vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts include a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a telephone account opened at XXXX on XX/XX/XXXX under account number XXXX, a secured credit account opened at XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX. These unauthorized accounts have also triggered multiple fraudulent hard inquiries and collections that are damaging my credit profile. I hereby demand the immediate removal of all listed fraudulent accounts, inquiries, and related collections from each of my consumer credit reports and request that all collection activity pertaining to these items cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-01 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: NY

Complaint narrative:
A fraudulent account was opened with my identity. My original dispute was investigated resulting in the creditors removing the fraudulent debt from my report. This particular credit furnisher ( XXXX ) has now sold the fraudulent debt to a credit collections agency ( XXXX XXXX ) whom is now illegally reporting the fraudulent debt to my consumer credit reports again. I have attached a pdf file combining the original documents along with an updated Police report and screenshot photos of the date the original debt was removed from my reports. XX/XX/year> 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a XXXX on XX/XX/XXXX I was in the hospital until XX/XX/XXXX and all my money was took out my account! I contacted my bank and told them they said that I was in use of my card, but how when I was in the hospital. Until XXXX so I just got me a lawyer and were in the process of suing discover, about my money and they closed my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
b'I never live at said addresses honestly cant even afford them reported fraud and requested fraud paperwork'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in the XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ) reported on my credit file. 

Upon reviewing two versions of my credit report, I noticed the following discrepancies : Status Update and Balance Dates Conflict : One report shows a balance updated on XX/XX/XXXX, while another lists it as XX/XX/XXXX. 

The " Status Updated '' field differs as well, being XX/XX/XXXX in one report and XX/XX/XXXX in another. 

Inconsistent Payment History : The XX/XX/XXXX payment history differs : one report lists XXXX  days late, another shows XXXX  days. 

XX/XX/XXXX differs as well : one shows a charge-off ( CO ), the other shows XXXX days late. 

XXXX payment statuses for XXXX and XXXX differ : one shows on-time, the other shows XXXX and XXXX days late, respectively. 

XX/XX/XXXX is marked in one and ND in the other. 

These inconsistencies could negatively impact my credit standing. I respectfully request that the inaccurate or conflicting data be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation once this dispute has been resolved. I have attached screenshots showing the discrepancies for your reference. 

Thank you for your attention to this matter. 

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Dear CONSUMER ADJUSTMENT CO, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 15 days, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-01 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: LA

Complaint narrative:
On XXXX I sent a second letter regarding inaccurate and unknown things on my credit report. It has been nearly 60 days and I have yet to receive a response. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's been nearly 60 days so they should be deleted or updated promptly. I demand these accounts be updated and/or deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX I sent a second letter regarding inaccurate and unknown things on my credit report. It has been nearly 60 days and I have yet to receive a response. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's been nearly 60 days so they should be deleted or updated promptly. I demand these accounts be updated and/or deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

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 2025-05-01 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: MA

Complaint narrative:
I am filing this complaint against TransUnion for continuing to publish false, misleading, and incomplete information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

TransUnion is currently reporting multiple derogatory tradelines that have been disputed, including : A XXXX XXXXXXXX XXXX account showing XXXX delinquency and 119 % overutilization, with misreported payment history. 

A XXXX XXXX XXXX XXXXXXXX XXXX  secured account reported at 145 % utilization and marked 30 days late, despite no payment since XX/XX/year>. 

A XXXXXXXX XXXX account ( XXXX  ) that was paid in full and closed in XX/XX/year>, yet still shows a XXXX late payment from XXXX. 

These errors remain on my file despite formal disputes and demand letters to each furnisher. TransUnions failure to correct this information has resulted in ongoing credit damage, financial denials, and emotional stress. 

I am attaching my credit report and demand letters as documentation of these violations.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synovus Bank
State: MD

Complaint narrative:
I have stated to them on XX/XX/2025 To not contact me and to send all notifications in writing and I have been receiving calls non stop and threatening messages via voicemail and constant phone calls everyday several times throughout the day. 

I am filing a formal complaint against XXXX XXXX XXXX, which has been contacting me excessively sometimes multiple times a day and calling during inappropriate hours, including early mornings and late at night. This has caused undue stress and disrupted my daily life. Under the Fair Debt Collection Practices Act, I request that all further communication be conducted in writing only and that the harassing phone calls cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CO

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

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 2025-05-01 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: CO

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mediation Recovery Center
State: FL

Complaint narrative:
On XX/XX/year>, I returned a missed call from Mediation Recovery Center ( MRC ). During the call at approximately XXXX XXXX, a representative disclosed my full Social Security Number aloud without verifying my identity or having my consent.

.When I expressed concern about this breach of privacy and asked the agent to lower their voice, they began yelling at me, then hung up on the call. I immediately called back, and we continued to argue as the agent kept screaming. This escalated my stress to the point where I reacted emotionally and insulted the representativewhich I do not condone but occurred due to extreme distress.I called again and reached a different representative. I was still upset and asked about the disclosure, but that call also ended abruptly after more tension. 
On the fourth call, I was finally connected to a male representative, and I asked to speak with a manager. The manager I spoke with did not acknowledge the seriousness of the situation and instead discouraged me from reporting the incidentwhich made me feel even more violated, unsafe, and pressured into silence. This caused me serious emotional distress, as I have a past history of XXXX. Shortly after, the company closed the debt account suddenly without explanation. I believe MRC violated the Fair Debt Collection Practices Act by disclosing sensitive information and using intimidation. 
I am requesting an investigation and appropriate action be taken against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Equifax, I am writing to formally dispute the accuracy and validity of several items reported on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am requesting that you investigate and delete or correct the following entries : XXXX. XXXX XXXX XXXX XXXX Voluntary surrender is reported ; however, there are inconsistencies in the payment history and balance information that appear inaccurate or incomplete. Please conduct a full investigation and provide documentation. 
XXXX XXXX XXXX XXXX Two separate accounts are listed, both showing charge-offs or multiple late payments. I dispute the accuracy of these derogatory entries and request validation under 15 U.S.C. 1681i. 
XXXX XXXX XXXX The account shows late payments that I do not recall. Please verify and correct this information. 
XXXX. Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i and 1681s-2, you are required to conduct a reasonable investigation of these disputes. If you can not verify the information within 30 days, it must be deleted from my report. 

Please provide me with written verification of your findings and any documents used to verify these accounts. If no such documentation exists, these items must be removed immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: WA

Complaint narrative:
I do not recognize these accounts and they are hindering me form obtaining credit.

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 2025-05-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report a fraudulent collection account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX  on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge or consent and are the result of identity theft. I am a confirmed victim of identity theft, and my personal information was compromised in the widely publicized Equifax data breach. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I formally request that these fraudulent inquiries be blocked and permanently removed from my credit file. These inaccuracies are causing substantial harm to my creditworthiness and are impeding my ability to secure a mortgage loan. 

Please treat this matter with the urgency and seriousness it warrants. I have enclosed any supporting documentation necessary and am willing to provide additional materials upon request. 

Failure to investigate and correct these entries in a timely manner may result in further legal action.

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