vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX RE : XXXX 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. 

XXXX XXXX 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 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 BANKRUPTCY DISMISSED/CLOSED XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXX Enclosures Identity Theft Report Proof of identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
I am a victim of identity theft, and a fraudulent loan account ( XXXX loan ) was opened in my name without my knowledge or authorization. This fraudulent account is currently being reported by TransUnion and has caused significant damage to my credit. 

I submitted a full identity theft report, including a police report, FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite these documents, TransUnion continues to report the fraudulent account in violation of FCRA XXXX. 

TransUnion is legally required to block identity theft-related information from a consumer 's credit report within XXXX business days after receiving proper documentation. 

Additionally, my attorney filled a complaint more than XXXX weeks ago without any response. This is why I am filing this personal complaint today.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take this complaint seriously and review the attached file. Ive spent far too long trying to fix the errors on my credit report, and my efforts keep being ignored. Ive had enough. These inaccuracies are hurting every part of my life. The impact on my mental health is real, and the damage to my credit has made it nearly impossible to get the help I need. This situation is unacceptable.

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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : KIKOFF INC Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 7-10 days from being received 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Did you look into my file, you will see that I had to do over 300 investigations with Trans Union regarding my personal credit report information. Transunion has never been able to maintain an accurate file as you will be able to tell when you request my personal information in their system. You can go back 10 years and you will see that I have been dealing with this even longer than that.

You will see that Ive even provided information on his irrefutable such as police report actual minutes from a case, showing the defendant admitting that he use my credit to open such accounts. I have over 20 affidavits in their system for identity theft as of today.

When I request to speak to a supervisor, I never get one only a promise that someone will call me back within 24 hours and that never happens. I have call logs that can improve that.

I was copies of my credit report where it shows these fraudulent accounts being removed, then placed back on my credit report, then removed again and placed back on the credit report again.

This has created an inconsistent report that can not be trusted nor used to apply for credit. This also guarantees any company that used this credit report, well see and report that does not reflect the 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kikoff Inc.
State: NC

Complaint narrative:
I was trying to build my credit so I sent them XXXX  dollars and never used the account and so now they charged me for nothing and I went back canceled the account after I found out none of the stores were no stores I would use

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On Thursday, XX/XX/XXXX, I was approved for a loan and told that the lender was going to be doing a mobile deposit into my checking account. The lender did several smaller mobile deposits. Next thing I knew I received a letter stating that my accounts would be closed on XX/XX/XXXX. I went to Wells Fargo and was informed that my accounts were frozen and I was not allowed access to my funds. I am also waiting on my Social Security check that is supposed to be deposited today Saturday, XXXX. XXXX which does not show credited into my savings account. My guess is they have declined the transaction. Currently Im waiting to speak to someone to see if I can access my funds so far I am not able to access any money. Once again, I have been denied access to my funds. This has created a severe financial burden on my family as we have access to no money. These financial institutions should not be allowed to treat customers this way and they should not have the power to freeze accounts over mobile deposits. Since when the customers not have a right to receive a loan? Wells Fargo has been very hostile to me and treated me like I am a criminal instead of the victim that I am. Their customer service is absolutely awful.

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 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
XXXX ACCOUNT XXXX WAS NEVER AUTHORIZED, ESTABLISHED, SERVICES WERE NEVER PORTED IN, ESTABLISHED, OR USED. A XXXX 3RD STORE ASSOCIATE, AT A 3RD PARTY STORE QUOTED, US A PLAN WITH A SOFT CREDIT CHECK, FRAUDULANTLY CHARGING MY CREDIT CARD FOR " PORT IN '' FEES, WHICH WE IMMEDIATELY DISPUTED AS XXXX DOES NOT CHARGE PORTING FEES, & WE IMMEDIATELY TOLD THE ASSOCIATE TO STOP ALL ACCOUNT SETUP & TRANSFER ACTIVITY, AS WE WERE NOT MOVING FORWARD WITH XXXX SINCE HE LIED ABOUT FRAUDLANT FEES. WE LEFT THE 3RD PARTY STORE WITHOUT RECEIVING CELL SERVICE, OR SIGNING ANY ACCOUNT FORMS, OR RECEIVING CELL SERVICE. A XXXX FRAUD CALL WAS PLACED ON XX/XX/year>, CASE # XXXX. I DEMAND THIS ACCOUNT BALANCE FULLY ABATED, COLLECTIONS CEASE, OR I WILL LITIGATE THIS MATTER IN COURT. THE XXXX XXXXXXXX XXXX  ACCOUNTREFERENCE XXXX MUST BE REMOVED OR LITIGATION WILL INCLUDE THEM AS A 3RD PARTY AFFILIATE, ENGAGING IN UNLWAFUL ACTS. THIS IS MY FINAL DEMAND TO ABATE ALL FEES, REMOVE ACCOUNT FROM MY PERSONAL INFORMATION HISTORY, OR I WILL FILE A LAWSUIT TO PRESERVE MY INTEGRITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This has been going on since XX/XX/year>. 

