vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-04-18 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: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX Failure to Validate Debt & False Verification Reporting to Experian To Whom It May Concern, I am filing this complaint regarding Portfolio Recovery Associates ( PRA ) and their failure to validate alleged debts they are reporting to my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Summary : On XX/XX/year>, I sent XXXX XXXX XXXX a formal validation and assignment demand regarding the following accounts they are reporting to my consumer credit report : Account # XXXX | Balance : {$3400.00} Account # XXXX | Balance : {$1200.00} Account # XXXX | Balance : {$870.00} My Request : Pursuant to 15 U.S.C. 1692g ( b ) and UCC 9-404, I requested that XXXX provide XXXX 1. A valid assignment contract showing they had legal authority to collect these debts ; 2. The original signed agreements between myself and the original creditor ; 3. Proof of purchase amount ; 4. A detailed account history substantiating the amounts claimed. 
I clearly informed XXXX that a bill of sale or generic billing statement would not satisfy the legal requirements under FDCPA and UCC case law including FTC XXXX XXXX XXXX XXXX 
XXXX 's Response and Violations : XXXX XXXX failed to provide any of the requested documentation. Despite their failure to validate, I discovered through my Experian credit report that all three accounts were verified as accurate following my dispute. This constitutes : Violation of FDCPA, 15 U.S.C. 1692g ( b ) PRA failed to cease collection activity or properly validate the debt upon dispute.

Violation of FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) XXXX knowingly reported unverifiable and potentially inaccurate information to Experian.

Violation of UCC 9-404 XXXX did not show legal assignment or ownership of the debt. 
Relief Requested : I request that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX for repeated noncompliance. 
I request that these accounts be removed from all consumer reporting agencies until XXXX can fully validate the debts in accordance with federal law. 
I request confirmation that this matter will be reviewed under enforcement standards, as this is a repeated and serious violation of federal law. 

Thank you for your time and assistance in resolving 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 2025-04-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This account has already been confirmed by XXXX  as resulting from identity theft and does not belong to me. The previous collection agency that attempted to collect this bill was XXXX XXXX XXXX. 

Given that XXXX has acknowledged this account was fraudulently opened, I am requesting that it be immediately removed from my credit report across all credit reporting agencies. Please update your records accordingly and provide written confirmation once the account has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
This morning, I saw some incorrect accounts appear on my credit report, and I have no clue where they came from. I routinely review my report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary error, but the issue persisted. I kindly ask that the documents I submitted be reviewed carefully to ensure this doesn't become a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XX/XX/XXXX...... XXXX XXXX XX/XX/XXXX...... XXXX XXXX XX/XX/XXXX..... XXXX XXXX XXXX XX/XX/XXXX..... XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- .. XXXX XXXX XX/XX/XXXX...... XXXX XXXX  XXXX XX/XX/XXXX..... XXXX XXXX XXXX XX/XX/XXXX..... XXXX XXXX XX/XX/XXXX.... XXXX XXXX XX/XX/XXXX...... XXXX XXXX XX/XX/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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased XXXX XXXX from the company site on XX/XX/year> and chose to pay via paypal. I did not receive the product. I have opened a case with paypal who is now billing me for something I did not receive. I opened a case with my credit company who is refusing to pay for something I did not receive. 
the company responding on behalf of the seller is XXXX XXXX, who fails to resolve the issue. Paypal is saying they provided a loan for me to pay and continue to charge me though I don't have the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
The following accounts were not authorized by me. 

XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information unauthorized information which can not be verified. 

I must reiterate : stating verified without providing actual proof is not sufficient under federal law. If you can not produce legally valid verification and full documentation, I demand these accounts be removed from my credit file immediately. 

I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ohio XXXX Subject : Request for Removal of Written-off Debt from Credit Report Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing regarding the account associated with XXXX and to request the removal of the debt that was previously written off by XXXX XXXX XXXX as evidenced by the 1099-C form issued for this debt.

According to my records, the debt in question was discharged and canceled by XXXX XXXX XXXX, and I received a 1099-C form ( Cancellation of Debt ) for the tax year [ Year ] indicating that the debt was indeed written off. Under federal law, specifically the Internal Revenue Code, the cancellation of a debt is recognized as income for tax purposes, and the debt is no longer legally owed after it has been written off. 
Given that this debt was written off, I kindly request that you remove any reference to this debt from my credit report, as it no longer represents an active or valid financial obligation. The U.S. Fair Credit Reporting Act ( FCRA ) mandates that inaccurate, outdated, or unverifiable information must be removed from a consumer 's credit file. As the debt has been discharged and the 1099-C form has been filed, this should not appear in my credit history.

Please confirm in writing within 30 days that this debt has been removed or provide an explanation for any further action that may be needed on my part.

Thank you for your prompt attention to this matter. If you need any additional documentation, including the 1099-C form or other supporting materials, I am happy to provide them. 
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 2025-04-18 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: TX

Complaint narrative:
I have 12 hard inquiries being reported on my consumer report from TransUnion that should not be listed on my report. This is unauthorized information that is being reported in my report. I tried to contact the phone numbers that was given to me from Transunion but the numbers that was given to me seems to be a private number that belongs to a person and not a company and you can not leave a voice message in which I would not seeing that it sounded like a personal phone number. 

XXXX XXXX XXXX XXXX XXXX REPORTED 2 TIMES BUT SHOULD ONLY BE ON THERE ONCE FROM XXXX/XXXX/2024 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MISCELLANEOUS

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 2025-04-18 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: AZ

Complaint narrative:
There are multiple late payments listed on my account with XXXX Acct # : XXXX. I've already filed a dispute prior to filing this complaint with the credit bureaus to update these late payments pursuant to 15 USC 1666b. This is a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
There are multiple late payments listed on my account with XXXX Acct # : XXXX. I've already filed a dispute prior to filing this complaint with the credit bureaus to update these late payments pursuant to 15 USC 1666b. This is a billing error.

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 2025-04-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
THE COMPANY DOESN'T EVEN EXIST AT THAT ADDRESS ANYMORE THEY SOLD THE PROPERTY I am writing to dispute the debt you claim I owe to XXXX XXXX XXXX XXXX  in the amount of {$2800.00}. I request that you provide validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

After reviewing the documentation you provided, I noticed that the debt amount was reduced by {$1500.00} after I filed a complaint with the Consumer Protection Bureau. This reduction suggests that the original debt amount was inaccurate. 

I dispute the entire debt, as it appears to be based on fraudulent information. I request that you remove this debt from my credit report, as it is causing me harm. 

Please provide the following documentation to support the debt : XXXX. The original contract or agreement between me and XXXXXXXX XXXX XXXX XXXX 
2. Proof of my signature on the contract or agreement.

3. A detailed breakdown of the debt, including all charges and fees.

4. Proof of the debt 's validity and accuracy.

If you are unable to provide this documentation, I request that you remove the debt from my credit report and cease all collection activities.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report, I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed. I have submitted an FTC compliant reporting the information I am not familiar with. 

Please find attached a copy of My ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

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