vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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:
To Whom It May Concern, I am writing to formally dispute a fraudulent mobile account that has been inaccurately and unlawfully reported under my name and Social Security Number. This account **does NOT belong to me** and is the result of **identity theft**. I am demanding the **immediate removal** of this account from my credit file pursuant to my rights under **15 U.S.C. 1681c-2 ( FCRA Section 605B ) ** and **FACTA**. 

Fraudulent Account Details : - Creditor Name ( XXXX XXXX ) : *XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/year> - Status : Fraudulent This account was opened without my authorization, knowledge, or consent. I have **never opened or used any account with XXXX XXXX, nor have I given permission for anyone to do so on my behalf. 

Enclosed Documents : - Completed FTC Identity Theft Report - Affidavit of Identity Theft You are legally obligated to block the reporting of this fraudulent information from my credit file **within 4 business days** of receipt of this letter and documents, as required under **FCRA Section 605B ( 15 U.S.C. 1681c-2 ) **. 

You are hereby instructed to : 1. **Permanently delete this account** from my credit report with immediate effect. 
2. Provide written confirmation of the deletion. 
3. Refrain from re-reporting this account unless irrefutable proof of authorization is obtained and provided. 
4. Provide the name, address, and contact details of the party who opened the account, as required under **15 U.S.C. 1681g ( a ) ( 2 ) **. 

**If you fail to comply**, I will not hesitate to file complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) *XXXX, and my states **Attorney Generals Office**. I will also pursue legal action for willful noncompliance under **FCRA Section 616 ( 15 U.S.C. 1681n ) ** and **Section 617 ( 15 U.S.C. 1681o ) **, which provide for actual, statutory, and punitive damages, as well as attorneys fees. 

This letter serves as your **final warning**. Remove the fraudulent item from my credit file **immediately** or face formal legal action. 

Sincerely, 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My frustration isnt just about the errors themselvesits about the silence and inaction when I raise concerns. I shouldnt have to keep fighting to fix mistakes that are clearly hurting me. These issues are affecting major areas of my life, from housing to employment to financial security.

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 2025-04-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 2025-04-07 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed a dispute for LVNV Funding LLC account XXXX due to incorrect information reported. XXXX denied to follow up with the investigation. I have contacted the company for verification of account multiple times and have not received any response from them. They have not issued any verification of reported account. They have an incorrect address in which it is not my address associated to their account. I have sent multiple emails to their support email for assistance regarding the account with no response. I have also mailed them letters requesting verification. XXXX refuses to delete the account off my account without verifying the information. XXXX investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. XXXX has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX is violating my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive been disputing this account for over 120 days regarding inaccurate late payment reporting. I requested correction of the payment history to reflect Paid As Agreed PAANL based on Metro 2 compliance. The furnisher has failed to provide any legally required documentation under 15 U.S.C. 1666b ( Fair Credit Billing Act ) showing I was ever mailed notice of billing errors or delinquency within 30 days. They also failed to reinvestigate and respond to my dispute within the required 30-day window, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) under the FCRA. Despite being notified of reporting errors, they continued to furnish derogatory data in noncompliance with CDIA Metro 2 format. This is willful and negligent under 1681n and 1681o. I am requesting CFPB enforcement and correction of the account to reflect Metro 2-compliant status : Status : C Current / Pays As Agreed Profile : PAANL Paid As Agreed / No Lates Last Payment and Last Reported Dates updated accordingly

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 2025-04-07 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: OH

Complaint narrative:
Ive been disputing this account for over 120 days regarding inaccurate late payment reporting. I requested correction of the payment history to reflect Paid As Agreed PAANL based on Metro 2 compliance. The furnisher has failed to provide any legally required documentation under 15 U.S.C. 1666b ( Fair Credit Billing Act ) showing I was ever mailed notice of billing errors or delinquency within 30 days. They also failed to reinvestigate and respond to my dispute within the required 30-day window, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) under the FCRA. Despite being notified of reporting errors, they continued to furnish derogatory data in noncompliance with CDIA Metro 2 format. This is willful and negligent under 1681n and 1681o. I am requesting CFPB enforcement and correction of the account to reflect Metro 2-compliant status : Status : C Current / Pays As Agreed Profile : PAANL Paid As Agreed / No Lates Last Payment and Last Reported Dates updated accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
Ive been disputing this account for over 120 days regarding inaccurate late payment reporting. I requested correction of the payment history to reflect Paid As Agreed PAANL based on Metro 2 compliance. The furnisher has failed to provide any legally required documentation under 15 U.S.C. 1666b ( Fair Credit Billing Act ) showing I was ever mailed notice of billing errors or delinquency within 30 days. They also failed to reinvestigate and respond to my dispute within the required 30-day window, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) under the FCRA. Despite being notified of reporting errors, they continued to furnish derogatory data in noncompliance with CDIA Metro 2 format. This is willful and negligent under 1681n and 1681o. I am requesting CFPB enforcement and correction of the account to reflect Metro 2-compliant status : Status : C Current / Pays As Agreed Profile : PAANL Paid As Agreed / No Lates Last Payment and Last Reported Dates updated accordingly

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 2025-04-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Tried to assume my childhood home from my parents since 2024. Freedom Mortgage has been changing the number it would cost to do so adding additional charges and refusing to send an itemized bill every time they increase the cost. They are in contempt of the Real Estate Settlement Procedures Act refusing to send statements and being transparent about costs. They are treating the transaction as a buy/sell and not as me assuming the loan.

