vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I have disputed this debt numerous times through XXXX, by phone and online. 
I have talked to representatives of Online information Services by phone numerous times. 
I have talked by phone to XXXX XXXX by phone. 
I filed a complaint against XXXX with CFPB that hasn't been resolved. 
This concerns a debt that is not mine. It is from another XXXX XXXX who lived in the XXXX Ohio area, and the last XXXX digits of his social security number is different than mine. 
XXXX XXXX told me they can not help because it has been sent to collections. I asked them to at least acknowledge that my social security number and the debtors were not the same. They refused. 
I talked to Online Information Services and using my social security number, I was told I was not in their system, and this was all XXXX 's error. 
Every time I filed a dispute with XXXX stating this debt was not mine, Online services says the information is correct and debt stands. This was after I talked to a supervisor at XXXX XXXX and she acknowledged this was a mistake, and I am not the debtor. 
On Monday XX/XX/year> I received a letter from online services claiming XXXX XXXX has confirmed the address is mine, and enclosed a copy of the letter that shows an address in XXXX Ohio that I have never lived in. I have lived at my address for XXXX  years. Online got my address to send me the mail from when I called them previously to explain the situation. After I received the letter, I called Online. The lady I spoke with said they would change my address and would not receive any more mail from them. I thought that would clear up my latest dispute with XXXX, it did not. They let the collection stand. 
I then called XXXX and talked with a lady named XXXX. She listened to my dispute and was helpful. She read back to me the wording of the dispute, and I was confident that would solve the problem. 
XXXX again refused to restore my credit rating, a simple check would show that I have lived in my home for XXXX  years, have never lived in XXXX Ohio, and never been a customer of XXXX XXXX. 
I have excellent credit XXXX, and because of XXXX XXXX and XXXX XXXX XXXX rating has dropped to XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Dear ally financial I have reached out to u guys numerous of times in all I have been is misleading in fraudulent information ...... I ask ally about the nature of my contract in who initially extended this deal in they constantly give there customers false in misleading information hopefully that ends today Subject : Clarification Regarding Initial Credit Extension Dear Alley Financial, I hope this message finds you well. I am writing to clarify an important aspect of the credit extension related to my account. 

1. **Initial Financing Offer** : When I purchased my vehicle from XXXX XXXX XXXX they were the first to provide me with financing options, which allowed me to proceed with the purchase. 

XXXX. **Credit Application** : I completed a credit application through XXXX XXXX XXXX who assessed my financial situation to determine my creditworthiness. 

XXXX. **Loan Approval** : XXXX XXXX approved my loan based on their evaluation, outlining the terms including the interest rate and repayment schedule. 

XXXX. **Financing Agreement** : After agreeing to the terms, I signed a financing agreement directly with XXXX XXXX XXXX which detailed the loan specifics. 

XXXX. **Vehicle Purchase** : XXXX XXXX provided the funds necessary to finalize the purchase, allowing me to take possession of the vehicle. 

XXXX. **Assignment of Loan** : I understand that my financing agreement was later assigned to Alley Financial . However, it is important to note that Alley Financial was not the original entity that extended credit to me. 

I believe it is essential for the record to accurately reflect that XXXX XXXX was the initial creditor. In if not can explain how yo loan procedure works for this specific contract because tila laws broken XXXX is u managing this contract cause it clearly states in the right hand corner of my retail installment that twins auto is seller-creditor in to the CFPB can u please investigate the fraudulent services they provide

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Complaint Regarding Improper Credit Reporting and Invalid Debt Ownership To Whom It May Concern, I am submitting this complaint regarding an account reported by XXXX XXXXXXXX on my TransUnion credit report. I believe this account contains inaccurate information and is improperly reported. Below are the details of the issues : 1. Improper Reporting and Inaccuracy The account reflects a status of Charged off as bad debt, which I dispute as inaccurate. I have not received proper validation of this debt. 
The balance, credit limit, and other details appear inconsistent, and the information has changed without proper notice or verification. 
XXXX. Invalid Debt Ownership The report states Company Sold, yet no details are provided regarding the current owner of the debt. I have not been informed of a sale, nor have I been contacted by a new creditor. 
If this debt was sold, the original creditor should not be reporting a balance. The new owner of the debt, if any, should be responsible for reporting it. 
XXXX. Dispute Process Issue The report notes Dispute resolved reported by grantor, but I was not provided sufficient evidence of validation or proper resolution. My right to a fair dispute process under the Fair Credit Reporting Act ( FCRA ) has been violated. 

Given these issues, I formally request : Immediate investigation into this account and correction or removal of any inaccurate or unverifiable information. 
Documentation validating the ownership and legitimacy of this debt. 
A written response explaining the findings and any actions taken. 

If this matter is not resolved in compliance with the FCRA, I am prepared to escalate my complaint and explore legal remedies. 

Please confirm receipt of this complaint and provide an update as soon as possible. 

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 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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
By law this deft is to be taken off my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am disputing a collection account that does not belong to me. Credit Collection Services has placed a debt on my credit report that I do not recognize. I have never incurred this debt, and I have not received any communication from this company regarding it. 

Since I am not responsible for this debt, I am requesting its immediate removal from my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute debts that are not mine and request proper validation before any collection attempts or credit reporting. 

I would like the CFPB to assist in investigating this matter and require the collection agency to provide documented proof that this debt is mine or remove it from my credit file.

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Back in XXXXXXXX XXXX XXXXXXXX I received a statement with an annual fee. I called XXXX XXXX Bank to get the fee removed and close the account. Every thing was done or so I thought. In XX/XX/XXXX I noticed on my credit report that there was a balance and my account was flagged 30 days past due. Right away I called and was told that they see that I closed the account and should not be a balance. I have called XXXX XXXX multiple times and filed multiple disputes with Experian to try to get this taken care of. Last call to XXXX XXXX was last week and again I was assured that the balance was XXXX and that the late reports would be updated in their next reporting on XX/XX/XXXX. Well the balance has been updated to show XXXX but the past due ( 30 days and 60 days ) has not been. My credit report is still minus XXXX points because of their error. I have never made a late payment to them and at this point in my life ( trying to purchase a house ) I would not have risked a negative impact to my XXXX XXXX for {$100.00}, after years of trying to improve my score. I have had multiple accounts with them over the years and never was late. I am not getting any where contacting their customer service.

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 — Problem with personal statement of dispute
Company: Kashable LLC
State: FL

Complaint narrative:
I have had several negative items on my credit report that have expired, however the companies continue to sell my collection to other companies and they restart the 7 year timeframe and are not removing the items from my credit 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have had several negative items on my credit report that have expired, however the companies continue to sell my collection to other companies and they restart the 7 year timeframe and are not removing the items from my credit report.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute unauthorized, inaccurate, or fraudulent information on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: NM

Complaint narrative:
That is not mine. I asked for validation several times and they can not comply with that per federal law. This is not my debt needs to be removed my credit.

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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: MI

Complaint narrative:
Identity theft and fraudulent activities XXXX XXXX ( XXXX ) XXXX this cfpb complaint has been filed to request pursuant to fcra 605b ( 15 U.S.C 1681c-2 ) that you TransUnion credit reporting agencys 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 a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX XXXX XXXXXXXX with a balance of XXXX, another collection account opened at XXXX XXXX XXXX XXXX with a balance of XXXX, and an collection Account opened on XXXX from XXXX XXXX XXXX with a balance of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, 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, 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