vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I am writing on behalf of XXXX XXXX XXXX ( the Company ) in response to your letter dated XX/XX/year>, in which you assert that the Company is indebted to XXXXXXXX XXXX XXXX. under File ID XXXX. Please regard this correspondence as the Companys formal dispute of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ). 

Denial of Liability. XXXX XXXX XXXX has never opened an account with XXXXXXXX XXXX XXXXXXXX, nor has it ever authorized any individual to incur indebtedness on its behalf with this institution. There exists no recordfinancial, accounting, or otherwisereflecting any obligation to XXXX XXXX XXXX 

Identity Theft Alert. Should you possess documentation purporting that an account was opened, the Company categorically denies any involvement. Such documentationif genuinemust be the product of identity theft. We request that you promptly provide all account-opening records, signatures, and any other materials upon which you rely. 

Request for Validation. Pursuant to 15 U.S.C. 1692g ( b ), please suspend all collection activity until you have provided the Company with complete validation of the alleged debt, including but not limited to : A copy of the original credit agreement bearing an authorized signature ; Detailed payment history ; All correspondence exchanged between XXXXXXXX XXXX XXXXXXXX. and any alleged representative of XXXX XXXX XXXX ; and Any assignments or transfers of the purported debt. 

Evidence from Internal Records. Our accountants and management team stand ready to certify that no payment history or authorization exists in our corporate records. We request copies of any documents you claim were used to verify the debt so that we may conduct an internal audit.

Cease Communication. Until the alleged debt is validated in accordance with federal law, please cease all collection efforts and communication, except to provide the validation materials requested above.

If you fail to provide the requested documentation within 30 days of your receipt of this letter, you will be deemed to have acknowledged that the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: DE

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I am disputing a {$21000.00} collection account being reported by IQ Data XXXX related to XXXX XXXX XXXX MA, dated XX/XX/XXXX. This debt is inaccurate and should not be on my credit report. 

At the time, I had just given XXXX  and was unable to work. I applied for rental assistance, and the payment was approved. However, the apartment complex failed to submit the necessary documents to receive the funds. As a result, they pursued eviction and tried to collect the full amount, even though help was available. 

This matter went to court and was settled in my favor in XXXX, I was not found responsible for the {$2100.00} I reached out directly to IQ Data XXXX and received no response. This collection account is severely damaging my credit, even though the matter has already been legally resolved. 

Im requesting that this account be removed from my credit report immediately as it is inaccurate and unfairly affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I fell behind in my mortgage payments due to job loss and job relocation. I met with a XXXX to submit an application for mortgage assistance on XX/XX/year>. After this, I called about XXXX weeks later in XXXX to see the status of the application, during this phone call, it was relayed to me that my application was still under review and that i should hear an answer in XXXX  days. Within XXXX  days, In XXXX, I received a call saying we had missed a date on the application. We completed the date and resubmitted an application at that time. I called XXXX times to get a status update and when i called i was informed my application was still under review. I called the week of XX/XX/XXXX and again was told my application was under review. I have never been told about missing docs needed to keep the application processing. I am anxious to resume my mortgage payments, and the longer time goes by, my past due is growing. I would like to be considered for a loan modification and any other mortgage assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Mid Atlantic FINANCIAL place a reported fraud credit report on my credit. XXXX XXXX  they put a fraudulent report. I have never did any contract with them. They bought my Information illegally. I want to sue for fraudulent violation and consumer violation. I WANT MY TITLE. I paid over a year ago. They call me everyday every hour. I told them I am religious and they call me constantly while at church. They have disturbed my walk with my XXXX the creator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-10 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: GA

Complaint narrative:
XX/XX/XXXXXXXX  TransUnion XX/XX/XXXX equifax XX/XX/XXXX Experian XXXX. XXXX - {$12.00} XXXX. XXXX XXXX XXXX - ( Reported balance {$25000.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX ( Charged off for {$720.00} ) XXXX. XXXX XXXX XXXX - ( Late payment reported XX/XX/XXXX ) Sent dispute letter for inaccurate items to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
XX/XX/XXXXXXXX  TransUnion XX/XX/XXXX equifax XX/XX/XXXX Experian XXXX. XXXX - {$12.00} XXXX. XXXX XXXX XXXX - ( Reported balance {$25000.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX ( Charged off for {$720.00} ) XXXX. XXXX XXXX XXXX - ( Late payment reported XX/XX/XXXX ) Sent dispute letter for inaccurate items to be removed.

