vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
Equifax credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed. 
XXXX XXXX XXXX ropened XXXX XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX XXXX opened : XXXX XXXX, XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record.

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 2025-03-06 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: CA

Complaint narrative:
Equifax credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed. 
XXXX XXXX XXXX ropened XXXX XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX opened : XXXX. XXXX, XXXX status : Closed XXXX XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed XXXX opened XXXX XXXX, XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record. 

XXXX credit bureau has accounts that I did not authorized : XXXX XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX XXXX opened : XXXX XXXX, XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed XXXX XXXX opened : XX/XX/XXXX status : Closed Those accounts haven't been authorized. Please provide a XXXX prove of authorization of entering into contact/agreement with those companies. If you can not provide a strict prove those accounts shall be removed from my credit record.

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 2025-03-06 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: TX

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 2025-03-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX  XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX XXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-06 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation for XXXX XXXXXXXX XXXX Case Reference : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the debt claimed by Credit Collections Services and request validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am seeking clarification on the validity of the debt they claim I owe. 
In reference to the case XXXX v. XXXX ( XXXX & XXXX, XXXX v. Green ), which serves as a precedent, the court ruled that debt XXXX must provide clear and sufficient documentation to verify that they are authorized to collect the debt and that the debt is accurate. The ruling highlights the importance of ensuring that the consumer has adequate information to assess the legitimacy of the debt. 
As of now, I have not received sufficient verification of the debt from Credit Collection Services. In light of this ruling, I respectfully request that Credit Collection Services XXXX provide : XXXX. Proof of the original creditor. 
XXXX. Documentation showing the amount of the debt owed, including any interest, fees, or charges. 
XXXX. A clear chain of assignment of the debt to Credit Collection Services.

4. Copies of any signed agreements or contracts related to the debt.

{$530.00} I am aware that under the FDCPA, Credit Collection Services is required to validate this debt upon request. I expect that if they are unable to provide this information, the debt should be considered invalid, and any further collection activity must cease.

Please treat this letter as my official dispute of this debt and my request for validation. I kindly ask that you acknowledge receipt of this request and ensure that Credit Collection Services complies with my request in a timely manner. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX  I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX  I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I contacted Equifax several times about a credit freeze being removed. On XX/XX/XXXX I called in and got a confirmation number saying that the credit freeze was removed. When I tried reapplying for a credit through XXXX, theyre getting the notification that Equifax XXXX my credit is still frozen. I submitted a complaint with a XXXX XXXX XXXX and Equifax says that it was removed XX/XX/XXXX. If it was already removed on XX/XX/XXXX, why when I called in on XX/XX/XXXX did they tell me they would remove it that day? XXXX a little frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
XXXX entered a legally binding purchase contract with buyer XXXX XXXX who secured financing through XXXX, XXXX XXXX, via pre-approval. XXXX fulfilled contractual obligations such as {$5000.00} worth of renovations, non financial contractual obligations like ( having to take her home off the market for XXXX days in peak selling season and having to vacate her home unexpectedly multiple times for renovations/ due diligence obligatory vacates ), and MOVING based off the assurances of XXXX, XXXX XXXX  XXXX XXXX XXXX  and verbal/ written communications provided by him, when suddenly and past deadline, the loan was denied for previously approved terms without any XXXX- as contractually obligated- stating difficulties securing a loan. XXXX would like to sue the lender for fraudulent misrepresentation, negligence, breach of contract, and financial/ punitive damages.

Heres how the lender breached : The lender knowingly misrepresented the loan status. As per the LSUs, the lender knew the buyers job, debts and verified their debt-to-income ratio by running credit, checking tax forms, etc. ( lines 1-40 ). This indicates the lender fraudulently induced them to continue with the contract by providing false confidence in the buyers financing, then failed to provide updates as the lender became aware of changes. 
Negligent misrepresentation- lender carelessly caused the sellers reliance and financial harm because the lender knew and understood the sellers financial due diligence in the contract yet negligently approved the buyers ability to close when the buyer in fact, could not close. With all of the information provided by XXXX, the lender had plenty of time to either update the seller of complications, or properly check the buyers ability to close.

Failure to update or retract- lender continued to assure the seller of the buyers ability to close even though the lender knew that the sellers financing wasnt secure. 
- Additionally the lender had a contractual obligation to provide the seller with a written XXXX or the CD on XX/XX/XXXX of the contract, which the lender failed to do. 
Deceptive Trade Practices- under Arizona state consumer protection laws, The lender made false statements about the financing in progress in connection with the sale of the home which violates Arizonas consumer fraud act- this is a general violation outside of the purchase Contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they XXXX be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-06 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: VA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 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: TX

Complaint narrative:
The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that my mobile phone was compromised, and I was unable to make calls or send text messages. Upon contacting my mobile service provider XXXX, I was informed that my account was hacked, and my phone number was used in a fraudulent transaction. 

After contacting my Wells Fargo bank, I found that a total of {$2200.00} was withdrawn from my account. While the bank was able to reverse most transactions, they have refused to return the {$2200.00} that was transferred via a service called XXXX, which I have never used or heard of before. The bank has cited that the transaction was made through a secure device and, therefore, can not be reversed. 

I am deeply concerned about this situation as I have never authorized such transactions and am not familiar with the service used. I kindly request your assistance in investigating this matter and advising me on the necessary steps to take to resolve this issue. 

Thank you for your prompt 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 monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have an outstanding balance with XXXXXXXX XXXX XXXX XXXX. I contacted IC System to try reaching a settlement as I truly dont think my bill was any where near that with all the billing errors XXXX  has had over the years. So I offered them {$2500.00} to settle it out and remove it from my credit. At first they kept saying it needs to be the full amount ( {$3400.00} ) i kept saying no. The offered me {$2500.00} settlement I told them all I have is XXXX take it or leave it. They responded with XXXX tells us what we can settle for. Well, I called XXXX and worked my way up the chain and they sell it off to IC systems and they do not give them a settlement amount as they have sold it off to them so clearly this company does not want to work with me on this

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