vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XX/XX/year> Absolute Resolutions Investments , LLC Re : Dispute of Alleged Debt / Response to XXXX XX/XX/year> Closure Letter * * Original Account Number : * * * XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern : I am in receipt of your response dated XX/XX/year>, regarding the alleged debt and your decision to close my complaint. Please be advised that your response does not constitute proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The information you provided including general statements about the debt, the charge-off, and the alleged assignment is insufficient to verify the validity of the debt or your legal right to collect it. I hereby reiterate my demand for full validation, which must include, but is not limited to : A copy of the original signed credit agreement or contract bearing my signature, evidencing the creation of the account and terms alleged. A full accounting of the debt, including all charges, interest, payments, and fees leading to the current balance of {$1900.00}. Complete documentation of the chain of title, from the original creditor to Absolute Resolutions Investments , LLC including the bill of sale, assignment agreement, and any schedules identifying this specific account. Verification that this debt was not securitized at any point during its lifecycle. If the account was securitized, provide evidence of the trust or instrument into which it was placed, and identify the current legal owner of the debt. If it was not securitized, provide documentation attesting to that fact, signed under penalty of perjury. Confirmation of your authority to collect, including your license numbers for the states in which you are attempting to collect and any relevant bonding information. Confirmation that the debt is being accurately reported, and that it has been marked as disputed with all credit reporting agencies, pursuant to 15 U.S.C. 1692e ( 8 ). Until you have provided all the information requested above, you must cease collection activities and refrain from reporting this debt to any credit bureau, or you must immediately remove it if already reported. Failure to comply may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). This is a continued formal dispute of the alleged debt. If you can not validate the debt per federal requirements, you are required to cease collection and remove this tradeline from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts currently listed on my credit report. Inaccordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15U.S.C.1681i ], I respectfully request a investigation into the following accounts : 1XXXX Account XXXX XXXX 2.XXXX  Account XXXX XXXX 3.XXXX Account XXXX XXXXXXXX 4.XXXX XXXX Account XXXX XXXXXXXXXXXX 5XXXX  - Account XXXX XXXXXXXXXXXX 6.XXXX - Account XXXX XXXX 7.XXXX- Account XXXX XXXXXXXX These accounts are either inaccurate, outdated, or unverifiable. If these entries can not be validated with complete and accurate documentation from the original creditor, they must be removed from my credit profile. 
These negative marks are also preventing me from securing housing for my family. I am currently in the process of trying to purchase a home to provide a safe and stable environment for my children. These accounts are hindering my ability to qualify for a mortgage and are causing undue financial and emotional stress. 
In accordance with FCRA, please complete your investigation within 30 days and provide written confirmation of the outcome. Enclosed are copies of my government-issued ID and a recent utility bill as proof of my identity and residence. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts currently listed on my credit report. Inaccordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15U.S.C.1681i ], I respectfully request a investigation into the following accounts : 1XXXX Account XXXX XXXX 2.XXXX  Account XXXX XXXX 3.XXXX Account XXXX XXXXXXXX 4.XXXX XXXX Account XXXX XXXXXXXXXXXX 5XXXX  - Account XXXX XXXXXXXXXXXX 6.XXXX - Account XXXX XXXX 7.XXXX- Account XXXX XXXXXXXX These accounts are either inaccurate, outdated, or unverifiable. If these entries can not be validated with complete and accurate documentation from the original creditor, they must be removed from my credit profile. 
These negative marks are also preventing me from securing housing for my family. I am currently in the process of trying to purchase a home to provide a safe and stable environment for my children. These accounts are hindering my ability to qualify for a mortgage and are causing undue financial and emotional stress. 
In accordance with FCRA, please complete your investigation within 30 days and provide written confirmation of the outcome. Enclosed are copies of my government-issued ID and a recent utility bill as proof of my identity and residence. 
Thank you for your immediate attention to this matter. 

