vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
I am writing to formally dispute the accuracy of XXXX entries on my Experian credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and in light of the Experian data breach, I request that you immediately investigate and rectify any inaccuracies related to these accounts. 
The accounts in question are as follows : Account NamXXXX 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 XXXXXX/XX/XXXX Balance : {$1700.00} If these accounts can not be verified with proper documentation, they must be deleted from my credit report in accordance with FCRA guidelines. Enclosed are copies of my government-issued identification and proof of address to assist in your 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 explanation
Consumer complaint received 2025-05-06 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

ATTYGENERL XXXX XXXX XXXX  {$7700.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

ATTYGENERL XXXX XXXX XXXX  {$7700.00} 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I reached out to Jefferson Capital Systems , LLC in regards to a collection on my credit report. Under the information regarding the collection, there as no original creditor, no remarks, and no contact information. I XXXX  the company and called. I verified all of my personal identifiers. The lady then asked that I give my debit card or bank account information to be charged {$1.00} to obtain any information regarding the debt. I didn't feel like that was appropriate. She became very rude at that time. I called THEM to remedy a debt that I possibly owe but they would not tell me anything without payment. I don't know if this is standard protocol but that seems odd to me. I want to take care of the matter but I should not have to give any of financial information to do so until I am paying the debt or settling. I do not know what to do next. It's obviously something because it is already on my report. I don't recall ever receiving an email from them which is what she said their primary form of communication is. I don't believe I have received any mail either. I just want to know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This collection TRANSWORLD SYSTEMS acc. # XXXX is reporting a passed due amount of money allegedly owed that does not belong to me the original creditor XXXX XXXX Was deemed fraudulent and I filed a police report XXXX # XXXX & a complaint with the Federal Trade Commission I provided a copy of this police report & FTC complaint # XXXX to TransWorld Systems & all 3 major credit reporting agencies. TRANSWORLD SYSTEMS continuance of reporting this account is a violation to the FAIR CREDIT REPORTING ACT Moreover I was XXXX  at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, Maryland at the time this original creditor account was allegedly created/opened and this can be easily verified case # XXXX I am investigating at this moment because I do believe this account quite possibly could of been opened by a family member of mine either way this account was opened without my knowledge and therefore is fraudulent and pursuant to FCRA Sec. 600,606, & 623 should be blocked/removed immediately from being reported to all credit agencies. Under the fair credit reporting act and Maryland laws and regulations I request TransWorld Systems reinvestigate and actually verify all information and documentation and once TRANSWORLD verified this information/account is a result of XXXX XXXX being a victim of identity theft/fraud with the police report to support this I demand/ request TransWorld Systems inc. remove this above said Account from being reported to all credit reporting agencies immediately

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC XXXXg, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each 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 non-monetary relief
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I previously submitted a dispute and a CFPB complaint regarding an {$870.00} account being reported by LVNV Funding and serviced by Resurgent Capital Services. Despite my formal dispute, the companies failed to provide legally sufficient documentation under the FDCPA and FCRA. No signed agreement, no itemized account breakdown, and no verifiable chain of assignment were included. 

Worse, the debt was re-reported to XXXX XXXX XXXX during an active investigation and lease application process despite already being removed from XXXX This caused material harm to my housing application and financial standing. 

I recently received XXXX nearly identical letters from XXXX ( dated XX/XX/XXXX ), along with a basic summary and a XXXX XXXX XXXX Bank statement that does not validate the debt. Their investigation has not fixed the error or resolved the reporting violation. 

I am demanding that XXXX and XXXX : 1. Immediately delete this account from XXXX XXXX XXXX  ; 2. Cease all collection efforts ; 3. And provide {$5000.00} in compensation for the damage caused by inaccurate and unlawful re-reporting during a dispute. 

This is a follow-up complaint, since the original case does not allow submission of new documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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'm having trouble with a XXXX account ending in XXXX XXXXXXXX on my Equifax report. They got it marked as Charge Off Zero Balance but at the same time it also says Closed and Paid. I dont get how all 3 can be true at once.

Also, they report 30 days late and 60 days late out of nowhere, but all the months before and after show OK so it looks like they just made that up. They also didnt put the Date of Last Activity, the payment rating, or the XXXX dispute code even tho I filed a dispute and the account is still under review. 

What's weird too is that this account dont show up at all in XXXX  or XXXX  XXXX Its just in Equifax and that feels wrong. I even mailed the creditor myself and still nothing got fixed. This is hurting my credit and no one is taking it serious.

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

Complaint narrative:
Equifax is reporting erroneous collection and charge-off data that is directly affecting my financial credibility. The following accounts are inaccurate and unverifiable : XXXX  XXXX XXXX * * * * for {$3000.00} and XXXX XXXX XXXX * * * * for {$1300.00}. These tradelines were never authorized, and the reporting is likely the result of data compromise related to a breach that has corrupted or exposed my personal information. Equifax has not provided any meaningful verification or documentation to prove that I am responsible for these debts. Whats more, they continue to publish this damaging information even after prior disputes, which signals a disturbing lack of accountability and due diligence. These accounts are materially harming my credit rating and preventing me from obtaining financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I purchased a TV through XXXX and it was delivered damaged as it was shipped to me. I had to put in a return and create a new affirm plan for another one to be available for pickup, as I did not trust that shipping another would be safe. Ever since affirm will not release the initial loan through them. I have contacted affirm as well as XXXX and they both advise me the other has to correct this. Im not sure what else I can do to fix this on my end. This is going to impact my credit score and has also restricted me from being able to use affirm in the future. Very poor business on affirms end. I just want this fixed so I can move on.

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

Complaint narrative:
As outlined in the statute, if you are unable to provide valid, verifiable documentation confirming the accuracy of the account ( s ) listed below within 15 days of your investigation, you must either delete or appropriately update the disputed information in my credit file.

Furthermore, under 15 U.S. Code 1681a ( c ) ( 2 ) ( B ), credit transactions involving the use of a Social Security card are not permitted to be included in a consumer credit report. If a Social Security card was used in connection with the account, its inclusion violates federal law. 

I urge you to take the necessary actions to comply with these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I have a brokerage account with Robinhood. They randomly sold off half of my portfolio and closed my account. But my money is locked up and they will not let me transfer it out. Theres no customer service number, they wont call me back, and they dont respond to emails. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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