vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$680.00} XXXX XXXX * * * Balance Owed : {$350.00} XXXX  XXXX XXXX * * Balance Owed : {$71.00} XXXX  XXXX XXXX * * Balance Owed : {$240.00} XXXX  XXXX * * * * * * XXXX * * * Balance Owed : {$850.00} XXXX XXXX * * Balance Owed : {$54.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * Balance Owed : {$1000.00} XXXX XXXX  XXXX * * * Balance Owed XXXX {$860.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-04-17 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.
State: FL

Complaint narrative:
I have reached out to the credit bureau TransUnion and Experian about my XXXX  XXXX  account being reported as late.from XXXX and XXXX  I have sent out letters regarding this matter to them and they are reporting incorrect information on my credit.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX I paid my balance in full for a Citi Diamond Preferred Card ending in XXXX. I called the customer service line and spoke with a representative to request the account be closed. The representative tried to persuade me to leave it open because it doesnt hurt to leave it open and further tried to persuade me to transfer balance to the account. I ended the call and promptly called back to speak with a new representative. The representative during my second call confirmed the account was closed. He provided a confirmation number that I no longer have. On XX/XX/XXXX I opened my mobile app to find I had been flagged with a late payment. On XX/XX/XXXX the account had been charged interest on purchase made prior to XX/XX/XXXX, and later a minimum charge fee had been issued. If I had been instructed that the account would remain open I would have managed it in an ongoing fashion, as I had done the previous XXXX years the account was open. The representative gave me no indication that the account would remain open or further payment would be necessary. I find this to be unfair and deceptive practice having been instructed the account was closed and not given clear process information when prompted.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Email : XXXX Subject : Demand for Immediate Removal of Inaccurate Credit Reporting Dear AmSher Collection Services, I am writing to formally dispute the collection account reported by your agency on my credit report, dated XX/XX/XXXX. This account is inaccurate, unverified, and constitutes a violation of my rights under federal law. 
Violations Noted : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Page XXXX Dispute Letter to AmSher Collection Services - 15 U.S. Code 1692e - Prohibits false or misleading representations. 
- 15 U.S. Code 1692g - Requires debt validation upon request. 
XXXX. Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681s-2 - Obligates furnishers to report accurate information and correct inaccuracies. 
Despite my requests, you have failed to provide adequate validation of this debt, including a signed contract or proof of the original creditor. Reporting such unverifiable information is a direct violation of the statutes mentioned above. 
Legal Precedent : In FTC XXXX XXXX XXXX XXXX ( XXXX ), the court held that collection agencies must possess and provide adequate documentation to validate debts. Failure to do so constitutes a violation of the FDCPA. 
Demand : I hereby demand the immediate removal of this account from all credit reporting agencies. Failure to comply within XXXX calendar days will result in : - Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney General 's Office. 
- Initiating legal action in federal court seeking : - {$1000.00} per violation under the FDCPA. 
Page XXXX Dispute Letter to AmSher Collection Services - {$1000.00} per violation under the FCRA. 
- Compensatory and punitive damages for emotional distress and reputational harm. 
Please consider this your final notice. No further communication is necessary unless it is to confirm the complete removal of the disputed account. 
Sincerely, XXXX XXXX XXXX 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 2025-04-17 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 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: GA

Complaint narrative:
I have been a victim of identity theft as well as a victim of the Equifax Data Breach. There are inquiries on my credit report which I do not recognize nor do l have any knowledge of. I did not make these inquiries nor did I give any XXXX permission to use my personal information. The following accounts DO NOT belong to me : XXXX. * * XXXX - opened XX/XX/XXXX ( {$510.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX - XXXX XX/XX/XXXX ( {$1600.00} ). This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$5.00}, XXXX ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * XXXX XXXX XXXX Opened XX/XX/XXXX ( {$1400.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account. 
XXXX. * * DEPTEDXXXX Opened XX/XX/XXXX ( {$2500.00} ) This a fraudulent account as a result to identity theft. This account does not be long to me nor did I give anyone authorization to open this account.

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 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX is using this protected name in escrow and mortgage servicing notices without a valid license, assignment, or signed agreement authorizing use. Their continued use of this identity for servicing and account management is unauthorized and violates federal trademark, copyright, and consumer protection law. 

My name is protected under XXXX XXXX. No. XXXX, XXXX XXXX. XXXX, and assumed name filings in XXXX  and XXXX. XXXX has not provided validation of any servicing rights or a license agreement authorizing use of my name in commerce. This activity violates 15 U.S.C. 1125, 17 U.S.C. 501, and the Fair Credit Reporting Act. Despite their disclaimer language referencing bankruptcy, they continue to associate my protected name with ongoing servicing and lien-related 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 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX  is using this protected name in escrow and mortgage servicing notices without a valid license, assignment, or signed agreement authorizing use. Their continued use of this identity for servicing and account management is unauthorized and violates federal trademark, copyright, and consumer protection law. 

