vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Debt is not mine and needs to be reported as identity fraud. I had two people live with me and they stole my identity including my kids social security numbers and opened up accounts in my name. for years I tried to dispute and delete it off my credit report but nothing is happening fairly. Can you please have this deleted off my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Today XX/XX/year> being informed of a potential unauthorized XXXX charge XXXXseemingly. 
1. I dont have and never to my knowledge used PayPal . 
2. I have no knowledge of XXXX relative to me or my purchases any time in over 15 years. 
3. I did verify any and all recent payments to contractors with similar amounts -on XX/XX/year> verifying they do not take payment through PayPal . 
4. The contractors pay for XXXX was validated-and withdrawn for an authorized charge of XXXX for XX/XX/year>. XXXX the plumber.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: WI

Complaint narrative:
Experian is reporting my XXXX XXXX credit card account incorrect & it dropped my store XXXX points! They are violated my rights making huge errors! My XXXX XXXX account is active, open & not paid off it has a balance of $ XXXX & a {$25000.00} credit amount & I had the account open & on time for almost 3 years! Experian is NOT reporting any of this! I thought is was a error on XXXX XXXX  but they confirmed they reported to all bureaus like normal & the account is active, open & in good standing with a balance, not paid off & even if it was paid off why did Experian put it in another area of the report instead of the active open account ( area ) with full info on the account, it's in a section of it's own & reporting like a closed account, but says open, with no other info, no payment history, no balance history, no credit limit, nothing! IT MAKES NO SENSE & IM SO TIRED OF MISTAKES FROM THE CREDIT BUREAUS MAKE IN REPORTING! This error made my credit drop XXXX point which is a lot when I already had a drop because of new account opened & I'm preparing to buy a new house soon & I need my credit to be in the best position, I can have it in! I work too hard for a good credit score, for this to happen. I NEED Experian to fix this reporting error ASAP!! If not I'm looking into a law suit, I am sick of errors from these credit bureaus! THANK YOU!!

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 2025-03-21 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On friday XX/XX/year>XXXX  at XXXX I received a call from XXXX ( XXXX ) XXXX with caller ID of XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Their male representative had a heavy souther accent that would not allow me to understand half of what he was mumbling while speed talking their pre determined speech. 

He was calling me in regards a previous debt i had and was demanding for me to set up a payment plan with him. I responded that I am currently unemployed and he asked what is my current source of income and I repeated that I was unemployed. 

He than tells me Well you should have paid when you had a job, so tell me how you want to set up this payment plan He also started questioning me about personal finances. 

According to their online reviews they been known for these business practices.

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 2025-03-21 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: Absolute Resolutions Corp.
State: AR

Complaint narrative:
I am writing to formally dispute an issue regarding Absolute Resolutions and their failure to provide me with a debt validation for account number XXXX. Despite my request for verification of this debt, Absolute Resolutions has not furnished the required documentation to validate the legitimacy of the account. 

As this lack of validation hinders my ability to review and verify the accuracy of the debt, I am requesting that the CFPB investigate this matter and ensure that Absolute Resolutions provides the necessary documentation in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citibank Credit Card XXXX. It comes as " You have a voice mail. The voice mail says something to the effect " Thanks for being a valued customer. You can call Citibank at XXXX XXXX XXXX. I have blocked this number to no avail. I get a voicemail every day. I delete it. Since it comes only as a voice mail, I have no idea what phone number the voice mail is coming from. I have called XXXX. Apparently, the person by the name of XXXX XXXX XXXX or XXXX had an account and used that phone number. She no longer has an account. I am tired of deleting the voicemail. I am tired of my cell phone ringing in the early morning hours. Please help in any way you can. Consumer cellular says since it isn't coming through as a phone call, there is nothing they can do, and said I should just delete it.

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 2025-03-21 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: NJ

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 2025-03-21 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: NJ

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in 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 2025-03-21 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: ND

Complaint narrative:
Data breach by equafax has exposed my data to fraud and I want them to verify all debt on my credit report and delete XXXX XXXX account completely. I have been locked out of my equafax account and am unable to dispute my XXXX XXXX account that has been on my credit report over two years with tons of disputes and no validation or proof that XXXX XXXX account is even accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to get a business loan for my company of 3 years, my credit score was over XXXX, but I was denied a loan for my business as well as a personal loan due to false derogatory statements of my credit report ( a van repo that was not not vehicle according to a court order ). I was denied any and all financing ( personal and professional ) soley based on the false derogatory statements in my credit report ... ..evn after I showed the judges order awarding the vehicle to my ex wife in XXXX. They knowingly denied me credit on false/inaccurate information which has caused significant injury to my company and my family. They refused to let me speak to the underwritter and gave no information other than the false information in the credit report about the van which wasnt mine even though I provided the judges court order to prove it. I met all other stated prerequisites for getting funding other than the false derogatory statements about my ex wifes van, yet I have been continuously denied any for of credit or funding because of it.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, XXXX, XXXX, and XXXX are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law. 

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from XXXX, XXXX, and XXXX for your review, with the disputed collection accounts clearly highlighted. 


Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification. 

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately. 

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they are in violation of the law, and continued reporting of such accounts is illegal.

FDCPA 15 U.S.C. 1692c - Communication Restrictions : Debt collectors are prohibited from contacting me at inconvenient times or places, and any further communication regarding these debts must cease immediately unless proper validation is provided.

If these debts are not validated, any further attempt to collect or report them constitutes a violation of my rights under federal law. 

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
These fraudulent accounts are affecting my livelihood. My credit has been severely affected by this and I really hope that I can get the help needed. I have tried to fix this in the past. This data breach that Equifax has admitted that I have been affected by is not the only XXXX and unfortunately over the years the XXXX major consumer reporting agencies : Equifax, TransUnion, and Experian have all had data breaches. The secondary reporting agencies have inaccurate info on me as well.I have learned that consumer laws are put in place to protect us for inaccuracies reported on our credit reports consumer reports. 15 USC 1681 to be specific. Let 's be fair to all Americans please. Thanks Accounts Affected Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Please see my attached documents for more 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 2025-03-21 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:
These fraudulent accounts are affecting my livelihood. My credit has been severely affected by this and I really hope that I can get the help needed. I have tried to fix this in the past. This data breach that Equifax has admitted that I have been affected by is not the only XXXX and unfortunately over the years the XXXX major consumer reporting agencies : Equifax, TransUnion, and Experian have all had data breaches. The secondary reporting agencies have inaccurate info on me as well.I have learned that consumer laws are put in place to protect us for inaccuracies reported on our credit reports consumer reports. 15 USC 1681 to be specific. Let 's be fair to all Americans please. Thanks Accounts Affected Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Please see my attached documents for more 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IN

Complaint narrative:
This account should have been removed as it was included in bankruptcy. The creditors continues to update account on credit report as well as add missed payments

Company response to consumer: Closed with explanation