vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: FL

Complaint narrative:
THIS COLLECTION AGENCY ISNT LICENSED IN THE SATE OF FLORIDA NOR DOES BUSINESS WERE THE CONSUMER LIVE, ATTACHMENT SHOWS THIS AGENCY HAS NO LICENSE IN FLORIDA THEREFORE THEY CAN NOT REPORT TO MY CREDIT FILE. THIS IS A VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SC

Complaint narrative:
I am writing to formally file a dispute against XXXX regarding an account that has been fraudulently reported under my name. I am a victim of identity theft and did not authorize or initiate any business with this company. I have never had any relationship or agreement with XXXX nor did I authorize them to open or maintain any account in my name. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681g and 1681s-2, I requested verification of the alleged debt. To date, [ Company Name ] has failed to provide any documentation proving that I am the legitimate owner of the debt. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is obligated to report only accurate information, and they must investigate disputed information in a timely manner once notified. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ) and supported by guidance from the Federal Trade Commission ( FTC ), once a consumer submits a valid Identity Theft Report ( which includes an FTC report and a police report ), the creditor or furnisher is required to block the fraudulent information from the consumers credit report within four business days under 15 U.S. Code 1681c-2.

I submitted an Identity Theft Report and supporting documentation, and XXXX has failed to comply with this legal obligation. Their continued reporting of this fraudulent account is a violation of federal law and is causing harm to my credit and personal reputation. 

I am requesting the immediate removal of this account from my credit report and that CFPB take enforcement action to ensure XXXX  complies with all applicable laws. I also request confirmation that this dispute has been received and is under 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-17 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 am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
In XX/XX/year>, I placed an order with XXXX XXXX for new phones. I canceled the order the next day ( XX/XX/year> ), and XXXX confirmed the cancellation via email on XX/XX/year>. The devices were returned via XXXX and successfully delivered back to XXXX Texas facility ( Tracking # : XXXX ). XXXX refunded my taxes and down payment, confirming their acknowledgment of the canceled order. 

Despite this, I began receiving bills for the phones and service I never used or received. I made multiple calls to XXXX, who opened internal tickets and assured me the matter was being corrected and would not be sent to collections. 

However, XXXX ultimately sent the balance to collections with XXXX ( Transworld Systems XXXX ), and XXXX reported the account to the credit bureaus. I now have a damaging collections mark on my credit over a product and service I never received and which XXXX already confirmed was canceled and returned. 

I attempted to resolve this through XXXX support, but they continually rerouted me to the debt collector. XXXX, in turn, refuses to review or consider any of the documentation I've provided including the cancellation confirmation, refund, and XXXX tracking proving XXXX received the returned devices. 

This situation is causing me significant harm, including a lowered XXXX XXXX, financial stress, and emotional distress ( including panic attacks and missed work ). I filed a previous CFPB complaint and received a copy of a final bill as a response but that does not address or resolve the fact that this bill was issued in error and the order was never fulfilled. 

I am requesting that CFPB require : XXXX and XXXX to remove the collection from my credit reports. 

A full investigation into XXXX billing and cancellation processes. 

Documentation showing the basis for the collection, if XXXX still claims it is valid which I contest entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
Initially got an email stating an account was opened through XXXX XXXX and my email was changed, I then called and stated that was fraudulent. They said they'd close it. About a month later I'm getting statements and past due letter stating I owe funds on a credit card I never opened. They then said because my home address and phone number were used, that It was now my responsibility to pay. I tried explaining again my situation, they simply did not care and stated once again, the validity was based solely on my address and phone number, which is public information... whomever has my ss # to go along with this information has also tried to open a bank account with XXXX XXXX under my name, but failed since my credit is now frozen under all major buearus

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 2025-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: AL

Complaint narrative:
I am filing this complaint against Systems & Services Technologies Inc. ( SST ) for reporting late payments to the credit bureaus that I believe are in violation of the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ). 

