vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> CREDIT COLLECTION SERV XXXX, MA XXXX Subject : Debt Validation Request Dispute of Debt Dear [ Debt Collector 's Name or To Whom It May Concern ], I am writing in response to a collection notice I received regarding an alleged debt with the account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 
Specifically, I dispute the amount being claimed and the reported open date of this account. I do not acknowledge ownership of this debt and am requesting that you provide the following documentation to verify its validity : 1. The name and address of the original creditor.

2. A copy of the last billing statement from the original creditor, showing the amount due and the date it was due.

3. A complete payment history, including all interest, fees, and other charges added.

4. A copy of the signed agreement or contract that gives you the authority to collect this debt.

5. Proof that you are legally authorized to collect debts in my state. 
Until this information is provided, I request that you cease all collection efforts and remove any related entries from my credit reports. If you are unable to provide sufficient validation, you are required by law to delete this account and cease all further contact. 
Please consider this letter a formal dispute of the alleged debt. I request that all future communications be made in writing only. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

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 2025-05-07 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-07 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-07 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : Account Name : XXXX XXXX Account numberXXXX XX/XX/XXXX {$330.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX XX/XX/XXXX {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$390.00} Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX {$490.00}

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 2025-05-07 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: CT

Complaint narrative:
I previously disputed XXXX account with Trans Union XXXX Experian and Equifax regarding account number XXXXXXXX XXXX XXXX XXXX XXXX I reviewed my credit reports and Trans Union, Experian and Equifax is still reporting incorrect and inconsistent information. 
See attached screen shots of the account 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 2025-05-07 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VI

Complaint narrative:
Under 15 U.S. CXX/XX/XXXXe XX/XX/XXXXb Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, copy of XXXX report showing my information being exposed in a national data breach and a validation of debt 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: PA

Complaint narrative:
American first finance say I owe them a balance of XXXX thats a charge off. This account was open XX/XX/year> and closed on XX/XX/year>. This company is still submitting monthly on my credit report last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XX/XX/year>

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 2025-05-07 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The FCRA codes for credit reporting 1. The Date the account opened is different from all three credit reporting agencies.

2. The account types are different per agency.

3.The date the account opened is different per credit reporting agency 4 High Credit different with each credit reporting agency.

5. Last reported dates different with each credit reporting agency.

6.Comment " EXPERIAN ACCOUNT WAS SOLD IN DISPUTE-NOW RESOLVED '' 7. The date of Last activity is different from each reporting agency.

8.Date of Last payment is different with each credit reporting agency.

9. The two year payment history is completely different 10. I forgot to include my ID

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My brother is able to access my credit history and my loan details without my permission by using my XXXX XXXX details. 
My XXXX  number is XXXX and my brother details are : Name : XXXX XXXX XXXX Contact No : 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 2025-05-07 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: AL

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.

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 2025-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: UT

Complaint narrative:
First of all, we have the loan monthly payments set on autopay, and this problem should've not happened. We received two letters from mortgage conpany saying that we have late charge fees from XXXX and XXXX. And the reason why is because theirs been a misapplication reversal for XXXX payment that we did not request and the funds were on hold for two months. I wasn't aware of this until i received the letter of the late charge fees. We disregarded the first letter thinking it was scam because the payments are on autopay and thought since the funds weren't returned to our bank account that everything was okay. I'm sure it was done from a Loan Office, because we wanted some refinance options. But he never sent us options or quotes to review, and just sent us loan documents saying we needed to sign them. The forms had incorrect information and we weren't confident to refinance at the moment due to lack of communication, so we didn't sign them. Since then we tried to get this problem solved on getting the late fines waived, and correcting our negatively impacted credit. We called multiple times for over 5 weeks but servicing isn't able to help us, and the loan officer hasn't answered our emails or message to fix this mistake he caused. We are hoping to get this issue resolved soon and would really appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX I had to unexpectedly leave town due to a family emergency. My Citibank debit card worked around XXXX XXXX XXXX this morning when I used it to purchase gas, but when I went to get gas again around XXXX XXXX XXXX, my card was declined, despite there being more than enough funds in my account. I tried to log into the Citibank app, but it suddenly said that my account had been blocked and to call customer service. 

Upon speaking with several extremely unhelpful representatives, I was told that my account had a full block that could not be removed with NO reason given. I have all of my money in my Citibank checking account that I now have NO access to and am currently stranded XXXX hours from home as a result. I was told that I would receive a check in the mail for the funds in my account in XXXX days. 

THIS IS TOTALLY UNACCEPTABLE!!!! This is MY MONEY that is being held hostage I am being prevented from accessing my funds! I have several thousands of dollars in my account. In fact, I had just transferred just over {$3500.00} from another bank account. I need access to my money IMMEDIATELY.

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