I have an XXXX letter that I just faxed to Synchrony regarding the CareCredit account. They REFUSE to apply payments I have made, notwithstanding that ( a ) I have provided proofs of payment from XXXX Bank AND complete banking statements, ( b ) I was promised an audit, ( c ) I have made MANY calls that were " escalated '' for action, ( d ) I have continued to make payments, ( XXXX ) every time my call was " escalated '' I was told a different story, INCLUDING that it was a " system glitch '' that caused payments to show up as " promotional balances '', and ( f ) it was only XXXX who caught a bunch of payments made to my old card number ( admittedly, my error in not updating the payment form in XXXX Banks payment facility ). She was the only person who actually DID anything resembling " customer service. '' There's so much more ... the attached letter is clear.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/scrub>/2023 XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXX XXXX XX/XX/year>2023, XXXX XXXXXXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XX/XX/scrub>/2023, XXXX XXXX  XX/XX/year>2023. 
XXXX XXXX XXXX  XX/XX/scrub>/2023, XXXX XXXX  XXXX/XXXX/2023 & XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX 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. 

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 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 and XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX USBK COURT EASTERN NORTH CAROLINA. XXXX 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 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 XXXX XXXX Identity Theft Report Proof of identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX 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. 

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 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 and XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX USBK COURT EASTERN NORTH CAROLINA. XXXX 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 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 XXXX XXXX Identity Theft Report Proof of identity

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
the reporting is different across XXXX different credit reports its reporting a XXXX  day late payment on XXXX  in XXXX and a XXXX  day payment on transition in XXXX and I never had a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: PR

Complaint narrative:
WORK AT HOME OR WORK FROM HOME IS NOT MY EMPLOYER I AM FRUSTRATED FOR REQUESTING TRANSUNION DIRECTLY FOR A REMOVAL OF THIS EMPLOYER WHICH IS NOT MY EMPLOYER. 

PLEASE REMOVE THIS WRONG EMPLOYER FIND THE ATTACHED DOCUMENT AS PROOF.

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 2025-05-24 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: PR

Complaint narrative:
WORK AT HOME OR WORK FROM HOME IS NOT MY EMPLOYER I AM FRUSTRATED FOR REQUESTING TRANSUNION DIRECTLY FOR A REMOVAL OF THIS EMPLOYER WHICH IS NOT MY EMPLOYER. 

PLEASE REMOVE THIS WRONG EMPLOYER FIND THE ATTACHED DOCUMENT AS PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX and XXXX, I am requesting the immediate deletion of the disputed accounts listed below due to either lack of permissible purpose, failure to properly verify, or inaccurate reporting : Experian : Remove the unauthorized XXXX Bank account and the inaccurately reported closed XXXX  XXXX account. 
Equifax : Remove the invalid XXXX collection account from XXXX totaling {$840.00}. 
TransUnion : Remove the XXXX collection account for XXXX ( {$340.00} ), the duplicate XXXX/XXXX  collection ( {$840.00} ), and the closed accounts for both XXXX and XXXX XXXX. 

These items have not been validated in accordance with federal law and continue to be reported inaccurately, thereby violating the FCRA. The continued presence of these accounts constitutes negligent and potentially willful noncompliance under XXXX U.S.C. XXXX and XXXX, and exposes the furnishers and bureaus to civil liability. 

I demand immediate deletion of the disputed items from all relevant credit files and written confirmation that these accounts have been permanently removed. Failure to comply will result in further action, including the potential pursuit of damages as provided under the FCRA.

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 2025-05-24 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief