vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX Account Number : XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report this fraudulent account, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. This account was already eliminated and not verified by other credit bureaus, so I do not understand why it is still being claimed that it belongs to me. 

I have also requested the original contracts from the company reporting this account, and for more than 60 days, I have not received any response. 

Please help me by immediately deleting this account from my credit report. I am attaching the FTC identity theft report, hoping that you will make a fair and appropriate decision in my case.

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 2025-05-20 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX regarding a debt I did not recognize. Following that complaint, the company voluntarily dissolved a wage garnishment that had been placed against me through a court filing. I received no further explanation or documentation at that time. 

Now, in XX/XX/XXXX, I unexpectedly received a refund check for {$240.00} from XXXX XXXX XXXX a company I have never had any relationship with. Shortly afterward, I discovered that XXXX XXXX had reactivated the same garnishment case against me, again without notifying me, without validating the debt, and without explaining the refund. 

This debt remains disputed and unverified. I am concerned that this is an unfair and abusive collection attempt, especially considering there is an unresolved history already on file with your agency. 

I respectfully request that the CFPB review the prior complaint on record, investigate this continued activity, and require XXXX XXXX to fully validate the debt and cease garnishment actions until proper documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPBs recent administrative proceeding ( File No.2025- ( FPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Exquifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
In accordance with the fair credit reporting act the list of inquiries have violated my rights. 
15 u.s.c. section 502A states I have the right to privacy. 

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: MI

Complaint narrative:
Willian Rush & Associates is attempting to collect a debt for XXXX XXXX XXXX, a company that shut down all operations in XXXX. I began treatment in XXXX, but was unable to complete it. Since XXXX  XXXX closed, I can no longer contact them by phone or email, and I am unable to access additional aligners, retainers, touch ups, or follow up care for my teeth. 

Because XXXX XXXX XXXX can not fulfill their side of the agreement and has no functioning customer service or support, I believe the amount Williams Rush & Associates is attempting to collect is invalid and inaccurate. I contacted the collector for more information and have no received no meaningful response or validation of the balance. 

This debt should not be collected, and it should be removed from my credit report immediately until the matter is investigated and resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Law 15 USC 1681i ( a ) ( 5 ) ( A ) Velocity is suing me for a debt they purchased from XXXX XX/XX/year>2023. 

1 ) I want a flow agreement 2. Transfer of assignment 3 ) Bill of Sale 4 ) Personal contract with LIVE signature 5 ) Has debt been securitized? If the original creditor no longer owes the debt, it can not be transferred to a debt collector, and they can not sue me.

Velocity has to prove true ownership of the debt therefore, I am challenging the debt buyer 's proof of ownership and the validity of the debt.

I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I mailed three dispute letters to Experian in XX/XX/year> regarding inaccurate or unverified collection accounts reported by XXXX Funding, XXXX XXXX, and XXXX XXXX XXXX. Each letter was sent directly by me with all identifying information included. Despite this, my mailed disputes were initially rejected and treated as " third-party disputes. '' This was confirmed during a phone call with an Experian representative named XXXX on XX/XX/year>, at approximately XXXXXXXX XXXX 

After that call, I re-mailed the disputes myself, but Experian marked all three accounts as " verified '' within 1 to 14 days, in some cases the same day. I received email results stating that the accounts remain, but Experian provided no documentation to support their verification. At least one debt collector ( XXXX XXXX ) only submitted a billing statement, and XXXX XXXX provided nothing at all. Experian has not confirmed whether any original creditor contracts or legal account ownership documents were reviewed. 

On XX/XX/year>, I mailed a Final Demand Letter to Experian formally requesting a proper reinvestigation or deletion of unverifiable items. Their previous actions appear to violate the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed credit 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 2025-05-21 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: FL

Complaint narrative:
It has come to my attention my personal information has exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find a copy of my ID, The FTC report complaints, a copy of the XXXX report showing my information being exposed in a national data letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
It has come to my attention my personal information has exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find a copy of my ID, The FTC report complaints, a copy of the XXXX report showing my information being exposed in a national data letter

