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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Date of Birth : My correct Date of Birth is XX/XX/year>. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current 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 2025-03-10 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: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. 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 2025-03-10 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: IL

Complaint narrative:
I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my Experian credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX CXXXXe XXXX, I formally request that Experian block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within four business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am consistently lied to about my payments and how they are allocated. I have been trying to pay off fees as well as get ahead on payments. they are not allocating payments properly and not allowing the fee to be paid off. I made over 4 payments to cover a XXXX and yet is it is still not covered which affects how much goes to the payment. They are not truly disclosing payment allocation causing less amount to go to principal. the company is manipulating things so that consumer pays more fees and interest than principal.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
On XXXX my ex husband recieved 19 new bills with my name no longer on them addressed & sent to him for old medical bills of mine. This company Express revovery is so fraudent. I called the u of u to see about this and they said these bills were mine XXXX XXXX not XXXX XXXX bills Express ( They ) bought the old debt & now are being relentless. They are calling at all times of day XXXX to me, him, neighbors, extended family members etc..nonstop. they are harassing everyone over this!!! 
Now billing him ( XXXX ) for My medical bills when we were no longer together during the bills services & he never once went to the dr . In 20 years. Too then He recieved 20 bills today with all different accnt numbers in his name and mailed.to him for datesof services that were my bills not his. I cant pay mu old bills & try to do XXXX XXXX  etc & I called a lawyer too but they said XXXX XXXX for a bankruptcy with my good credit since ita been a while is obsurd. & i called them disputing this but they were very verbally abusive & threatening. They wont stop saying we were married once so hes liable Hes not i know he is not ... .they aren't his bills or debt. Utah is not a community property state. We were split up then & now. Half of these bills i did XXXX XXXX on too thru the u ofu & they are being sold after that?? Huh? So im very confused!!! He isnt liable or the correct person stated on the bills. Its all a chaos scramble that they are lying trying to scare him & to get him so he'll Pay something so the statute of limitations will start over & stuff. I need help please.. i can send u all these bills they mailed him. & anything else u need.

I dispute all of this & these ways they are going about this. They wont send me the paperwork verifying that its my debt/ ( not his ) & the dates of service etc. Or any Paperwork they have from those dates of services. They wont do anything ive asked & listen that dispute there collections of him & me & dont believe anything they are trying to do. 
They are shady people caught up in ugly circumstances of someone's past & to then trying to get someone else to pay? Thats so wrong & illegal. Please help XXXX XXXX XXXX utah. XXXX XXXX

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding identity theft and fraudulent accounts appearing on my credit report. I have already taken several steps to resolve this issue with the credit bureaus ( XXXX, XXXX, XXXX ) and the involved creditors, but fraudulent accounts continue to impact my credit score, and I have not received adequate documentation or protection for my identity. Below is a summary of the situation : Background : Identity Theft Reported : I reported the identity theft to the credit bureaus ( XXXX, XXXX, and XXXX ) and filed an identity theft report with the Federal Trade Commission ( FTC ) as well as a police report, but fraudulent accounts still remain on my credit report. 
Involved Creditors : The fraudulent accounts are with the following institutions : Chase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attempts to Resolve : 1. Disputes with Credit Bureaus : I have contacted XXXX, XXXX, and XXXX to dispute the fraudulent accounts. However, the accounts remain open and no resolution has been provided. 
2. Fraud Investigation : I have reached out to each creditors fraud department to report the fraudulent accounts and request that they be closed. Unfortunately, I have not received clear documentation about the steps being taken to investigate the fraud or how my identity is being protected. In some cases, I did not receive a response. 
3. No Documentation Provided : Despite multiple attempts, I have not been provided with adequate documentation or written confirmation that these fraudulent accounts have been investigated, removed, or that any steps have been taken to prevent further damage to my credit.

Current Impact : Credit Score : These fraudulent accounts continue to affect my credit score, resulting in negative financial consequences, including difficulty obtaining credit, increased interest rates, and damage to my financial standing. 
Financial Hardship : The ongoing impact of these fraudulent accounts on my credit report has caused significant distress and financial hardship.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive been in communication with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consimer reporting agencies adobt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information ina manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c-2 Inaccurate Personal Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX 

You are required to do what I am asking and block the following personal information from being reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you 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 2025-03-10 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:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My correct Date of Birth is XX/XX/year>. 


XXXX. My employer is : XXXX XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current 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 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Alleged Debt To Whom It May Concern, I am writing to formally dispute any and all debts allegedly owed to your agency. I do not acknowledge nor have I ever incurred any financial obligation to the Consumer Financial Protection Bureau or any related entity. I request that you provide me with complete validation of this alleged debt, including a detailed accounting, the original creditors information, and any legal documents proving my obligation to pay. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand that any negative reporting related to this matter be removed from my credit report unless you can provide verifiable proof that the debt is legitimate and lawfully assigned to me. Additionally, I request that you cease any further collection attempts until this matter is fully resolved. 

Failure to provide adequate proof of this debt within the required timeframe will result in further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal counsel if necessary. 

Please respond in writing within 30 days of receiving this letter. If this debt is erroneous, I request immediate correction and written confirmation stating that I do not owe this debt. 

Sincerely, XXXX XXXX

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 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 — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Upon checking my report after hearing of a data breach, my credit was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
Back in the month of XXXX, I sent a letter out through XXXX to the address that is on my credit report. Lincoln Tech failed to contact me in regards to how much I could afford monthly to repay student loan debt. They have since been affecting my credit report as I have not been able to reach out to anyone, The debt has been sold to another Who has reached out to me twice. 
The school needs to fix what they are reported to my report or get rid of the debt completely as I am unable to afford the $ 200 monthly payment at this time.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally invoking my rights under the following federal laws, which mandate the accuracy, fairness, and transparency of consumer credit reporting : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) FCRA 1681n Liability for Willful Noncompliance Violation of FDCPA 1692e ( 8 ) Prohibition of False Credit Reporting Violation of TILA 1637 ( b ) Right to an Accurate Billing Statement Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) ( False or Misleading Representations )

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief