vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have being receiving calls and threatening messages from a collection agency about a XXXX gift card or credit sale card that they claim I owe. I receive not less than XXXX a day from the collection agency about this debt I know not of and tried clarifying and understanding what was going on but they agency seems to only what to push me to pay for it without proper explanation or verification and now my job receives mail from this debt collection agency and repeated, distraught and coercive calls to my spouse and relatives asking them to make the payments or if they recognize the purchase. Theyve used these numbers XXXX, XXXX to harass me, my relatives and work place using different numbers and mail address to harass. Also releasing my information and data to public or other companies in advance to collect the claimed debt. Amount I was told is around {$700.00} but from a different called I was also told {$300.00}. Not consistent on amount of debt but keep harassing my relatives through their phone about this and sending unsolicited mails to my workplace about this debt putting my information and personal matter in public spaces and risking people seeing my information as they are sending mails to my work address. Theyve proceeded to add this debt on my credit and Id like to resolve this and most importantly to stops the harassment on my family and trying to coerce me and other people. Exposing my personal data and info to public and public space by sending unexpected mails repeated calls and aggressive tone and response when trying to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity can you please remove this information as its making it hard to obtain 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have had an XXXX XXXX credit card account since XX/XX/XXXX. I was set up on auto pay for payments to ensures I would never be late as I am working hard to repair my credit so I am able buy a home in the future. 
I received an email confirming the auto pay schedule as I do every month on XX/XX/XXXX and I saw my payment scheduled for XX/XX/XXXX ( due date ) in the email. Then I even double checked on the portal to ensure my automatic payment was scheduled and it was. On XX/XX/XXXX I received an email that I had been unenrolled from auto pay which I did not request or authorize. 
Then on XX/XX/XXXX, I received another email from XXXX saying my payment was late and I had been charged a late fee. I immediately went to my portal to see that my scheduled payment for the XX/XX/XXXX never occurred. I tried a chat agent who was obviously a bot because they could not comprehend what I was telling them and kept repeating my account was past due. I then asked it to close my account effective immediately. I also sent an email via their website requesting cancellation as well. This is XXXX of many problems I have had with this subpar company. They have been charging me for credit protection that I never signed up for since last year and I have requested several times for them to remove the charges but they never have. There are always hidden unexplained fees on my statement every month. I got the card because they promised an increase after 6 months of on time payments. I inquired many times about this but it did not happen either.

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 2025-05-07 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app took my money when trying to reach out to them there no number to talk to no one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Attached : POLICE Report ( XXXX ) complete Identity Theft report ( XXXX ) Copy of consumer disclosure report,3 forms of identification and residency i have already removed this account as identity theft. This account is being illegally sold to any debt collector who wants to buy. I filed a police report ( XXXX ) on XX/XX/year>XXXX XXXX XXXX  for identity theft FTC XXXX ( XXXX XXXX XXXX has now sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX ). This account is fraudulent and should not be reported. attached is the previous deletion of the T-mobile account that is now bought by radius global. Attached : Police report, identity theft report, prior deletion and my information to verify the deletion pursuant to the FCRA. 
if i would have received the proper correspondence i would have mad radius global aware. but i never received anything which is also illegal to report information without confirming if it is accurate or not. this double jeopardy is illegal and if it is not removed in 4 days i will pursue legal action pursuant 1681c2. Block of information resulting from identity theft 1681o. Civil liability for negligent noncompliance 15 U.S. Code 1681i - Procedure in case of disputed accuracy Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2025-05-07 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: CA

Complaint narrative:
Attached : POLICE Report ( XXXX ) complete Identity Theft report ( XXXX ) Copy of consumer disclosure report,3 forms of identification and residency i have already removed this account as identity theft. This account is being illegally sold to any debt collector who wants to buy. I filed a police report ( XXXX ) on XX/XX/year> XXXX XXXX for identity theft FTC XXXX ( XXXX XXXX XXXX has now sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX ). This account is fraudulent and should not be reported. attached is the previous deletion of the T-mobile account that is now bought by radius global. Attached : Police report, identity theft report, prior deletion and my information to verify the deletion pursuant to the FCRA. 
if i would have received the proper correspondence i would have mad radius global aware. but i never received anything which is also illegal to report information without confirming if it is accurate or not. this double jeopardy is illegal and if it is not removed in 4 days i will pursue legal action pursuant 1681c2. Block of information resulting from identity theft 1681o. Civil liability for negligent noncompliance 15 U.S. Code 1681i - Procedure in case of disputed accuracy Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: VA

Complaint narrative:
This is in response to complaint XXXX as XXXX XXXX XXXX claims my account only shows receipts for 1 payment and not a payment for around {$2300.00}. I have attached my bank statement from my XXXX account where I purposely transfered the funds to to pay XXXX in the amount of {$2200.00} with a reference number of XXXX on XX/XX/scrub> 2025. I then paid them the amount of {$7600.00} on XX/XX/year>2025. However they claim i never made a payment for around {$2300.00} in response to my complaint on page 3 at the bottom. I have uploaded my bank statement for XXXX showing the payment and their response as well to my complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Onemain financial attempted to initiate legal proceedings in a judicial district in which I do not reside and where no contract was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: WY

Complaint narrative:
EQUIFAX Subject : Failure to Investigate and Correct Credit Report Errors Equifax has failed to properly investigate and correct multiple accounts I formally disputed in writing on XX/XX/year>. This includes charge-off accounts from XXXX XXXX and XXXX, and inaccurately reported lates from XXXX XXXX XXXX  XXXX No adequate response or correction was received within 30 days, in violation of FCRA 1681i. I am requesting CFPB enforcement to ensure these inaccurate items are removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Hey Equifax! This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been updated as charged off every month, I have notified you multiple times already and this is really affecting my credit score, Theses updates on payment history affect my credit score. A charge off account should not include an active payment history ; this inaccurate information falsely manipulates the statute of limitations. This violated my right according to the law .You failed to investigate this account properly and your neglect has violated my rights I am demanding to please a deletion of the following account : -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir or Madam : I am a victim of identity theft. The information listed 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. 

Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-05-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXXXXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXXXXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
This complaint is in regard to unauthorized inquiries and inaccurate personal data being retained and distributed by XXXX XXXX XXXXXXXX, a consumer reporting agency governed under the Fair Credit Reporting Act ( FCRA ). I formally disputed their data on XX/XX/year>, requesting deletion of unverifiable inquiries and correction of personal identifiers. 

Violations of FCRA XXXX XXXX XXXXXXXX is in violation of the following provisions of the FCRA : 15 U.S.C. 1681b Lack of permissible purpose for inquiries 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to reinvestigate the disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 6 ) Failure to notify the consumer of investigation results and procedures Summary of Disputed Information The following issues were raised : Inaccurate Personal Identifiers Name reported as XXXX XXXX instead of XXXX XXXX XXXX XXXX of birth incomplete or incorrect Current address linked incorrectly or mixed with data from unrelated parties Inquiries Without Authorization Factor Trust has released or shared credit data with third parties without my consent or permissible purpose under 604 [ 15 U.S.C. 1681b ].

I requested proof of the source and signed authorization for any such data usage. No documentation was provided. Lack of Verification or Deletion No physical evidence, Metro 2
reporting compliance, or original authorization was provided for the accounts listed in my credit file.

Failure to provide a written method of verification violates 15 U.S.C. 1681i.

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