vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On XX/XX/year>, Source Receivables Management put a collection for a T-Mobile account that was previously disputed as a fraudulent account onto my credit report. I am not liable for the debt with Source Receivables Management. I do not have a contract with them nor did they provide any contract signed by myself to the original creditor T-Mobile. I never signed any contracts and they haven't provided information validating The amount I owe, The date I incurred the debt, The date of the last payment or Evidence that connects me to the debt. This account was previously disputed as fraudulent under a different company 's name but for the original creditor T-Mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The 15 U.S.C. code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing.

A debt collector must assume a convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location.

Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXIA FINANCIAL, LLC
State: NV

Complaint narrative:
XXXX report shows " Transferred ; was 60 days past due date ''. In late XXXX of XXXX  we had some financial hardships with employment caused by the XXXX XXXX Pandemic. I called my mortgage company XXXX XXXX XXXX for options for mortgage assistance. They suggested a XXXX XXXX Forbearance which would pause mortgage payments from XX/XX/year>- XX/XX/year>. I asked the phone agent if this would affect my credit report/score. They said " No, not while in forbearance ''. The agreed upon forbearance was for 3 months. My plan was to make the balance paid and resume normal mortgage payments before the 3 month forbearance ended. The phone agent told me to call back after the 2nd month to discuss further assistance/options in case I needed them after 3 months. When I called in May, the forbearance servicer for XXXX XXXX said my mortgage/loan had been sold/transferred to a different Mortgage Company ( XXXX ). I tried to ask for more information, especially in regards to my forbearance agreement. However the phone agent told me they can no longer help me since the loan has been transferred/sold. They told me to wait until the transfer has been complete. I called XXXX Mortgage and asked for information regarding my mortgage and forbearance agreement. XXXX phone agent told me that I would have to re-apply for mortgage assistance/forbearance assistance since the agreement was not with them. I made sure to ask XXXX what would happen about the balance accrued during forbearance and they said in order for it to not show past due, I must pay the past balance before the 3rd month came up. I paid the mortgage to current with XXXX immediately ( before the forbearance would have ended ). I feel though I have been lied to or at least a huge miscommunication. I would not have agreed to a 3 month forbearance with no mortgage payments if it would have affected my credit. I have tried to dispute with XXXX but the dispute goes nowhere. The other 2 bureaus do no show anything in regards to 60 days late. I believe this a mistake to show my account as 60 days past due. It greatly affects my credit for future financial needs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX, I contacted a rental property inquiring about an apartment. I was asked by the agent ( XXXX ) to complete a TransUnion credit check and provide a credit report. I completed the form and was told to pay {$33.00} to receive a credit report. They took my payment, but did not give me the report. I tried calling their customer service to cancel, but can not get through to cancel my membership. I have the charge on my credit card, but no option to cancel the services through their customer support phone line and their website. Here is the website I was directed to : https : //rebrand.ly/transunion-check I called my bank to try to dispute the transaction, however, it is still pending. I also asked them to flag any suspicious activity.

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 2025-03-19 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: TX

Complaint narrative:
I need this account to be removed under 15 USC XXXX section 602 States i have the right to privacy 15 USC XXXX section 604a section 2 a consumer reporting agency can not furnish an account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: FL

Complaint narrative:
To whom this may concern This is a reply to the CFPB via As stated in your letter Edfinancial Services ( Edfinancial ), as a contractor to the U.S. Department of Education ( ED ) which means Edfinancial is a third party company and is not owned nor controlled by common ownership of U.S department of education. Therefore your company should not have my nonpublic personal information that is a direct violation of federal laws. This account will now be considered aggravated identity theft. 

18 U.S. Code XXXXA - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Sending false validation letters through the mail is concerned mail fraud and trying to collect money for this scheme is called extortion. 

I gave the U.S Department of Education my consent not to your company Edfinancial nor can anyone else give you consent but me the consumer. That violates FDCPA 15 U.S.C XXXXe ( 1 ) by falsely representing or implying that Edfinancial are affiliated with the United States of America. Being a student loan servicer is not enough to justify permissible purpose furnishing this account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against National Credit System Inc. for failing to uphold an agreed-upon pay-for-delete arrangement regarding a collection account on my credit report. Below are the details of my complaint : Account Information : The collection account in question was related to a debt owed to an apartment complex. Upon contacting National Credit System Inc., I spoke with their representative XXXX XXXX XXXX at ( XXXX ) XXXX regarding the possibility of removing the account from my credit report in exchange for full payment. 

Agreement Made : On XX/XX/2025, during our phone conversation, XXXX XXXX explicitly confirmed that if I made the payment in full, the account would be removed from my credit report. Based on this agreement, I proceeded with the payment. 

