vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am filing a formal dispute regarding a collection account reported by Southwest Credit Systems for a balance of {$640.00}, with the original creditor listed as XXXX. The account was opened on XX/XX/year>, and is currently being reported as a collection with no payments made. 

I previously disputed this account through the credit bureaus, as reflected in the account comments, but I have not received adequate documentation validating this debt. I have no recollection of this debt and was not provided proper notice or verification, which is required under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I noticed a discrepancy between credit bureaus : the account number for this same Southwest Credit Systems collection is listed as XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX. This inconsistency raises concerns about data accuracy and whether this debt is being duplicated or misreported. I request that this discrepancy be investigated and resolved immediately. 

I am requesting that this account be thoroughly investigated. If the debt can not be fully validated with original creditor documentation, I ask that it be removed from all credit reporting agencies as required under the Fair Credit Reporting Act ( FCRA ). 

Please assist in resolving this matter as it is negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Code : 15 U.S.C. 1681 is a section of the U.S. Code that outlines congressional findings and the statement of purpose for the Fair Credit Reporting Act ( FCRA ). The FCRA is designed to promote accuracy, fairness, and privacy in consumer credit reporting. 15 U.S.C. 1681 specifically states that the banking system relies on fair and accurate credit reporting and that inaccurate reports can hinder the system 's efficiency. 

Company does not have a right to report fraudulent information that I did not do myself nor give anyone else permission to do on my behalf. I did not sign up for a XXXX. I do not have any knowledge of this collection. Please remove from my credit report, thank you.

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

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of govern
ment-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

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 2025-05-05 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: MI

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to comply with FCRA Section 605B. I submitted a formal identity theft dispute, requesting the XXXX block and permanent deletion of fraudulent accounts that do not belong to me. These accounts include : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX Account # : XXXX * * *, {$22000.00} ( previously removed, now reappearedsuggesting it was resold ) XXXX, Account # : XXXX * * * * * * * * * *, {$520.00} I provided an FTC Identity XXXX Report, government-issued ID, and proof of address. Despite meeting all legal requirements, these accounts remain on my credit report. Equifax has failed to block and delete them within the XXXX business days as required by law. I am requesting CFPB intervention to enforce compliance and ensure these accounts are permanently removed.

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

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 2025-05-05 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX failed to notify me of any payments due or missed on my student loan account, which ultimately caused a severe and unjustified hit to my credit score. They had the wrong email address on XXXX instead of my correct email XXXXand none of their phone calls came through, as they were flagged as spam. Most critically, I never received a single piece of physical mail to my home address warning me about missed payments or an impending delinquency. I only discovered the issue when my Experian credit score dropped XXXX points, and upon investigating, I learned I had been marked XXXX  days delinquent without any prior notice. 

The very next day, I created an online account with XXXX and immediately paid the full outstanding balance, including all late feeswithout issue. Ive since requested a goodwill deletion of the XXXXday delinquency because my credit score was previously over XXXX, and I have never missed a payment on anything in my life. This situation is now severely impacting my ability to finance a car or obtain a new credit card. Every time I try to get help, Im either transferred endlessly, hung up on, or given vague responses with no resolution. XXXX not disputing that I owed moneyIm pointing out that I was never given fair notice to resolve it, and XXXX lack of communication is now hurting my financial future through no fault of my own.

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 2025-05-05 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a official letter from Service Finance Company , LLC that was a credit report. The credit report appears to belong to someone else, but is using my address. 

The name is not mine or my families, but the address is clearly our address. I have called the Service Finance Company , LLC to report the issue. They were not able to give me any further information about the account/person on file, except he did confirm that the phone number they have on file is not mine or my families. 

