vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP

Complaint narrative:
On Monday, XX/XX/year>, while reviewing my mail, I discovered that my credit report had been flagged for an unpaid account under the name Kimball , Tirey & St. John LLP, with a balance of {$20000.00}. I did not open this account, authorize its creation, or have any association with this company. 

Upon contacting the company, I was informed that the account had been closed and sent to collections. They confirmed that my personal information and address were used fraudulently, and advised me to file a police report for identity theft and to alert the credit bureaus immediately to prevent further misuse of my identity. 

In addition to this, I noticed another suspicious entry on my credit report : an unfamiliar account with XXXX XXXX, showing a balance of {$22000.00}. I have no knowledge of this account and never applied for or authorized any auto financing through XXXX. 

I am a victim of identity theft, and I am requesting that the fraudulent accounts be investigated and removed from my credit report. I am also requesting that a fraud alert or credit freeze be placed on my profile to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered, On XX/XX/XXXX, that someone has been using my name to open vehicle financing accounts and credit cards without my authorization. These accounts do not belong to me and I never approved them. This is a clear case of identity theft, and I request that this situation be urgently investigated and resolved. I ask that these fraudulent accounts be BLOCKED and removed from my credit history as soon as possible to prevent further harm. 
XXXX XXXX XXXX XXXX  credit card - date opened, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  date opened, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I requested debt validation from Transworld Systems Inc. regarding a collection they are reporting. They failed to provide adequate proof or respond to my follow-up. This violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-07 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Final Demand for Resolution of FCRA Violations and Rejection of Delaying Tactics To Whom It May Concern : I am writing in response to your communication dated [ insert date ], in which you claim additional information is required to continue investigating my dispute. Let me be unequivocally clear : 1. I have already filed a formal dispute and provided sufficient identifying information.

2. Your demand for address verification and clarification is non-responsive to the core legal violations raised under 15 U.S.C. 1681i and 1681o.

3. I am not requesting a mere reinvestigation ; I am asserting that you are reporting information you had no legal right to obtain or publish in the first place, and that your continued reporting is unlawful and injurious. 

You have now received formal notice of negligent noncompliance. Under the Fair Credit Reporting Act ( FCRA ), failure to conduct a reasonable investigation, combined with your continued reliance on defective procedures, exposes your company to civil liability for actual damages, court costs, and attorneys fees. Your closed-with-explanation response is insufficient and unacceptable. 

I demand, again, that you : Permanently remove all unauthorized and disputed credit information associated with my name and Social Security number. 
Provide written confirmation that all such data has been purged from your systems. 
Reimburse me for actual and consequential damages incurred over the years due to your unlawful reporting practices. 

This is your final opportunity to resolve this matter without litigation. If I do not receive a legally adequate and complete resolution within 15 calendar days, I will : Initiate a civil lawsuit in federal court.

File claims for actual damages, statutory penalties, punitive damages, and attorneys fees under the FCRA. 
Petition for injunctive relief to prohibit further reporting. 

A copy of this letter will be submitted as part of my official CFPB complaint feedback and may also be provided to the FTC and Louisiana Attorney Generals office. 

Sincerely, 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 2025-05-07 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I previously filed a complaint ( ID : XXXX ) regarding identity theft information on my ChexSystems report XXXX I have now submitted a signed and valid police report from the XXXX XXXX Police Department ( XXXXXXXX XXXX XXXX XXXXXXXX ), which fully documents identity theft accounts and inquiries. 

Per the Fair Credit Reporting Act 605B, ChexSystems is legally required to block this information within 4 business days of receiving that report. However, they failed to do so some entries remain marked verified, and others were merely moved to Viewed Only By Me, which is not compliant.

I am resubmitting this complaint because ChexSystems closed the original dispute without complying with the law and continues to harm me by reporting fraudulent accounts. I am attaching the police report and their response letter for reference.

I am requesting that the CFPB enforce FCRA compliance and confirm that ChexSystems has permanently blocked all disputed items.

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 2025-05-07 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts with inaccurate, inconsistent, or potentially fraudulent information. One account in particularreported by XXXX XXXX XXXX XXXX to be a fraudulent auto loan that I never authorized or opened. According to my FTC Identity Theft Report, the account began in XX/XX/XXXX, but I discovered it in XX/XX/XXXX, which means this issue has existed for a long time without proper resolution. 

