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

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am submitting this complaint to dispute an alleged debt of {$880.00}, which LVNV Funding LLC c/o Resurgent Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX ). 

I have no knowledge or recollection of opening or maintaining any account with XXXX XXXX XXXX  XXXX. I have also never received any documentation from LVNV Funding or Resurgent Capital that substantiates this alleged debt. Despite this, the account has been reported to the credit bureaus as a collection or charge-off account.

No contract, billing history, or itemized charges have been provided to support the legitimacy of this claim. I have not received a debt validation notice as required under FDCPA 1692g ( a ). Furthermore, this reporting has caused damage to my credit report and financial standing, and I believe it is being reported in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) for failure to ensure accurate and verifiable information.

There are also inconsistencies in the way this account is reported across the major credit bureaus including variations in status and payment history which further indicate the information being furnished is unreliable and possibly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I get at least XXXX calls a day from Comenity Bank ( now Bread Financial ) attempting to reach my mother about a debt she does not owe. Whoever owes the debt has the same name as my mother but she has told them several times it is not her. Not only have they continued to call both of us for years despite us telling them to stop, they now have MCM calling us as well. Each call is either from a different number or No Caller ID, making it impossible to block the calls.

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

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-04 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation Request Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced in your email dated XX/XX/2025, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly ask that you provide all the necessary documentation to substantiate your claim. Specifically, I request the following information 1. A copy of the original contract or agreement that verifies my obligation to pay this debt.

2. Documentation of all transactions, including itemized statements, showing how the amount claimed was calculated.

3. Any assignments or transfers of this debt, including proof of your legal authority to collect it.

4. Confirmation of the statute of limitations applicable to this debt.

5. Information regarding any insurance claims, securities, or other collateral filed on this debt, and whether a 1099 form was filed for the charge-off Please provide this information in writing within 30 days from the receipt of this letter. If you are unable to provide validation, I kindly ask that you cease any further collection activity and remove any negative reporting to credit bureaus related to this debt.

Thank you for your understanding and cooperation in this matter. Please direct your response to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
SOMEONE ADDED ME AS AN AUTHORIZED USER FOR CAPITAL ONE AND IM REQUESTING THAT THIS INFORMATION BE REMOVED FROM ALL PRIVATE AND PUBLIC RECORDS AS I DO NOT HAVE KNOWLEDGE OF THIS ACCOUNT WHICH VIOLATES FCRA 605B, ACCORDING TO THIS CODE FILING ALL FRAUDULENT INFORMATION MUST BE REMOVED IMMEDIATELY UNTIL INVESTIGATION IS COMPLETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: MOHELA
State: TX

Complaint narrative:
Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution

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

Complaint narrative:
I am writing to formally dispute the following account on my credit report. I believe the information provided is inaccurate, and I respectfully request further verification from the data furnisher ( creditor or lender ) to ensure the accuracy of the account information. 

Disputed Account : Account Name : LVNV Funding LLC Account Number : XXXX I have reviewed the results of your investigation into my dispute and noted that the disputed information was verified by the creditor or data furnisher. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method of verification used by the creditor or data furnisher in confirming the accuracy of this account. 

Please provide the following : Details of the Verification Process : Please provide me with information regarding how the data furnisher verified the accuracy of the disputed information.

Supporting Documentation : If available, please provide any documentation from the creditor or data furnisher showing how the disputed information was verified. This should include a signed contract, payment records, or other evidence that supports the data.

Clarification of the Verification Method : If the information was verified by the creditor or lender, please explain how this was done and whether any documents were provided to the CRA.

In accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following : Signed Contract/Agreement : A copy of the signed contract or agreement that reflects my obligation to the creditor. This should include the terms of the agreement, any applicable interest rates, fees, and the balance owed.

Verification of Debt : Please provide proof that the debt is valid, including : The account statements or documents showing how the amount owed was calculated.

Any relevant communication or notices related to the account.

