vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Experian regarding the fraudulent credit cards on my account and improper address that Ive never resided. 

I sent my FTC identity theft report to experian highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and was opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other fraudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes XXXX. Fraudulent Hard 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

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 2025-03-31 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: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Experian regarding the fraudulent credit cards on my account and improper address that Ive never resided. 

I sent my FTC identity theft report to experian highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and was opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other fraudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes XXXX. Fraudulent Hard 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

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 2025-03-31 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: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Experian regarding the fraudulent credit cards on my account and improper address that Ive never resided. 

I sent my FTC identity theft report to experian highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and was opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other fraudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes XXXX. Fraudulent Hard 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 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:
I am reaching out to formally dispute the presence of a bankruptcy entry on my credit report, as it has been inaccurately included. I have obtained an official letter from the court explicitly stating that this bankruptcy should not have been reported to your agency. Despite this clear evidence, the record remains on my credit file, which is both misleading and unjust. The continued presence of this inaccurate information is negatively impacting my credit standing and does not reflect my actual financial history. 

Furthermore, I am extremely concerned about the involvement of an unauthorized third party in this matter. This raises serious questions about the integrity and accuracy of my credit report, further exacerbating an already alarming situation. The presence of an unapproved entity in a matter as critical as my credit reporting is unacceptable and warrants immediate attention.

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 2025-03-31 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized accounts from my credit report due to identity theft. Upon reviewing my report, I discovered accounts that I did not open or authorize. These accounts were fraudulently created using my personal information, and I am not responsible for any charges or activity associated with them. I kindly request that these accounts be removed from my credit file as they do not accuracy reflect my Finacial history. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I would apricate your prompt attention to this matter ASAP.

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 2025-03-31 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized accounts from my credit report due to identity theft. Upon reviewing my report, I discovered accounts that I did not open or authorize. These accounts were fraudulently created using my personal information, and I am not responsible for any charges or activity associated with them. I kindly request that these accounts be removed from my credit file as they do not accuracy reflect my Finacial history. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I would apricate your prompt attention to this matter ASAP.

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 2025-03-31 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 request that you ensure my credit profile contains only accurate, current, and complete information as mandated by the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act 15 U.S. Code 1681e, A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information provided that does not meet these standards should be permanently and immediately removed. I do not authorize the reporting of any fraudulent, incorrect, or inaccurate information now or in the future. Upon reviewing my credit profile, I have identified inaccuracies as well as potential fraudulent names, addresses, employers, spouse or co-applicants, and phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RELIANCE FIRST CAPITAL LLC
State: GA

Complaint narrative:
This is not a duplicate complaint. It is an escalation of unresolved issues referenced in CFPB Complaint # XXXX, and includes new violations and resulting harm. 

1. Untimely Debt Validation : Debt validation was not provided until after I filed a CFPB complaint, despite multiple written requests before that time. Reliance provided no meaningful response until compelled by regulatory pressure. I do not concede that their eventual submission constitutes full validation. 

2. Improper Notice of Breach : On XX/XX/year>, Reliance issued a Notice of Breach and threatened foreclosure while the debt was still in active dispute. This violates consumer protections regarding collection during dispute. 

3. Late Servicing Transfer Notice : I received collection attempts from XXXX before receiving any Notice of Transfer. Reliance has provided no proof the notice was delivered prior to the transfer of servicing. 

4. Unjustified Fees During Dispute : Reliance charged an unexplained {$32.00} property inspection fee in XX/XX/year>. I was not notified of an inspection and was not home. An earlier {$32.00} late fee was also assessed during an open dispute. 

5. Payment Under Duress : On XX/XX/year>, I submitted a Payment Under Protest to avoid foreclosure. This payment was made only after Reliance threatened acceleration if the loan was not brought current by XX/XX/year>. This payment does not indicate agreement with the debts validity. 

6. Retaliatory Platform Restriction : After submitting this payment, I lost the ability to make payments online, suggesting retaliatory action or a push to force verbal acknowledgment of the debt via phone. 