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 2025-06-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this formal complaint against CREDENCE RESOURCE MANA and XXXX  for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

A collection account from CREDENCE RESOURCE MANA has been reported on my XXXX credit report without providing me with the legally required validation notice or disclosures prior to its appearance on my consumer file. This collection was added without my knowledge, consent, or any attempt to verify its legitimacy, in direct violation of federal law. 



Legal Violations : 1. Violation of FDCPA 15 U.S.C. 1692g ( Validation of Debts ) CREDENCE RESOURCE MANA failed to send me a written notice within five days of initially placing the debt for collection, as required by 15 U.S.C. 1692g ( a ). I was not given the opportunity to validate or dispute the debt before they reported it to XXXX. 

2. Violation of FCRA 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) XXXX is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting a collection account that was never properly validated or disclosed violates this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC
State: CO

Complaint narrative:
I am submitting a complaint against Certegy for improperly blocking a legitimate Colorado state refund check with a reference number that does not exist in their system. Despite repeated attempts to resolve the matter by phone and online, I have not received a valid explanation or resolution. 

This denial has caused me financial hardship, emotional distress, and loss of access to my state refund funds. 

I request that the CFPB / FTC investigate Certegy for violations of the Fair Credit Reporting Act and take appropriate action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
XXXX XXXX XXXX place a reported fraud credit report on my credit. XXXX XXXX  they put a fraudulent report. I have never did any contract with them. They bought my Information illegally. I want to sue for fraudulent violation and consumer violation. I WANT MY TITLE. I paid over a year ago. They call me everyday every hour. I told them I am religious and they call me constantly while at church. They have disturbed my walk with my XXXX the creator.

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 2025-06-10 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: FL

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this formal complaint against JEFFERSON CAPITAL SYST and XXXX  for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

A collection account from JEFFERSON CAPITAL SYST has been reported on my XXXX  credit report without providing me with the legally required validation notice or disclosures prior to its appearance on my consumer file. This collection was added without my knowledge, consent, or any attempt to verify its legitimacy, in direct violation of federal law. 



Legal Violations : 1. Violation of FDCPA 15 U.S.C. 1692g ( Validation of Debts ) JEFFERSON CAPITAL SYST failed to send me a written notice within five days of initially placing the debt for collection, as required by 15 U.S.C. 1692g ( a ). I was not given the opportunity to validate or dispute the debt before they reported it to XXXX. 

2. Violation of FCRA 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) XXXX  is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting a collection account that was never properly validated or disclosed violates this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-10 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-10 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: GA

Complaint narrative:
15 USC 1681c-2 This is a formal statement regarding fraudulent activity found on my credit report. I never gave consent to any of the listed items. Block and remove all entries mentioned in the FTC report and attached PDF. They are to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
FRAUDULENT REPORT. I DONT KNOW THE COMPANY. ONE DAY THEY CALL ME AND MY FAMILY 8 TIMES IN A ROW. WHEN I ANSWERED THEY SAID I OWE THEM MONEY. IF I DON'T PAY THEY WILL REPOSSESSE VEHICLE AND I PAID {$800.00}. I WANT IT BACK I WAS UNDER DURESS. THEY SAID IF I DIDN'T PAY THEY WOULD TAKE MY PROPERTY. THESE PEOPLE ARE DEBT COLLECTORS. THEY ARE FRAUDULENT. I NEVER MET THEM NOR SEEN THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this formal complaint against PORTFOLIO RECOV ASSOC and XXXX  for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

A collection account from PORTFOLIO RECOV ASSOC has been reported on my XXXX  credit report without providing me with the legally required validation notice or disclosures prior to its appearance on my consumer file. This collection was added without my knowledge, consent, or any attempt to verify its legitimacy, in direct violation of federal law. 



Legal Violations : 1. Violation of FDCPA 15 U.S.C. 1692g ( Validation of Debts ) PORTFOLIO RECOV ASSOC failed to send me a written notice within five days of initially placing the debt for collection, as required by 15 U.S.C. 1692g ( a ). I was not given the opportunity to validate or dispute the debt before they reported it to XXXX. 

2. Violation of FCRA 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) XXXX  is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting a collection account that was never properly validated or disclosed violates this standard.

Company response to consumer: Closed with explanation