vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Arbor Professional Solutions, Inc.
State: TX

Complaint narrative:
A fair resolution would be for XXXX XXXX XXXX to correct or remove their report on my credit score! XXXX XXXX  account was paid in full. I have documented that with the receipt paid to resurgent. And when do you call them? They should not deceive you into paying a dollar to To correct their error and then sign you up for a Credit Repair service or credit score service that you did never agreed to I have included in my documents uploaded proof they were trying to sign me up for {$24.00} charge. I never agreed to. 

Regarding Arbor Professional services, I paid the amount due. And requested an email of account paid in full they refused. I paid the account in full yesterday and they have not updated my account online. It still shows {$620.00} due. I am giving it 48 hours to show correct amount of XXXX. 

I have called them multiple times requesting an email copy of Account paid in full, my credit repair person says that the receipts of payment are not enough confirmation to have that removed from my credit score. It is a simple request. It is an accurate request to have an emailed, confirmation of paid in full and for their website when I login to reflect that it was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During my time as an XXXX XXXX XXXX my personal information was a part of several database breaches while using their home internet services for personal and professional use. This incident started back in XX/XX/year> when I saw emails come through stating that my personal information may have been exposed during recent data breaches. I noticed that many unknown derogatory accounts, hard inquiries, and public collection information were being added to my personal line of credit between the three credit reporting agencies. I need these debts and inquiries removed as they go against the Fair Credit Reporting Act as it relates to consumers ' protections and privacy rights.

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 2025-03-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-18 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: NV

Complaint narrative:
Subject : Request for Removal of Negative Credit Report Entries Due to Data Breach Dear Experian, I hope this letter finds you well. I am writing to formally request the removal of negative information from my credit report related to a data breach that affected my personal information. 
I was recently a victim of a data breach, which compromised my personal and financial data. As a result of this breach, negative items were reported to my credit file, even though I was not responsible for the fraudulent activities that occurred. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate or misleading information removed from my credit report, especially in situations where identity theft or a data breach is involved.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I went to the Federal Student Aid website to see if I could renew my SAVE repayment plan, on XX/XX/XXXX. An alert told me a federal court issued this service unavailable for the time being. I do not have a steady income, so I can not pay {$300.00} payments right now. I need a temporary forbearance on my loans, but I don't know how to go about it.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
This is part of a pattern of fostering fraud, siding with the fraudsters, erasing information to protect fraudsters, closing disputes without informing the consumer and not providing any explanation that could be understood or challenged which I have outlined in an earlier complaint ( XXXX ). An XXXX  account was my to resemble my friend 's account and claimed to be XXXX  for owing money ( I had reported it to the police ). At first they were talking as her saying they could leave if I sent money, then claimed to be the XXXX  and demanded money. I provided screen shots and account names. The disputes were all closed without even informing me and no requests for information were made or any explanation for what they'd find sufficient or any reasoning for their decision. My friend came home said it was not her and to report the account. After she was home and clearly not endanger I continued to get requests for money eventually I told them she was already home and they sent another request on cashapp and demanded another {$200.00}, this time saying they were the XXXX, not her. Multiple requests were made using this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: 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 XXXX ( 15 U.S.C. XXXX ) 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. {$3100.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX XXXXAccount # XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$51.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-03-18 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:
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 XXXX ( 15 U.S.C. XXXX ) 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. {$3100.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX XXXXAccount # XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$51.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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, XXXX XXXX XXXXXXXX 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 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 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Collection Serv, XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Collection Serv address : XXXX XXXX XXXX XXXX XXXX XXXX  address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXXXXXX Re : Request for Debt Validation, Assignment Contract, and Cease and Desist Dear Debt Collection Agency, I am writing in response to your recent communication regarding the debt you claim I owe, referenced by [ XXXX, XXXX, XXXX ]. Please consider this letter as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as well as a cease and desist request. 

Debt Validation Request Under the FDCPA, I have the right to request verification of the debt. Therefore, I request the following documentation to verify your claim : 1. A copy of the original signed contract or agreement that shows I am legally obligated for the debt.

2. The assignment contract or any other legal documentation that proves your company has been assigned the legal right to collect this debt. This should include the full assignment history, detailing all transfers or sales of the debt, along with dates.

3. An itemized statement of the debt, showing the original amount owed, any interest or fees added, and any payments made to date.

Please note that I am requesting these documents so I can properly verify the debt and your right to collect it. Until these documents are provided, you are required by law to cease all collection activities and refrain from reporting this debt to credit agencies.

Cease and Desist Request Additionally, under the FDCPA, I am requesting that you cease all further communications regarding this debt until you can provide the requested validation. This includes telephone calls, letters, and any other form of contact. If you fail to comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office.

If you continue with collection activities without proper validation or persist in contacting me after this request, I will take further action to protect my rights.

Please ensure that all communications from your office cease immediately unless you provide the requested debt validation. If you do not respond within XXXX days with the necessary validation documents, I will consider the debt invalid, and you will be required to cease all collection activities.

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am requesting the description of reinvestigaton proof accorging to 15 USC 1681 i ( 7 ) states if requested by consumer this must be provided within XXXX days in order to be compliance with FCRA guldeline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Act 's ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-03-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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