vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions XXXX XXXX XXXX and Diversified Adj Svc was informed THE FOLLOWING account information being FURNISHED to XXXX XXXX XXXX, and Diversified Adj Svc and reported by XXXX XXXX XXXX and Diversified Adj Svc is in fact inaccurate and they continue to report. XXXX XXXX XXXX and Diversified Adj Svc is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, XXXX XXXX XXXX and Diversified Adj Svc was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( XXXX  ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year> and XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: DC

Complaint narrative:
I did not authorize the following inquiries according to FCRA section 604 ( c ) ( 1 ) ( a ) : 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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This balance is paid and I keep getting different collection letters and it's on my credit report

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 2025-04-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX EMPLOYEES CU on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX EMPLOYEES CU on XX/XX/XXXX with a balance of {$8600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
My identity was breached in equifax data breach in XXXX. 

My information was compromised and now I have addresses thats connected to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
XXXX years ago, I incurred an unknown debt on my credit report from Red Brick financial. I called and spoke with company-requesting any signed documents relating to this debt and explained this debt is NOT mine and I know nothing about this debt. They couldnt provide documents and ensured it would be removed from my credit. And it was. 

A few months later, it was back in my credit. It was sold to another company-XXXX XXXX XXXX XXXX I called them, requesting the same documents, and telling them I have no knowledge of this debt-that it is not mine! They couldnt provide me any documentation and agreed that it should be removed from my credit report, and it was. 

Few months later, it was back on my credit-under Blackwell Recovery XXXX I attempted several times to have it removed off my credit-online, through XXXX XXXX XXXX I then called last week and spoke with them-stating all the same things I stated with the other Creditors. They told me they could not provide me with any form of ownership or documentation leading to ownership-that the debt was bought from XXXX XXXX XXXX XXXX with whom Ive already tried to get documentation from and it wasnt provided. Blackwell Recovery could NOT offer me any information on this debt. The only thing offered to me was a down payment and monthly contract with their company for Credit Counseling. An attempt for them to dispute items on my credit at a monthly charge to have them removed. I STILL have yet to get any form of documentation from ANY of these companies and this is taking a HUGE hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. These inquiries were supposed to be soft inquiries but were incorrectly reported as hard inquiries by all three major credit bureaus. 

I am requesting that these inquiries be reviewed and removed from my credit report, as they were not authorized as hard inquiries and are negatively impacting my credit score. 

Please see the attached list of inquiries for reference. I appreciate your assistance in resolving this matter.Account info : XXXX XXXX XX/XX/XXXX Experian : Account info : XXXX XXXX, XXXX XXXX Account info : Informative XXXX XXXXXXXX XXXX Account info : XXXX XXXX XX/XX/XXXXXXXX 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 2025-04-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXX-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo XXXX XXXX XXXX and spoke with XXXX XXXX branch manager. I had wanted to open another business checking account and he said he couldnt open another account for me because he was not trained with documents I provided and that his other manager wasnt available for communication. He further wanted to keep my information for a later date and made me feel uncomfortable like he wanted to steal my information.

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 2025-04-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I need to remove fraudulent hard inquiries from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Oliphant United, Inc.
State: KS

Complaint narrative:
There has been many phone calls voicemails and text messages to my personal number also to my son and daughter phone numbers that are XXXX XXXX XXXX. 
I have asked for verification of debt because I know nothing of it. Ive never gotten anything in the mail about it. I dont know what theyre talking about. Ive asked them to stop calling. 

According to 15 USC 1692c they have violated my rights by unlawful communications please remove this collection off my credit report thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Last time I actually used cash app I believe it's was on XX/XX/XXXX I been using the app off and on for almost XXXX years i didn't had any money on the account at the time but I'd did feel devastated because personal information is way more important than money every body knows that specifically this online banking apps is unbelievable how can they not invest on Cyber security when technology is available to prevent all this from happening. It's pathetic millions of people billions of dollars on the hands of this primitives companies the world is in crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America VISA credit card offered me a balance transfer at XXXX % thru XXXX of next year. The offer would be good with a response thru XXXX. 
This was cleary boxed in the right margin of my account page on XXXX XXXXXX/XX/year> and XXXX XXXX XXXXXX/XX/year>. I called last night XXXX to take advantage of the offer and was put thru to the Balance transfer department ( XXXX in XXXX  ). He said he could only handle Balance transfers at the regular rate and for any promotional ones, I would need to call Sales dept today XXXX which I just finshed doing. XX/XX/year> XXXX EST I did ask XXXX clearly if the offer would remain active on my account thru XXXX and he assured me it would ; if the offer would appear active thru XXXX as stated. 
Today they could not see the offer when I called ( XXXX XXXX ). He said sometimes it only appears to the client and they don't have access. In fact they had removed it. Also, I am unable to open the page to Balance Transfer offers.

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 2025-04-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. These inquiries were supposed to be soft inquiries but were incorrectly reported as hard inquiries by all three major credit bureaus. 

I am requesting that these inquiries be reviewed and removed from my credit report, as they were not authorized as hard inquiries and are negatively impacting my credit score. 

Please see the attached list of inquiries for reference. I appreciate your assistance in resolving this matter. 

Equifax : Account info : XXXX XXXX, XXXX XXXX Account info : XXXXXXXX XXXX  XXXX XXXX Account info : XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent an identity theft dispute for this account and several others to all three national credit bureaus at the beginning of XXXX. On XX/XX/XXXX, XXXX finalized their investigation for my dispute and stated that XXXX verified the information regarding the fraudulent account reporting on my credit files. This was the same result with the other credit bureaus as well. Despite filing previous disputes, the account was incorrectly verified as accurate. I want to emphasize that this account does not belong to me, and I am the victim of identity theft. 

I never opened, applied for, or authorized anyone to open or apply for this Wells Fargo credit card account in my name. After conducting my own investigation, I discovered that this account was fraudulently opened by my late father, who shares the same name as me. Unfortunately, he used my personal identifying information without my knowledge or consent. 

Although he has since passed away, this fraudulent account continues to report on my credit file and is negatively impacting my credit standing. In accordance with the FRCA, this fraudulent account must be deleted and removed in it's entirety from my credit files, due to it's fraudulent origins. I sent all the supporting documents with my initial dispute proving that I am a identity theft victim, and as a victim of identity theft, I am also requesting that this account be blocked from re-reporting after it has been deleted.

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 2025-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
NEW FTC STATEMENT 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
NEW FTC STATEMENT 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XX/XX/year>

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 2025-04-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. ( XXXX XXXX XXXX ) Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I am writing to formally dispute an account that has been reported on my credit file, which I believe does not belong to me. A collection account has been placed on my credit report, and I have made a request for validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation proving that the debt is mine, including the original, signed contract for the account in question. 

However, despite my request, no such validation or supporting documentation has been provided to me. It has been well over XXXX  days since my request, and I have yet to receive any response from the creditor or collection agency. As required by law, I am entitled to receive the necessary validation within XXXX days, and since this has not occurred, I am disputing the account as inaccurate and invalid. 

I kindly request that you investigate this matter and ensure that the collection account is either validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a follow-up to complaint XXXX. Truist continues reporting of information past seven years of first delinquency. Truist should be fined for this continued abuse. Payment history only goes until XX/XX/year> and thus its their attempt to keep negative information on credit reports longer than seven years.

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