SST has reported late payments on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I formally dispute the accuracy and legality of these derogatory marks based on the following : Billing Statement Delivery Requirement Violated : TILA and Regulation Z require that a creditor must send or deliver a periodic billing statement at least 21 days before the payment due date to impose a late fee or report a late payment to credit bureaus. 
I have never received confirmation or proof from SST that the required billing statements for the above-mentioned months were mailed or delivered in accordance with this XXXX rule. 

Damaging and Potentially Inaccurate Reporting : The continued reporting of these late payments has negatively impacted my credit score and financial standing. If SST can not prove they complied with federal disclosure timing, these late payments should be considered inaccurate and unlawful, and must be removed from my credit report under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am requesting the removal of incorrect and outdated names, addresses, and phone numbers from my credit reports. These inaccuracies are negatively affecting my credit profile and do not reflect my verified identity. 

The following incorrect names are currently being reported and should be removed : - 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 My correct legal name is XXXX XXXX XXXX. 

I also request the removal of any and all previous or incorrect addresses listed on my credit reports. The only valid address associated with me is : XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Additionally, I request the removal of any old or incorrect phone numbers that are no longer associated with me. My current phone number is : XXXX I have submitted a formal dispute to Equifax, Experian, and TransUnion along with supporting documentation : - Government-issued photo ID - Proof of current address - Social Security card Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I am exercising my right to have inaccurate personal information removed. I am requesting CFPB assistance in ensuring the credit bureaus comply and update my file accordingly.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am requesting the removal of incorrect and outdated names, addresses, and phone numbers from my credit reports. These inaccuracies are negatively affecting my credit profile and do not reflect my verified identity. 

The following incorrect names are currently being reported and should be removed : - 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 My correct legal name is XXXX XXXX XXXX. 

I also request the removal of any and all previous or incorrect addresses listed on my credit reports. The only valid address associated with me is : XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Additionally, I request the removal of any old or incorrect phone numbers that are no longer associated with me. My current phone number is : XXXX I have submitted a formal dispute to Equifax, Experian, and TransUnion along with supporting documentation : - Government-issued photo ID - Proof of current address - Social Security card Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I am exercising my right to have inaccurate personal information removed. I am requesting CFPB assistance in ensuring the credit bureaus comply and update my file accordingly.

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 2025-04-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). 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 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 2025-04-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX and Citibank N.A., doing business as XXXX XXXX XXXX, for repeated and unauthorized access to my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681s-2. Between XXXX XXXX XXXX XXXX XXXX CitibankXXXX XXXX XXXX made approximately 20 unauthorized soft inquiries on my credit report without my knowledge, consent, or any permissible purpose under federal law. These unauthorized pulls are clearly documented on my consumer disclosures. I disputed these inquiries directly with both XXXX and Citibank. XXXX failed to conduct a proper reinvestigation under 1681i, and Citibank falsely denied having made the inquiries despite the documented entries. Both parties are now liable for willful and negligent violations of federal law. As a result of this misconduct, I have suffered damages including stress, confusion, time loss, and increased scrutiny from creditors. This conduct is not only unlawful but repeated and blatant. I am demanding : Immediate deletion of all unauthorized inquiries from my XXXX  credit file ; A monetary resolution of {$20000.00} pursuant to 15 U.S.C. 1681n, based on willful violations ; Written confirmation from both XXXX  and Citibank that no further unauthorized access will occur. I am prepared to initiate legal action if this matter is not resolved immediately. I request that the CFPB investigate these repeated violations and assist in obtaining full relief as provided by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized : I have no knowledge of these accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized : I have no knowledge of these accounts 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

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 2025-04-17 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/year> SAM 's Club conducted a hard inquiry on my Equifax credit report. 
I requested SAM 'S Club to remove a hard credit inquiry on Equifax XXXX XXXX report on XX/XX/year>. 

The supervisor at the store told me that I should call Synchrony Bank. When I called Synchrony Bank, they said we don't see anything on our end. 

I contacted Equifax to remove it the inquiry. They said we need a fraud report from FTC, in order to do so. 

Please help me with this so that I could remove this fraud inquiry on my record. 

Thank in 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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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