vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am writing in response to your collection placed on credit report twice. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Texas ; XXXX proof XXXX the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
Transunion is fraudulent reporting inaccurately on my credit report. They refuse to investigate my claim. The bankruptcy listed is a result of fraud and its reporting fraud. 
This isn't my bankruptcy. I have contacted the court directly, and although you keep saying it's verified. The court is saying that you have not reached out to them. Therefore you aren't doing any kind of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
on XX/XX/year>2025 the law was passed by you guys ( CFPB ) that all medical debt no matter the amount should not be reported on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit 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 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/year>2025, I received a credit alert of a derogatory remark due to a collection bill posted on my credit report from a company named, Credence Resource Management for {$130.00}. I immediately filed a complaint to the XXXX a complaint with XXXX, and XXXX where the collection was postedXXXX XXXX XXXXeached out to Credence Resource Management ( assuming the report is valid ), and there has been an XXXX XXXX XXXX Invoice created with my first and last name, however, with an invalid address. The address on the XXXX XXXX XXXX Invoice is XXXX XXXX XXXX XXXX XXXX, MI XXXX which I have never heard of or have any association with. The Credence Resource Management has not removed this fraudulent collections from my credit report, and XXXX has declared this fraudulent collections charge as " accurate '' allowing an attempt to collect funds from me, fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX is responsible for stealing my information and creating loans as well as stealing my personal information. He has been arrested for multiple counts of stealing information. A police report was made and he has done this to numerous people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC
State: NE

Complaint narrative:
I reached out to National Accounts Systems certified mail and all 3 credit credit bureaus XXXX XXXX XXXX and XXXX. No one has investigated or removed from my file these are not my accounts. Not mine No knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LEXISNEXIS
State: NC

Complaint narrative:
FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION XXXX ( a ), SECTION XXXX ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( XXXX  ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : ADS/Comenity/mypoints reward ( XXXX ), XXXX  ( XXXX ) XXXX SYSTEMS XXXX ( XXXX XXXX XXXX XXXX SYSTEMS ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: ID Analytics, Inc.
State: NC

Complaint narrative:
FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION XXXX ( a ), SECTION XXXX ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( XXXX  ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX  ( XXXX ), XXXX  ( XXXX ) XXXX SYSTEMS XXXX ( XXXX XXXX XXXX XXXX SYSTEMS ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CT

Complaint narrative:
I have been attempting to get credit from creditors but, have been denied because Experian System is blocking my credit report from generating and being accessed. This has been going on since XX/XX/year>2024. I hate not been able to get credit due to Experians flaw system. This has cause extreme financial and XXXX XXXX. I will like to be compensated for {$9000.00} dollars due to Experians system cause my credit report to not be generated when creditors check! Please take immediate corrective actions! ( See Attached images ).

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 monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CL Holdings LLC
State: FL

Complaint narrative:
Okay for badcock furniture I was incarcerated and was not released until XX/XX/year> I do know who use my ID and social security card to get this under my name and I'm going to pursue charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I feel like the company closed my account in retaliation to a dispute fraud on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My personal and financial information was compromised without my authorization. The family educational rights and privacy act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
XXXX {$520.00} the companys name is FFR located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX. I have requested the the orignal bill from the XXXX or the XXXX office to nigociate, this collection agency is failed to provide that yet and reported to the credit bureaus that casting the nagative effect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
This company has been on my credit report since XXXX. I hadn't checked my report in many many years and I had seen that some credit cards were open in my name. This being one of them I was XXXX when this credit card was open. I was not my financial guardian. I've sent proof to this company and they keep keeping it on my credit report and putting the year that it will fall out further and further the original date that this was open was something like XXXX and now it's saying on my credit report that it's gon na be there untill XXXX. I don't see how that is legal. This is not my debt. I've shown proof and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My Name is XXXX XXXX and my information was exposed in a data breach. 
Being my information has/will/ and can be used again being all of my social security information, my date of birth, and my personal information was stolen due to this data breach, I want my credit report cleared of anything and everything. Should you need to contact me personally please do so I would be happy to speak with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Eqifax TransUnion and Experian had removed XXXX XXXX XXXX  off my credit report which is a fraudulent account and not even a week later the account has been placed right back on my report Im so frustrated with dealing with this and Im getting nowhere the account is a charge off account and the balance on the account is XXXX dollars I want this account removed right back of my credit file permanently the confirmation number is XXXXThank you my name is XXXX XXXX my date of birth is XX/XX/XXXX last XXXX digits of my social security number is XXXX my phone number is XXXX

Company response to consumer: Closed with explanation