7. Misrepresentation Regarding Credit Repair : Reliance claimed I was using a credit repair organization. This is false. I personally authored and mailed all documents without any third-party involvement. 

8. Qualified Indorsement Unanswered : A notarized Qualified Indorsement was sent to Reliance on XX/XX/XXXX and received on XX/XX/XXXX. It has never been acknowledged. This may carry significant contractual weight. 

This complaint builds upon the prior one, is supported by mailed rebuttals and certified documentation, and reflects ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: PA

Complaint narrative:
Hi, I've received what appears to be a phone scam call from this company, registered with XXXX for a debt I do not owe. The company is spoofing their phone number to look as though it is coming from a Pennsylvania location. The phone number for the company is under the name XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ). The spoofed number is XXXX in XXXX XXXX XXXX, XXXX while the company is actually in Florida. 

I called the office number : XXXX number only to hear that the voicemail is full. 

Why would a company in Florida who says I owe them money use a spoofed PA. phone number and refuse to give me a mailing address and refuse to send a paper bill? 

I asked for a written bill and was told they do not send out anything in writing ( in violation of the debt collection act ). I have also filed with the FTC and Pa. Attorney General 's Office. 

This company is using a XXXX registered URL to perpetrate fraud under this name : Global Processing Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX admin@globalpsvs.XXXX globalpsvsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
This collection agency stated they would dispute a debt after receiving documentation. I provided this. Specifically, XXXX XXXX claims I owe unpaid renters insurance bills despite me having confirmed that I had switched to a new home owners insurance group. They confirmed with me numerous times that I do not owe of if I can verify having initiated with a new group prior to when additional charges incurred. They still sent this to a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of a Aldous collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Aldous would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am a consumer and have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers. XXXX Mortgage is reporting my private information without my permission and inaccurately. According to 15 U.S code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consume reports to the purposes listed under section 1681b of this title " XXXX and XXXX are not maintaining reasonable procedures. I have the right to opt out of reporting services and i am using those rights. My mortgage on my credit report is reflecting paid in full as well as discharged in XXXX  in XXXX of XXXX. However my mortgage company continues to bill me monthly as well as show NO payment since XX/XX/XXXX which is severely inaccurate .Also thw XXXX XXXX XXXX  and Privacy act is a federal law enacted in XXXX that protects the privacy of students educational records in which this has been violated on my behalf per my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$110.00}, XXXX XXXX XXXX XX/XX/year> {$740.00}, XXXX XXXX XXXX XXXX XX/XX/year> {$830.00}. has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: VA

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 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 2025-03-31 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: KY

Complaint narrative:
I have reached out to experian as well as sent letters about these unauthorized charges on my credit. I did not consent nor was made aware of this. These companies are ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: KS

Complaint narrative:
I recently reviewed my credit report and discovered multiple fraudulent accounts that I did not open. These unauthorized accounts have negatively impacted my credit score and are affecting my ability to obtain credit. I have never applied for or authorized these accounts, and their presence is causing financial harm.

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 2025-03-31 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:
XXXX XXXX is reporting an account that was settled upon with a {$0.00} balance. This account was to be deleted after payment, yet it is still reporting. XXXX and XXXX have both deleted this account. Due to the original agreement, I am requesting that the account XXXX is removed from my Equifax credit report immediately. I have attached the account for your reference showing the XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX # XXXX $ XXXX {$2600.00} XXXX XXXX XX/XX/XXXX # XXXX $ XXXX {$6700.00} XXXXXXXX XXXX XXXXXX/XX/XXXX # XXXX $ XXXX {$12000.00} XXXX XXXX # XXXX XXXX XXXX {$45000.00} THESE ACCOUNTS ARE LISTEDON MY FTC REPORT REMOVE ASAP THEY ARE NOT MINEI HAVE BEEN DISPUTING OVER A YEAR.NO RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A while ago, I had an issue with Bank of America. 

The account was charged off in the amount of about $ XXXX, and it was submitted to XXXX XXXX 

I have since paid off that charge off, now that I was able to get into a better financial situation, and I had asked that Bank of America remove my information from the XXXX report. 

It still hasn't been removed.

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