Failure to Remove the Account : After 30 days, I checked my credit report and found that the account had not been deleted. I contacted National Credit System Inc. multiple times, and each time they reassured me that the removal was in process and that I needed to wait. After the 30-day period expired, I called again, only to be informed that they do not delete accounts, contrary to what was initially promised. 

Evidence of Deceptive Practices : National Credit System Inc. states that their calls are recorded and monitored. Therefore, there should be a record of the conversation where their representative assured me that the account would be deleted upon payment. I also have records of my calls and timestamps proving that this agreement was made. 

Violation and Harm : Their failure to honor this agreement constitutes deceptive and unfair business practices. This collection account continues to damage my credit score, negatively impacting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent charges on my credit report .please remove these account from my report they are hurting my ability to abstain credit 15 us code XXXXc 15 us code XXXXg 15 us code XXXX e ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

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 XXXX XXXX XXXX XXXX. 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 XXXX 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 2025-03-19 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I am filing this complaint against Experian for knowingly reporting and allowing false and inaccurate information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and failing to conduct a lawful reinvestigation of my disputes. 

I have disputed these accounts three separate times, yet Experian has failed to correct the errors, violating my rights under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX. XXXX XXXX XXXX False Reporting of Charge-Offs ( XXXX Violations {$24000.00} ) ( FCRA 15 U.S.C. 1681e ( b ) ) The account has a {$0.00} balance, yet Experian continued reporting charge-offs for 24 months after the alleged last payment in 2021. 
A charge-off can only occur once, but Experian falsely reported charge-offs in XXXX different months, harming my credit score. 
Total Violations : XXXX Requested Compensation : {$24000.00} XXXX. Failure to Conduct a Proper Reinvestigation ( XXXX Violations {$3000.00} ) ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I disputed these inaccuracies XXXX separate times, yet Experian has failed to correct them. 
Each failure to conduct a proper reinvestigation is a separate violation. 
Total Violations : XXXX Requested Compensation : {$3000.00}

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 2025-03-19 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: MS

Complaint narrative:
There are multiple companies reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me 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 explanation
Consumer complaint received 2025-03-19 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: MS

Complaint narrative:
There are multiple companies reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me 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 2025-03-19 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-19 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00}

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 2025-03-19 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: CA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXXb of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00}

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/25 I mailed a letter to Transunion Smartmove requesting a copy of my consumer file and they did not respond at all and it has been 30 days. 

I am fiing this complaint with the CFPB so that I can get help with this issue. It is my right to request a copy of the information that any consumer reporting agency has that relates to me. 

Attached to this complaint I've included a copy of my ID and Social to verify my identity and my current address. I also inculded a copy of the original letter that was sent to Transunion Smartmove.

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 2025-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX in the early morning, I called Citizens Bank to explain that they had removed an additional HELOC mortgage payment from my XXXX checking account. Although I had agreed to automatic withdrawal payments- I did NOT agree to this AFTER we sold the house and I no longer maintain a mortgage with them ( balance was XXXX on that date ). 

We closed on our house XX/XX/XXXX & they were notified the mortgages were closed since the final payment was wired to them on that date ( please note wiring arrangements are required at a cost of {$220.00} per wire since there were 2 loans ). Citizens has received their payments in full and continued to take payments from our account. 

Having called the customer service line a multitude of times starting XX/XX/XXXX at XXXX ; the first call the service representative said the payment was a mistake and would not go through the entire process thus reversed that same day. The funds were extracted on XX/XX/XXXX. 

Having made a multitude of calls XX/XX/XXXX and moved from one service provider to another, Citizens Bank has not attempted to reverse the charge on my account after acknowledging their error. ( Please note - this is NOT a request for refund of other escrow/third party amounts. ) In addition, Citizens Bank extracted an additional {$600.00} at closing, some of which will be refunded after paying the state of MA a fee for deed transfer. Adding the excessive closing extraction and the additional mortgage payment exceeds {$3000.00} taken from our checking accounts. 

Lastly, the customer service team told me today we are required to go to a Citizens Bank and re-open the line of credit in order for a check to be created and sent as a refund of funds STOLEN from us. Said refund, could take up to XXXX business days not including mailing the check. 

Since they required a $ XXXX wire transfer to pay-off each loan at the closing, I have asked Citizens Bank to wire the funds back to us in the same manner they expect clients to comply. I was told NO WAY that was going to happen, the best thing they could do was expedite the payment AFTER we go and re-open the line of credit we DO NOT want to re-open. 

Many thanks for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation