vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint against Online Information Services Inc. regarding a collection account ( Account # XXXX ) being reported inaccurately on my credit report. I have exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by sending a written demand for full validation of the debt.

Despite my formal request, the collector has failed to provide verifiable and complete documentation proving the validity and ownership of the alleged debt, such as : A copy of the original signed agreement. 
A detailed breakdown of the debt and transaction history. 
The original creditors full information. 
Proof of authority to collect and relevant licensing. 
Confirmation regarding the statute of limitations. 
Additionally, they have continued to report this unverifiable debt to the credit bureaus, violating my rights under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ), which require maximum accuracy and the cessation of reporting unverifiable information. Their actions may also constitute a violation of 15 U.S.C. 1692k for attempting collection without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Someone placed an apartment in my name and their sending me debt that I owe which is not mines so Im here disputing it today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I received a credit collect collection bill. on XX/XX/XXXX I emailed XXXX @ resurgent also faxed the debt validation to XXXX per employee XXXX XXXX. I asked for the following, written agreement with my signature on it to pay and proof that XXXX XXXX are authorized to collect on behalf creditor, a calculation of the balance ( including complete payment history, chain assignment form, a forward flow agreement, copy of the creditors state license with license number on it, also i asked for the purchased agreement of the debt, the insurance claim of the debt. i received a letter dated XX/XX/XXXX saying they are uncertain of what i am disputing and for them to further investigate i need to provide yet again a written explanation and documentation demonstrating errors in my account. I did send and fax them a letter requesting validation on XX/XX/XXXX, and they have not provided anything i asked for expect a statement of my credit card bill dated XX/XX/XXXX. I am requesting this all be removed from my credit file since they can not provide any documentation i asked them to. a credit card statement is not sufficient validation when i asked for multiple items and documentations. Resurgent capital sent a letter that enclosed the account summary which shows debt verification, only included a statement from XX/XX/XXXX from XXXX  XXXX, also received an account summary page, that's all and i requested more documentation that was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evans & Green LLP
State: AR

Complaint narrative:
I received a phone call from XXXX they said. They informed me I owed them {$14000.00} and I told them I do not have an account with XXXX. The lady on the phone was very rude, threatening me and insisting I make a way to pay this debt immediately. I tried to explain I have not ever had an account with XXXX, I have never filled out a credit application and that I want proof of it and if they have any signature of mine on anything that it would be forged by someone else. My exhusband may have had an account with them but I had nothing to do with his business and he has no permission to use any of my information to gain any account. 
I received a letter in the mail as well from Evans & Green LLC. The letter is very threatening and claiming I owe a debt that I do NOT owe. I requested in writing all records of this account, documentation, and the original application as I have NEVER applied for any credit or account with XXXX. Now they too have refused to provide anything and are harassing me with threatening phone calls and letters. I did tell the last one to call to cease and desist all effort of collection per the FCRA and told her I do not owe that debt and to stop harassing me. It is continuing and now very scary and frustrating. 
I read on the CFPB website that this is a good place to file a complaint and also a few other places that might actually help with this false accusation. 
I am providing my divorce decree with this complaint and I am not ordered to pay ANY of my ex husbands debt and did not ever take any part in his debt. I feel like a judge signed this order and NO WHERE does it say anything about any debt to XXXX. I do not owe that and do NOT have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I am highly concerned that XXXX XXXX and the XXXX agency have access to my private information. When I applied for and received my loan I was under the impression my information would be safe guarded. Now I feel like my personal information is no longer safe and could be sold to the highest bidder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
I received a letter today from State Home Mortgage basically breaking down the numbers and saying they miscalculated last year 's taxes and have doubled my payments... due by XX/XX/XXXX... I got the letter today ( XX/XX/year> )... 
My original payments have been XXXX and close to that amount for over 10 years .... 
This letter is saying that my new payments will be XXXX for the next XXXX months ... ..because of a mistake they made .... 
I am supposed to figure out how our low-income family is going to come up with more than XXXX dollars every month just to keep our house ... due to THEIR MISCALCULATING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I am writing to formally dispute the presence of an incorrect address on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information within 4 days. FCRA section 605B ( 15 U.S.C. 1681c-2 The address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never resided at this address, nor have I authorized its use in connection with my credit profile. Furthermore, I have already filed an identity theft report to document and substantiate this fraudulent activity. Enclosed, you will find a copy of my identity theft report, along with a copy of my government-issued ID to verify my actual residence. 