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 explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - 2025-XXXX XXXX XXXX XXXX - 2025-XXXX XXXX XXXX XXXX  - 2025-XXXX XXXX XXXX XXXX  - 2025-XXXX XXXX XXXX XXXX  - 2025-XXXX XXXX XXXX XXXX  - 2025-XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 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: NJ

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 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 2025-05-28 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX Balance {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I had a joint account with my father. He wanted to protect this specific account from the rest of the family. My sister and brother in law were able to hack into the account and printout everything. They disbursed it to family members and created immense turmoil and emotional distress. I called the banks XXXX XXXX and they advised me to just take my money out of the account. They werent sure how the account was able to be accessed by other family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-28 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 am filing this complaint because my TransUnion credit report contains inaccurate and fraudulent information. I recently obtained my credit report and discovered several collection accounts and inquiries that are not mine and are a result of identity theft. The specific fraudulent accounts and unauthorized inquiries are : Collection Account : XXXX  with an original creditor listed as " XXXX XXXX XXXX XXXX, '' opened on XX/XX/XXXX, with a balance of {$21000.00}. This account is not mine. 
Collection Account : Another XXXX account, also with " XXXX XXXX XXXX XXXX '' as the original creditor, opened on XX/XX/XXXX, with a balance of {$21000.00}. This account is also fraudulent. 
Collection Account : XXXX XXXXXXXX, with an original creditor listed as " XXXX XXXX XXXX, '' opened on XX/XX/XXXX, with a balance of {$14000.00}. I did not open this account. 
XXXX : XXXX XXXX, inquired on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX : XXXX XXXX, inquired on XX/XX/XXXX. This inquiry is unauthorized. 
These entries are negatively impacting my credit score and financial well-being. Under Florida Statute 817.535, as a victim of identity theft, I am entitled to have this fraudulent information blocked from my credit report.

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 2025-05-28 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 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:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( XXXX  ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status Credence Resource Management XX/XX/XXXX {$660.00} Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Collection/Charge Off Supporting Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). 
XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
XXXX. A copy of the police report documenting the identity theft incident. 

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX  XXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action UndeXXXX FCRA XXXX XXXX, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( XXXX  ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status Credence Resource Management XX/XX/XXXX {$660.00} Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Collection/Charge Off Supporting Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). 
XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
XXXX. A copy of the police report documenting the identity theft incident. 

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX  XXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action UndeXXXX FCRA XXXX XXXX, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
An auto loan account with XXXX is being reported under my name, but I did not open or authorize this account. I am not responsible for this debt. 

I became aware of this account on [ insert approximate date ], and I have no connection to this vehicle or financing agreement. This appears to be a case of either identity theft or a reporting error. 

I have contacted the company and requested documentation proving the account belongs to me. To date, they have not provided any valid proof. I am requesting that this account be immediately removed from my credit report and that any negative reporting be corrected. 

This inaccurate information is causing harm to my credit and financial wellbeing. I want this matter resolved as quickly 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 2025-05-28 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: NY

Complaint narrative:
Dispute ID : XXXX Date of Dispute : XX/XX/year> Amount : {$1200.00} USD I made a purchase using the Branch App. The seller provided tracking information, and the transaction was marked as delivered. However, the item was not delivered to my correct address, and I never received it. 

The correct delivery address was not used. No one at my location accepted the package. I contacted Branch and filed a dispute, explaining that the seller shipped the item to the wrong address. Despite this, the dispute was denied based solely on the tracking status, without any verification of the actual delivery location or recipient. 

As a result, I am being held responsible for a charge related to an item I never received, due to the sellers error. I am requesting that the dispute be reopened and the full amount refunded. 



I respectfully request a full refund of {$1200.00} and a fair re-evaluation of the dispute. I am happy to provide supporting documents if needed. 



Company Information ( to enter manually in CFPB form ) : Company Name : Branch Messenger , Inc . 
Website : XXXX : XXXX Email ( support ) : XXXX Phone ( optional ) : Not publicly listed, contact via email Banking Partner XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation