vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Diaz & Associates, Inc.
State: GA

Complaint narrative:
Starting XX/XX/year>, I began receiving multiple calls, texts, and voicemails from someone named XXXX claiming to be from Clear Recovery Services. He was trying to collect a debt allegedly tied to XXXX XXXX. I asked him to validate the debt and to send all communications in writing. He sent a vague email from a sender called XXXX, which lacked any proper validation. I never received formal written notice before the calls began, and while the communication started off calmly, it quickly became aggressive including threats to take me to a XXXX XXXX and damage my credit via voicemail. 

Out of caution, I began investigating the debt myself. XXXX XXXX responded and confirmed in writing that they sold the account to XXXX XXXX XXXX but also said they have no documents or account details related to me. However, on both my XXXX  and XXXX  credit reports, the debt is listed under XXXX XXXX XXXX, which is a completely different agency. 

Meanwhile, Clear Recovery Services ( where XXXX works ) does not appear anywhere on my credit reports, yet they are actively attempting to collect which raises serious red flags. I have mailed a certified debt validation letter to XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, and a cease-and-desist letter to Clear Recovery Services. As of today, I have not received proper validation from any of them. 

I have saved evidence including text messages, emails, call logs, and voicemails showing Clear Recoverys repeated threats and pressure tactics to force me into a payment without legal proof. I also have a documented history of identity theft, so I am being extremely cautious and have repeatedly asked for validation before making any payments, as is my legal right under the FDCPA.

This situation is confusing, aggressive, and suspicious. I do not know who legally owns the debt, and I will not be intimidated into paying anyone who refuses to prove that I owe it. Im asking the CFPB to investigate and ensure these companies stop contacting me unless and until proper documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I contacted Bank of America to have my name removed from my XXXX son 's checking account. Instead of removing my name, they linked my debit card to his account without my authorization which caused a transaction of {$34.00} from XXXX XXXX in XXXX, IL to be processed out of my son 's account. His account did not have funds available to cover the transaction thus giving him a negative account balance of - {$31.00}. Upon contacting Bank of America on XX/XX/year>, they admitted the card was attached in error but refused to remove the transaction from his account because the card had been attached even though it was unauthorized. I was told that the transaction could not be disputed. I was also told that even though his card was not used and my card with not authorized to be attached he was responsible until I moved the appropriate funds into his account.

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 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to emphasize that this complaint is intentional and valid. My credit report includes inaccurate information that does not meet the required standard of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial stability and overall well-being. 
This situation is creating an unnecessary burden during an already challenging period in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( XXXX XXXX, and XXXX  ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting.

15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information.

FCRA Section 605B Entitles identity theft victims to block fraudulent items.

I am disputing the following accounts : 1.XXXX XXXXXXXX {$64.00} Opened XX/XX/XXXX 2.XXXXXXXX XXXX {$220.00} Opened XX/XX/XXXX 3.XXXXXXXX XXXX XXXX {$350.00} Opened XX/XX/XXXX 4.XXXX XXXX XXXX {$390.00} Opened XX/XX/XXXX 5.XXXX XXXX XXXXXXXX {$560.00} Opened XX/XX/XXXX 6.XXXX XXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation.

I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ).

These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( XXXX XXXX, and XXXX  ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting.

15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information.

FCRA Section 605B Entitles identity theft victims to block fraudulent items.

I am disputing the following accounts : 1.XXXX, XXXX {$64.00} Opened XX/XX/XXXX 2.XXXX XXXX  {$220.00} Opened XX/XX/XXXX 3.XXXX XXXX XXXX {$350.00} Opened XX/XX/XXXX 4.LVNV FUNDING LLC {$390.00} Opened XX/XX/XXXX 5.XXXXXXXX XXXX XXXX {$560.00} Opened XX/XX/XXXX 6.XXXX XXXXXXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation.

I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ).

These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-29 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 am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a denied fraud claim by Bank of America ( Claim # XXXX ) related to a {$3500.00} unauthorized transfer from my savings account ending in XXXX. 

I was the victim of a scam by someone impersonating XXXX, the company I work for. This individual contacted me under the pretense of being a support representative and, through deception, convinced me to provide account credentials. They then accessed my account and transferred {$3500.00} without my authorization or consent. As soon as I realized the fraud, I went in person to Bank of America and asked for help stopping the transfer. Despite this, the transfer was processed, and I later received a denial of my claim. 

Bank of Americas denial letter states that because I provided account access credentials, the transaction is considered authorized. However, under Regulation E ( Electronic Fund Transfer Act ), this transaction is still unauthorized because I did not authorize or intend for these funds to be transferred. The regulation clearly protects consumers from unauthorized transfers, even if the fraudster gained access through deception. 

I am requesting that CFPB review this case and compel Bank of America to follow Regulation E by reimbursing the {$3500.00}. I have attached a copy of the denial letter for reference.

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 2025-05-29 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: LA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-05-29 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: LA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-29 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Im extremely upset that I received a letter in the mail saying the address to my savings account has been changed. I am the custodial owner of the account w the child ( minor ) Immediately I was alarmed bc I didnt change any address. SouthState told me a woman came in with her daughter asking to change the address on the daughters account. Apparently this was done without any verification or ID. Clearly this person came in to the bank w a plan to pretend she was the account owner w the child. Im extremely upset the bank has allowed this to happen! Good thing there was no money in the account at the time this happened. The bank is saying that they didnt give any account information, or statements to this person. Meanwhile, they allowed an address change to ppl the account doesnt belong to!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
NOIT A DPULICATE I am filing this complaint against Santander Bank N.A. for continuing to furnish derogatory and disputed account information to XXXX, and possibly other consumer reporting agencies, without responding to or acknowledging multiple dispute requests submitted by me directly and through CFPB channels. 

Despite initiating multiple dispute attempts including a formal request for deletion and documentation XXXXantander has not acknowledged a single dispute, has provided no verification or reinvestigation results, and has refused to engage in any communication whatsoever. This failure to respond violates several provisions of the Fair Credit Reporting Act, including : FCRA 611 ( a ) Failure to investigate a consumer dispute and provide results FCRA 623 ( a ) ( 3 ) Continuing to furnish disputed information without marking it as such or verifying it Santanders continued silence, refusal to investigate, and lack of any documentation justifying the reporting of this account is harming my ability to open bank accounts and is causing financial and reputational harm. My ChexSystems report remains negatively impacted, and no explanation has been provided for this entrys continued presence.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have obtained a drivers license and a Social Security card, and I recently decided to check and start building my credit score. While reviewing my credit report, I noticed an unfamiliar entry that concerns me from trans union. It shows an unknown address, a misspelling of my name, and a fraudulent transaction date. ( XX/XX/year> ) This is negatively affecting my credit score, and I would like to have this issue of identity theft resolved immediately. Thank you.

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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
A written request [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ], in which I formally requested validation of the alleged debt as well as the original signed contract associated with this account. Per the Fair Debt Collection Practices Act ( FDCPA ), I asked for the following : - Verification of the debt amount - The name of the original creditor - A copy of the original contract or agreement bearing my signature - How the debt is validated To date, I have not received a response or the requested documentation. Under the FDCPA, a debt collector must cease collection activity until proper validation is provided. Continuing to report this unvalidated debt to the credit bureaus may be a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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