vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Escalation of XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX CFPB Case # XXXX To Whom It XXXX Concern : I am writing to escalate my pending complaint regarding XXXX XXXX XXXX XXXX which is currently under CFPB XXXX XXXX Despite their representation that they mailed me a 'validation of debt package ' in XX/XX/XXXX and again in XX/XX/XXXX, the materials they produced are contradictory, incomplete, and non-compliant under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : - The XX/XX/XXXX packet included improper third-party data ( including family member SSNs and unrelated personal records ). 
- The XX/XX/XXXX packet removed this material entirely, acknowledging that the original submission was improper. 
- Neither packet includes a valid chain of title or bill of sale proving Oliphants legal ownership of the debt. 
- Neither packet provides an itemized accounting of the alleged balance. 
- Both packets improperly rely on third-party data aggregators ( XXXX, XXXX reports XXXX instead of creditor records. 

These contradictions demonstrate that XXXX has failed to provide lawful validation and has potentially engaged in deceptive or abusive collection practices. Additionally, by ever disclosing unrelated family members data, they XXXX have violated FCRA XXXX and New York XXXX privacy protections. 

I respectfully request that the CFPB : XXXX. XXXX XXXX XXXX XXXX to cease reporting this account to Experian and TransUnion. 
XXXX. Require permanent deletion of the tradeline due to unverifiable and contradictory evidence. 
XXXX. Investigate whether XXXX conduct violates FCRA, FDCPA, and state consumer protection laws. 

Enclosed for your review is Exhibit A Comparison of XXXX XXXX Packets, highlighting these contradictions. 

Thank you for your continued attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-09-02 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: FL

Complaint narrative:
In reviewing my credit reports, I identified multiple accounts that appear to be inaccurately or inconsistently reported. 

XXXX Account : Opened around XX/XX/XXXX, this account is reported as a charge-off with a balance of {$790.00}. The last payment is listed as XX/XX/XXXX, and the last update was XX/XX/XXXX. There are inconsistencies in the dates, payment history, and reporting status that raise concerns about accuracy. 

XXXX Account : Opened around XX/XX/XXXX, this account is reported as a charge-off with a balance of {$1900.00}. The last payment is shown as XX/XX/XXXX, and the last update was XX/XX/XXXX. Discrepancies appear in the payment history and charge-off reporting. 

XXXX Account : Opened around XX/XX/XXXX, this account is reported as a charge-off with a current balance of {$0.00}, but prior high credit amounts are reported inconsistently between {$540.00} and {$1200.00}. The account is also labeled with varying comments such as charged off, transferred or sold, or purchased by another lender, depending on the bureau. 

I have disputed these accounts directly with the credit bureaus, but they continue to be reported without clear validation or proof of compliance. The inconsistencies across dates, balances, and reporting statuses make it unclear whether these accounts meet the standards of accurate credit reporting. These accounts are negatively affecting my credit profile despite the lack of verified documentation.

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 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX Hrs, I telephoned BSI Financial Services and spoke with their representative who Identified himself as XXXX but refused to provide his employee number. I explained to XXXX that my Son 's and my name were removed from our mortgage bill without out our consent or demand and respectfully requested to be transferred to BSI Corporate Counsel to speak to a live person and not a voice mail in my efforts to resolve this issue which he refused to do, saying he could not do that transferring me instead to a voice mail message that did not identify where I was transferred to. My cell phone records will prove I made that call to BSI. These are documented complains on BSI Financial Services : Putting up houses for auction when all payments have been made Trying to repossess cars Never giving tax or mortgage statements Canceling homeowners insurance without notice Not answering phone calls or returning messages Refusing to accept payments when due Using collection practices on its customers Harassment customers via letters and phone calls... Despite the fact that I made the down payment on my XXXX property, BSI Financial services have removed my name and XXXX 's name from the mortgage bill without our consent in what appears to be an unlawful effort to foreclose on my house which is fully paid up to date with no arrears. BSI actions are unlawful and despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$120.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX - Cancelled XXXX XXXX/ Started policy with XXXX XXXX XXXX Late XXXX received notice of absence of insurance with a threat to charge my account for insurance on an account that had been paid off for nearly XXXX  years. An account made XXXX  years ago with XXXXXXXX XXXX XXXX XXXX which became XXXX XXXX XXXX and then when Truist got the inactive Home Improvement Loan, they dropped my XXXX from the account for some inexplicable reason. In the summer of XXXX they told me if I didnt take any action my account would be closed that XX/XX/XXXX. I was content to let that happen, but the account stayed open for some reason. How I wish they would have closed it. 
XXXX  XX/XX/XXXX went to XXXX XXXX  and a male teller ( the only male there who I later found out that he XXXX have been on loan from XXXX branch ) helped me. I handed him proof of insurance and he came back shortly and said its all taken care of. 
XXXX  XX/XX/XXXX received XXXX and final notice of absence of insurance with a threat to charge my account for insurance Thursday XX/XX/XXXX Talked to XXXX XXXX at XXXX XXXX and once again offered proof of insurance. She informed me that my account had already been charged and that she would have the charges taken off. 
XXXX  XX/XX/XXXX received notification in the mail of insurance charge made by Truist on XX/XX/XXXX and back dated to XX/XX/XXXX for {$1000.00} for 1 year of coverage. 
Wednesday XX/XX/XXXX XXXX XXXX amended the policy to include Truist. 
Wednesday XX/XX/XXXX Called XXXX XXXX and was unable to reach her. XXXX a message for her to call me. 
Thursday XX/XX/XXXX - Called XXXX XXXX and was unable to reach her. XXXX a message for her to call me. 
Saturday XX/XX/XXXX Received my statement from Truist dated XX/XX/XXXX. It showed the insurance charge made by Truist on XX/XX/XXXX and back dated to XX/XX/XXXX for {$1000.00} for 1 year of coverage and that the amount must be paid in full by XX/XX/XXXX. Once Truist was given proof of coverage for the XXXX time I would think they would cancel the insurance coverage and get a refund for the remaining period. Thats the way insurance works. I am beginning to think this is a scam. 
XXXX  XX/XX/XXXX : Talked with XXXX XXXX at the XXXX XXXX. While on the phone with the insurance arm of Truist XXXX was told that no documentation of insurance had been received by them ever and that if XXXX faxed it to them it would be XXXX business days before they could even confirm that the proper documentation had been received.

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 2025-09-02 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:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-02 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:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information was involved in a XXXX XXXX breach and these are the accounts that are affected below Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I went to open up an account ( personal checking account ) due to the fact that I have a potential business idea coming up they denied me an account unless I open a personal account and business account which would cost me more money for a business thats not even open or established yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: OK

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I was notified that I have a cash advance loan with XXXX XXXX XXXX XXXX account # XXXX open XXXX XXXX, balance {$2700.00}. I am not aware of this debt. I have requested the original contract and I have not recieve a reply.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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