vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am filing a formal complaint against Monetary Financial Collections in association with XXXXXXXX XXXX XXXX XXXX for reporting a fraudulent collections account on my credit report in the amount of {$1000.00}, which I do not owe. This erroneous account is negatively affecting my ability to join the XXXX XXXX and to pursue educational opportunities, which is directly harming my future and my ability to provide for my family. 



In XX/XX/year> I participated in a XXXX presentation hosted by XXXX XXXX XXXX XXXX They advertised that by simply attending the presentation, I would receive a free 4-5 day cruise or a 5-day hotel stay. They explicitly stated that : No purchase was necessary No financial obligation would be required Participation was completely free of charge I did not agree to any terms or make any purchases, nor did I sign any contracts. Despite this, Monetary Financial Collections has now reported a {$1400.00} debt to the credit bureaus, claiming that I owe them for something I never agreed to or received.

This is a fraudulent and predatory practice. The company has also engaged in persistent and unwanted harassment, calling me at all hours and on multiple days of the week. I have made it clear to them that I do not owe this debt, and yet they continue to contact me.

I am requesting the following : Immediate removal of this fraudulent collection account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 
A formal investigation into the business practices of XXXXXXXX XXXX XXXXXXXX XXXX and Monetary Financial Collections. 
Assurance that this matter will not prevent me from pursuing XXXX XXXX and educational advancement.

This situation has been extremely detrimental to my livelihood, and I respectfully ask for your assistance in rectifying it as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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. 
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent credit card accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of : - A credit card opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. 
- A credit card opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. 

These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I tried to call to inquire how I could add this to my digital wallet, American Express told me I couldn't, despite clearly having the instructions on their site. I then tried to use it at various retailers, which was declined. I then tried to get them to send me a physical card to use at stores, which was told I could not. I can not do anything with this card as it stands despite following ALL their instructions. Buyer beware- do not buy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
ispute To Whom It May Concern, I am formally disputing the alleged debt that Diversified Ajustrme Here has reported to my credit file. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt.

Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it.

To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists. 
Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect.

Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection.

Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account. 
Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C.

1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details.

Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided.

Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. 
All responses must be sent in writing to the address listed above. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
My name is XXXX XXXX, and I discovered a fraudulent XXXX XXXX XXXXXXXX account ( ending in XXXX ) listed on my Equifax credit report. This account was allegedly opened in XX/XX/XXXX, but I did not enter the United States until XX/XX/XXXX, making it impossible for me to have opened or used this account. I submitted a dispute to Equifax with documentation proving my U.S. entry date and identity, but the credit reporting company refused to remove the account, stating it was verified as reported. While they corrected my legal name from a mistaken alias XXXX XXXX, they have failed to take action on the fraudulent account. This is a clear case of identity misassociation, and I am seeking help to have the inaccurate item permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX. 

Subject : Formal Dispute of Inaccurate Credit Information under 15 U.S.C. 1681s-2 and 1681e ( b ) To Whom It May Concern : I am writing to formally dispute inaccurate information that is being reported on my credit report. This letter serves as a notice under 15 U.S.C. 1681i, as well as to remind you of your obligations under 15 U.S.C. 1681e ( b ) and/or 15 U.S.C. 1681s-2.

The item ( s ) in question are : Creditor/Furnisher Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : THIS ACCOUNT HAS BEEN DEEMED AS A PROFIT LOSS AND REPORTED DIRECTLY TO THE IRS AND IT CAN NOT BE UPDATED AS A DELIQUENCY.

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. The above item is inaccurate and is causing harm to my credit profile. Additionally, if you are a furnisher of this information, under 15 U.S.C. 1681s-2 ( b ) you are required to conduct a reasonable investigation upon notice of a dispute and correct or delete any inaccurate or unverifiable information.

I request that you conduct a full and prompt investigation into this matter and that you : Verify the accuracy of the information ; Delete or correct the inaccurate or unverifiable entry ; Provide me with written confirmation of the results of your investigation ; Send an updated report to all credit reporting agencies to which you have reported this data.

Please consider this a formal dispute and act accordingly under federal law. If I do not receive a satisfactory resolution within 30 days, I will consider further action seeking legal remedy. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft and coercive lending practices. A fraudulent auto loan in the amount of {$41000.00} was opened in my name through 26 Motors dealership in the XXXX and financed by Toyota Motor Credit. I was coerced into signing documents that unlawfully waived my rights under the Truth in Lending Act ( TILA ), which is a clear violation of 15 U.S.C. 1635 ( e ).

Despite submitting an FTC Identity Theft Report ( XXXX XXXXXXXX ), Toyota has continued to report this account to credit bureaus. I am requesting the CFPBs immediate intervention to force deletion of this account and stop all collection activity in accordance with FCRA 1681c-2 and 1681i.

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal and lawful demand to update my credit file with a tradeline reflecting a debt obligation that I have legally assumed and fully satisfied. I have provided documentation proving that the debt has been reassigned to me through a legal agreement and paid in full by me. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code Articles 3 and 9, particularly UCC 3-603 and UCC 9-210 , I have the right to have my credit report accurately reflect my financial actions, including lawful payments made under reassigned debt obligations.

Company response to consumer: Closed with explanation