vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in few fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in few fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number 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.

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 2025-03-27 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: SC

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Charge was disputed company sent back information that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good day, I cant emphasize enough how frustrating and exhausting this experience has been. Waking up to find a debt I know nothing about, completely unverified and not mine, is beyond belief. To make matters worse, Ive been subjected to relentless harassment across multiple communication channels, with threats of legal action that I never imagined Id have to endure. Its deeply insulting as a law-abiding citizen to have my consumer rights so blatantly disregarded. The emotional toll has been overwhelming, and the sleepless nights are taking a serious toll on my well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Account LVNV FUNDING LLC with a balance of {$2500.00} is not me. This is identity fraud, and i need assistance to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
The accounts listed below result of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldridge PIte Haan, LLP
State: CA

Complaint narrative:
Aldridge Pite Haan are trying to sue me for a debt to another company filed XX/XX/XXXX. Papers were served to someone else on XX/XX/XXXX. A week after papers served I got a letter stating to contact regarding settlement options dated XX/XX/XXXX. A week after that I got a letter date XX/XX/XXXX with no post mark claiming intent to sue. I have made several attempts daily to call this company regarding settlement and left many messages. Nobody answers and nobody calls back. If I wait on hold I get disconnected. Despite my repeated attempts to contact the company regarding the settlement offer they mentioned in letter the company continues not to communicate with me. This company has 1 star rating and is not credited by XXXX  and has numerous complaints for the same thing as well other questionable activity such as not honoring amounts and payments and changing amounts allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NE

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Please be informed that I have been impacted by a data breach, and I request the removal and blocking of unauthorized accounts and inquiries from my credit file, pursuant to 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX , Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} UNAUTHORIZED COLLECTION - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

Despite being fully informed that the account ( ending in XXXX ) is strictly a business credit card tied to a dissolved LLC ( XXXX XXXX XXXX XXXX ), XXXX  XXXX continues to report this account on my consumer credit report, including negative payment history. This is misleading and violates FCRA 1681s-2 ( b ) and 1681s-2 ( a ). 

XXXX XXXX responded previously that they needed authorization but have not addressed the substance of my dispute or conducted a reasonable reinvestigation. I submitted documentation proving this is a business account and should not affect my personal credit profile. 

I am requesting the CFPB intervene again to require XXXX XXXX to : Remove this account from my consumer credit report. 

Cease all reporting of this business account under my personal profile. 

Provide confirmation of deletion. 

I have also submitted a second-round dispute directly to XXXX XXXX as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

Despite being fully informed that the account ( ending in XXXX ) is strictly a business credit card tied to a dissolved LLC ( XXXX XXXX XXXX XXXX ), XXXX  XXXX continues to report this account on my consumer credit report, including negative payment history. This is misleading and violates FCRA 1681s-2 ( b ) and 1681s-2 ( a ). 

XXXX XXXX responded previously that they needed authorization but have not addressed the substance of my dispute or conducted a reasonable reinvestigation. I submitted documentation proving this is a business account and should not affect my personal credit profile. 

I am requesting the CFPB intervene again to require XXXX XXXX to : Remove this account from my consumer credit report. 

Cease all reporting of this business account under my personal profile. 

Provide confirmation of deletion. 

I have also submitted a second-round dispute directly to XXXX XXXX as required.

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 2025-03-26 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: FL

Complaint narrative:
I am filing a follow-up complaint regarding XXXX XXXX  failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

I am filing a follow-up complaint regarding XXXX XXXX failure to correct inaccurate reporting of a business credit card on my personal credit file. This is in reference to prior complaint ID # XXXX. 

Despite being fully informed that the account ( ending in XXXX ) is strictly a business credit card tied to a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX  XXXX continues to report this account on my consumer credit report, including negative payment history. This is misleading and violates FCRA 1681s-2 ( b ) and 1681s-2 ( a ). 

XXXX XXXX responded previously that they needed authorization but have not addressed the substance of my dispute or conducted a reasonable reinvestigation. I submitted documentation proving this is a business account and should not affect my personal credit profile. 

I am requesting the CFPB intervene again to require XXXX XXXX to : Remove this account from my consumer credit report. 

Cease all reporting of this business account under my personal profile. 

Provide confirmation of deletion. 

I have also submitted a second-round dispute directly to XXXX XXXX as required.

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 2025-03-26 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been dealing with a serious identity theft situation since XX/XX/2024. After discovering multiple suspicious items on my credit report, I found evidence of over 30 data breaches and five pastes containing my personal information ( SSN, addresses, etc. ) on the dark web. 

I sent certified documentation to all three credit bureaus ( Experian, Equifax, and TransUnion ), but they've been extremely difficult to work with. Despite having proof of delivery, they keep denying my disputes, possibly violating the Fair Credit Reporting Act by demanding bank confirmation of fraud before investigating. 

To make matters worse, someone just drained my XXXX card, forcing me to file an affidavit with XXXX. I also just learned about three more data breaches, including a major one on XXXX. This whole situation is incredibly frustrating and scary.

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 2025-03-26 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER CONSUMER USA is incorrectly reporting the auto loan as late payments and charge off. This account was paid in full due to a total loss of the vehicle. It is paid and closed, not written off. All the late pays are incorrect. I have sent numerous letters to Santander and they have failed to respond or correct my credit report. This is affecting my ability for future auto loans. Santander has been involved in illegal practices which is concerning.

Company response to consumer: Closed with explanation