vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2025-06-05 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: SC

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 2025-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Last XXXX of 2024, we filed for bankruptcy but the house was not included. We did file for loss mitigation however, they stated that all the information wasn't submitted in a timely manner. So, our bankruptcy attorney ask us to resubmit and send him a copy of when it was submitted. The mortgage company had their attorney submit us documents with a trial modification payment plan. We accepted the plan for XXXX, XXXX XXXX XXXX of 2024. So, in XXXX we wanted to know what happens next. We received more documentation from their attorney stating what our payments would be each month. We made payments each month as we needed to call it in because we are unable to access the online acct stating everything needed to go through this XXXX person. We ended changing banks so when we called in the XXXX payment on XX/XX/XXXX, my husband provided this person the new bank information. I kept waiting and waiting for the payment to come out so asked my husband to call to see what is going on. That person said oh your bank returned the funds because your information was inaccurate and you need to call your bank. We called and our bank stated that nothing tried to come through for that mortgage company. No other company is having any issues withdrawing money from our account. So we know the routing number and account number is valid and accurate. My husband called again to make the XXXX payment on the XXXX XXXX I waited again XXXX nothing. He also told me that it was XXXX dollars short so I attempted to make that payment via bill pay on XX/XX/XXXX. Later that same day my husband called that person again to try and make a payment and he stated that we needed to change banks, they don't accept bill pay, they don't accept paper checks, they don't accept XXXX XXXX XXXX I don't know what to tell you. On XX/XX/XXXX the bill pay money was returned stating invalid acct number for the mortgage company. We've worked entirely too hard for us to lose our home behind something that is outside of our control. A struggle family just trying to make the monthly payments. We have been in our home for almost 19 years and the goal is to remain in it. I don't know what foolishness they got going on but I am not trying to be homeless and it's feels like that is what they are trying to do. They are going to say we reigned on the contract and failed to make a payment. My husband has recordings on the conversation had because this person that we are dealing with is very disrespectful, condensing and right done rude. Even our bankruptcy attorney has attempted to reach out to their attorney and has not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax 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 2025-06-05 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: NY

Complaint narrative:
Contacted transunion credit score company on XX/XX/year> and on XXXX XXXX, 2025 because several credit inquiries don't belong to me. It is effecting my score. I submitted disputes on both dates listed above. They said they would file disputes and wait to hear from your agency.

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 2025-06-05 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: FL

Complaint narrative:
I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

ACCOUNTS : 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

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-05 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XXXX is refusing to return the {$820.00} that was stolen from my account after my card was compromised. I received an official data breach letter on XX/XX/XXXX, saying my card information had been stolen, and I reported the fraud immediately. Still, XXXX denied my dispute. XXXX using a XXXX XXXX ( which I didnt even recognize at first and XXXX or XXXX not have been mine ) to say I missed the XXXX deadline, which doesnt make sense because the fraudulent charges happened after the breach and are clearly not related to that subscription. 

XXXX women at the branch have been trying to help me they found that the original dispute XXXX have been duplicated, and they couldnt even view the original case. They were shocked by how messy it was and told me they were trying to separate the charges. But the XXXX  department is blocking it, acting like they cant separate the XXXX  from the XXXX even though the charges are clearly different. 

XXXX a XXXX student, and this has been XXXX, unfair, and financially XXXX Only {$24.00} has been returned to me, and the rest is being ignored. The bank XXXX never opened a new dispute, and a regular employee has done more work to try to fix this than anyone else. XXXX is twisting timelines and refusing to take responsibility for handling my fraud report properly. I want my money returned, and I want them held accountable.

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 2025-06-05 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Attention : LVNV Funding LLC In accordance with the consumer protection laws, including Public Laws 95-109 and 99-361, which encompass the Fair Debt Collection Practices Act, and the Metro 2 laws governing credit reporting, I am formally notifying you that your services are no longer required in relation to the alleged debt you claim I owe. 



Per the aforementioned laws, I demand an immediate cessation of all debt collection activities and communication attempts regarding the specified debt. 



I must emphasize that any further attempt to collect the alleged debt in question without proper validation and verification will be considered a violation of my rights under the Fair Debt Collection Practices Act. Such actions may lead to legal consequences, including a complaint lodged with the Federal Trade Commission and the Attorney General of [ your state ]. Additionally, I shall pursue civil and criminal legal remedies against you and your company in accordance with the applicable laws. 



As a consumer, I am aware of my rights under the law, which includes the right to record telephone conversations. Hence, I hereby inform you that I may use telephone recording equipment to document any future communication we may have. 



Furthermore, it is essential that you adhere to the regulations outlined in the Metro 2 laws regarding credit reporting. Any attempt to report negative information on my credit bureau reports after receiving this notice will be deemed as a violation of these laws. In such a case, I will not hesitate to take legal action against your company, both individually and corporately, to seek all available legal remedies. 



Please be aware that I only negotiate and settle accounts directly with the original creditor. Therefore, any association or collaboration with collection agencies is against my policy. 



I expect written confirmation from your agency, within 30 days of receiving this letter, acknowledging that you will cease all collection activities regarding the alleged debt and that you will comply with the applicable consumer and credit reporting laws. 



Your cooperation in this matter is anticipated. Failure to comply with this notice will leave me no choice but to exercise my rights under the law. 



Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
In 2021, my sister signed up for a product with XXXX on my behalf at a rental property. She was told by the XXXX representative that it was a flat monthly fee for security services similar to XXXX or XXXX cable services and could be cancelled at any time. She signed a document stating this. After about 6 months my tenants moved out and the equipment was sent back. I then learned that I am being charged {$65.00} a month by Citizens Bank and that the contract was actually much different than what was represented ; it is actually for a {$4000.00} loan that is payable over 5 years and is not cancellable. There is no security equipment at the rental home and has not been for almost XXXX years, and there are no services that have been provided. Citizens has said they can't do anything about this. XXXX says that it is Citizens responsiblity. This is an egregious violation, as I was misled as to what this contract was and have now paid over {$3000.00} for no services, and am told that an additional {$1000.00} is owed. Please investigate this and help me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00}

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 2025-06-05 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is reporting a Chapter XXXX bankruptcy and distributing personal identifying information without my verified consent. I was not given the opportunity to opt out, dispute, or validate any information under TILA 15 USC 1666 or FCRA 15 USC 1681b. The bankruptcy was filed under duress and should not have been published or furnished. XXXX did not validate identity, accuracy, or authorization before publishing these records. The court itself states it does not verify this data for credit reporting purposes. XXXX is acting as a furnisher under FCRA 1681s-2 but failed to meet its legal duties. This public record is now causing ongoing damage and must be removed. I am including my FTC Identity Theft Report and government-issued ID as required under FCRA 1681c-2. XXXXXXXX has no lawful basis to report or maintain this 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