vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: LA

Complaint narrative:
I paid off my phone and brought in my own phone to the account, I do not owe for the phone. I contacted XXXX multiple times and was told The issue was resolved but the have me in collections. I do not owe this debt. I dont own this debt collector an I did not have a contract with this company. This account was sold without my promission. No written off debt should be reported to my credit report. No 1099c was sent.

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 2025-04-06 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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 request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days.

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies.

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

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 2025-04-06 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:
I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days.

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is being Reported to Transunion as A Inquiry!

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced above and to request full validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Under federal law, I have the right to request verification of any alleged debt before I am required to engage in repayment. I am hereby requesting : XXXX. The name and address of the original creditor. 
XXXX. A detailed itemization of the alleged debt, including all interest, fees, and charges. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Proof that your agency has the legal authority to collect on this debt. 
XXXX. A complete payment history, showing how the balance was calculated. 
XXXX. The chain of purchase for the alleged debt. 

Until you provide the requested validation, you are required by law to cease all collection activities, including reporting this debt to any credit reporting agencies. Any failure to comply with this request may be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which prohibits reporting inaccurate or unverified information to credit bureaus. Also the original creditor of this alleged debt transferred all securities attached to this debt to a trust account which means they no longer own this account and youve obtain this information illegally. Furthermore you purchased this debt for pennies on the dollar and your reporting the alleged balance inaccurately as a form of misleading practices and to collect more than what you paid for the alleged debt. 


Please be advised that I am keeping detailed records of all correspondence regarding this matter for purposes of future complaint filings with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office, should your office fail to comply with federal law. 

I expect your full compliance with my request within the time allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U.S. DEPARTMENT OF EDUCATION XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 : U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-06 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 am writing to bring to your attention a concerning issue I have experienced with credit bureaus that has not been resolved in a timely manner. Despite my efforts to address this matter, it has now been over 60 days since I initiated contact with the following credit bureaus : [ Equifax, XXXX, TransUnion, ]. 

Details of my situation are as follows : Nature of the Issue : incorrect information on your credit report, lack of response to a dispute, difficulty in locking your credit, etc. 

Attempts to Resolve : I have sent several letters to credit bureaus Impact : difficulties in obtaining credit, emotional distress, and financial implications. 

I believe this matter warrants further investigation, as the inability to receive timely responses from the credit bureaus violates consumer protection regulations. I appreciate the role the FTC plays in safeguarding consumer rights and respectfully urge you to look into my situation and take appropriate action. 

Thank you for your attention to this matter. I am hopeful for your assistance in resolving this issue promptly. If you need further details or documentation, please do not hesitate to contact me.

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 2025-04-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To whom it may concern I have a few inquiries on my account XXXX dont have knowledge of. ComenityCB/XXXX XXXX XXXX date XX/XX/XXXX. XXXX XXXX XXXX  inquiry date XX/XX/XXXX. Checking my credit I discovered XXXX XXXX inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
Acima is charging XXXX  fees on XXXX XXXX transactions that do not go through on their rent to own contracts. They claim these fees happened on XX/XX/XXXX and XXXX XXXX, as well as XXXX XXXX XXXX. 

I informed them these fees should not be legal as no checking account was used, it was a debit card transaction. They refused to take my payment until I would pay they fees. They then claimed that they would 'help me ' by moving the regular payment to the end of my account making my account current if I paid these illegal fees. They claimed that they could do nothing with my account until these illegal fees were paid. 

I did eventually pay the illegal XXXX  fees from failed debit card transactions but would like to report this and strongly feel I should not have to pay fees that are unwarranted and illegal. They refused to budge on the fees. 

Furthermore, they charged TAX on these fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
Mortgage Servicer SN Servicing Company XXXX XXXX XXXX. 
XXXX, CA XXXX This complaint involves our rental property, which was hit by the XXXX Tornado on XX/XX/year>. This disaster made our home unoccupied, so we had no rental income. We fell behind on the mortgage payments, and the mortgage servicing company delayed the distribution of the insurance check. This prevented us from being able to complete the repairs and rent the property. To date, we have not been able to complete the repairs. 

We have tried to request loss mitigation and have been unable to remedy the situation. We feel strongly that we did not cause this problem and that the mortgage servicing company contributed to the problem. 

We requested that the mortgage company place the total balance in the arrears of the loan and allow us to continue with our flawless payment record prior to the tornado. This is a fair solution for both parties. 

The mortgage servicing company has been working against us and not with us. Any assistance that can be provided would be greatly appreciated. 

Sincerly, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
These following account are not mine according to 15 US Code 1681 for Permissible Purposes I did not authorize the report of the following account and do not have nothing to do with them. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had XXXXXXXX XXXX XXXX  XXXX, removed from my credit report twice now and this credit bureau continues to add this information to my credit report this information has been deleted already due to identity theft the FTC report was provided however they re-added this information to my account just a couple months later this account is supposed to be permanently blocked from being added to any of my credit reports. This credit bureau has constantly violated my rights under the FCRA by repeatedly, adding the same account that has been deleted due to identity theft. Because of this this credit bureau has failed to ensure the maximum possible accuracy for my report. Information being provided can not be verified. Furthermore, not only was his account deleted more than once according to the opening date of this account it happened this year, but this account was removed from identity death for last year. How can the open date be XX/XX/XXXX if it was placed for collections in XX/XX/XXXX not only is this information fraudulent, but its also an accurate the opening date cant be before the day it was put in collection also the payment history is nonexistent on the current report also how could this account be opened in XX/XX/XXXX at the same account was being disputed for fraudulent activity in 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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has been contacting me nonstop for months on different phone numbers. I requested them to stop but they refuse because its the number that was provided to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I notified XXXX that the information being reported on transworld systems about a XXXX account was incorrect. I provided proof from XXXX showing my account # in good standing. Even thou they are reporting a different account # they refused to remove the information. 
This was there response The account with TRANSWORLD SYSTEMS XXXX starts with XXXX has not been changed and will remain on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I received a collection letter from Online Information Services, collecting a debt they say the intended recipient owned to XXXX XXXX XXXX XXXX. 

1. The so called original debtor sounds like a utility company, which doesn't exist in our state. 
2. The sadder part is that the recipient 's name is not even mine but only similar in the sense that we may belong to the same XXXX group. So not only are they phishing but also they are XXXX. 
3. Their website does not even have secure connection. 

This all smells like an illegitimate organization attempting phishing and fraud. I read on XXXX XXXX XXXX that they are not XXXX accredited and they do tarnish people 's credit for no reason. Please sue them and expose them to protect the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I began treatment with XXXX in XX/XX/year>. In XX/XX/year>, the company filed for bankruptcy, and my orthodontic treatment was never completed. I did not receive my retainers, and the aligners they sent were misaligned and defective. 

Before filing for bankruptcy, XXXX instructed customers to stop making payments. Later, without completing the service or issuing a full refund, they sent my account to collections through TEKCollect/XXXX. I had already paid for a majority of the treatment, and it is unfair and unethical to be held liable for an incomplete service that was interrupted by their bankruptcy. 

I am disputing the validity of this debt. I have requested validation from the collection agency. Im also asking that this debt be removed from my credit report as it is not accurate or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation