vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX that is showing up under the name XXXX XXXX. This is not my legal name. My correct name is XXXX XXXX, and I have never used the last name XXXX. 

This collection is related to an apartment I had in XXXX  in XXXX. Due to XXXX, I lost my job and was forced to move back to Georgia. I was unable to fulfill the lease because of this hardship. The balance being reported is {$1900.00}, and the account was opened in XX/XX/year>. 

I called XXXX XXXX XXXX to resolve the issue and was informed that they have the wrong name on file. Despite this, they continue to report the account. This is inaccurate and a violation of the Fair Credit Reporting Act. 

I am requesting that this account be corrected or removed entirely due to misidentification and age. It has already been over XXXX years and should not be reported under the wrong name. 

Ive attempted to resolve this directly with the company and was not provided with a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I purchased computer equipment online from XXXX XXXX on XX/XX/year> and was prompted to use my XXXX credit line that I had opened XXXX years earlier, which I chose to use for the purchase. When I received the statement in the mail, which was branded with the XXXX XXXX logo, I paid the amount in full on time using the previously set up vendor in my Bill Pay service. At some point in XXXX, I received a late notice from XXXX XXXX saying the bill had not been paid and included a late charge, which Comenity did end up waiving. After calling XXXX XXXX XXXX ( XXXX ), who I had opened the credit line with originally, I came to understand that XXXX had sold my line of credit to Comenity Bank, and the payment I made went to XXXX. I was told XXXX would send my payment back, which I received on XX/XX/year>. After receiving it, I immediately initiated payment of my bill in full with Comenity through their payment portal that evening, although the payment did not clear until XX/XX/year>, XXXX day late from the payment due date. That prompted a {$40.00} late charge with interest on XX/XX/year>, and a second late charge on XX/XX/year> after I did not pay the late charge balance issued in XXXX, again thinking I had paid the balance in full. I called Comenity on XX/XX/year> to request a refund of all fees and interest due to the confusion surrounding sale/transfer of my credit line from XXXX to XXXX, but Comenity is only refunding {$40.00} and is standing behind their Card Agreement, as I was told by XXXX, employee ID XXXX. From a consumer perspective, the credit line was branded XXXX XXXX, and I did not understand the financial institution behind the brand had changed. I made the original payment digitally, but XXXX sent my money back in the mail via check, which extended the process from my perspective. I acted in good faith and made payments in full that should not have resulted in my being charged any fees. This is a result of financial institutions profiting from vague business practices and requiring specific action from consumers while providing the same on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I asked on multiple phone calls for tower loans to stop contacting my job. They told me they needed it in writing and went to the office and gave them a letter stating they needed to stop contacting my employer. They refuse to listen. They have violated my rights

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 2025-05-12 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:
To Whom It May Concern : This is a formal legal demand for the immediate deletion of the following fraudulent, unverified, and unlawfully reported collection accounts from all credit reporting agencies ( Equifax, XXXX XXXX ) due to egregious violations of federal law, including but not limited to : 15 U.S.C. 1692g ( b ) ( FDCPA Failure to Validate Debt ) 15 U.S.C. 1681s-2 ( b ) ( FCRA Failure to Conduct Reasonable Investigation ) 18 U.S.C. 1001 ( False Statements to Federal Agencies ) 18 U.S.C. 1341 & 1343 ( Mail & Wire Fraud ) FRAUDULENT & UNVERIFIED COLLECTION ACCOUNTS DEMANDING DELETION : 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  ) LEGAL VIOLATIONS & DEMANDS : Failure to Validate Debt ( FDCPA 1692g ( b ) ) You failed to provide the following legally required validation : Original signed contract bearing my wet-ink signature Full itemized accounting of alleged debt Chain of custody proving lawful assignment Your continued reporting without validation is willful noncompliance and constitutes deceptive collection practices.

Failure to Investigate ( FCRA 1681s-2 ( b ) ) Despite my prior disputes, you failed to conduct a reasonable investigation and continue reporting inaccurate, unverified information in violation of federal law.

Criminal Fraud ( 18 U.S.C. 1001, 1341, 1343 ) By reporting false, unsubstantiated debts to credit bureaus, you have engaged in : Mail fraud ( 18 U.S.C. 1341 ) Wire fraud ( 18 U.S.C. 1343 ) False statements to federal agencies ( 18 U.S.C. 1001 ) IMMEDIATE DEMANDS : Complete deletion of all listed fraudulent accounts from all credit bureausNOT mere suppression or " disputed '' remarks.

Cease all reporting and collection efforts immediately.

Provide written confirmation of deletion within 5 business days of receipt of this complaint.

LEGAL & REGULATORY WARNING : Failure to comply immediately will result in : Civil litigation under FCRA ( 1681n ) and FDCPA ( 1692k ) for willful violations ( statutory damages up to {$1000.00} per violation + punitive damages ).

FTC, CFPB, and State AG complaints for deceptive trade practices.

