vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of an identity theft, someone stole my information and opened a fraudulent joint account. I never opened this account, I never used this account, I never paid for this account. I contacted the bureau and also Comenity Capital Bank and I I told them that this is not my account. The representative said the account is a joint account with XXXX, I don't know who XXXX is. My husbands name was XXXX and he has passed away over XXXX years in XXXX. This account was opened fraudulently using my personal information. I understand that the account is closed but I don't want it on my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-04-01 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: LA

Complaint narrative:
I am a victim of identify theft which has left me feeling vulnerable in distress fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit I am determined to take the necessary steps to clear my name and protect my identify and restore my financial wellbeing. I kindly request thta you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibility. I appreciate any support and assistance in overcoming these unfortunate experience.

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 2025-04-01 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 am a victim of identify theft which has left me feeling vulnerable in distress fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit I am determined to take the necessary steps to clear my name and protect my identify and restore my financial wellbeing. I kindly request thta you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibility. I appreciate any support and assistance in overcoming these unfortunate experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2025-04-01 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:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report 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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account along with my wifes savings, stepsons XXXX  checking and savings account and our credit card that was issued by the same bank were all closed by Chase Bank. We asked for the reason why and we were told that they cant and will not give us information, along with that they dont have to. All of our funds that were in those accounts are currently inaccessible and that what ever they feel is owed to us would be mailed in a check within 7-10 business days. In the mean time all direct deposits ( payroll, state and federal income tax, and others ) are unable to process and being bounced back to the issuing party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I was XXXX XXXX XXXXXXXX in XXXX  and droped out of XXXX XXXX half way tgrough the semester. They reported my grant as a unlaid loan.

under the Biden fresh start program i sef of a payment plan for {$5.00}. Dollars a month and paid that until I was able to pay in full which I did.

They told me it would show paid infull never late.

Instead it shows Paid collections and has been report to all bureau as a late negetive collections account when in fact i made the payments as agreed never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year> I was scammed by a phone someone pretending to be an agent working with Apple card. I started to get alerts that fraudulent transactions were being attempted on my apple card. I was given a number to call and the phone although similar to XXXX 's contact number was not an XXXX contact number. My apple account was hacked and the phone number was changed to one of the hackers phone numbers. I lost all data on my XXXX phone. My apple card was linked to my phone. I contacted XXXX support again to the correct phone number and was told there is nothing they could do, I reported fraud. I requested a new apple credit card to be issued and my information to be routed to a new account that I setup and I was informed XXXX cards ( Goldman Sachs ) is not able to do that. I asked if a new account could be established and they said no that is not how it works with them. I requested statements be sent to my home address and I was told that they could not do that. I asked how was I supposed to continue with this account and I was informed that I no longer had the credit card to use if it was submitted as fraud and that i would have to call in to make payments. I stated I needed to physically see my acct and where the payments are applied and know the balance on my credit card account and I was told they could send me that documentation in the mail to my address. I didnt receive any documentation from Apple card ( goldman sachs ). I called back asking if legal needed to be involved as I needed a resolution and they confirmed they could send me to their legal dept to resolve and that they would mail me documentation showing my balance and amount due but there is nothing else i could do and needed to make payments. Thru today I am getting emails from Apple card saying i have a balance and a payment needs to be made but I can not access the account and I am not receiving monthly statements. My credit is being impacted by this greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX Acct. # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications! 








No file chosenNo file chosen XXXX can make mistakes. Check important info. 
?

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 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX Acct. # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications! 








No file chosenNo file chosen XXXX can make mistakes. Check important info. 
?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
XXXX XXXX has a charged off and account and assigned to XXXX XXXX for collection and now Lloyd and McDaniel law. 

I asked XXXX XXXX and Lloyd and McDaniel to provide verification they owned the debt or that they are authorized to collect. Meaning a copy of the contract with XXXX XXXX. Waiting until the day of court to respond in cowardly. Once I asked for the verification or authority to collect all efforts to collect must stop until provided. Neither XXXX XXXX, XXXX XXXX or Lloyd and McDaniel provided such documents.

Lloyd and McDaniel did not provide the documents and XXXX weeks later filed a law suit. After filing a CFPB complaint, they provided several monthly statements. This is not what I asked for and both XXXX XXXX and L & M know it. 

Send me the contracts between XXXX and XXXX XXXX and XXXX XXXX and L & M.

The law suit is in bad faith as three entities now know what I want. I did file a motion to dismiss and a hearing will be set. This is a complete waste of my time as I am XXXX and unable to work. My XXXX income, XXXX XXXX and home are expemt from any judgment you may obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Subject : FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law.

Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt.

Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect.

Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership.

Itemized list of charges- detail breakdown of the current amount that is owed.

Verification of debt amount Statute of limitation and of debt is expired.

I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, CBE Group reported a collection account to XXXX in the amount of {$190.00}. This debt was paid in full to the original creditor, XXXX,, as confirmed by my payment receipt and confirmation number ( XXXX ). 

CBE Group placed the collection on my credit report after the payment was made and without providing me with a notice of debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ). I was never contacted by CBE Group, never received a written notice of the debt, and had no opportunity to validate or dispute the debt before it was reported to the credit bureaus.

This reporting has caused immediate and undue harm to my credit profile, including a drop in my credit score and reputational damage as a consumer. The reporting was : Inaccurate : Since the debt was already resolved.

Unlawful : As I was not provided the required notice under 15 USC 1692g.

Unfair and deceptive : Reporting a paid account as new collections is misleading and violates FDCPA and FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681 e ( b ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. & 1681 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Subject : FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law.

Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt. 
Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect.

Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership.

Itemized list of charges- detail breakdown of the current amount that is owed.

Verification of debt amount Statute of limitation and of debt is expired.

I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief