vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
" I am a victim of a data breach and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information in my file. The items I dispute are listed below. 
I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ) Please investigate these matters and block the disputed item as soon as possible. 
Thank you for your time, 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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by multiple furnishers and credit reporting agencies ( CRAs ), in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection statutes.

These violations include : The continued reporting of fraudulent and inaccurate information, The failure to block identity theft-related data as required by law, Improper handling of identity theft disputes, and Unlawful hard inquiries made without my consent. 

The following accounts were reported without my knowledge, consent, or authorization. These are products of identity theft and are being wrongfully reported : XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX. XXXX ( Collections ) Account Ending in XXXX XXXX XXXX XXXX Unauthorized Collections Reporting The following entities made unauthorized hard inquiries into my credit report without permissible purpose : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

False Address Reported : XXXX XXXX XXXX, XXXX, GA XXXX Here are just the few laws being broken that I have found I am sure there has to be more! 

Legal Violations Cited : FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate 1681e ( b ) : Failure to ensure maximum possible accuracy 1681b : Unauthorized access/inquiries without a permissible purpose 1681c-2 : Failure to block identity theft information after proper notification 1681i : Failure to conduct a reasonable reinvestigation within 30 days FDCPA Violations 1692g ( a ) : Failure to provide written validation of debt within 5 days 1692c : Unlawful communication without consent 1692b ( 2 ) : Improper third-party disclosure of debt 1692d : Use of abusive or deceptive collection practices IRS Guidance & Potential Violations : If any debt is listed as charged-off, the failure to issue a 1099-C as required could result in IRS misclassification and additional violations. 

I have formally notified the credit bureaus ( Equifax, Experian, TransUnion ) and the listed furnishers about these fraudulent entries. Despite providing the FTC Identity Theft Report ( Report # XXXX ) and detailed disputes, they have : Failed to remove or block the fraudulent data, Refused to provide any original signed contracts or chain of title, and Ignored statutory timelines under federal law. 
This noncompliance has significantly harmed me, including damage to my credit score, loss of financial opportunity, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: VA

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 2025-04-08 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I was laid off from my employment several months ago. Due to my lay-off my bills were behind and I borrowed from my cashapp loan option. My loan was overdue, however I could not pay on time because of lost of employment. I was able to receive unemployment benefits and this was deposited at XXXX XXXX into my cashapp account, and by XXXX XXXX this was automatically withdrawn by cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 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 explanation
Consumer complaint received 2025-04-08 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 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 2025-04-08 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: TX

Complaint narrative:
Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 

I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 


I have reason to believe that the XXXX XXXX XXXXXXXX XXXX have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ) . I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed.

If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority.

The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 


Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data.

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 2025-04-08 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: TX

Complaint narrative:
Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 

I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 


I have reason to believe that the XXXX XXXX XXXXXXXX XXXX have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ) . I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed.

If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority.

The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 


Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hi I file XXXX  and the payment history is still reporting all the accounts that was filed in XXXX  in delinquent on XXXX. Payment status is showing now past due. XXXX  XXXX. XXXX. XXXX XXXX store. 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Hi I file XXXX  and the payment history is still reporting all the accounts that was filed in XXXX in delinquent on XXXX. Payment status is showing now past due. XXXX XXXX XXXX XXXX XXXX store. Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

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 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 2025-04-08 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-08 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MO

Complaint narrative:
XXXX and XXXX bought a house in XXXX XXXX, MO over 40 years ago. XXXX served in the XXXX  was a XXXX XXXX XXXX  and was XXXX XXXX from the XXXX. After his XXXX XXXXareer he was a XXXX XXXX, XXXX XXXXXXXX XXXX XXXX who served his community. He had XXXX child XXXX XXXX XXXX XXXX who never married, and she only had XXXX child XXXX ( XXXX ), who also only had XXXX child XXXX ( XXXX ). When XXXX and XXXX passed away in XXXX, they left the multi-generational home to XXXX with the intention that it would go down the family line. Now, the multi-generational home that XXXX left to his ancestors is being foreclosed on by an aggressive predatory servicer. 
XXXX was deemed disable in XXXX of XXXX and only receives SSI benefits, she was then diagnosed with XXXX in XXXX of XXXX and has been fighting XXXX ever since getting XXXX and XXXX. 
XXXX applied for assistance using the Loss Mitigation process and now the loan servicer Selene XXXX is unwilling to work with her and is trying to foreclose on the multi-generational home which is her only place to live. The loan servicer has been switched and changed multiple times throughout the last couple years and multiple issues arise every time the loan gets changed to a new servicer. 
XXXX is now having to seek assistance in stopping the foreclosure and very possibly going to have to file a XXXX XXXX bankruptcy all while fighting XXXX and getting XXXX. 
The servicer Selene XXXX and the XXXX and XXXX lawyers are abusing an XXXX XXXXXXXX XXXX patient who is going through XXXX via financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
On XX/XX/year> I pulled my credit report from XXXX and XXXX and seen a collection notice from RADIUS GLOBAL SOLUTIONS LLC in regards to business with XXXX XXXX in the amount of {$1200.00} and have not given this company consent to disclose my location information. This is a direct violation of 15 USC 1692b Acquisition of location information. This company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.

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