vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-10 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:
please see letter attached- I am writing to formally report fraudulent activity involving accounts that I recently discovered in my name. Upon reviewing my financial records and credit report, I identified multiple unauthorized accounts that I did not open or authorize.

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 2025-03-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
Greeting, Around XX/XX/XXXX We requested for a mortgage payment with XXXX XXXXXXXX XXXX, the company currently holding our Mortgage, to put XX/XX/XXXX and XX/XX/XXXX payment at on the end of our loan. We ask this because we had a XXXX XXXX They agreed and told us how long it would take, and started the process. after they approved to put a payments at the end they came up with a payment plan, in which then our payment would be {$1500.00} per month for three months. Starting XX/XX/XXXX We started our new payment plan. Then on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  contacted us saying our mortgage was being reported as late and did we need help. I responded and told them we are not late and I will get with XXXX XXXX. I called them the same day and they assured me we were not late and not reported as so. 
We got another email from XXXX that stated the same thing we bein reported as late. When I called back I got another associate and she stated that as long as we were on the program we would be reported as late. why didn't they tell us that before offering that program we would have never accepted it. I told them to remove us from the program, and remove the late from our credit report, because technically we have not been nor or we late on any payments. XXXX XXXXXXXX XXXX  has done a great injustice to me and my family by putting us on a destructive program that was never meant to help us, but to put us in a debt so deep that it would be hard to climb out of, and destroy our name and Credit Rating! I have lost clients and business deals because we are being reported late on our mortgage. It is a very stressful situation and we want it removed from our credit file as not to cause anymore damage. We believe XXXXXXXX XXXX is a deceitful company and prey on XXXX XXXX people. We did reach out to the Chief finance XXXX XXXX XXXX but have had no response as of this day.Please help, us write this horrible wrong Thank you in advance XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX, hereafter referred to as XXXX XXXX XXXX XXXX  ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under the Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. To ensure visibility, transparency, and timely resolution of this matter, this complaint has been submitted to the following agencies concurrently. Please refer to the attached complaint and supporting materials for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX ACCORDING TO 15 U.S.C 1681n, YOUR COMMUNNICATION IS IN VIOLATION OF MY LEGAL RIGHTS. I FORMALLY REQUEST THE REMOVAL OF THIS INQUIRY FROM MY CREDIT REPORT AT YOUR EARLIEST CONVENIENCE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the Balance of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
he account was closed on XX/XX/2015, and has not been active since then. Despite this, it continues to appear on my credit report as an outstanding debt.I have sent multiple letters to [ name of company/creditor ] notifying them of this issue and requesting the removal of the account from my credit report. However, I have yet to receive any response or confirmation that the account has been deleted.I am requesting that the company investigate this matter and remove the outdated account from my credit report as it is more than seven years old and no longer valid. I would appreciate a prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX, submitted to your agency onXX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX How many times must I address these inquiries with your department? I am aware that these creditors have their own internal fraud procedures, but I must ask : who permitted these creditors to access my credit file without my consent? It was Equifax, not them. Therefore, Equifax is ultimately responsible for these inquiries occurring in the first place. Your failure to handle this matter diligently reflects poorly on your performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Velocity Portfolio Group
State: FL

Complaint narrative:
Company agreed to delete account and has refused to delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not liable for this debt of {$510.00} with LVNV FUNDING LLC, XXXX I do not have a contract with LVNV FUNDING LLC , they did not provide me with the original contract as I requested my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. The fraudulent account on my credit report XXXX XXXX XXXX. This is not my account and inaccurate.

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 2025-03-10 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: CBC Companies, Inc.
State: CT

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that this debts is mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. Unfair Trade Practices and Consumer Protection Law by failing to provide transparency and accountability in your collection practices.

Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer report.

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information.

Specifically as it relates to credit inquiries that the following company did not have a permissible purpose per the FCRA Section 604 ( c ) ( 1 ) : I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Item Dear [ Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute an inaccurate item on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed account is as follows : Creditor : XXXX XXXX XXXX XXXX Account Number : [ Last Four Digits : XXXX ] Status : Collection/Charge-Off Balance : {$16000.00} This information is inaccurate, and I am requesting its immediate investigation and removal from my credit file. Under the FCRA, you are required to ensure that all reported information is accurate, verifiable, and fair. If the furnisher of this information can not substantiate its validity, it must be deleted. 
Legal Basis for My Dispute 1. Failure to Provide Proper Validation Under 15 U.S.C. 1681s-2 ( a ), data furnishers must ensure the accuracy of the information reported. If the creditor can not provide full validation, including original signed agreements and full accounting history, this account must be removed. 
2. Inaccurate Reporting Beyond the Credit Limit The reported balance exceeds my original credit limit of {$15000.00}. This raises questions about the legitimacy and accuracy of the balance, violating 15 U.S.C. 1681e ( b ).

3. Incorrect Charge-Off Reporting According to federal regulations, a charge-off is an internal accounting action and should not be continuously updated as a delinquent debt. If this is being reported inaccurately as a current obligation rather than a historical notation, it is misleading and must be corrected under 15 U.S.C. 1681i ( a ).

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 2025-03-10 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting 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 2025-03-09 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: Creditors Bureau Associates
State: FL

Complaint narrative:
Company agreed to delete account and has refused to delete the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I got scammed out of XXXX dollars on cash app and they were not willing to help recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOMENITY/XXXX  I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX if you fail to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-09 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:
XXXX deleted and XXXX deleted the bankrupt that was dismissed two weeks after it was filed two years later on my behalf but Experian and Equifax refused to and I submitted proof of dismissal documents from the judge I never met that dismissed it and the court document all by certified mail but their response was to contact XXXX the reporting agency. The reporting agency Supervisor and I had a conference call stating they were no longer reporting it. Just the run around from Experian and Equifax to ruin my credit. XXXX did not have a problem and this was 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