vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX this XXXX to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX 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 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I had noticed on my credit that I have been charged for an account with XXXX XXXX XXXX for the amount of {$330.00}. I did my due diligence and went in person to spectrum to see exactly what was going on, and they couldnt find my information on the system. They went ahead and referred me to a phone number for spectrum where they could verify my information. I went ahead and called that phone number and the representative who actually found out that the account of {$330.00} was being charged to me and sent to my collections because the person who was actually the owner of the account was not being able to be found in the system with spectrum. The person who is the owner of the account has the same name as me ( maiden last name ). The persons birthday does not match mine though, and they did not include a Social Security. I take this offensively and irresponsibly in the part of XXXX since they were so impulsively to charge me with an account that is not mine. I am disappointed since I have been part of the XXXX  family for years. It is disappointing that they jumped on the first person they saw that at the same name and they charged him for an account that has been delinquent in since XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$700.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$610.00}, XXXX XXXXXXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On Friday, XXXX XX/XX/XXXX, I learned from my credit card company, XXXX  XXXX XXXX XXXX, that my XXXX score was about XXXX. That's good, but my father pays all of the bills for the family on time and has a excellent score over XXXX. When I looked into this discrepancy, I learned that XXXX XXXX  had charged me {$220.00} years ago on XXXX XX/XX/XXXX, never received payment and referred the debt to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They, in turn, never contacted me to my knowledge, and wrote off the debt on XXXX XX/XX/XXXX. 

The whole problem that lead to the only negative on my credit reports was due to the fact that Comenity/Woman Within NEVER sent be a bill, at any time. To forestall such an oversight, I checked my account monthly online. BUT, I found that I could not access the account and so, being in ignorance, could not resolve this. Therefore, I had no means of learning of the debt no less paying it. 

I tried contacting Comenity Bank on Friday XXXX XXXX and Monday XXXX XXXX about this problem, but they do not accept emails. 

I contacted XXXX XXXX XXXX today and they were cooperative. The debt will be XXXX by XXXX XX/XX/XXXX with a check for the full amount to be mailed today. Upon receipt of payment, they will withdraw their negative credit report. But they could do nothing about Comenity/Woman Within 's negative report. 

If you check my credit report, you will find that I receive " Exceptional payment history '' on ALL sixteen ( XXXX ) accounts reported including XXXX XXXX , a sister account. Why would I single out Comenity/Woman Within for non-payment? I believe this supports my contention that I was never billed or otherwise notified of the debt. Otherwise, there would have been NO PROBLEM, and the account would never have needed to be assigned to collections or written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
ON XXXX XX/XX/year>... I DEPOSITED A CHECK FROM MY CUSTOMER IN THE AMOUNT OF {$4900.00}. BY ACCIDENT, I DEPOSITED THE CHECK INTO THE WRONG ACCOUNT. I DEPOSITED THE CHECK INTO MY PERSONAL ACCOUNT INSTEAD OF MY BUSINESS ACCOUNT. ON XXXX XX/XX/year>... XXXX CHECKED MY ACCOUNT TO SEE IF THE BANK ( 5/3RD BANK ) ... .HAD CLEARED THE CHECK.IT DID NOT. SO ON XXXX XX/XX/year> I CONFRONTED ONE OF THE BANK REPRESENTATIVES ( XXXX XXXX ) ... OF THE MISTAKE I MADE DEPOSITING THE SAID CHECK INTO THE WRONG ACCOUNT BY ACCIDENT ... .AND ASKED IF THE BANK COULD POSSIBLY JUST TRANSFER THE CHECK TO THE CORRECT ACCOUNT SO I MAY BE ABLE TO ACCESS THE FUNDS TO PURCHASE MY CUSTOMERS MATERIALS TO BUILD HER FENCE. THE REPRESENTATIVE THEN ASKED ME FOR MY SSN, DOB, AND ADDRESS ... .SO I GAVE HIM THE IMFORMATION ONLY FOR HIM TO TELL ME HE SEES NO DEPOSIT OF SAID CHECK IN EITHER OF MY ACCOUNTS ... WHEN HE SAID THIS... I WAVED A PRINT OUT IN FRONT OF HIM, ASKING HIM " WHAT ARE YOU TALKING ABOUT? "... " I HAVE IT RIGHT HERE IN XXXX AND WHITE! " ... AND THEN ASKED ... '' IF I CAN SEE IT ON MY PERSONAL COMPUTER AT HOME, WHY CANT YOU SEE IT HERE? " ... THEN HE TELLS ME IT COULD BE FRAUD ... XXXXAGAIN, HE RECIEVED ALL MY PERSONAL IMFORMATION VIA VERBAL AND I HAD ACTUAL PROOF AND THEY STILL REFUSED TO HELP... .TO THIS DAY IT STILL HAS NOT BEEN FIXED.I DID RESEARCH ON THE ILLEGAL ACTIVITIES INVOLVING 5/3RD BANK WITH OTHER CUSTOMERS AND BELIEVE THIS WARRANTS INVESTIGATION AND I DESERVE TO BE GIVEN ACCESS TO THE MONEY THAT WAS DEPOSITED INTO MY ACCOUNT... .I AM A 17 YEAR XXXX XXXX XXXX XXXX  AND DESERVE A LOT MORE RESPECT THAN WHAT I HAVE BEEN GIVEN... AND REGARDLESS OF ANYONES BACKGROUND LIKE MINE ... NO ONE DESERVES TO BE TREATED IN THIS MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, 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. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # : **** XXXX opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$3800.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$1600.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$530.00}. Inquiries : XXXX XXXX, XXXX Co XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered a collection account from ProCollect on behalf of XXXX XXXX XXXX in the amount of {$6700.00}, reported on XX/XX/year>. I had no prior knowledge of this account, nor did I authorize ProCollect or XXXX XXXX to access, report, or collect any of my financial information. 

Furthermore, the address associated with this account was never reported on my credit file until this collection appeared. This raises serious concerns about the legitimacy of the debt and the accuracy of the reporting. Additionally, my personal information was compromised in a data breach, which may have led to fraudulent activity on my credit report. Given these circumstances, I have reason to believe that this collection account was opened and reported in error. 

I was never informed of this debt, never received verification, and did not authorize any such financial obligation. Therefore, I am formally disputing this account and requesting its immediate removal 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 explanation
Consumer complaint received 2025-04-01 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: Collection Professionals, Inc.
State: TX

Complaint narrative:
Collection Professionals Inc. is reporting four accounts ( XXXX, XXXX, XXXX, XXXX ) that can not be verified, as no original creditor is listedonly the generic label " Medical. '' This violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

First, failing to list the original creditor prevents me from verifying the alleged debt, violating 15 U.S.C. 1692g ( a ) ( 2 ), which requires debt collectors to provide the name of the original creditor. Additionally, I never received any written notice from this agency, which is a violation of 15 U.S.C. 1692g ( a ), requiring debt collectors to send a written validation notice within five days of initial communication, informing consumers of their right to dispute the debt. 

Furthermore, all my past medical debts have been paid, and I do not owe any outstanding balances. The CFPBs final rule, effective XX/XX/year>, prohibits medical debt from being reported on credit reports or factored into lending decisions. Reporting these accounts in violation of this rule is a deceptive and unlawful act. 

I have attached a true bill detailing your violations. These accounts must be removed immediately, and payment for damages is to be remitted to the address listed on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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