vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported on my credit file. I was recently contacted by a collection company regarding an account that I did not open and have no knowledge of. I informed the company that the account was fraudulent and requested a copy of the original contract. 

Upon reviewing the documentation they provided, I noticed that the signature on the contract is not mine. Furthermore, no payments have ever been made on the account, which further supports my claim that I am not responsible for it. 

Despite notifying the company of the fraudulent nature of the account and requesting its removal from my credit report, the account has not been removed. Additionally, it is currently showing late payments, which is significantly damaging my credit and making it impossible for me to purchase a home for my family. 

I am requesting immediate removal of this fraudulent account and all related negative information from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

I am prepared to provide identification and any supporting documents as needed. Please promptly confirm receipt of this dispute and the steps being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
charge off and collerctions oliphant usa llc # XXXX {$7700.00} XXXX XXXX XXXX XXXX # XXXX {$1800.00} XXXX XXXX # XXXX {$7000.00} XXXX # XXXX {$7500.00} XXXX # XXXX {$5200.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXXc XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 have submitted this dispute many times regarding an account on my credit report that I strongly believe is still inaccurate and incomplete. Despite my ongoing efforts, the incorrect information continues to appear, and it seems no thorough investigation has been completed. 

This has become a serious source of emotional stress and is now affecting my daily life. Im feeling increasingly frustrated and disheartened by the continued lack of resolution.

Please note that I am submitting this dispute personallyno one is acting on my behalf. I respectfully ask that a fair and complete review be conducted as soon as possible. 

Thank you for your time and attention.

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 2025-04-30 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 submitted this dispute many times regarding an account on my credit report that I strongly believe is still inaccurate and incomplete. Despite my ongoing efforts, the incorrect information continues to appear, and it seems no thorough investigation has been completed. 

This has become a serious source of emotional stress and is now affecting my daily life. Im feeling increasingly frustrated and disheartened by the continued lack of resolution.

Please note that I am submitting this dispute personallyno one is acting on my behalf. I respectfully ask that a fair and complete review be conducted as soon as possible. 

Thank you for your time and attention.

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 2025-04-30 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts under my rights provided by the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX  Account # : XXXX * * * * * * * * Under 15 U.S. Code 1681b, I never gave written consent for this account to be reported. No consent = identity theft. This account must be deleted immediately. 

XXXX XXXX XXXX  XXXX Account XXXX : XXXX * * * * * * * * * * * * * No proof has been provided. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), I assume no debt exists. This account must be deleted immediately. 

XXXX XXXX  Account # : XXXX * * * * * * * * * My identity was breached. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted accounts can not be reinserted without notice. This account is fraudulent and must be removed. 

XXXX XXXX XXXX  XXXX Account # : XXXX * * * * * * * * * Under 15 U.S. Code 1681b, I never gave written permission for this account. Reporting without consent is identity theft. This account must be deleted 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I was charged {$4400.00} and again on XX/XX/XXXX for {$4500.00} by XXXX * XXXX on my Citi credit card ending in XXXX totaling {$9000.00}. These charges were for services that were delivered in name but not as promised, and not effective. The results did not meet the scope, quality, or expectations outlined during the agreement. 

I contacted the merchant multiple times requesting clarification or a refund, but received no response. I then filed disputes with Citibank. Both were denied. In the final denial dated XX/XX/XXXX, Citi claimed the services were received, but provided no supporting evidence or explanation as to how they made that determination. 

I also submitted documentation of the merchant 's non-response and a summary showing {$14000.00} paid to this merchant across XXXX household accounts ( including my spouse ). Citi closed the case without addressing these facts. I am requesting CFPB assistance in reopening the dispute and securing a full refund for undelivered and ineffective services.

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 2025-04-30 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent collection account appearing on my consumer XXXX credit report, which I do not recognize and did not authorize. The account in question is associated with a lease at XXXX XXXX XXXX XXXX XXXXXXXX and is the result of identity theft and fraud. 

