vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX Bank - Account ending in XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC XXXX Theft Report 2. Copy of my government-issued 3.

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

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 2025-03-21 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: NY

Complaint narrative:
I was reviewing my credit score when I discovered XXXX accounts that I never opened. XXXX is with a company named XXXX, and the other is with XXXX XXXX. I am convinced that my information has been compromised, and someone is using it to attempt to open accounts without my 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 2025-03-21 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, XXXX XXXX XXXX ( MO ) 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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: MD

Complaint narrative:
I opened a Kikoff Secured Credit Card because it was promoted and advertised as a credit-building and credit-repair tool. However, after using the card for nearly a year, I discovered it does not report any balance or utilization to the credit bureausonly that the account is open and without late payments. 

I contacted Kikoff and was told they do not report utilization at all. This is misleading, as credit utilization is a major factor in credit scores. Additionally, I can not view my balance, utilization rate, statement date, XXXX, or payment due datesbasic features included with any traditional credit card. 

With only the accounts open status being reported and no additional activity shown, it defaults to being in good standing, but this has not helped improve my credit meaningfully. I believe this product XXXX be deceptively marketed and request that this be reviewed for misleading advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company has no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : XXXX Dispute Request Verification of Debt Dear XXXX, I am writing to formally request verification of an item appearing on my credit report under my rights granted by Section XXXX of the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and noticed an entry from Credit Collection Services for an alleged debt of {$400.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. 

I am requesting full validation of this account, including : 1. A copy of the original signed contract or agreement that legally binds me to this debt.

2. The name and contact information of the original creditor.

3. A detailed itemization of the alleged debt, including the principal amount, interest, fees, and any payments made.

4. A full explanation of how this debt was calculated.

5. Proof that Credit Collection Services has the legal right to collect this debt.

6. Copies of any correspondence sent to me regarding this account. 

If you can not provide the requested documentation verifying this debt, I respectfully request that you remove this item from my credit report immediately. 

Please respond within the timeframe required by law. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
On XX/XX/year>, I mailed a check for {$12000.00} to OneMain Financial to cover a XXXX payoff balance due by XX/XX/year>. The payment was processed and posted to my account on XX/XX/year>, leaving a remaining balance of {$110.00} on my online portal. On the same day, I made an online payment of {$110.00} to fully settle the account. Later that day, the portal updated to show a balance of {$0.00}. Assuming this was a minor residual, I paid {$20.00} on XX/XX/year>, intending to clear the remaining loan balance and expecting a refund for any overpayment. 

As of XX/XX/XXXX, XXXX days XXXX XXXX still shows a {$0.00} balance. On XX/XX/year>, I received a call from a XXXX customer service representative who informed me that I owe {$40.00} more to close the loan, claiming this was due to {$60.00} in fees accrued after my payoff attempt. When I made the {$20.00} payment on XX/XX/XXXX, it was applied to these undisclosed fees rather than the remaining loan balance, despite the portal indicating only {$0.00} was duenot {$60.00} in additional charges. 

This violates the Truth in Lending Act ( XXXX ) in XXXX ways. First, OneMain failed to disclose the {$60.00} in fees prior to or during my payoff process, either in writing or on the portal, which consistently showed a payoff amount of {$110.00} and then {$0.00}. TILA requires clear and conspicuous disclosure of all fees and charges ( 15 U.S.C. 1601 et seq. ), and this lack of transparency prevented me from accurately settling the loan. Second, applying my {$20.00} payment to undisclosed fees instead of the remaining loan balancewithout my knowledge or consentfurther violates TILA by misrepresenting the payoff process and prioritizing hidden charges over the principal balance. 

I request that OneMain Financial correct this error, apply payments properly to close the account with no further charges, and refund any portion of my {$20.00} payment not applied to the loan balance. 

There is a recorded phone call on OneMain Financial XXXX from number XXXX at XXXX AM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company has no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was notified by Midland Credit Management that I had a debt due from me. They listed themselves as the original creditor. I have never signed any contract with them, and I do not know how they obtained my information for a debt that is unknown to me. I reached out to them through XXXX XXXX because I was not aware of any debt that was owed to them from me. They proceeded to initiate an open account that was opened by me on XX/XX/year>2024. I never signed a contract with them or any type of paperwork that signified any debt originating from them as the creditor. With the outstanding balance owed of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4300.00} ). I would like an investigation that showed any proof of the original contract that i signed to establish this credit to Midland Credit Management. I haven't signed anything or received any accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to contact me after receiving my cease and desist request. 
I sent Portfolio Recovery Associates a written cease and desist letter via certified mail with return receipt, instructing them to stop all phone communications with me regarding an alleged debt. 
Despite receiving my request, they continue to call me. 
I have documented these repeated calls and believe Portfolio Recovery Associates is engaging in harassing and unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I recieved a collection notice in the amount of {$97.00} from XXXX XXXX for XXXX XXXX  that I never recieved from XXXX XXXX and XXXX XXXX. The service date was from XX/XX/XXXX, for an amount of {$160.00}, which is dentical to a recent bill from a service date that was for a legitamate service from XXXX XXXX of Florida, for a procedure I had done in XXXX of XXXX. 
I have never heard or seen any bills from XXXX XXXX and XXXX before. I keep up with my credit and identity safety with XXXX XXXX and have no marks on my history to show that they have been trying to collect this amount from me over the past three years, until now. 
After researching XXXX XXXX and XXXX, I have found numerous complaints of fraud about billing practices suspect this is also fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
TransUnion has not removed accounts from my credit report that are not mine ( identity theft ). Chatted with XXXX at TransUnion today, she said she would put in dispute, however, TransUnion has done this before and are not investigating properly, just using the XXXX XXXX to do it. The accounts are -two with XXXX XXXX XXXX XXXX , and two with XXXX XXXX XXXX XXXX Neither company can provide an original contract signed by me. This violates my rights under the Fair Credit Reporting Act. I demand these be removed from my credit report! This complaint goes with my complaint id 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 2025-03-21 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: IL

Complaint narrative:
Detailed Statement Describing Fraudulent Activity and Affected Accounts To Whom It May Concern, I am writing to formally dispute and request the blocking and deletion of fraudulent accounts and inquiries that have appeared on my Equifax credit report. I am a victim of identity theft as a result of the Equifax data breach, and I did not authorize or initiate the following activities : XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XX/XX/XXXX These accounts and inquiries were opened or initiated without my authorization. I request that Equifax immediately block and remove these fraudulent records from my credit file, as permitted under 15 U.S.C. 1681c-2 ( a ).

I have enclosed a copy of my government-issued identification and, if applicable, a police report or identity theft report for further verification. Please confirm in writing once these fraudulent items have been removed from my report. If additional information is needed, I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AL

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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