vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Attn : Jefferson Capital Systems Original Creditors : XXXX XXXXXXXX XXXXXXXX XXXX account. {$1000.00} past due as of XX/XX/year> I am writing in response to your correspondence to claims that the debt referenced above has been validated. Your validation failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), as it did not provide sufficient evidence of the debts validity, your legal authority to collect it, or documentation proving my liability. 
Specifically, you have not provided : Proof of a signed agreement between myself and the original creditor, demonstrating that I consented to the terms of the debt. 
A complete purchase agreement ( or assignment/chain of title ) proving your companys legal ownership of this debt. 
Securitization documentation, including : The name of the securitization trust or SPV holding this debt. 
The date and terms of the securitization transaction. 
Proof that this debt was included in the securitized pool. 
Documentation showing how ownership rights were transferred to your company. 
Itemized accounting of the debt ( principal, interest, fees, payments ). 
Under the FDCPA and [ Your State Consumer Protection Law ], I demand the following : A copy of the original signed agreement bearing my signature, proving I entered into a contract with the original creditor. 
A copy of the purchase agreement ( or bill of sale ) between the original creditor and your company, including all terms, account numbers, and dates. 
Securitization records ( if applicable ), such as the pooling and servicing agreement, trust documents, and proof of assignment from the securitization trust to your company. 
Complete chain of title tracing ownership from the original creditor to your company. 
Until you provide this information : Cease and desist all collection activities, including calls, letters, credit reporting, or legal threats. 
Do not transfer or sell this debt, as you can not prove ownership or my liability. 
Legal Notice : The FDCPA requires you to provide verification of the debt, including proof of ownership and a signed agreement. Failure to do so voids your authority to collect. 
If you continue collection efforts without validating the debt, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursue legal action for FDCPA violations, including statutory damages of up to {$1000.00} per violation. 
You have 30 days from receipt of this letter to respond with the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OK

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 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 2025-03-25 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: RI

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 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 2025-03-25 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: RI

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 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Wrong information reported of someone with a similar name. Added funds caused issues.

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 2025-03-25 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: RI

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: VA

Complaint narrative:
U.S. Bank has sent me an Adverse Notice, when requesting a replacement card with a new set of numbers likely violating regulation Z

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
There are fraudulent accounts being reported 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
Consumer complaint received 2025-03-25 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a United States XXXX XXXX. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, California Real ID and my XXXX  XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

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 2025-03-25 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 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 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 2025-03-25 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: CA

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 2025-03-25 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: NY

Complaint narrative:
Both Experian and Equifax continue to report false and inaccurate information after I have provided proof of the inaccuracies. 

Equifax has fixed most issues however the wrong name remains. 

Experian has many names, address, and accounts that are not mine, they do not answer their phones, they do not respond to the mail. I need help getting this false information removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: P.S.C., Inc
State: WA

Complaint narrative:
To Whom It May Concern, Collection Agency PUGET SOUND COLLECTIONS IN Original Creditor Name ASSOCIATED EMERGENCY PHYSICIAN Address : PUGET SOUND COLLECTIONS IN XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date Assigned XX/XX/year> I am writing to formally request validation of the alleged debt your company is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, including documentation proving that your company has the legal authority to collect it. 

Specifically, I request the following : XXXX. The original creditors name, address, and account number. 
XXXX. A complete payment and billing history, including any itemized charges. 
XXXX. A copy of the original agreement that created the debt. 
XXXX. A copy of the assignment contract or documentation proving your companys legal right to collect this debt. 
XXXX. Proof that the statute of limitations on this debt has not expired. 
XXXX. A full breakdown of any interest, fees, or additional charges added to the original balance. 

Additionally, I would like to bring to your attention that at the time of this medical service, I had active state insurance and provided that information. Furthermore, I completed and submitted an application for financial assistance, yet I never received a response or an update regarding the status of my application. A copy of my submitted financial assistance paperwork is attached for your reference. 

Because this debt is now affecting my credit and financial standing, I demand a thorough review and resolution. If you are unable to provide the requested validation, including proof of assignment, I request that you cease all collection activities and remove this account from my credit report immediately. 

Please provide the requested documentation within XXXX days of receiving this letter. Failure to do so will be considered non-compliance, and I may take further action to protect my rights. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-03-25 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXX XXXX XXXX XXXX XXXX, which ended up being " serviced '' by Freedom Mortgage. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by Freedom Mortgage. This is fraud and is a felony.

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXX XXXXXXXX at all. My credit reports only reflect Freedom Mortgage XXXX XXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud.

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off.

6. The cost of the loan as provided by XXXX XXXX XXXX XXXX XXXXXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account is on my credit accounts twice with different accounts and different amounts XXXX said XXXX and the other said 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 2025-03-25 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: MD

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX my phone was stolen and there were no transactions made on my account since that date I purchased a new phone on XX/XX/XXXX and logged into my email and saw there were several transfers completed on my account early on the date of XX/XX/XXXX XXXX in the amount of XXXX dollars another in the amount of XXXX. The response they gave me was I did it which clearly didnt make since when I had to call them to gain access back to my account after XXXX pm when I saw the transfer receipts in my email. I was basically declined my money back and clearly it was fraud. I called the same day these funds could have been frozen and accounts could have been flagged the same they but they waited a week later. This is a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-25 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief