vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, which I believe is a direct result of the data breaches involving XXXX XXXX XXXX. As a consumer, my sensitive personal information was compromised without my consent, and I have since experienced unauthorized activity on my credit profile. 

Pursuant to * * 15 U.S. Code 1681c2 ( a ) * *, I am exercising my right to request that any information resulting from identity theft be blocked from my credit report. This law clearly states that a consumer reporting agency must block such information within XXXX business days of receiving appropriate proof and a police report or FTC identity theft report. 

XXXX XXXX XXXX XXXX - {$280.00} XXXX and Associates Balance- {$100.00} I respectfully urge the CFPB to assist in ensuring compliance with this federal protection and hold the responsible credit reporting agencies accountable for the mishandling of consumer data and any delays or failure to act on legally required identity theft protections. 

Thank you for your attention to this matter.

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 2025-06-25 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-25 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY.

Collection Agency : XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: MD

Complaint narrative:
Date XXXX XXXX  I have been receiving numerous phone calls from A.R.M. Solutions and recently answered. I was told that a company called XXXX XXXX  claims I owe approximately {$23.00}. XXXX for a magazine subscription. First I have no magazine or newspaper subscriptions, nor have I ever heard of them. I did research into them and they seem to be a bogus company trying to extort money from seniors through collection agencies Ask told A.R.M to Please do not call me or contact me about this debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
On XXXX XXXX I tried to get a loan modification for my car loan from Ally Financial. This would lower my monthly payment from {$440.00} to just {$300.00}. Everything was going fine until the signing of the paperwork. They refused to send me the paperwork through XXXX  XXXX once DocuSign proved impossible for me because of not having phone service. They then continued to harass me over the phone and through letters to my home. Then they somehow found my dads phone number even though he isnt listed anywhere on my loan contracts. He is only listed on my insurance through a separate company as a driver for my vehicle. Somehow, they found his phone number and called him to try and discuss the loan which I never authorized. They have stonewalled me repeatedly claiming they cant help me when Ive tried contacting them but then continue to harass me all the while giving no solution. I waited about 2 weeks for the paperwork in the mail and got nothing. The payment was supposed to be due on XX/XX/XXXX but I never received the paperwork to sign and send payment with. Finally today, XX/XX/XXXX, I tried to set up a new modification because I was informed that my original modification had been voided. I went ahead and set it up but I requested to the customer service chat line that my payment be stalled for 24 hours until my next paycheck was deposited. I thought that was a fair request but was again told my the representative that there was nothing they could do and that their department didnt handle that yet they refused to even put in a request to the correct department for me. He continued to stonewall me when I asked for a supervisor and instead started asking for irrelevant information from me. Ill admit I then refused to provide this information because it was irrelevant and its all information they already have. The new modification would bring my monthly payment down to just {$290.00} and I have signed the electronic agreement now that I have restored my phone service. They dont give an option for deciding when to pay. They only allow for the payment to be processed immediately. I was only asking them to delay so that I dont get an overdraft fee from my bank. I feel as though Ive made reasonable requests and shown good faith in my efforts yet have received no reciprocation from Ally Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
They never sent me debt validation as required by law. I don't acknowledge and debt because I don't owe it. They didn't provide me with an itemized bill, proof I owe the debt, proof they own the debt. They have called me repeatedly with intent to annoy and harass. Below is a list of things they haven't provided me with before calling. 

Account Number The right to dispute the debt within 30 days. 
If you dispute the debt, the collector must obtain verification of the debt and mail it to you. 
If you request it within 30 days, they must provide the name and address of the original creditor if different from the current creditor. 

They are in violation of the following Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Summary : Comenity Capital Bank has repeatedly violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I was harassed with 1020 calls per day from over 100 spoofed or rotating numbers. In one voicemail ( which I saved ), they told me I should get a lawyer because I would be sueda false legal threat and violation of FDCPA 1692e ( 5 ). 

The most recent violation was even more egregious : they spoofed a number tied to my mothers phone line to call me about a debt. This is a clear violation of FDCPA 1692b, which limits third-party contact to locating a debtor and prohibits repeated or deceptive contact. 

I have already filed complaints, and Comenity continues to respond with templated statements that do not address the allegations. My credit score dropped over XXXX points due to this retaliation, and XXXX  has already removed the negative mark, while Comenity continues to report it. 

In addition to repeated and harassing calls ( 1020 per day using over 100 numbers ), Comenity Capital Bank also left a voicemail threatening legal actiontelling me to get a lawyer because I would be sued. They also spoofed a number associated with my mother to contact me about the debt. This violates : FDCPA 1692d Harassment FDCPA 1692e ( 5 ) False threat of legal action FDCPA 1692b Improper third-party contact My credit score dropped over XXXX points, and this is my only negative tradeline. XXXX  has removed it, but Comenity continues to report it unfairly. I am requesting full investigation, deletion of the tradeline, and formal regulatory review of these violations. 

I request that this be escalated immediately and reviewed for : Third-party contact violations Spoofing/deceptive calling Harassment by excessive calling Misleading credit reporting Failing to investigate prior complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Nala Payments LLC
State: NY

Complaint narrative:
My name is XXXX XXXX and reside in the united state of America. 
on the XXXX of XXXX at XXXX i started getting notification message on my XXXX app about unauthorized transaction going to XXXX unknown to me. four ( 4 ) transaction was initiatiated simultaneously but i was able to call my bank ( XXXX XXXX  ) to block any transaction but before they could do it, 3 of those transaction already went through. 
i contacted XXXX about the issue but seems not to have any headway. i can state categorically that this transaction was fraudulent and was done within. 
1. I always send money to XXXX to my wife account XXXX XXXX XXXX either XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) or her XXXX account ( XXXX ). 
2.the fraudulent activities happened simultaneously in quick succession and money was transferred to some some person XXXX accounts in my wife name XXXX XXXX XXXX and of which my wife resides in XXXX. 
3.The system is supposed to tell the name of the receiver, bank name once an account number is initiated for a transfer but i wonder why Nala couldn't authenticate that.

4. I have proof from the account that the account receiver is based in XXXX ( XXXX ) XXXX XXXX. upon tracking that number belongs to XXXX XXXX based in XXXX because only XXXX uses XXXX XXXX and i don't know this person from anywhere. 
The amounts are {$280.00}, {$290.00}, {$290.00}. total of {$870.00} Attached is the claim the first four ( 4 ) attached documents shows the fraudulent charged with XXXX while the other transactions show my wife names and real accounts numbers based in XXXX not XXXX. 
i hope tyo hear from you soonest Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 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 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 2025-06-25 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: FL

Complaint narrative:
Names are wrong and that I want them removed off of my credit profile. I have reported that I am a victim of identity theft and wanted to have my account cleared. They sent proof of a car lease that I had no Idea of from a company named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Names are wrong and that I want them removed off of my credit profile. I have reported that I am a victim of identity theft and wanted to have my account cleared. They sent proof of a car lease that I had no Idea of from a company named 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 2025-06-25 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I reviewed my credit report and there are unrecognized and un-authorize inquiries found on my report. 

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2025-06-25 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX has inquired on my credit report without authorization or consent violation of privacy act of XXXX  15USC1681a c-2,4,5. No consent given to this company for inquiring extension of credit. No credit or funding received from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief