vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
.I am writing to formally report that my identity was stolen between XXXX and XXXX, and I continue to suffer the ongoing and damaging consequences of this identity theft. Despite submitting numerous disputes and making repeated phone calls to various credit reporting agencies and creditors, my credit report still reflects fraudulent collections and unauthorized hard inquiries that were made without my consent. These continued inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681 ( a ) ( 1 ) * *, which emphasizes the need for fair and accurate credit reporting, and * * 15 U.S.C. 1681 ( a ) ( 6 ) ( b ) ( 3 ) * *, which outlines the responsibilities of consumer reporting agencies in the case of disputed information. Furthermore, under * * 15 U.S.C. 1681i ( a ) ( 5 ) * *, credit bureaus are required to correct or delete inaccurate or unverifiable information after a reinvestigation. I am requesting immediate assistance in permanently removing the following fraudulent accounts that were opened in my name without my knowledge or authorization and have remained unresolved despite my prior efforts : XXXX. * * Diversified Adjustment / XXXX * * - * * Date Opened * * : XXXX - * * Balance * * : {$1600.00} XXXX. * * XXXX XXXX * * - * * Date Opened * * : XXXX - * * Balance * * : {$1000.00} XXXX. * * XXXX XXXXXXXX XXXX ( XXXX  XXXX ) * * - * * Date Opened * * : XXXX - * * Balance * * : {$140.00} XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * - * * Date Opened * * : XXXX - * * Balance * * : {$4700.00} XXXX. * * XXXX XXXX XXXX ( XXXX ) * * - * * Date Opened * * : XXXX - * * Balance * * : {$370.00}, DIVERSIFIED ADJUSTMENTS Account # XXXX {$3.00} These accounts are entirely fraudulent and represent a continued violation of my consumer rights. In addition to these, there are numerous other inaccuracies on my credit report that further reflect the harm caused by this identity theft. I respectfully urge your office to take immediate action consistent with federal law to investigate and correct these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Please answer the following questions for this account that is reporting to my credit reports Date Opened : Date Closed : Date account sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Account Status, Date Opened, High Credit, Credit Limit, Last Reported, Date Las Active, Date of Last Payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writingXX/XX/XXXX to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writingXX/XX/XXXX to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding several unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I have not applied for credit with the companies listed below. The following is a list of the companies and dates associated with these unauthorized inquiries : XXXX  XXXX/XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> I have not applied for or authorized any credit or financial services with these companies. As these inquiries were made without my consent, I believe they may be fraudulent or the result of a clerical error.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-08 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: TX

Complaint narrative:
This correspondence is to address inaccuracies I found upon reviewing my consumer credit reports. It appears you are reporting adverse information, specifically late payments, to consumer reporting agencies. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ), there is no federal requirement compelling a financial institution to report negative information under the Fair Credit Reporting Act. 

Further, pursuant to the Truth in Lending Act, XXXX U.S.C. XXXX ( a ), a creditor is prohibited from treating a payment on an open-end credit card account as late for any purpose. Additionally, as a financial institution as defined by the XXXXBliley Act, you have failed in your duty to protect my nonpublic personal information. I have not provided lawful consent for the disclosure of such information to nonaffiliated third parties, nor was I afforded the proper notice or opportunity to opt out as required by XXXX U.S.C. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
In accordance with XXXX C.F.R. XXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-08 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( XXXX U.S. Code XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems has reported a collection account to my XXXX, XXXX  and XXXX  credit files stating that I owe {$600.00}. Transworld Systems has no legal right to attempt to collect a debt. There is no debt owed. Transworld Systems has not validated any alleged debt nor sent me a notice of collection. Transworld Systems placing a derogatory file on my credit reports is a violation of the FCRA. 

With that said I am in request of ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized with signature the alleged debt that Transworld Systems is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am a survivor of XXXX XXXX  through debt bondage. As a result of my exploitation, my credit report contains fraudulent information that I did not authorize, including 22 hard inquiries made on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I never applied for these accounts or authorized these inquiries. I am currently in the process of purchasing a home to ensure my familys safety, but this inaccurate credit data is blocking my loan approval and putting my family at risk. I attempted to file for suppression under FCRA 605C using Experians XXXX XXXX portal, but the site is down and inaccessible. I am requesting the immediate suppression of all fraudulent data under my rights as a 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 2025-05-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NC

Complaint narrative:
Bilt chose to change the method/process in which rent payments were completed. The instructions were poorly communicated resulting complaints. It took an unreasonable amount of time for Bilt to respond even though they communicated it would be less than XXXX minutes. I was not contacted for well over XXXX hours. I also contacted the phone number during operating hours and received an automated message stating the customer service was closed. Furthermore, the message was received during their operational hours, per the voice message. When contacted by Bilt I was accused of having insufficient funds in the account, which was incorrect. Bilt then had to find XXXX additional processes to attempt to correct the problem. Customer service has been accusatory and lacks accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: IA

Complaint narrative:
I am submitting this complaint regarding a title transfer issue I am experiencing with Carvana after a legal name change. The vehicle is financed through Carvana, and I am unable to update the vehicle title as required by my state ( Iowa ) due to incorrect guidance from Carvanas support team. 

Per the Iowa XXXX, I need : XXXX. The vehicles title. 
XXXX. A completed Iowa title replacement form. 
XXXX. A completed Iowa application for a new title with my updated legal name. 

Carvana has failed to provide these documents and instead directed me to file Form XXXX, which is a Pennsylvania title XXXX and is not applicable in my situation. 

This delay is preventing me from moving to a different state I have contacted Carvana multiple times and have not received correct or helpful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-08 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-05-08 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: GA

Complaint narrative:
The personal information on my Equifax credit report contains multiple inaccuracies that are both concerning and frustrating. It lists outdated and incorrect names like " XXXXXXXX XXXX XXXXXXXX '' and " XXXX XXXX, '' which are not accurate representations of my identity. Additionally, it includes an outdated address, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, which I no longer reside at. These errors are highly problematic as they can lead to issues with identity verification, job applications, and financial transactions. Given the sensitive nature of this information, it is deeply concerning that these inaccuracies have appeared on my report, raising the likelihood that my personal data may have been compromised in a data breach. This poses a significant risk to my financial stability and personal security. Under the FCRA ( 15 USC 1681 ), I have the right to an accurate and complete credit report, and these mistakes are a clear violation of those rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This is NOT a request for verification or proof of my address, but a request for Validation made pursuant to 15 USC 1692g Sec 809 b of the FDCPA. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. This includes : A breakdown of the total amount due, showing principal, interest Send me history of payments made on this account Signature that I put on contract guaranteeing that I would pay this creditor Has there been any insurance claim filed on this debt Proof you have the chain of title to collect on this debt

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