In addition to this account, there are other accounts on my credit report with conflicting data across the three credit bureaus ( TransUnion, XXXX, and Equifax ). These discrepancies include inconsistent opening dates, account types, payment histories, and creditor names. Some accounts are even missing from certain bureaus entirely, which violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requiring all information to be accurate and consistent and Section 611, which gives me the right to dispute and have unverifiable information deleted. 

Ive submitted disputes directly to the credit bureaus and requested they delete or correct all inaccurate, unverifiable, or incomplete information. I am now requesting the CFPBs assistance in enforcing these rights under the FCRA and holding the credit bureaus accountable for timely and complete investigations. Please help ensure all inaccurate data and false accounts especially the XXXX XXXX XXXX XXXX XXXX loan are permanently removed from my credit report. 

This is negatively affecting my ability to obtain credit and causing significant financial harm. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Company : CKS Prime Investments , LLC Account / Debt Origin : XXXX XXXX XXXX XXXX XXXX Balance Reported : {$820.00} Date Opened : XX/XX/year> I am completely unaware of this alleged debt being reported by CKS Prime Investments , LLC. No prior notice or opportunity to dispute or verify this debt has been provided to me, which is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

If this company insists they sent any form of notification, I demand they provide immediate proof of delivery via Certified Mail with a signed receipt showing my name and acknowledging receipt of the notification. Without such proof, this debt is unverifiable and must be deleted immediately from all consumer reporting agencies. 

Let me be clear : failure to provide the requested documentation or to correct this matter will result in formal complaints filed with the Federal Trade Commission, the Texas Attorney Generals Office, and will be considered grounds for potential legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

This is your final opportunity to resolve this issue before I escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank is calling me harrasing me after I make monthy payments to them. They will not drop the Past Due intrest rate and keep calling me 5 times a day and telling me to speak with my lawyer and have my lawyer contact them and they have also called my brother and harrased him about my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp.
State: WA

Complaint narrative:
Ive looked all over their website, tried to call and got no real answer. Ive tried making an account but it says the information isnt correct. I just want to pay and get this over with or get rid of the debt all together because this is such a stressful and ridiculous system where a site made to collect payments wont accept my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: CA

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.

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 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
This is regarding acct # XXXX Im asking for a correction and removal of the late remarks on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX  Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
There are multiple collection accounts on my credit report that I do not recognize, nor have I received proper documentation or debt validation from the collection agencies involved. The accounts in question report balances of {$9400.00}, {$2000.00}, {$1200.00}, and {$490.00}, which I believe may be inaccurate, unverifiable, or beyond the reporting limit. These collection entries are severely damaging my credit score.

I have not received any prior communication from the collection agencies regarding these debts, and I have not been given an opportunity to validate or dispute them directly. I request that these accounts be fully investigated and removed from my report if the agencies can not provide complete and verifiable documentation confirming ownership, accuracy, and legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
Someone hacked my account information for my XXXX account and ordered phones and opened new lines in my name without my permission and they are charging me a ridiculous equipment and early termination fees and etc and bill for five lines when I only supposed to have three lines on the account in question. These are unfair terms and tactics it is identity theft plain and simple

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is servicing a loan that is funded by XXXX XXXX. The loan was sold to XXXX from My XXXX XXXX XXXX XXXX We filed XXXX XXXXXXXX bankruptcy in XXXX  and were XXXX in XXXX XXXX was notified and XXXX XXXX put the claim in and took the money but never reported that back to XXXX XXXX XXXX has a very large incorrect balance. This loan should have been fully XXXX via my XXXX  XXXX as it is not a real student loan. We borrowed {$14000.00} and have paid back over {$18000.00}. We made more than a good faith effort to repay and want them to respect the discharge.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX is servicing a loan that is funded by XXXX Bank. The loan was sold to XXXXCitizens from My XXXX XXXX XXXX XXXX We filed XXXX  XXXX bankruptcy in XXXX and were XXXX in XXXX XXXX was notified and Citizens Bank put the claim in and took the money but never reported that back to XXXX XXXX XXXX has a very large incorrect balance. This loan should have been fully XXXX via my XXXX  XXXX as it is not a real student loan. We borrowed {$14000.00} and have paid back over {$18000.00}. We made more than a good faith effort to repay and want them to respect the discharge.

Company response to consumer: Closed with explanation