My assumption is that someone used my address ( and possible other info ) to take out a loan with this company. I do not know the extent of my information that was used to get this loan, only that my address was used. I fear that my SSN and other info may have been used for this.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have been a BMO bank  account holder for several years. My dealings with this bank are very complicated and do not resolve any customer issues. I am XXXX  and I had to return to XXXX for a few months because my XXXX XXXX XXXXXXXX in XX/XX/XXXX. We were devastated by this sad news. Given this XXXX XXXX, I stayed in XXXX for several months to help my XXXX  and manage the funeral and all the administrative work. Because of this tragedy, a payment for my credit card was not made for an amount of {$40.00} for more than XXXX  days, upon my return to the XXXX I contacted BMO customer service to explain my problem, I either never received a response or they hung up on me, for the agencies, no one could answer me and direct me to customer service. The bank decided to report this delay to the rating agencies and this significantly reduced my credit report when I wanted to borrow to buy my first home. After several weeks ( or even months ) I had contact with the BMO dispute department, after sending a letter of explanation on XX/XX/XXXX to this department, I never received a response, I had to follow up on XX/XX/XXXX and receive a standard response on XX/XX/XXXX without analysis and without any state of mind. I would also like to point out that we have asked to change the address for our accounts and business cards for XXXX  years and that this has never been done, all our statements and credit cards are accessible by people we do not know, this is very dangerous and unprofessional, we have called dozens of times, sent emails, come to the agency but nothing has been done!

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXXSS #: XXXXEquifax\nP.O. Box XXXX  GA XXXX\n\n\nSubject: Escalation of Unresolved Credit Disputes via CFPB  Formal Complaint\nDear Equifax,\nI am writing to formally dispute multiple inaccurate and unverifiable entries on my Equifax credit report. Despite prior attempts to resolve these issues directly with your bureau, I have received no proper validation or corrective action. Therefore, I am escalating this matter by submitting a complaint through the Consumer Financial Protection Bureau (CFPB).\nBelow are the specific items in dispute:\n________________________________________\nCharge Offs\n\tXXXX XXXX XXXX  #XXXX\n\XXXX #XXXX\nThese accounts are being reported as charge-offs without any substantiated documentation. As per FCRA  623(b) and FCRA  611, I demand full validation of these debts. Please provide the original signed contracts, a complete payment history, and legal justification for the charge-off status. If such documentation cannot be provided, these items must be deleted.\n________________________________________\nCollections\n\tXXXX XXXX XXXX #XXXXn\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX-**************\n\XXXX XXXX XXXX\nThese third-party collections are listed on my report, but they remain unverified and potentially inaccurate. According to FDCPA  809(b) and FCRA  1681i, you must validate these accounts with supporting legal documentation, including proof of ownership, chain of assignment, and original creditor agreements. If no such evidence is available, these collections must be promptly removed.\n________________________________________\nHard Inquiries\n\tP.T. XXXX XXXX  - XXXXn\tXXXX XXXX XXXX  USA - XXXX\n\XXXXXXXX XXXX XXXX XXXX XXXX:\nThese inquiries were not authorized by me and may violate FCRA  604(a), which mandates that inquiries must have a permissible purpose. Please provide documentation showing my written authorization for each inquiry. If you cannot, these must be deleted to prevent continued harm to my creditworthiness.\n________________________________________\nRequested Resolution:\nIn accordance with the Fair Credit Reporting Act, I demand that Equifax reinvestigate each of the items listed above. If the furnishers cannot provide accurate, complete, and legally verifiable information, the items must be deleted per FCRA  611(a)(5). This letter is being submitted as part of an official CFPB complaint, and I request a written response within the required XXXX-day timeframe.\nSincerely,\nXXXX XXXX

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

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 2025-05-05 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: PA

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My federal student loans through the Department of Education are currently in forbearance, yet a false delinquency was reported on my credit report. This is inaccurate and damaging to my credit. I am requesting an immediate investigation and correction of this false reporting My loans have been in forbearance since XX/XX/year>. When I requested my forbearance they closed all my old accounts and consolidated them to XXXX account ; and advised that my account is delinquent with a missed payments, even if it didnt exist to dates they advised.

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

Complaint narrative:
My federal student loans through the Department of Education are currently in forbearance, yet a false delinquency was reported on my credit report. This is inaccurate and damaging to my credit. I am requesting an immediate investigation and correction of this false reporting My loans have been in forbearance since XX/XX/year>. When I requested my forbearance they closed all my old accounts and consolidated them to XXXX account ; and advised that my account is delinquent with a missed payments, even if it didnt exist to dates they advised.

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 2025-05-05 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: MS

Complaint narrative:
On XX/XX/year>, a company owned my Equifax named XXXX XXXX shared my consumer report online in response to a loan application. 

Please be advised that I have a security freeze, as well as, identity theft protections in place with Equifax which should also include any other companies owned Equifax. 

Your actions in providing my consumer report to XXXX XXXX XXXX XXXX on XX/XX/year> is a flagrant violation of the Privacy Act and a flagrant violation of the Fair Credit Reporting Act.

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

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