vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following accounts must be removed immediately : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This is a follow up complaint from complaint XXXX. 
Its been over 6months and still they havent made the slightest of progress on my account. Not even a mention of what I did to violate, and why is the investigation over the legal amount of time to complete an investigation? They are trying to rob me straight up. {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX has not removed the sold unverifiable debt that was sold to TSI collection from my public records. I never stayed in XXXX and I do not owe rent for XXXX. My rights are violated 15. U.S.C 1692C I never authorized the company to put anything onto my credit report. TSI nor XXXX has sent me any VALIDATION of debt letters. Its no proof of me owing. TSI has not sent any letters stating I do not owe for XXXX XXXX. 

The Fair Debt Collection Practices Act ( FDCPA ) is codified as 15 U.S.C. 1692-1692p was not practiced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: TX

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 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
Dear Vance & Huffman LLC, Re : Debt Validation Claim Request under the Fair Debt Collection Practices Act ( FDPCA ) - 15 USC 1692g I am writing to formally request validation of the debt referenced by account ( Vance & Huffman LLC has not provided an account number ) in accordance with the Fair Debt Collection Practices Act ( FDPCA ), specifically 15 USC 1692g. 

Please provide the following information regarding this account : - A full detailed list of the payment history of this account - A copy of the original signature that I agreed to on the contract for this creditor - A complete chain of title that demonstrates your right to collect on this debt - As per the FDCPA, you are required to respond to this request within 30 days of receipt. Failure to provide the requested validation may result in your inability to collect this debt, and I may dispute this debt with the Credit Reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I never applied for. The FCRA requires credit bureaus to maintain accurate and fair consumer credit information and to investigate disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I was a full-time student with my federal loans in deferment, serviced by Edfinancial. I recently discovered that my Direct Unsubsidized Loans had accrued over {$4000.00} in interest during that periodwithout a single statement, alert, or proactive communication informing me that this was happening. 

I understand that unsubsidized loans accrue interest during deferment. However, I believe it was negligent for Edfinancial to allow years of interest to build up without providing any regular account updates or balance change notifications. Other types of lenders ( credit card, auto loan, mortgage ) are required to issue statements regardless of payment due, and student loan servicers should be held to the same basic transparency standards. 

Had I been notified, I would have made interest-only payments and avoided thousands in added debt. Instead, I was left unaware until after the interest had accrued significantly. This lack of communication caused real financial harm, and I believe it reflects a broader issue in student loan servicing that deserves regulatory attention. 

I am requesting that Edfinancial provide me with a full interest accrual timeline and an explanation for their lack of notification, and that the CFPB investigate whether this practice violates any borrower protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: CA

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 XXXX 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 2025-05-09 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am reaching out to MIDLAND CREDIT MANAGEM to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/year> Balance : {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Im submitting this comment as a cry for help. I opened a credit card account back in 2024. I graduated college, had recently got a new job after college, had to move, then got hit with {$3000.00} repair bill for my car. This made me have to rely on my credit cards more than expected. Throughout the year, i set up an account to pay the card but due to having to take money in and out and bad budgeting, i had insufficient funds payments. This is my first credit card and i thought that only affected me via fees, I didnt think my account would be closed. Once it was closed, I was sad, but I was determined to get it paid off. I opened the account in 2024 and got rewards for my spending and was planning on using it for a trip. However, I didnt know that the rewards would go away if the account was closed. I know its been a while since the account was closed, but I was so focused on paying off the balance, using the rewards was the least of my worries. I assumed the points would just subtract from the balance, but I was naive and stupid. Im pleading to have my credit card account reinstated for the sapphire preferred and have the points back. It would help me a lot and chase can see Im a loyal customer by paying them back. I would just like XXXX more chance with my new knowledge and I wont let it get closed again! 

I know I dont deserve this, but if you could consider giving a recent college grad a break in this economy it would help so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UPGRADE, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX contacted a person whom I have a lifetime protective order against due to jeopardizing my safety ... to try to locate me. 
They have called my jobs both past and present, My family, old friends, and coworkers. 

These tactics are not only tactless but are now jeopardizing my safety XXXX. Fair Debt Collection Practices Act ( FDCPA ) Federal Law This law prohibits debt collectors ( not original creditors ) from engaging in harassment or contact that is abusive, deceptive, or unfair. 

If you have a protective order against a specific person, and that person is the XXXX contacting you on behalf of a creditor, then : Contacting you may violate both the FDCPA and the protective order. 

Even without a protective order, the FDCPA prohibits : Repeated or harassing calls Contacting third parties ( other than your attorney ) Contacting you if youve notified them in writing to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed a charge off that appears on my credit report as XXXX under the name XXXX XXXX. This item does not belong to me and when I disputed the item the first time, it came back as verified. I have disputed the item a 2nd time requesting proof this item belongs to me as well as I contacted the creditor asking them for information showing this account belongs to me. 

The creditor responded with a letter stating they don't have information regarding the account and to direct any correspondence to XXXX XXXX XXXX XXXX, to whom the account was sold to. As such, this account should be removed from my credit report as the actual creditor is stating they don't have any information for me. So they should not be adding negative items to my report. Also, the report shows consecutive late payments on XXXX and XX/XX/XXXX. Both show 60 days each. However XXXX and XXXX only show ND and does not show 30 days late. So it is impossible to show 60 days late without first being 30 days late. So that is another discrepancy. When this was brought to the attention of supervisor XXXX with agent number XXXX on XX/XX/XXXX they refused to remove the discrpency and said I should me a XXXX dispute.

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-09 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: NC

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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