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I am filing a complaint because my creditor is reporting late paymentson my account ending in # XXXX that are inaccurate and not properly verified. I have disputed this direclty with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2 ( a ) furnishers must report accurate information, under 15 USC 1681 ( I ) the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficent evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I XXXX XXXX was approved for a loan modification with Freedom mortgage I sent my XXXX  XXXX trial payments. I meet up with a notary person to sign all required documents from Freedom Mortgage. The documents was sent back with the last trial payment in the amount of XXXX $ ( money order ) however they retthe paperwork but not the money order. Ive emailed freedom mortgage the serial number to the ( money order ) like they asked. They received all the paperwork on XXXX XXXX its now XX/XX/2025 and they still havent retrieved the money order that was sent. The house is in active foreclosure due to their mistake AS USUAL. This company is a big scam every time I talk to someone nobody seems to know whats going on and every customer service representative tells me something different about my account. I have all the proof and information that I sent this for this loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I answer the phone and the guy on the other end won't shut up All he's asking is personal information questions non-stop and I've asked him repetitively what this is about you wouldn't answer my question so I hung up and I looked the phone number up and it says it's from portfolio collection agency now I'm not about giving my personal information out I don't know how they got the damn number in the first place now they can either stop or my loyal to be in touch with them for harassment I'm done with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Dear CFPB : Aidvantage is reporting inaccurate, adverse information to 3 credit bureaus knowing MY INCOME DRIVEN REPAYMENT IS {$0.00} ( ZERO ). Aidvantage continues with abusive and selectively targeted exploitation, and FRAUD. The have reported not receiving a payment of {$0.00} ( ZERO ) for XX/XX/year>, in a desperate attempt to extort money. Please assist as the entire debt will be deleted, per ELIGIBILITY AND SUBMISSION OF TOTAL AND XXXX XXXX XXXX, APPLICATION ( PRIORITY MAILED ON XXXX, RECEIVED ON XXXX, AND THE SAME INFORMATION MAILED UPLOADED ONLINE ON XXXX, CONFIRMED RECEIVED BY US DEPT OF EDUCATION AND AIDVANTAGE ). I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Best, XXXX XXXX XXXX XXXX  PHONEs : XXXX AND XXXX EMAILS : XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC
State: KY

Complaint narrative:
I kept getting calls and text from balance credit saying I was behind on my loan. 
I did not take a loan with this company. On XX/XX/XXXX the loan was approved by balance credit in my name but its not my loan.The check was deposited into an XXXX XXXX account that isnt my account for {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer protection financial act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair And deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 complaint concerns the re-insertion of fraudulent accounts on my Equifax credit report, following their prior removal, which constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant Florida statutes. 

On XX/XX/XXXX, I initiated a dispute with Equifax through the CFPB XXXX regarding several unauthorized accounts and inquiries on my credit report, explicitly stating I was a victim of identity theft. Equifax acknowledged receipt of my complaint and, after an investigation, provided a response on XX/XX/XXXX. This response indicated that some disputed items were deleted. However, concerning the accounts disputed in this complaint, Equifax verified the " BANK XXXX XXXX '' account belonged to me, and that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts also belonged to me, with certain fields modified for these accounts. 

Crucially, on XX/XX/XXXX, my credit report showed " Account Removed '' for the Bank XXXX XXXX account, the XXXX XXXX XXXX account, and the XXXX account. This confirmed that these specific accounts were, in fact, removed from my file. 

However, approximately XXXX month later, on XX/XX/XXXX, these exact same accounts were again reported on my credit report. These re-inserted accounts are identified as : - XXXX Bank XXXX XXXX account detected, opened on XX/XX/XXXX - New XXXX XXXX XXXX account detected, opened on XX/XX/XXXX - New XXXX account detected, opened on XX/XX/XXXX This re-insertion of previously removed fraudulent accounts has significantly impacted my credit score. 

As a victim of identity theft, I unequivocally state that I did not authorize the opening or re-reporting of these accounts. The re-insertion of these disputed and previously removed accounts demonstrates a failure by Equifax to maintain maximum possible accuracy in my credit report, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA. This is further compounded by the fact that these accounts were previously identified and removed, indicating a breakdown in their internal processes for ensuring data integrity, especially in cases of reported identity theft. This repeated reporting of inaccurate information also violates Florida Statute 817.535, which prohibits the reporting of false information to credit bureaus.

Company response to consumer: Closed with non-monetary relief