vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
I was contacted by the XXXX XXXX XXXX XXXX in XX/XX/XXXX regarding a car accident that allegedly occurred in XXXX involving a vehicle I previously owned. The car had broken down and was no longer operational back in XXXX, so I sold it. At the time, I didnt have the title, but someone at the mechanic shop who facilitated the sale asked for a copy of my ID and assured me they would take care of the transfer. 

I informed the collection agency that the vehicle was no longer mine and that I had no knowledge of the incident they were referring to. Despite this, they continue to call me 34 times a day, every single day, and its become extremely disruptive. The agents have been aggressive and threatening, even claiming they will suspend my drivers license, which is deeply concerning. 

I have several questions that remain unanswered : Where is the police report for this alleged accident? so they can see that I was not part of the accident. 

Why was I never contacted by my insurance provider if I was somehow still associated with the vehicle? 

What documentation or proof do they have that links me to this event? 

The behavior of the collection agency has been unprofessional and harassing. I am more than willing to cooperate, but I expect a proper explanation and documentation before being subjected to threats or further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase refuses to refund a check i wrote to my landlord. The check was cashed by someone else. The landlord refuses to sign the affidavit alleging potential fraud. Chase said I can fill out the affidavit stating that the landlord refuses to cooperate. After two months of back and forth, Chase refuses to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX # XXXX -- - Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX -- - Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX * * * * Creditor/Collection Agency Name XXXX XXXX Account Number : XXXX * * * * Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX * * * * Creditor/Collection Agency Name : XXXX Account Number : XXXX * * * * Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Westlake Services, LLC
State: CA

Complaint narrative:
In accordance with the fair reporting credit act this creditor has violated my rights under XXXX usc XXXX section XXXX states I have the right to privacy XXXX usc XXXX section XXXXA section XXXX it also states a consume reporting agency can not firmish an account without my written instruction under 15usc XXXXB a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CarMax, Inc.
State: CA

Complaint narrative:
In accordance with the fair reporting credit act this creditor has violated my rights under XXXX usc XXXX section XXXX states I have the right to privacy XXXX usc XXXX section XXXXA section 2 it also states a consume reporting agency can not firmish an account without my written instruction under XXXXusc XXXXB a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
XX/XX/scrub>/2025 Contacted the company and asked them to send me the 1099 c form or a letter of explanation as to the debt they said I needed to give them a credit card so that they could send me any documentation in regards to the alleged debt. 

Dear XXXX XXXX I am writing to formally request that you cease all communication with me, whether by phone, mail, or any other means, regarding the above-referenced account, which you allege I owe.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to demand that you stop all communication with me. I am exercising that right with this letter. Any further communication from you, except for notices allowed by law ( such as advising me of specific legal actions you intend to take ), will be considered a violation of the FDCPA.

Additionally, please be advised that this account was charged off by the original creditor, and I dispute the validity of any remaining balance you claim is owed. If you believe this debt is valid and intend to pursue further action, I request you provide me with written verification as required under 15 U.S.C. 1692g ( b ).

Let this letter serve as my formal notification to cease and desist all collection attempts and contact regarding this matter.

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX I had a fraudulent charge of {$300.00} at a XXXX in AR I live in FL And have never lost, given, or ever have had by card information stolen before. 2 days later on XX/XX/year> I check my bank and had saw the charge and immediately called XXXX the agent had responded and said that yes it has been flagged for fraudulent charge and that I would be shipped and new card with new number and close the account and open with new numbers I had asked will I be reimbursed for this charge and they said that it wouldnt post and would never show. Fast forward it posted and so I called them asking if I would be reimbursed or if the charge would be removed they said they would sent me in mail in 7-10 days they never did. So when I paid the charge in full I called again asking whats taking so long if I was being reimbursed. Again they said that I would hear from them in 7-10 days still nothing.

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 2025-04-15 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:
Subject : FORMAL COMPLAINT ILLEGAL REINSERTION OF DELETED IDENTITY THEFT ACCOUNT XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau due to a serious violation of the Fair Credit Reporting Act ( FCRA ) by a credit reporting agency and/or data furnisher, XXXX, involving the unlawful reinsertion of a fraudulent account that had already been removed as a result of a properly documented identity theft case. 

Details of the fraudulent account : Creditor : XXXX Account Number : XXXX This account had previously been removed after I submitted an official FTC Identity Theft Report ( Report Number : XXXX ), along with supporting documentation. Despite full compliance on my part, the account has been illegally reinserted into my credit file without proper notification, in direct violation of the following provisions of the FCRA : 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block identity theft-related information within four ( 4 ) business days of receiving the report.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of any deleted information unless the furnisher certifies the accuracy of the data and the consumer is notified within five ( 5 ) business days of reinsertion.

15 U.S.C. 1681s-2 ( a ) : Requires data furnishers to refrain from reporting information they know to be the result of identity theft. 

To date, I have not received any notification, certification, or explanation regarding the reinsertion of this account, as required by law. This is a flagrant disregard for consumer rights under federal law, and I am requesting that the CFPB take immediate action. 

Requested resolution : Permanent deletion of the fraudulent XXXX account from my credit report Full investigation into this unlawful reinsertion Enforcement of penalties or corrective measures as deemed appropriate Attached Documentation : FTC Identity Theft Report ( Report No. XXXX ) Government-issued ID Proof of current address Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-04-15 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: DC

Complaint narrative:
ACCORDING TO 15 USC 1692 c you have violated my rights by unlawful communications. Under 15 USC 1681c-2, I demand that you remove these negative accounts within 4 days. Thank you I am submitting this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to two inaccurate and fraudulent accounts currently being reported on my credit file.

I am a verified victim of identity theft. I have submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof that my personal information was compromised in the Equifax data breach, as required under FCRA 605B , which mandates consumer reporting agencies to block fraudulent information from a consumers credit report within four business days of receiving proper documentation. 

Despite my compliance with all legal requirements, Equifax continues to report the following fraudulent accounts : 1. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Status : {$150.00} past due as of XX/XX/XXXX This is my second dispute of this account. Despite submitting all required documentation, Equifax has failed to remove or block this account as required by law. 
2. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Status : Collection account, {$710.00} past due as of XX/XX/XXXX This is my first dispute of this account, accompanied by all necessary identity theft documentation. Still, Equifax has not blocked this account from my file. 

Equifax is in violation of the following FCRA sections : 605B : Failure to block fraudulent information after proper identity theft documentation was submitted 611 : Failure to conduct a reasonable reinvestigation of disputed information 623 : Continued reporting of inaccurate information furnished by data furnishers These accounts are not mine. They are the result of identity theft, and Equifaxs refusal to follow federal law is negatively affecting my credit standing, mental well-being, and access to fair financial opportunities. I am requesting immediate correction of my credit file by permanently removing the fraudulent accounts listed above and holding Equifax accountable for failing to comply with federal consumer protection laws.

i have attached my supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies. According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions. Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option. Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation of this regulation. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681. I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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, XXXX XXXX XXXX ( MO ) 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 explanation