I, XXXX XXXX, have never applied for or signed a lease at XXXX XXXX XXXX XXXX XXXX XXXX have I ever resided at or had any legitimate dealings with this property. Therefore, this collection account is entirely unauthorized, inaccurate, and damaging to my credit profile. 

I am formally requesting that this fraudulent item be removed from all of my consumer credit reports and that all related collection activity be ceased immediately. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Removal of Late Payment on Credit Report To whom it may concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute a late payment reported on my credit file in association with the following account : Creditor : TD Auto Finance Account Type : Automobile Loan Date Opened : XXXX XXXX XXXX  Monthly Payment : {$540.00} Current Balance : {$24000.00} Reported Delinquency : XX/XX/XXXX ( 30-59 Days Late ) I respectfully request that this late payment be removed from my credit report. I believe this delinquency to be either inaccurately reported or not properly verified. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), consumers have the right to dispute any information on their credit reports that is inaccurate, incomplete, or unverifiable. Upon receipt of this letter, TransUnion is required to conduct a reasonable investigation into the dispute within 30 days. If the creditor can not verify the accuracy of the late payment, it must be removed from my credit file. 

As a responsible consumer, I take my credit obligations seriously. I kindly ask that this late payment entry be reviewed and, if found unverifiable or inaccurately reported, deleted from my credit history as soon as possible. 

Attached you will find identification documents and a proof of address to assist with this dispute. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that the disputed late payment has been addressed and corrected accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account with XXXX XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I am writing to formally dispute several items listed on my credit report and to bring to your attention multiple violations of my privacy and confidentiality rights as defined by the Fair Credit Reporting Act ( FCRA ) and relevant federal laws.

1. Unauthorized Access to My Credit Report Violation of 15 USC 1681b ( 2 ) Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ). Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This company has been harassing me about a debt that I dont owe I asked them to stop calling they are always rude and try to constantly threaten me about legal action and garnishment I told them that i dont owe them but they refuse to let it go they are also putting this debt on my credit report and its effecting my life this is a violation of the fcra and the fair debt collection practice act they dont have proof of original contract proof of my ssn card and id card they have no proof that I owe this debt remove this from all of my reports immediately or I will take legal action against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the validity of the debt you claim I owe and to address several violations of consumer protection laws in your collection practices. I do not recognize any debt with the following collection agencies : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - XXXX Under 12 CFR 1006.34 ( b ) ( XXXX ), I request full validation of the debt, including : - The original creditors name - The account number- The total amount owed - A breakdown of all charges, fees, and interest - A copy of the purchase agreement between the collection agency and the original creditor I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Additionally, I revoke your authorization to contact me via email, phone, or text. All communication must be in writing. Your failure to provide a reasonable opportunity to dispute the debt, as required by 12 CFR 1006.34 ( c ) ( XXXX ) ( i ), is a violation of my rights. Furthermore, your collection methods lack the legally required disclosures and may be unlawful under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ). 

Please address these issues promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 sent in copies of credit report with police idenity report and inaccuracies underlined and I recieved no response.

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 2025-04-30 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: FL

Complaint narrative:
I sent in copies of credit report with police idenity report and inaccuracies underlined and I recieved no response.

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 2025-04-30 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:
I am a confirmed victim of identity theft. I submitted a formal Cease and Block Demand under FCRA 605B to Experian on XX/XX/year>, including my sworn affidavit and two valid FTC Identity Theft Reports ( # XXXX and # XXXX ). 

Despite this, Experian continues to report unauthorized fraudulent accounts from : XXXX XXXX XXXX XXXX XXXX / XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my consent and are causing financial and reputational harm. FCRA 605B requires these accounts to be permanently blocked within XXXX business days. 

Experian has previously been sued by the CFPB ( XXXX XXXX ) for failing to properly handle disputes. This shows a pattern of noncompliance. 

I am demanding immediate deletion of these fraudulent accounts. I uploaded my cease and block letter, affidavit, and supporting documentation.

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 2025-04-30 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation