vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXX 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 2025-04-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
A fair resolution would be the permanent deletion of all unauthorized inquiries from my Equifax credit report, including : XXXX XXXX VIA DEALER XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX. These inquiries were made without my permission and are damaging my credit score. I am requesting immediate removal of these inquiries and written confirmation once completed. I am also asking Equifax to strengthen its procedures to prevent unauthorized access to my credit file in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I called Barclays about two weeks ago to report a fraudulent credit card account under my name that I kept receiving a bill to my home of {$89.00}. They have not closed this account, and now my credit is being affected. When I spoke to them they transferred me over to the fraud department because they could not find my account with my phone number or the last four of my social. I would like to know what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to comply with my lawful request for debt validation, as outlined under 15 U.S. code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) On XX/XX/year> I submitted a written request to Equifax disputing an alleged account reported on my credit file and requesting proper validation of the alleged debt. Specifically, I asked for verification of the original creditor, a breakdown of the alleged debt, and a copy of the original signed contract or purchase agreement establishing my liability. As of the date of this letter I have not received any response or documentation validating the debt, nor has Equifax removed or marked the items as disputed. 

This is a direct violation of my rights under the FDCPA, and the Fair Credit Reporting Act ( FCRA ) particularly 15 U.S. code 1692 g and 1681 e ( B ) which requires credit reporting agencies and furnishers of information to follow reasonable procedures to ensure accuracy and respond to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: I.C. System, Inc.
State: AR

Complaint narrative:
This acoount does not belong to me XXXX XXXX XXXX in the amount of XXXX I ask that it be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables MNG put a collections of {$2900.00} on my credit reports. It is fraud. I called them and they told me to call XXXX. XXXX told me to file a police report and upload it to their dispute website at : XXXX XXXX XXXX  I filled it out and uploaded the FBI IC3 Complaint along with a copy of my driver 's license. I have not heard back from XXXX and the fraudulent collection shas not been removed. I went into XXXX store where they took a picture of my license with their XXXX. The representative told me that someone opened an account in my name XXXX XXXX they said i have to upload documentation to the same link I had already done. They could not give me any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I HAVE FILED SO MANY COMPLAINTS AGAINST THE ID DEPARTMENT WITH FORD MOTOR CREDIT COMPANY AND A LADY IN THE ID FRAUD DEPARTMENT WITH FORD MOTOR CREDIT COMPANY NAMED XXXX, XXXX IS A JOKE AND THERE IS A SHERIFF OUT LOOKING FOR HER AND I LET THE SECURITY DEPARTMENT AND THE EXECUTIVE OFFICE KNOW SO HAS PAPERS TO BE SERVED ON HER TO APPEAR IN COURT IN XXXX XXXX XXXX NC, NOW I HAVE PAID {$5000.00} BOUNTY TO A PRIVATE INVESTIGATOR TO TRACK HER DOWN AND HAVE HER SERVED. I WAS OUT OF THE COUNTRY WHEN XXXX FORD SOLD SEVERAL TRUCKS UNDER MY NAME AND I HAVE FILED ALL THE PAPERWORK THAT INCLUDES FTC IDENTITY THEFT REPORT AND POLICE REPORTS, I EVEN HAD THE POLICE PULL MY PASSPORT INFORMATION SHOWING I WASN'T EVEN IN THE COUNTRY WHEN THESE TRUCKS WERE SOLD. XXXX ALLOWED THIS FRAUD APP TO GO THROUGH AND I EVEN CALLED THEM 5 MINUTES AFTER THE CREDIT INQUIRE WAS DONE TO TELL THE FINANCE MANGER THAT THE APP FOR CREDIT IS FRAUD. XXXX XXXX WAS XXXX AND HE TOLD ME THE APP WILL BE CANCELED AND HE WILL SEND A REQUEST TO HAVE THE XXXX FORD INQUIRE DELETED. WELL HE DID HAVE THE FRAUD INQUIRE DELETED AND ALSO FORD MOTOR CREDIT COMPANY INQUIRE DELETED BUT THE STILL ALLOWED THIS PERSON TO STEAL MY IDENTITY AND BUY 4 TRUCKS IN MY NAME. NOW IM LOSING MY HOUSE BECAUSE OF THIS. I CALLED AND TALK TO THE HEAD OFFICE AT FORD MOTOR CREDIT AND THEY STATED THE PROBLEM CAME FROM THE FORD DEALER SO I NEED TO REPORT XXXX FORD FOR ALLOWING FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial data was compromised, violating ferpa as well as the higher education act. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new checking account and my account was marked for fraud investigation after an initial deposit. There was no communication regarding this and when I called to find out more, I was told there would be a resolution on XX/XX/XXXX. On the XXXX, I called and was initially told my account was closed, but then was told it was still being investigated with follow up coming on another date. On that date, I called and was told that there was no update. 

