vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Torriere Holdings INC
State: CO

Complaint narrative:
Today XX/XX/XXXX approximately XXXX XXXX I received a call from ( XXXX ) XXXX from a man identifying himself as XXXX from XXXX XXXX. I proceeded to tell XXXX that I do not have a contract with XXXX and before I am willing to discuss anything further he must provide proof of debt first. He said yes I will send to you. Then he got hostile telling me this debt needs to be dealt with now or else. Said I am going to pay this debt that he was going to go tell someone in his office and expedite more severe consequences against me. I told XXXX that I do not give them permission to contact me by phone or text all day. I provided a window that I am willing to be contacted because I have XXXX XXXX XXXX XXXX XXXX and then I hung up the phone. I called back for the name of the company for my records. In the conversation XXXX said my email address, although I still did not receive proof of debt. He also told me that I signed something allowing for any debt accrued to be transferred. I feel abused and harassed by XXXX XXXX. The only information provided is XXXX XXXX I have not received a contract or any information regarding this alleged debt. ONLY the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I AM a victim of XXXX XXXX, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2025-05-06 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 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 explanation
Consumer complaint received 2025-05-06 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I keep receiving spam calls from Harris & Harris. They are also calling my family and friends asking for me to collect some debt from XXXX that amounts to around XXXX XXXX I did not receive anything in the mail regarding this debt- XXXX confirmed I have no balance with them. They do not leave a message and can not provide me any details about the debt yet they continue to call and offer me a payment plan - the last girl I spoke to when I answered a call told me I need to speak to XXXX for more information, but they are completely unaware of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-06 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: MD

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 U.S.C. 1681. 

Accounts are XXXX XXXX XXXX ( XXXX ) XXXX XXXX 2025 {$2800.00} Accounts are XXXX XXXXXXXX XXXX XX/XX/scrub>XXXX XXXX 2025 {$700.00} 15 U.S.C. section 602 A. states I have a right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 2025-05-06 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: MD

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 U.S.C. 1681. 

Accounts are XXXX XXXX XXXX ( XXXX ) XXXX XXXX 2025 {$2800.00} Accounts are XXXX XXXXXXXX XXXX XX/XX/scrub>XXXX XXXX 2025 {$700.00} 15 U.S.C. section 602 A. states I have a right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Requesting A 1099 C on debt not validated reporting charged off on credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-06 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: TN

Complaint narrative:
My account with MONEYLION is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the 3 credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all 3 credit bureaus are reporting different information? The following is everything that is reporting differently across all 3 credit bureaus : Payment history is reporting inaccurately multiple times in the past 2 years. Date last active reporting differently across all 3 credit bureaus. Date last reported reporting differently across all 3 credit bureaus. Date the account was open is reporting differently across all 3 credit bureaus. Date of last payment is reporting differently across all 3 credits.

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 2025-05-06 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:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

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 2025-05-06 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 am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

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 2025-05-06 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-06 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, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXXXXXX XXXX XXXXXXXX * * * * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 2025-05-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable. 

In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : XXXX. Deletion or correction of the inaccurate entry ( ies ). 
XXXX. A copy of any verification documents received from the furnisher. 
XXXX. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX XXXXXXXX XXXX XXXX MORTGAGE 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 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was in XXXX XXXX Bankruptcy from XX/XX/XXXX and the bankruptcy was completed and XXXX on XXXX XXXX. The same day of the XXXX Freedom Mortgage Corporation sent me a letter saying they have not received any mortgage payments since XX/XX/XXXX through XX/XX/XXXX. Which is incorrect and I have made all my monthly mortgage payments directly to them through XXXX XXXX from my XXXX account. They sent me a demand letter giving me until XXXX XXXX to pay. All payments have been made, and they even show the payments, but they are not posting them towards my mortgage payments. They are even posting the incorrect amount I paid. I made a payment on XX/XX/XXXX. XXXX for {$1700.00} but they posted the payment as {$1300.00}. They are intentionally posting my payments inaccurately. There were never and issue with my monthly mortgage payment until my XXXX XXXX XXXX has been completed and XXXX. I have the documentation to prove I have made the payments. I had spoke to a lady from XXXX XXXX said they were applying them different months. 
Help. 

Thank you 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I Have had a credit card with XXXX XXXX for a few years {$1000.00} credit limit. Just recently they sent me a letter saying that they will close the account due to duing a soft credit pull in XX/XX/XXXX and they did not close the account until XX/XX/XXXX. I asked to be reconsidered because I ran into credit problems in XX/XX/XXXX but was not late on my credit payments to XXXX XXXX. However, I thought a credit was to help the cunsumer and by XXXX XXXX closing my account due to them doing a soft credit pull should have nothing to do with a credit card that I am already approved for. Therefore by them closing my account will affect my credit even more plus I have a authorize user on my credit card and it may affect their credit too. I just think that is a unprofessional thing for a business to do when they originally granted me this credit card. Its not like I am behind on payments or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation