXXX  XXXX ( Second Account ) Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX. ADDITIONAL ACCOUNTS TO BE REMOVED ( XXXX / RESULT OF THEFT ) I am invoking my rights under FCRA 605B and 609 regarding prior removals and unverifiable data. 

Please delete the following accounts, which are inaccurate, fraudulent, or previously removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA 1681b PERMISSIBLE PURPOSE VIOLATIONS/ DATA BREACH I am also disputing all unauthorized inquiries and access to my consumer report. Any party who accessed my file because of stolen personal data did so without permissible purpose. 

I demand : Removal of any inquiry without permissible purpose A list of all entities who accessed my file in the past 24 months Documentation of the permissible purpose for each access

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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