My name is protected under XXXX XXXX. No. XXXX, XXXX XXXX. XXXX, and assumed name filings in Nevada and Minnesota. XXXX has not provided validation of any servicing rights or a license agreement authorizing use of my name in commerce. This activity violates 15 U.S.C. 1125, 17 U.S.C. 501, and the Fair Credit Reporting Act. Despite their disclaimer language referencing bankruptcy, they continue to associate my protected name with ongoing servicing and lien-related 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 2025-04-17 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: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. XXXX XXXX  is using this protected name in escrow and mortgage servicing notices without a valid license, assignment, or signed agreement authorizing use. Their continued use of this identity for servicing and account management is unauthorized and violates federal trademark, copyright, and consumer protection law. 

My name is protected under XXXX XXXX. No. XXXX, XXXX XXXX. XXXX, and assumed name filings in XXXX  and XXXX. XXXX has not provided validation of any servicing rights or a license agreement authorizing use of my name in commerce. This activity violates 15 U.S.C. 1125, 17 U.S.C. 501, and the Fair Credit Reporting Act. Despite their disclaimer language referencing bankruptcy, they continue to associate my protected name with ongoing servicing and lien-related activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
On or around XX/XX/year>, a hard inquiry from XXXX XXXX appeared on my TransUnion credit report. I did not authorize this inquiry, have no relationship with XXXX XXXX and believe this is the result of identity theft. 

I have been a victim of identity theft twice, and in response, I submitted : A formal dispute letter by mail to TransUnion An attached police report and an additional case number filed with the XXXX XXXX XXXX XXXX In my dispute, I cited several protections under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ), 1681g ( e ), and 1681m ( g ), which require the removal of fraudulent information, verification procedures, and blocking rights for identity theft victims. 

I requested : XXXX removal of the inquiry Confirmation in writing A corrected credit report XXXX of any third parties who may have accessed my credit file related to this fraud Despite my timely and complete mailing, TransUnion has not taken appropriate action to remove the inquiry or respond. I am now seeking CFPB intervention to enforce my rights and compel the removal of this fraudulent entry from 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  I was in the market for an XXXX. I applied a couple places and was contacted by a company named my financing XXXX. This comapnies first fradulent act was having me sign paperwork under the premise that they were actually the loan holder when a company named Aqua Finance was in fact the third party loan issuer. I had no knowledge of this until the contract was already signed and when asked the deal had already been done. The company XXXX XXXX XXXX led me to belibe that they werecthe loan holder. However unbeknownst to me this company is known for it misleading marketing techniques and fraudulent practices. When i applied for the loan I was advised that I was approved for XXXX amount when in reality after signing the company changed the terms of the loan and i ended up owing the seller additional funds. In addition, the compamy misled me with their aggressive marketing and quick salesman pitches. They led me to believe that the XXXX XXXX which I'm actually paying for was a perk that was given free with the loan that they were offering. I only discovered that it was not after the lease was signed. I was also lied to about the tag, registration, and title fee. I was advised that it would be paid by Aqua Finance when in fact it had to be paid by me upon receiving the loan. The company did administer tags, however when they came the registration had to be paid and was not valid. Although i was falsely advised that they also took care of this. This company has been sued already for their shady and deceitful business practices and a class action has been filed. The class action was filed and victims were awarded previously as they have been known for these tactics. I was not aware of this information prior to. Lastly, the company falsely conducted business with me in lending under NO premise that this was a title or collateral loan. This company preyed on XXXX XXXX XXXX XXXX XXXX XXXX with their unclear marketing techniques and harassing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXX XXXX XXXX  Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of these items. If any of the information in question can not be substantiated with verifiable documentation, I ask that it be removed from my credit report to prevent any negative impact on my creditworthiness.

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 2025-04-17 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2025-04-17 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to formally dispute the student loan account ( s ) currently reported on my credit file. The reporting of this loan is inaccurate due to a significant breach of my personal and financial data, in direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

My educational records and personally identifiable information were accessed and compromised without my consent, resulting in the unauthorized exposure and misuse of sensitive data. This data breach constitutes a clear violation of federal law and calls into question the legitimacy of the student loan account ( s ) being reported under my name.

As such, I am requesting the removal and cancellation of the disputed student loan account ( s ) from my credit file and all relevant databases. The affected information should be deemed invalid due to the unlawful circumstances under which it was processed and maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was scammed into transferring a large amount of business money from an XXXX XXXX 
* XX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a personal account named XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX XXXX with the amount {$20000.00} XXXX XXXXXX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a company called XXXX XXXX XXXXXXXX XXXX XXXXXXXX through XXXX XXXX XXXX XXXX with the amount {$30000.00} * XX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a company called XXXX XXXX XXXX BANK OF AMERICA, XXXX XXXX with the amount {$40000.00} * XX/XX/XXXX My sister transferred money from XXXX XXXX XXXX XXXX to a personal account named XXXX XXXX XXXX through BANK OF AMERICA, XXXXXXXX XXXX with the amount {$60000.00} * XX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) through BANK OF AMERICA, XXXXXXXX XXXX with the amount {$100000.00} * XX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a personal account named XXXX XXXX through XXXX XXXX XXXX XXXX  with the amount {$20000.00} * XX/XX/XXXX I transferred money from XXXX XXXX XXXX XXXX to a company called XXXX XXXX through XXXX XXXXXXXX XXXX XXXX  with the amount {$13000.00}

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 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on it. Please remove this account from my report ; it's hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief