vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I noticed a collections account was opened back in XX/XX/XXXX saying that I owed {$5000.00} to XXXX and a collections agency ( XXXXXXXX XXXX XXXXXXXX ) had taken over the debt. I have never had any accounts, contracts, or agreements, nor have I purchased products or services from any cable/internet/cellular providers. No telecommunications bills have ever been addressed in my name and I have never received any written, verbal or virtual communication about past dues other than the notifications about the opened collection account. I filed a dispute on XX/XX/XXXX and it was denied on XX/XX/XXXX. I filed another dispute on XX/XX/XXXX and was denied on XX/XX/XXXX. A few months later it disappeared from my credit report without reason. On XX/XX/XXXX I received a notification that another collections account was opened from another collection agency ( Diversified Adj. SVC ) but still from XXXX. This time the amount is {$5100.00}. I filed a dispute and it was denied on XX/XX/XXXX, saying that the investigation determined that the debt is mine even though I still have never had any telecommunications services or products from any providers. I filed another dispute today on XX/XX/XXXX ( waiting for a result ) and read the results of the first dispute ( XX/XX/XXXX ) again. It states a particular address that is no longer my place of residence in addition to the fact that I have never produced any products or services from any telecommunications providers before. There is absolutely no way this account or this debt is mine. I believe that someone is using my name, my SSN or some other piece of information without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XX/XX/year> From : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, ID XXXX XXXX To : Experian AND Transunion RE : Request for Investigation of Unauthorized Credit Inquiry To whom it may concern, I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization on and noticed a credit inquiry that I did not authorize. 

I contacted all the creditors listed below regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

Note : I did NOT authorize these actions. Please have both Experian, and Transunion remove them immediately as this is violation of the Fair Credit Reporting Act. 

Thanks in advance for your assistance with this matter. 



TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm disputing the inaccuracy of this account XXXX Account Number XXXX, which I believe that I was not late on this account in XX/XX/year> and XX/XX/year>. This account with late payments is a violation of 15 US Code 1681e ( b ) and 12 CFR 1026.13 under billing Error Resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
The company has not processed the payment but they have received it and i received the confirmation number from XXXX XXXX XXXXXXXX. But we were called Mr cooper and an AI wanted a payment we tried to speak to a representative but it won't let me.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Request for Debt Validation and Assignment Contract Jefferson Capital Systems , LLC To Whom It May Concern : I am submitting this complaint against Jefferson Capital Systems , LLC for failure to provide a legally sufficient debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Jefferson Capital Systems is attempting to collect an alleged debt from me, which I dispute. Upon requesting validation, the company failed to provide documentation demonstrating its legal right to collect on this debt. 

Nature of the Complaint : I have requested that Jefferson Capital Systems validate the debt by providing the following : A copy of the assignment or purchase agreement showing that Jefferson Capital Systems legally acquired the alleged debt A complete chain of title, identifying all prior owners of the debt An itemized breakdown of the debt, including the original amount, interest, fees, and any payments A copy of the original contract or agreement creating the debt ( if applicable ) Despite this request, they have not furnished the assignment contract, which is essential to establish legal ownership and the right to collect. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX In XXXX XXXX XXXX XXXX XXXX, XXXX, 2019 XXXX XXXX ( XXXX XXXX XXXX XXXX, 2019 ), the court determined that a debt collector must provide documentary evidence of ownership of the debtnot just generic statements or spreadsheets. Specifically, debt collectors must produce the assignment contract or bill of sale and account-level documentation linking the consumer to the debt. 

Jefferson Capital Systems has not complied with this standard. Without producing the assignment or a chain of custody, they have no verifiable legal authority to collect this debt.

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

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX  account ( Account XXXX XXXXXXXX ) currently appearing on my Equifax credit report. 

According to the Fair Credit Reporting Act ( FCRA ) : Please provide documentation verifying the validity of this debt, including any signed agreements. 

Provide proof that I was notified of this debt as required. 

Supply all documents showing how your bureau conducted the investigation and verification. 

Given the inconsistencies and lack of clear evidence, I believe this debt is being reported in error. I request that it be removed from my credit file immediately, and that you send a new credit report reflecting the deletion. 

Due to the resulting emotional and financial stress, I am requesting {$1000.00} in compensation for damages as permitted by FCRA 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX  account ( Account XXXX XXXXXXXX ) currently appearing on my Equifax credit report. 

According to the Fair Credit Reporting Act ( FCRA ) : Please provide documentation verifying the validity of this debt, including any signed agreements. 

Provide proof that I was notified of this debt as required. 

Supply all documents showing how your bureau conducted the investigation and verification. 

Given the inconsistencies and lack of clear evidence, I believe this debt is being reported in error. I request that it be removed from my credit file immediately, and that you send a new credit report reflecting the deletion. 

Due to the resulting emotional and financial stress, I am requesting {$1000.00} in compensation for damages as permitted by FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach that may have compromised my identity and led to inaccurate reporting on my credit file. 

Accounts in Question : XXXX XXXX XXXX ( Account Number : XXXX ) OXXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Personal Information : Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened or inaccurately reported in my name due to the breach be blocked immediately.

15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm receipt of this letter and provide written confirmation of the actions taken regarding my accounts within 4 days. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information moving forward. 

Thank you for your prompt attention to this matter. I look forward to your immediate response by XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: WV

Complaint narrative:
Last XXXX I checked my XXXX  credit report and noticed that I had been listed as a co-signer on a student loan to a person named XXXX XXXX. I was advised to contact the lenders ( XXXX XXXX and AES/XXXX XXXX XXXX to tell them this was a fraudulent loan- which I did. Later, I received another notice from the banks above listing me as a co-signer on another student loan to a XXXX XXXX. Both loans total more than {$30000.00}. The banks have insisted that I need to file police reports, have my complaint notarized and have ID Theft Affadavits completed. The information they are asking me to provide contains sensitive personal financial information and I have been advised by my attorney not to do this. 

I'm hoping the CFPB can help me resolve this issue so that I can restore my credit rating and financial reputation.

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

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: NC

Complaint narrative:
For the past 3 years, I've been treated badly by this company as representatives.I wasn't even notified that my payment was late.They did not call me or anything.They 've been mistreating me for 3 yrs They've been hanging up at my face not notifying me of my payments.Or about due Discuss my personal life yelling. at me and made it very difficult to manage my loan

Company response to consumer: Closed with explanation