Criminal referrals for fraudulent credit reporting ( 18 U.S.C. 1001, 1341, 1343 ).

Bar complaints ( if applicable ) against any attorneys involved in unlawful collection efforts.

ULTIMATUM : You have 5 business days from receipt of this complaint to confirm deletion in writing. No extensions, no negotiations. If I do not receive confirmation, I will escalate to federal litigation and regulatory enforcement without further notice.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
To Whom It May Concern : This is a formal legal demand for the immediate deletion of the following fraudulent, unverified, and unlawfully reported collection accounts from all credit reporting agencies XXXX XXXX, Experian, XXXX ) due to egregious violations of federal law, including but not limited to : 15 U.S.C. 1692g ( b ) ( FDCPA Failure to Validate Debt ) 15 U.S.C. 1681s-2 ( b ) ( FCRA Failure to Conduct Reasonable Investigation ) 18 U.S.C. 1001 ( False Statements to Federal Agencies ) 18 U.S.C. 1341 & 1343 ( Mail & Wire Fraud ) FRAUDULENT & UNVERIFIED COLLECTION ACCOUNTS DEMANDING DELETION : 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  ) LEGAL VIOLATIONS & DEMANDS : Failure to Validate Debt ( FDCPA 1692g ( b ) ) You failed to provide the following legally required validation : Original signed contract bearing my wet-ink signature Full itemized accounting of alleged debt Chain of custody proving lawful assignment Your continued reporting without validation is willful noncompliance and constitutes deceptive collection practices.

Failure to Investigate ( FCRA 1681s-2 ( b ) ) Despite my prior disputes, you failed to conduct a reasonable investigation and continue reporting inaccurate, unverified information in violation of federal law.

Criminal Fraud ( 18 U.S.C. 1001, 1341, 1343 ) By reporting false, unsubstantiated debts to credit bureaus, you have engaged in : Mail fraud ( 18 U.S.C. 1341 ) Wire fraud ( 18 U.S.C. 1343 ) False statements to federal agencies ( 18 U.S.C. 1001 ) IMMEDIATE DEMANDS : Complete deletion of all listed fraudulent accounts from all credit bureausNOT mere suppression or " disputed '' remarks.

Cease all reporting and collection efforts immediately.

Provide written confirmation of deletion within 5 business days of receipt of this complaint.

LEGAL & REGULATORY WARNING : Failure to comply immediately will result in : Civil litigation under FCRA ( 1681n ) and FDCPA ( 1692k ) for willful violations ( statutory damages up to {$1000.00} per violation + punitive damages ).

FTC, CFPB, and State AG complaints for deceptive trade practices.

Criminal referrals for fraudulent credit reporting ( 18 U.S.C. 1001, 1341, 1343 ).

Bar complaints ( if applicable ) against any attorneys involved in unlawful collection efforts.

ULTIMATUM : You have 5 business days from receipt of this complaint to confirm deletion in writing. No extensions, no negotiations. If I do not receive confirmation, I will escalate to federal litigation and regulatory enforcement without further notice.

Sincerely,

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 2025-05-12 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency TRANSUNION, XXXX the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: I.C. System, Inc.
State: GA

Complaint narrative:
IC System is reporting a medical debt. I disputed the 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 explanation
Consumer complaint received 2025-05-12 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: CO

Complaint narrative:
Experian has been reporting several accounts on my credit report with blatantly inaccurate and misleading information that is seriously damaging my credit score and directly preventing me from accessing safe housing. 

Specifically : I have multiple charged-off credit card accounts that are showing XXXX day delinquencies months or even years after they were charged off some showing late payments through XXXX even though the accounts were closed in XXXX. 

XXXX account that was closed and placed in collections in XX/XX/XXXX is showing a recent delinquency in XX/XX/XXXX, which is impossible and violates reporting rules. 

Another account has collections reported every month for XXXX months in the payment history, instead of a single collection entry again, this misrepresents the debt and artificially harms my credit. 

I found a collection account marked as open, even though the balance is paid and no payments are being accepted. This contradicts credit reporting standards. 

Across multiple accounts, Experian appears to be re-aging the debt or extending delinquencies far beyond the last activity date, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
I have attempted to dispute these errors directly with Experian, but : Their automated phone system hangs up on me and blocks me from speaking with a live agent. 
The online dispute process repeatedly dismisses my disputes with no explanation and continues to leave the incorrect information on my report. 

This has left me in a situation where I am being locked into unsafe housing conditions due to a falsely suppressed credit score, despite having paid off or long-closed debts. I am physically ill from this situation and need immediate access to fair housing, which is being denied to me because of false and damaging credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Account XXXX XXXX XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: CA

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.

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 XXXX 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 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 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-12 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: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized hard inquiries. I did not authorize these inquiries and request they be immediately removed from my credit report. 

Unauthorized Inquiry Details : 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  via Dealer : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
received a letter from Wells fargo without explanation that our 2 business accounts will be close withing 60 days name of my company is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca 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