vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Someone hacked my checking account on Friday, XXXX XXXX. Of {$1000.00} Ive asked chime which whom is the bank account under to dispute this transaction that I did not make. They have told me that its going to take 90 days which is three months to dispute this transaction. This is something that is not fair to me as their customer and also someone who trusted them with them your money going into their establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, I am writing to formally dispute a fraudulent account and a negative item that has appeared on my credit report as a result of Equifax XXXX breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within XXXX ( XXXX ) business days upon receiving proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, I am writing to formally dispute a fraudulent account and a negative item that has appeared on my credit report as a result of Equifax XXXX breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within XXXX ( XXXX ) business days upon receiving proper notification.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am submitting this complaint regarding ongoing harassment and inaccurate debt collection efforts by a third-party collection agency that claims to have acquired a debt from OneMain Financial by the name of XXXX XXXX XXXX XXXX 

This debt is not mine, and I have no knowledge of ever owning or being associated with this account. Despite this, the collection agency has taken the following actions : Repeated and harassing phone calls from multiple, unauthorized numbers, often leaving voicemails urging me to call them back. 
Persistent emails demanding payment for a debt I do not owe. 
Attempts to pressure me into accepting responsibility for a debt without providing any valid documentation or proof of ownership. 
The account has also been improperly reported to the credit bureaus, negatively impacting my credit profile and financial standing. 
I received a notice from OneMain Financial stating that the credit bureau had reached out to them regarding this account, yet OneMain has provided no explanation as to how or why this debt is connected to me. 
I have filed multiple disputes and complaints, but the collection company continues to claim this account is mine without providing any verifiable evidence. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) due to the harassment and failure to cease collection efforts after being informed the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This chargeoff is being reported with a past due balance and late 120 days. It is agianst FCRA for a charge off to be reported on a credit report with a past due balance and late status. This company does not have the right to be reporting anything on my credit report. Canceled debt is considered income and it is illegal for income to be reported on a credit report. I need to see the contract between this debt collector and the original creditor. I also need to see the truth of affidavit. This account needs to be removed from my credit report for innacuracy and breaking FCRA laws. I have reached out several times to have this disputed and removed from my credit report. Everytime I dispute it they say it came back verified. No one has given my any record of how it was verified or any of the information i request. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. This is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CreditFresh, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Estoppel by Silence Cease and Desist Collection Activity Immediately Account Number : XXXX To Whom It May Concern : This correspondence serves as a final notice and demand regarding the alleged debt associated with the above-referenced account. On XX/XX/XXXX, I formally requested validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. To date, you have failed to provide any legitimate documentation verifying the validity or ownership of the alleged debt. 

On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Case # XXXX. In response, on XX/XX/XXXX, your company stated via email that my concerns were addressed in a message dated XX/XX/XXXX. However, as of today, I have not received any legally compliant validation of the alleged debt. 

Under 15 U.S. Code 1692g ( b ), once a consumer disputes a debt in writing within 30 days of receiving a collection notice, the collector must cease all collection efforts until debt verification is provided. Your failure to do so is a clear violation of federal law. Additionally, under 15 U.S. Code 1692d, your daily barrage of phone calls and robocall voicemails despite my registration on the National Do Not Call Registry constitutes harassment and a breach of both the FDCPA and the Telephone Consumer Protection Act ( TCPA ), 47 U.S. Code 227.

Moreover, your failure to respond in a timely and lawful manner invokes the doctrine of Estoppel by Silence, which presumes your acceptance of the dispute and the invalidity of the debt.

Accordingly, I am demanding the following actions be taken immediately : 1. Cease all collection activities related to this account.

2. Remove all reporting of this account from XXXX, XXXX, and XXXX. 
3. Provide a written confirmation that this account has been closed and removed from all consumer reporting agencies.

Failure to comply within 10 business days will result in further legal action and additional complaints being filed with the CFPB, the Federal Trade Commission ( FT
C ), the Texas Attorney Generals Office, and any other applicable regulatory or legal authority. 

Let this serve as your final notice. Any further communication must be in writing and must contain complete and lawful validation of the alleged debt, as originally requested. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-09 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Someone stole my identity and information in XXXX of 2019 in order to obtain an apartment at the XXXX at XXXX XXXX XXXX in XXXX, Georgia. I have never lived at this place, never signed any documents or spoke to anyone at their office. Was never served any letters or eviction notices. This was reported as fraud.. A police report was taken. National Credit Systems Inc. ( XXXX ) XXXX is reporting a collection against me for {$7200.00} without and justification or proof. I need all supporting documents that they have that proves they have the right to ruin my credit or remove this debt from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-04-09 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: NY

Complaint narrative:
These are accounts on my profile that are unauthorized! I'm directly affected by the XXXX XXXX breach. 
XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX Also these unauthorized inquiries 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 2025-04-09 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:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected.

Inaccurate Information : 1. **Wrong Addresses : ** - **Incorrect Address # 1 : ** XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX **Incorrect Address # 2 : ** XXXX XXXX XXXX XXXX, MA XXXX - **Correct Address : ** XXXX XXXX XXXX, FL XXXX 2. **Incorrect Names : ** - **Incorrect Name # 1 : ** XXXX XXXX XXXX XXXX **Incorrect Name # 2 : ** XXXX XXXX XXXX XXXX **Incorrect Name # 3 : ** XXXX XXXX XXXX - **Correct Name : ** XXXX XXXX 3. **Wrong Employers : ** - **Incorrect Employer # 1 : XXXX - **Correct Employer : ** XXXX XXXX Actions Requested : 1. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
2. Correct Name : Please ensure that only my correct name, XXXX XXXX, is reflected on my credit report. 
3. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID.- A copy of my Social Security Number.- A copy of document showing my correct address. 
Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that Experian promptly investigate and correct these inaccuracies. Please XXXX XXXX in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Please remove these collection accounts XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
I am a victim of identity theft. Please remove these collection accounts XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
In XXXX, Zarzaur and Schwartz, P.C. placed a lien on my home for {$9000.00}, without my knowledge, for a debt to XXXX that I paid. I have proof that the debt was paid. I discovered the lien this year when I needed to make a financial transaction using my homes equity. This illegal lien has been on my home for XXXX  years without my knowledge and is now causing unnecessary financial hardship. I contacted Zarzaur and Schwartz and asked them to remove the lien. The claimed to have filed a letter of FULL SATISFACTION OF RECORDED JUDGEMENT to the XXXX XXXX in XXXX XXXX, XXXX, but the probate court has received nothing and the lien is still on my home. I then requested that they give me a copy of the letter to take to the court myself. They provided me an unsigned, useless document that states the judgement is satisfied in full, but the court can not accept it without a signature. I have records that show the debt is paid and I have a record of my conversations with Zarzaur and Schwartz, P.C. They have failed to take action to remove this illegal lien and it has caused significant financial hardship of more than {$60000.00}. I am requesting that immediate action be taken to remove this lien and to stop this collection agency from violating my rights. They are in violation of the Consumer Credit Protection Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this discrepancy came out of nowhere. I even refreshed the browser thinking it might be a glitch, but the inquiry remained. I'm extremely frustrated and demand that the documents I submitted be reviewed immediately so I can stop stressing over this.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-04-09 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the informations I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, proof of address, and identity theft letter.

Company response to consumer: Closed with non-monetary relief