vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NC

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 2025-04-14 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: NC

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 2025-04-14 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: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Opened XX/XX/XXXX reported XX/XX/XXXX. Charge off Kia motor finance c # XXXX XXXX XXXX I dont understand why they debt is on my report the I purchased gab and was informed that would take care of my balance.

I contacted the company about it being paid off by the insurance company and me having gab that was never used and was informed that they would look into it and let me know. Never received any calls about them looking into it but the debt was off by my insurance company and the remaining should she been under gab insurance which is the XXXX dollars.

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings
State: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered a collection account for a debt I was unaware of, allegedly owed to a music school. I immediately contacted the debt collector via email to dispute the validity of the debt, noting that the signature on the contract does not match mine. In response, the debt collector falsely claimed that I had alleged identity theft, which I did not, and their tone was dismissive and unprofessional. I informed them that their response was inappropriate and misleading. As a result of their conduct and the questionable nature of the debt, I am filing a formal dispute with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Alorica Inc.
State: FL

Complaint narrative:
I had a line of credit with XXXX they closed and sold my account to SST. Somehow SST transferred my line of credit into a 60 month installment loan with over {$4.00} in daily interest. This was not the term i agreed to with XXXX and I feel that I am being taken advantage of and my payments are not going to my balance. XXXX notified me in XX/XX/year> of the change and SST begin taking my money in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Transunion will not allow me to log in to the account to unfreeze my credit report. After many calls and text chats, they always end with " were going to elevate this and you will receive and email on how to proceed '' i have yet to receive a single email from them about anything. This is unacceptable, companies run credit checks through transunion and there is no way for me to unfreeze my account and no help from transunion

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 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am receiving false information regarding a debt I do not owe : I have requested a letter of verification regarding this debt and each time I am met with attempts to collect credit card or bank information from me attempts to gain my Social Security number they pretend to be confused on the account altogether and they will end the call right before confirming address or email address for receipt of letter. I have made six different phone calls and spoke with different people from this company to no avail. This that does not belong to me. I have never rented a property from XXXX XXXX XXXX XXXX nor have I ever engaged in business with them, I contacted the owner XXXX directly, and he himself claims no relationship with me on a business level and no contract had we ever engaged in I do not know how to keep these people from putting this false on my credit card. I will also note that this is a landlord property management company who Ive never rented from and there is no judgment or debt in court to these people so again this is a false debt in my name and its very serious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-04-14 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX sent debt validation request no response. In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer.

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 2025-04-14 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:
I was looking at my credit report and saw XXXX accounts that were not open by me.Please investigate this fraudulent accounts. 
XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2025-04-14 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 was looking at my credit report and saw XXXX accounts that were not open by me.Please investigate this fraudulent accounts. 
XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
Dept of Education Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
In XX/XX/XXXX, I was served a summons and complaint from Messerli & Kramer, PA. Neither document contained a case number or a date. With this information missing, I was unable to respond directly to the court. I received no further communication regarding this matter until they submitted a Garnishee Summons to my employer XX/XX/XXXX. I had no idea a case had been filed in XX/XX/XXXX and a default judgment entered on XX/XX/XXXX. Under SD state law ( 15-6-55 ( b ) ), I must be notified once the request for default judgment has been entered, giving me the ability to respond. This did not happen and because of that, a default judgment was granted and they are able to garnish my wages for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-14 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
As I was reviewing my consumer report. I noticed your company alleges on XX/XX/year> that I owe you {$320.00}. I am disputing owing any and all debts to your company. I am revoking all rights of you communicating with me via email/text/calls. 

I request a validation of the debt letter from your company. I also request a copy of the purchase agreement between your company and the original creditor. Along with requesting you furnish the proof that your company is licensed and bonded. 

Your company didn't provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. Your company didn't give me the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). You are violating my consumer rights by using false, misleading, misrepresentation and deceptive means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received mail to my house that a business checking account was opened with Wells Fargo under my maiden name and a fake business. 
I have not had a bank account with Wells Fargo in the last 20+ years and somehow someone used my social security number to open an account. I requested for the account to be closed and I had to call in multiple times to verify that it was indeed closed. 
I feel so violated and had to then put a freeze on all of my financial accounts and am very worried about any other additional accounts that may being attempted to be opened in my name. 
How can this happen without me being present to verify that I am actually opening the account? Also, clearly this is someone that is using old information because I haven't used my maiden name in years. I'm guessing an employee opened the account and used my old information. 
I received a mediation form in the mail, filled it out and sent it back with my request. A week later I received a voicemail saying they were Wells Fargo mediation and to call back during business hours to a direct line. I did that 4 different days without getting a call back even through the voicemail says to leave a message and a call back would be expected within 24 hours. That never happened. Finally I got a call after about 2 weeks and they said they want to do a little research and to give them 10 days. 
I have no faith in them finding an agreeable resolution for me. This whole experience is extremely shady. 
So disappointing.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have a brokerage account with Robinhood. Ive made deposits and withdrawals numerous times over the years. When making deposits, Ive used multiple debit cards for instant transfers. And each time Robinhood has requested for me to take snapshots of my face via app and to verify codes which is sent to my bank accounts. Ive submitted my drivers license numerous times, too. Lastly, Ive submitted bank statements proving all are my accounts. They keep escalating it and prolonging accessing my account to trade, deposit, and or for withdrawals. They are holding my funds hostage. Here are my records of deposits thats currently in my Robinhood account : Deposit to individual from XXXX XXXX... 

XXXX to individual from XXXX XXXX... 
XXXX XXXX, 2025 + {$500.00} Deposit to individual from XXXX XXXX... 
XXXX XXXX, 2025 + {$400.00} XXXX XXXX, 2025 + {$500.00} Deposit to individual from XXXX XXXX... 
XXXX XXXX, 2025 + {$150.00} Withdrawal from individual to XXXX De... 
XXXX XXXX, 2025 - {$310.00} > Deposit to individual from XXXX XXXX... 
XXXX XXXX, 2025 + {$150.00} Deposit to individual from XXXX XXXX... 
XXXX XXXX, 2025 + {$200.00} Deposit to individual from XXXX XXXX... 
XXXX XXXX + {$320.00} Deposit to individual from XXXX XXXX. 
XXXX XXXX Deposit to individual from XXXX XXXX... 
XXXX XXXX Deposit to individual from XXXX XXXX... 
XXXX XXXX + {$120.00} > + {$110.00} + {$220.00}

Company response to consumer: Closed with explanation