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 2025-04-07 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: CA

Complaint narrative:
I am submitting this complaint as a victim of identity theft regarding a fraudulent auto loan account that was added to my credit report without my knowledge, authorization, or consent. This account is listed under XXXXXXXX XXXX XXXX XXXX and reflects activity that I did not initiate or approve. 

According to my credit report, the account was opened on XX/XX/XXXX, and marked as charged off as of XX/XX/XXXX, with the following details : {$8700.00} written off {$6400.00} past due A recent payment reported as {$13000.00} on XX/XX/XXXX This account is entirely fraudulent. I have never applied for or financed a vehicle through XXXXXXXX XXXX XXXX XXXX. I did not sign any loan documents, authorize a credit inquiry, or receive any communication related to this account prior to it appearing on my credit report. 

I discovered this account while reviewing my credit report and have since filed a police report and a formal FTC Identity Theft Affidavit, both of which are available upon request. I am actively exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receiving a valid identity theft report. 
FCRA 611 ( 15 U.S.C. 1681i ) : Grants consumers the right to dispute inaccurate items and demand debt verification. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers to conduct a full investigation and correct or delete any inaccurate, unverifiable, or fraudulent information. 
FCRA 616 ( 15 U.S.C. 1681n ) : States that if any institution willfully fails to comply with these requirements, they may be liable for statutory damages of {$1000.00} per violation. 

To date, I have not received any signed contract or verifiable documentation that proves I authorized this account. Reporting and verifying false information especially after being informed of identity theft is not only a violation of federal law but exposes the company to civil liability. 

I demand that this fraudulent XXXXXXXX XXXX XXXX XXXX  account be immediately deleted from all credit reporting databases, and that no further attempts to collect, verify, or re-report this debt be made. I expect confirmation of deletion and proper investigation to be completed in full compliance with the FCRA.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: FL

Complaint narrative:
They called my XXXX XXXX, which is not okay. They repeatedly call and when I signed up to see what the debt is, they were trying to legally bind me to pay it all at once to view what it even is. That is disgusting practice. Especially when I dont know if this debt is actually mine. I want them to stop contacting me asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
This letter is intended to file a formal complaint against First National Bank of Pennsylvania, a subsidiary of XXXX. XXXX based in XXXX, PA. 

Their practice of delaying intra-bank transfers from one account to another ( within the same institution ) may well be illegal, and is certainly unethical and duplicitous.

Sadly, I accepted an auto loan from this chiseling organization without being aware of their unethical business practices, and I am suffering the penalty. Filing complaints with every possible organization appears to be my only recourse. Direct appeals to the bank are met with a shrug and a statement of their policies. Making it a policy doesnt make it right, nor legal Specifically : when I access my bank on line and submit a transfer from my checking account to my auto loan, the funds are immediately deducted from the checking account. However, the funds are not credited to the loan for anywhere from 2 to 4 business days.

Clearly. the bank wants to save on the interest they pay ( however paltry ) for my checking account balance, and also gleefully charge 2-4 days of interest on the auto loan before posting my payment. If it was a transfer from another bank, they may have a case for delaying credit to the loan, but within the same bank?

This practice is no different than trying to make a cash withdrawal from my balance and being told sorry, you have to come back in 2 days to get your cash. There is absolutely no reason why funds deducted electronically from one account are not immediately transferred to another account, when it is in the same bank.

And this is not the only example of their greed : When I make an electronic transfer to my XXXX. checking account from a different bank, I am charged a fee by XXXX. While it is appropriate and expected for the sending institution to charge a fee, who ever heard of a bank charging you to make a deposit to your own account? Especially now, when everything is electronic. 

This sort oXXXX XXXX makes a very bad impression. It is nothing more than XXXX greed and fleecing the customer in a policy the borders on theft of funds and extortion for a few dollars additional interest. 

XXXX is a huger and wealthy institution, and I am sure they could care less about my disgust with their practices. Hopefully, your organization will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, IN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/year> Balance : {$330.00} Late/Closed

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Amount of XXXX was sold without my permission from XXXX to trueaccord. 
Account was closed and place for collection on XX/XX/year>2023 by XXXX. 
TureAccord send me emails repeatedly attempting to collect 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