As per the FCRA, credit bureaus are required to report only accurate information. I formally request that you conduct an investigation, remove this inaccurate address from my credit file, and send me a written confirmation of this action. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections. 

Please consider this letter a formal request under the FCRA, and I expect a response within 30 days as required by law. If this inaccurate information is not removed, I will not hesitate to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) or take further legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me when the fraudulent address has been deleted from my credit file thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I am writing to formally dispute the presence of an incorrect address on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information within 4 days. FCRA section 605B ( 15 U.S.C. 1681c-2 The address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never resided at this address, nor have I authorized its use in connection with my credit profile. Furthermore, I have already filed an identity theft report to document and substantiate this fraudulent activity. Enclosed, you will find a copy of my identity theft report, along with a copy of my government-issued ID to verify my actual residence. 

As per the FCRA, credit bureaus are required to report only accurate information. I formally request that you conduct an investigation, remove this inaccurate address from my credit file, and send me a written confirmation of this action. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections. 

Please consider this letter a formal request under the FCRA, and I expect a response within 30 days as required by law. If this inaccurate information is not removed, I will not hesitate to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) or take further legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me when the fraudulent address has been deleted from my credit file thanks 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 2025-03-17 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: PA

Complaint narrative:
To whom it may concern, I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why Congress outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.

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 2025-03-17 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I initiated a transfer of funds from my personal checking account, XXXX XXXX XXXX to my Coinbase account. It was {$1200.00} and the funds are not available and listed as pending. There were sufficient funds in my checking account and the bank says they did not put a hold on it. Occurred on XX/XX/XXXX and is still pending. Im unable to use the money and it is still missing. 

XXXX XXXX XXXX was contacted twice and has not resolved the issue. Coinbase was contacted XXXX times and has not resolved it. 

XXXX XXXX XXXX  is wanting Coinbase to solve the problem and Coinbase is wanting XXXX XXXX XXXX to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-17 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: MI

Complaint narrative:
Dear CFPB Representative, I am formally disputing an issue with Equifax, such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 


XXXXXXXX XXXX XXXXXXXX reported false information on Equifax I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. Equifax has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld. 

I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 

Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I turned XXXX last year on XX/XX/XXXX and set up my Equifax online account immediately and froze my credit to protect my credit with no issues. The account set up fine and I was able to freeze my credit. About a month ago, I tried to unfreeze my credit online and was immediately directed to call into Equifax and my credit could not be unfrozen. In my online Equifax account, I have XXXX lines of credit in which all XXXX companies have been reporting. My XXXX XXXX  shows that it has been reporting to Equifax for XXXX  months in my online Equifax account. I have XXXX other lines of credit that also shows reporting for over a year. I can also see my Fico score and that my credit is frozen in my Equifax online account. I have called into my Equifax numerous times and spent numerous hours and they say that I do not have a credit file and therefore, I can not unfreeze my credit to apply for a loan. How can this be when Equifax allowed me to set up an online account, freeze my credit and showing me my XXXX lines of credit that have been being reported by the XXXX companies??? I have to call in explain this to a representative, get transferred to a supervisor and it's a continuous circle that doesn't get resolved. I even spend a lot of money and mailed in my social security card and driver 's license to unfreeze my credit and fix my online account. When I call in, they say they can see the documents I mailed it, but there's no credit file so they can not fix this. How can this be??? I need this fixed so I can apply for a loan. I have no issues with XXXX or XXXX. After filing a complaint with the CFPB and this is not fixed, I guess my last resort is to hire an attorney. I have also filed an internal complaint on XX/XX/XXXX with Equifax. The complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Between the time of the fraud/scam ( XX/XX/year> ) up to the current date, I have called and spoken to M & T Bank requesting documentation for the reasons they granted me for a provisional credit of {$500.00} to my account and then, was reversed on XX/XX/year>. I approached XXXX of the bank employees to assist me in obtaining this information. 
M & T Bank sent to the mentioned employee, an email, to this effect.

I am being told that, " the transaction ( s ) in question were processed correctly and no error has occurred. Therefore, we are denying your claim. '' I asked for a copy of this email, to which I was told, internal company emails are not allowed to be forwarded or copied. I therefore, reminded the bank employee, that then, the bank owes me this document of which I have requested, already numerous times. 
I have not, to date, received it. 

Cordially yours, 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