vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I disputed with Experian on XX/XX/XXXX for the accuracy of XXXX XXXX XXXX Account no : XXXX the balance on my credit report. They returned with the response, " The company that reported the information has certified to Experian that the information is accurate ''. XXXX XXXX XXXX XXXX, XXXX- Account No. XXXX Due to the recent lawsuit against Experian on XX/XX/XXXX. I insist you investigate as the FCRA Law requires you. 

Dispute of Inaccurate Repossession Reporting Under 15 U.S. Code 1681b and 1681s-2.. The information reported is not only inaccurate but may have been obtained or furnished in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b and 15 U.S. Code 1681s-2.

Under 15 U.S. Code 1681b, consumer information can only be accessed or used for specific permissible purposes. I request that you verify and demonstrate the permissible purpose that justifies the furnishing or accessing of my credit information in relation to this repossession. If you can not provide documentation validating this purpose, the entry must be removed immediately. 

Furthermore, under 15 U.S. Code 1681s-2, a furnisher of information is required to report accurate information and promptly correct or delete information found to be inaccurate. If this repossession has been reported inaccuratelywhether in the date, terms, balance, or circumstancesyou are obligated by law to correct or delete the entry. 
I hereby request the following : Verification of the repossession entry including documentation of the original contract, payment history, repossession notice, and the notice of intent to sell the vehicle ( if applicable ). The date of the last payment and the date of charge-off to determine accuracy and compliance with credit reporting statutes. 
Identification of the entity that accessed and furnished this information, and proof that they had a permissible purpose under 15 U.S. Code 1681b.

If this information can not be verified within 30 days, I request that this entry be deleted immediately from my credit file, and that I be notified in writing of the results of the investigation per the FCRA requirements. 

Please consider this a formal dispute and reinvestigation request under the FCRA. I also request a copy of my updated credit report once the investigation is complete.

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 2025-04-21 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

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 2025-04-21 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: CO

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, I placed a fraud alert due to a data breach with a company with which I do business. In late XXXX, I attempted unsuccessfully to login to XXXX account to apply for benefits. I was unable to do so after multiple attempts. Upon talking to a XXXX representative I was told I would have to remove the fraud alert before I could login to XXXX. I was able to remove the alert in two other credit reporting agencies by talking to a live person over the phone. No such opportunity exists with Experian. I am unable to login because Experian will not send a verification text to complete the login process nor will they allow me to speak to a live person. I simply want to speak to a live person 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 explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acrisure Mortgage Partners, LLC
State: ME

Complaint narrative:
Fbc mortgage llc : loan name is in married name of XXXX XXXX. I have since changed to XXXX XXXX. My loan was paid off on XX/XX/year>. They took a payment out on XX/XX/year>. I faxed in a change of address XX/XX/year>. I spoke to a representative on XX/XX/year> who confirmed the change of address was received and they stated they issued a new check for my refund to my new mailing address. I called on XX/XX/XXXX to find out when the check was mailed and they stated they hadnt updated the address and they didnt know why the address wasnt updated. I asked for the funds to be wired transferred and they refused. I asked for a confirmation that the address would be updated and they couldnt provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/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 2025-04-21 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: PA

Complaint narrative:
Im writing because I recently checked my credit report and found some things that just arent right. There are a few inquiries and accounts listed that I never authorized or had anything to do with. I take my personal information and credit seriously, so seeing this was really concerning. To be clearI didnt give permission for these inquiries, and I have no connection to the accounts in question. It looks like someone may have used my information without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: OH

Complaint narrative:
This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g et seq. I am requesting that you provide valid verification of the alleged debt you claim I owe. This is not a refusal to pay, but a request for validation of the alleged debt.

Under the FDCPA, you are required to provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, and principal.

3. A copy of the original signed agreement or contract bearing my signature.

4. Proof that you are authorized to collect this debt in my state.

Until this information is provided, you are hereby instructed to cease and desist from all forms of communication with me regarding this matter, including but not limited to phone calls, letters, emails, or reporting to credit bureaus. If you continue to contact me without validating the debt, you will be in violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

You have 30 days from the receipt of this letter to provide all required documentation. Failure to do so will be construed as your confirmation that no such debt exists, and any further collection activity must cease immediately. 

Please govern yourself accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/year> Transworld systems inc XXXX XXXX, pa XXXX Re : account number XXXX cease all communications Dear Transworld union inc : I am writing regarding the above -referenced account. Please be advised that, under the Fair Debt Collection Practices Act,15 U.S.C. Ss 1692c ( c ), I hear by request that you cease all communication with me concerning this debt. Specifically 1. Cease communications pursuant to 15 U.S.C. As 1692c ( c ), you must immediately stop contacting me at home, place of employment, by telephone, or by any means.

2 No further contact you may only contact me again if you or your client intend to file a lawsuit, or to notify me that you or your client intend to invoke a specific remedy ( e.g., reporting to a credit bureau referral for litigation ).

3. Preserve My Rights Im aware of my rights under the FDCPA, and any further communication in violation of ss 1992c ( c ) will be documented and may result in a complaint to the Consumer Financial Protection Bureau and or lawsuit Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
This whole account none of these charges link to me I dont have accounts with any of these buisnesses and they have no record of any of these charges Im attaching the ligit debt collection information I am requesting that they tell me on the phone they do not have .. they dont have it they cant collect on it and you cant report it on my credit report all. Y personal information has to be removed from this account .. they ignore all my attachments and have no proof this is my account or debt READ THR ATTACHMENTS AND QUIT IGNORING WHATS REQUIRED BY LAW TO COLLECTON THIS DEBT.

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 2025-04-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
had issues accessing my Capital One account through the app, which caused a delay in viewing and paying my bill. Once I got access, I saw a balance due and called immediately. They waived the {$25.00} late fee but told me my minimum payment would still be {$61.00}, even though my normal minimum is only {$25.00}. I asked if the {$25.00} credit could go toward my minimum payment instead of the overall balance. I asked for it to be adjusted she said you can pay {$25.00} and the remaining balance will be {$36.00} due in XXXX. I said its not reflective of Whats actually owed when you all removed the late fee in which you charged to the minimum balance not the remaining balance it should be removed. They said no its their policy that it cant be adjusted. 

When I asked to escalate, I was transferred to a senior accounts manager named XXXX ( Agent ID : XXXX ), who refused to provide an email, department contact, or any further help. She told me no one is in charge of processing because the system does everything automatically. She also said theres no one above her that I could talk to and she cant send a message to her boss for a callback only put a note on my file with no way to tag anyone. 

I was told if I wanted to contact someone else, Id have to go through the website but no email or number for the corporate office was provided.

Company response to consumer: Closed with explanation