Clarification of Payments and Charges : If the account reflects late payments, fees, or other charges, I request proof of payment history or an explanation of how those charges were applied to my account.

Evidence of My Responsibility for the Debt : If applicable, please provide documentation that verifies I am the responsible party for the debt. If this debt is not mine, I ask that it be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agency is required to investigate this dispute and provide a written response within 30 days. If the information can not be verified through the required documentation, I request that the disputed entry be removed from my credit report. 

Please provide the results of your investigation along with an updated copy of my credit report reflecting any changes within the required time frame. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not know why Truist bank reported me late my account has always been on auto pay since I started never removed it was a mistake on there end so they need to fix this. I have reached out several times and now Im forced to take legal action if they dont remove this late payment from my 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 2025-04-04 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:
Re : Dispute of Fraudulent Account - BSI FINANCIAL SERVICE [ Account Number - XXXX ] I am writing to formally dispute the account referenced above, which has been reported as a charged-off account on my credit report. I believe this account was opened fraudulently, and I am requesting an immediate investigation into the matter.0 I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently, please take the following actions : Remove any negative marks related to this account from my credit report. 

Ensure that the account is marked as " fraudulent '' or " account closed due to fraud. '' Provide me with written confirmation that this account has been cleared.

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 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since XX/XX/year> Ive been trying to email them and Call about creating an account to set up payments every month. My worry is that they are deliberately avoid consumers to build up interest as I have no method to even pay. The only number they have to do this ( XXXX ) XXXX is an endless loop of never reaching an agent to help which takes over 2 hours, or being directed to their website where you cant create an account because their bills never send you a loan number to complete it.

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 2025-04-04 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: NC

Complaint narrative:
I am writing to formally request the removal of outdated and/or incorrect addresses from my credit report. The following addresses are no longer associated with me, and I kindly ask that they be deleted from my 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 2025-04-04 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: NC

Complaint narrative:
I am writing to formally request the removal of outdated and/or incorrect addresses from my credit report. The following addresses are no longer associated with me, and I kindly ask that they be deleted from my 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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX charged my American Express credit card on XX/XX/XXXX, without my authorization. I previously attempted to cancel my subscription in XXXX after realizing they had charged me without consent. I called their office, but nobody answered the phone, and I submitted a cancellation form on their website but received no response. I disputed the charge with American Express in XXXX ( see proof of dispute attached ), explaining that I had attempted to cancel but was unable to reach anyone at the company. AMEX denied my dispute. 

At that time, I explicitly asked AMEX to block all future charges from XXXX XXXXXXXX XXXX XXXX. However, I recently discovered that the same company charged me again in XXXX and again on XX/XX/XXXX. This is the third consecutive year that XXXX XXXXXXXX XXXX XXXX has charged my account, despite my clear cancellation attempts and my request that AMEX prevent further transactions. 

These ongoing charges are unauthorized. The company has not provided a functional way to cancel the subscription.

This situation is a violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires credit card issuers to conduct a reasonable investigation into disputed charges. It may also violate the FTC 's rules on automatic renewals, which require companies to clearly disclose terms, obtain express informed consent, and provide an easy way to cancel. XXXX XXXXXXXX XXXX XXXX failed to do any of this. 

Additionally, AMEX 's failure to block these charges after my XXXX request raises serious concerns. Under CFPB guidelines and general expectations of consumer protection, card issuers must take appropriate steps when a customer flags a merchant for unauthorized recurring transactions. 

I am requesting a full refund of the charges made by XXXX XXXX XXXX XXXX in XXXX, XXXX, and XXXX. That is {$240.00} for each year 3 times = {$740.00}. I also request an investigation into both the merchants behavior and AMEXs handling of my repeated disputes and instructions. 

This ongoing situation is unfair, financially harmful, and completely avoidable had AMEX and XXXX XXXXXXXX XXXX followed the law and industry standards.

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

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation