vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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 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 2025-03-07 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: AZ

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 non-monetary relief
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
There are multiple inquiries on my credit report that I never authorized, and they are negatively impacting my credit score. I have never applied to these companies nor given them permission to access my credit file. I previously contacted Equifax regarding this issue, and I was assured that these inquiries would be removed. However, they still remain on my report. As someone who has already been a victim of identity theft, this only adds to my XXXX and stress, further damaging my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
The following items are on my credit report and is causing me to have issues financially. I would like to have them removed the following are the items. The following address. should be removed from my Equifax report, not my address 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This debt collection company has been trying to collect debt that IS NOT MINE. They are claiming that I owe XXXX and when I requested a breakdown of just a little over {$1000.00} but claimed that there was a balance forward of {$15000.00}. They were unable to explain where this amount came from. This is a rent debt and I paid my rent every month. When we moved out, they claimed there was some damage to the property which was accounted for in the breakdown, but at no point did I ever owe a balance of {$15000.00}. This is impossible to owe this much money without being evicted. They have called me, harassed me and after disputing this in writing with them in writing, they have continued to say that I owe a debt that I DO NOT OWE. I have requested proof of this alleged debt in the form of a contract bearing my signature and the contract only proves that I fulfilled my lease obligation and I would also argue that the very small amount of damage is simply wear and tear. This company is exploiting me by listing this outrageous debt allegation on my credit report which is stopping me from being able to obtain credit. This amount is totally inaccurate and this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY. This company has been given the chance to prove the accuracy of this account but they have failed to provide any proof other than a claim that they purchased this debt from another company who I also did not sign an agreement with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
My XXXXXXXX XXXX debt was placed in a receivership by Zwicker & Associates. I paid off the receivership about a year ago. I received the paperwork from the receiver that it was paid. That paperwork was sent to Zwicker & Associates at that time. Zwicker failed to file it with the court until recently. I have requested the final release of lien paperwork by phone and by email numerous times and am getting nowhere. This should have been updated on my credit report long ago, but my credit score is still suffering due to Zwicker & Associates ' negligence and refusal to send my documentation. I've also requested they update my address by phone and email several times, but they refuse to update my address in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Purchase Agreement and Removal from Credit Report Portfolio Recovery Associates , LLC, I am writing to formally request the purchase agreement for the debt referenced above, as well as any supporting documentation related to the alleged debt. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, I have the right to request and review documents to verify the accuracy and completeness of any information being reported to the credit bureaus, particularly regarding accounts in collections. Specifically, I request that you provide the original purchase agreement or contract that governs the transfer of the alleged debt from the original creditor to Portfolio Recovery Associates , LLC. 
Additionally, as per Regulation F of the FDCPA, debt collectors are required to provide adequate documentation and proof of the debt being collected. If Portfolio Recovery Associates , LLC is unable to supply the requested purchase agreement or any relevant documentation proving the validity of this debt, I hereby request that you remove this account from my credit report under the provisions of the FCRA. According to Section 605B of the FCRA, if you fail to verify or substantiate the debt within the required timeframe, you must delete the account from my credit history. 
Please note that your failure to comply with these requirements within 30 days will result in my formal request for the removal of this account from my credit report. 
I would appreciate your timely response, as required by law. If additional documentation or clarification is needed, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
On XX/XX/year> at XXXX pm I called Caine and Weiner at ( XXXX ) XXXX, and the woman was very rude, unhelpful and borders on verbally abusive. I called to let them know that I didn't think this was mine and that it was an inaccurate report on my report that I'd noticed. She asked what to verify that my address was what she said it was, and it's not. I told her that's why I don't think it's mine. She started raising her voice and said, " Well, we sent out letters. '' I responded, " well that's not my address so I didn't get them. '' She asked me what my address was and I told her, " that's not why I'm calling today because you don't have the right person, I don't think because it's not my address. '' " She proceeded to yell at me that if it's on my credit report as a debt then it's valid and I need to pay {$51.00} right now. '' She continued demanding money and said that I wasn't going to get it removed, and then hung up on me. I've also spoken with the insurance company directly and they weren't willing to help me or remove it before it went to collections. 

I want this taken off all XXXX credit reporting agencies, XXXX, XXXX, and XXXX effective immediately. XX/XX/year> @ XXXX pm. XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MI

Complaint narrative:
As I was going over my profile there were some inquiries listed 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 2025-03-07 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : 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 2025-03-07 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was already aware of how tough the economy is, but after reviewing my credit report, its clear that this situation is even worse. My report is filled with inaccurate information, and the stress its causing is overwhelming. As a consumer, I have the right to fair and accurate reporting, yet I find myself in a frustrating battle to correct errors that should have never been there in the first place. Its disheartening to deal with this, especially when these inaccuracies are dragging down my credit score and limiting my financial opportunities. It is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-03-07 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Hi I have XXXX credit cards with XXXX  and they charge credit card limit increase fees. I agree to pay interest and for some cards annual fees, but limit increase fee, its too much. I found this " The CFPB 's regulations ( specifically XXXX ) prohibit card issuers from requiring consumers to pay additional fees that would otherwise be prohibited, such as a fee for increasing the credit limit. " and they should consider this warning. I have been charged in XX/XX/XXXX and XXXX, {$49.00} each year and also on the card end XXXX, another limit increase fee for {$49.00}. I am looking to get these funds back and not be charged anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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