vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX FCU - XXXX XXXX FCU - XXXX XXXX FCU - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX CARD - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX CXXXX XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
My information was compromised due to a data breach with Equifax. Several accounts have been opened in my name and have negatively affected my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: NY

Complaint narrative:
I would like to ensure that all the information being reported about me is accurate and up to date, especially as I prepare for future rental applications.

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 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have contact this company asking why are they collect funds from me when they are not allowed the collect fees in florida

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

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 XXXX, except for the notification that you sent stating that the company has responded XXXX my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ XXXX  validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, XXXX yet the disputed accounts have not been updated. If this continues, I will have no choice but XXXX take legal action due XXXX 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 Equifax, ExperianXXXX XXXX Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

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 XXXX, except for the notification that you sent stating that the company has responded XXXX my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ XXXX  validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, XXXX yet the disputed accounts have not been updated. If this continues, I will have no choice but XXXX take legal action due XXXX 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 Equifax, ExperianXXXX XXXX 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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
Account Jefferson Capital Systems # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number last four : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  XXXX Account # : * * * * date opened XX/XX/XXXX bal. {$5600.00}, XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$4500.00}, XXXXXXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$3700.00}, XXXX XXXX XXXX Account # XXXX * XXXX * * date opened XX/XX/XXXX bal. {$3300.00}, XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * date opened XX/XX/XXXX bal. {$3200.00}, XXXX Account # XXXX * * * * * date XXXX XX/XX/XXXX bal. {$3000.00}, XXXXXXXX XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2600.00}, XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXXXXXX XXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX * * * * * date opened XX/XX/XXXX bal. {$0.00}. XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number last four : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  XXXX Account # : * * * * date opened XX/XX/XXXX bal. {$5600.00}, XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$4500.00}, XXXXXXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$3700.00}, XXXX XXXX XXXX Account # XXXX * XXXX * * date opened XX/XX/XXXX bal. {$3300.00}, XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * date opened XX/XX/XXXX bal. {$3200.00}, XXXX Account # XXXX * * * * * date XXXX XX/XX/XXXX bal. {$3000.00}, XXXXXXXX XXXX  XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2600.00}, XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXXXXXX XXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX * * * * * date opened XX/XX/XXXX bal. {$0.00}. XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report. 


I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX-XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts Under XXXX  U.S.C.  XXXXXXXXTo Whom It May Concern:\nI am writing to formally notify you that I am a victim of identity theft and that certain accounts and information appearing on my credit report are the result of fraudulent activity. Pursuant to XXXX  U.S.C.  XXXX of the Fair Credit Reporting Act (XX/XX/XXXX), I request that XXXX  block and delete all information that is the result of this identity theft.\nAs per the requirements under the law, I am providing the following documentation:XXXXXXXX copy of my government-issued photo identification.XXXXA copy of a recent utility bill or other proof of my current address.XX/XX/XXXXA copy of the Identity Theft Report I have filed with law enforcement.\n4.\tA statement identifying the fraudulent accounts and confirming that they were not opened or authorized by me.\nPlease block and remove any accounts or inquiries that are a result of this identity theft from my credit file immediately. I trust that you will handle this request in compliance with federal law and provide written confirmation once the fraudulent data has been removed.\nIf you require additional information to process my request, please contact me in writing at the address listed above.\nThank you for your prompt attention to this matter.\nSincerely,XX/XX/XXXX Report Number: XXXX XXXX XX/XX/XXXXTransUnion     \nSYNCB/LOWES XXXXTransUnion  XXXX XXXXtTransUnionXXXX XXXX XXXXTransUnionXXXX XXXX023                 TransUnionXX/XX/XXXX2023                 TransUnionXX/XX/XXXX2024                  TransUnionXXXX XXXX XXXX2023                  TransUnionXXXX XXXX2023                  TransUnionXXXX XXXX2023                   TransUnionXXXX XXXX XXXX2024                   TransUnionXXXX XXXX2023                   TransUnionXX/XX/XXXXTRANSUNION: XXXX XXXX XXXX XXXX, KY XX/XX/XXXX, FL XX/XX/XXXX2020XX/XX/XXXXTransUnionXXXXCredit card:                                                                      open                 closedXX/XX/2019    XXXX2024                     XXXX2022      XXXX2024XX/XX/XXXXLate payment: XXXXTransUnionXX/XX/2019   XXXX2022XXXXTransUnionXXXX XXXX XXXX2023'

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 2025-05-08 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: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SSRM
State: LA

Complaint narrative:
Credit Services Of Southwest L XXXX this information is fraudulent

Company response to consumer: Untimely response
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was unaware that CITI Bank Best Buy Card enhanced debt protection was a paid service. It looks as though it is free but it is based on the amount of the credit balance. Since i had no balance when signed up it appeared as a service that cost {$0.00} per month. I had auto pay set up so I did not see a recurring charge for the enhanced debt protection. I had asked CITI Bank when I had enrolled and it was in 2011. I asked if I could be refunded as I did not know I was paying for this service and no refund was issued.

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 2025-05-08 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: CA

Complaint narrative:
These companies accessed my credit report without my authorization, damaging my credit and score. Despite assurances from an TransUnion representative that these inquiries would be removed, they remain. These unauthorized, potentially fraudulent inquiries raise serious concerns about identity theft and are adding undue stress to my life.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past 7 years. The account that closed then opened back up 30 days later that u said has no money in it but stayed open with a balance of XXXX  yet notes states Charge off like its me the one scamming and money used in that account might been used to steal money out my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one XXXX XXXX  XXXX is really effecting my credit report. They have the same account that has been paid off and closed repeated 6 times for no reason. I need this fixed asap please. How can they do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax.

Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation