vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
My repeated requests to correct and remove false information from my credit report have been ignored or denied. As a consumer, XXXX fully aware of my rightsand those rights are being violated by the continued reporting of inaccurate data that does not meet the standard of maximum possible accuracy. This is damaging my credit score and having a serious negative impact on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I demand the immediate deletion of the Sequium Asset Solutions collection from my XXXX report under15 U.S.C. 1681i ( c ). 

FACTS : XX/XX/XXXX : Closed XXXX account ( no longer residing in XXXX service area ), returned equipment to XXXX XXXX in XXXX XXXX, Texas. 

XXXX XXXX, XXXX : Sequiumillegally placedcollection 14 months post-closure. 

XX/XX/XXXX : XXXX reported Sequiums {$180.00} demand. 

Today : XXXX  rejected my disputewithin hoursdespite : Sequium haszero documentationof debt validity. 

XXXX confirmeda {$0.00} balance when XXXX modem/equipment was returned months after the XX/XX/XXXX date of requested account closure. 

Sequium violatingFCRA 623 ( a ) ( 5 ) ( failure to investigate ) VIOLATIONS XXXX XXXX XXXX Willful non-compliance with FCRA 1681i ( a ) ( XXXX ) ( A ) - Rubber-stamping fraudulent debt. 

SEQUIUM : Fabricating debt per18 U.S.C. 1341 ( Mail Fraud ) after account closure.

BOTH : Conspiring to harm creditworthiness underCFPB UDAAP ( Unfair Acts ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a letter from Wells Fargo mortgage on XX/XX/XXXX. The letter was dated XX/XX/XXXX. The mortgage have been sold to XXXX XXXX. I reached out to them asking questions at the time. I did not realize they were outside of their 15 day. Letting me know that my mortgage has been sold. Reach back out to them today And have my case escalated but I still have not heard from the new mortgage company today is XX/XX/XXXX and my new mortgage payment is supposed to be paid on XX/XX/XXXX to XXXX XXXX XXXX. I reached out to XXXX XXXX and try to go through their online system and they had no details of my property or my information.

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 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Today I was told by my employer that my direct deposit was sent and it wasnt suppose to go that card. Chime personally transferred over XXXX to my pay and I knew I owed a balance I didnt have enough to pay it cause I still have to get to work for the next two weeks. So I didnt put it as direct deposit because of the owe balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XX/XX/XXXX To : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Request Unrecognized Collection Accounts DeaXXXX XXXX Dispute Department, I am writing to formally dispute the accuracy, validity, and legal reporting of the following three collection accounts that currently appear on my XXXX credit report : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$3000.00} XXXX. XXXX XXXX I {$810.00} I do not recognize these accounts as mine and have never received any communication, notice, or validation from these entities. These accounts may have been placed in error or could be the result of identity theft. Therefore, I am invoking my rights under federal consumer protection laws and requesting a complete reinvestigation and permanent deletion of these entries if they can not be properly validated.

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) : Requires debt collectors to

cease all collection and reporting efforts until proper validation is provided once a consumer disputes a debt and revokes communication. 15 U.S.C. 1692g : Mandates that debt collectors must provide written notice and full validation of any debt upon request. Regulation F ( 12 CFR Part 1006 ) : Expands on the FDCPA 's rules for itemization, disclosure, and permissible contact. These accounts do not appear to meet these requirements.

31 U.S.C. 5118 : Prohibits reporting and enforcing obligations that lack lawful documentation, origination, or authorization.

Debt Validation Request : Please obtain and forward the following for each account listed : A signed agreement bearing my name and signature, proving I am contractually obligated to pay. 
A full, itemized statement showing the original amount, interest, and any fees. 
The assignment contract between the original creditor and the current collector.

The Forward Flow Agreement outlining the legal transfer and authorization to report and collect.

Requested Actions : Promptly reinvestigate the accounts listed.

Permanently delete them if they can not be validated with full legal documentation, per 15 U.S.C. 1681i.

Block re-insertion unless fully verified in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of your reinvestigation results and actions taken.

Failure to lawfully respond and resolve this matter within the required 30-day period may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and I will consider legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your immediate attention to this matter. I expect a full and lawful resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human XXXX  debt bondage, which falls under trafficking 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 have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I just got a notice that I am going to be sued for {$9300.00} by XXXX XXXX XXXX for a XXXX card that was taken out in my name. I don't know what to do. I did not sign up for this card or ever use it. 

Date of last payment : XX/XX/year> Balance due : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I took out this loan from One Main Financial in XXXX When I first took out the loan, I received help to pay it back. I had to give them the title to my car to get the loan and put full coverage on my car insurance. My loan is due every XXXX of the month. They will call me within two days if my loan isn't paid by that date. Not only do they call my cell phone, but they also call my job, and I think that is very rude. They have helped me pay half of my payment, which is {$230.00}, to keep my account current. Its not that I don't want to pay. I have explained that I don't get much money on my check, so I can't pay on time. I even sent copies of my paycheck to them so they could see that I'm telling them the truth. I don't make my payments on time, but I try to make them when I can, even if that means putting my account into the negative. I'm sorry that I even took this loan out because its giving me a headache, and it seems like I'll never be able to pay it back without interest being added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Hard Inquiries : XXXXXXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I requested a payment to be later than the due date because I had XXXX. My payment was due on XX/XX/XXXX, which I called on and agreed id pay on the XXXX spoke with XXXX with informed me, no problem we understand. I paid on the XXXX. No, not good enough. Bill was over XXXX, called again, I've spoken with, XXXX, XXXX, XXXX again, XXXX, XXXX and XXXX. Zero help. All said late fee was removed, I payed XXXX $ today for what??? Asked for my bill to returned to the XXXX minimum and no! I'm paying XXXX something dollars to the principal! The rest is interest! Unreal.

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 monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: ID

Complaint narrative:
Halsted Financial Services was the first collector to pursue this debt after it was allegedly acquired from XXXX XXXX. On XX/XX/year>, I submitted a formal dispute and election of arbitration under the Federal Arbitration Act ( FAA ). Halsted never acknowledged this notice, provided arbitration instructions, or responded in any form. They instead appear to have passed the account to Resurgent Capital Services. Despite being on legal notice of an active arbitration election and dispute, Halsted failed to honor the FAA, FDCPA, or FCRA requirements, exposing me to further improper collection and credit reporting activity. Their failure to respond or investigate violated FDCPA 805 ( c ) and 807 ( 2 ) ( A ) and FCRA 1681s-2 ( b ).

Supporting documents include the full email history showing each entity 's involvement and formal legal notices sent. While XXXX XXXX XXXX XXXX is now the current assignee, this complaint pertains to violations committed prior to that reassignment. The attached documents help demonstrate the timeline.

Company response to consumer: Closed with explanation