I called three days later and was told again my account was closed, a letter was sent, and the check for the funds in the account were being mailed to me. With further inquiry/additional calls I found out the account was closed, but the funds were being reviewed and there was no timeline update. 

There was no communication from the bank regarding the account, I had to call and find out information every time. There is no way for me to check the status or get any information beyond 'it is under review '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX, Community Capital bank, has called my daughter 3-4 times per day since XXXX. They have contacted my Uncle and my Cousin ( None connected with the account ) XX/XX/XXXX I learned about the message my cousin got. I'm sure the company is going to use some loophole to say they are not telling others about my debt, but they are harassing THEM! I didn't use them as references or anything and they don't have anything to do with the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection ( TU ) U S DEPT OF EDXXXX XXXX XXXX - {$12000.00} U S DEPT OF EDXXXX - XXXX XXXX {$5300.00} U S DEPT OF EDXXXX - XXXX - {$2900.00}

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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : LVNV FUNDING LLC Account number : XXXX XXXX. The inquiry was not authorized LVNV FUNDING LLC Account number : XXXX Date of inquiry : XXXX Please remove it from my credit report. 
Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 sent a letter to all three credit bureaus to investigate a debt on my credit report with XXXX XXXX  XXXX for account XXXX. the credit bureaus did not investigate and they reported the investigate as frivolous when I sent a copy of my social security card, government ID, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I sent a letter to all three credit bureaus to investigate a debt on my credit report with XXXX XXXX  XXXX for account XXXX. the credit bureaus did not investigate and they reported the investigate as frivolous when I sent a copy of my social security card, government ID, and proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: AZ

Complaint narrative:
XXXX repeated failure to properly address disputes has become a pattern, and it's XXXX that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX  days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Inquiry ( XXXX  XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I was told by my XXXX my account was closed on XXXX XXXX a lawsuit was deposit to bank of America they stated the account was closed only for me to find out bank employee where involved in a scam now they state the account was just closed on XX/XX/XXXX but I never access the funds the account number ends in XXXX I need help my entire lifechnaged I have been XXXX  3 times since this started

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 2025-04-10 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My daughter leased a car for work I was asked to sign with her. As it became clear she could not keep up with lease payments Ally asked if she would like to end the lease she said yes. Ally came and picked up the car and sold the car after she ended the lease. 
She had paid {$11000.00} towards the lease,, Ally sold the car after they picked it up for a amount they would not disclose to me and they are coming after me for a additional {$22000.00} after they sold the car. Ally caused my credit to plummet it was XXXX and now I can't even get a mortgage loan for a townhome due to this with Ally. Everything else on my credit report supports allowing a mortgage except for Ally. I am a XXXX XXXX XXXX XXXX  on social security my late husband was a doctor and we never had a problem getting credit or a mortgage. I earn enough on social security and a part time job to cover the cost of a mortgage but I can't get it only because of Ally. Ally sold the car my daughter paid {$11000.00} how can the balance possibly be {$22000.00}? I do not have the car so the lease was ended so why are they constantly harassing with phone calls and emails daily to pay them this money? When I do answer the calls to try and end this situation they are very nasty and mean and sometimes I can not understand the conversation as I believe they maybe calling from some other country. They demand I give them my credit card information or electronic check information my routing number and checking account number and are very belligerent about it. I need for this to stop and I need to have my XXXX XXXX corrected back to XXXX. Ally has made my daily life miserable and I don't even have anything that belongs to them. According to the paperwork the balance was {$36000.00} daughter paid {$11000.00} they sold the car for a undisclosed amount and now they are after me for {$22000.00}. That amounts to {$34000.00} so what was the car sold for??? And how can they get away with all of this.

Company response to consumer: Closed with explanation