vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

HARRIS & HARRIS LTD 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 2025-04-14 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
In XX/XX/year>2025, I discovered that autopay had been silently disabled on my Destiny credit card account following the companys transition to a new mobile app platform. This change occurred without any notice, consent, or alert to me as a cardholder. As a result, a {$12.00} fee ( on what was otherwise a {$0.00} balance ) went unpaidnot due to neglect, but because I had relied on the previously enabled autopay feature, which had worked consistently prior to the platform change. 

Despite the minor amount, Destiny reported the {$12.00} as a delinquency to the credit bureaus, which negatively affected my credit score. At no point was I notified of the fee or given a chance to resolve the balance before the delinquency was reported. 

I immediately contacted Destinys customer service for clarification and to dispute the charge. I was informed that Destiny has no claims, dispute, or injury department, and was told there was no formal process to investigate or resolve the issue. Despite this, Destiny later mailed me a notice stating an investigation was resolved, though they had previously stated that no investigation team existed. This contradiction raises serious questions about the legitimacy and transparency of their internal processes. 

This situation constitutes : Improper and undisclosed changes to account payment settings Failure to notify the consumer of a pending fee or potential delinquency Lack of access to a fair dispute or investigation process Misleading communications about internal procedures Disproportionate harm to my credit score over a negligible fee I am requesting that the CFPB investigate Destinys handling of customer accounts and credit reporting, and require them to : 1. Correct the credit bureau reporting and remove the delinquency 2. Remove the {$12.00} fee from my account 3. Provide clear documentation of how autopay was disabled without my consent 4. Establish or reveal a working dispute resolution process This mishandling has damaged my credit profile and undermined trust in Destinys services. I believe this constitutes deceptive and negligent business practices, and I urge the CFPB to take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I am submitting this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX  XXXX Balance XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-14 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2025-04-14 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:
This is my part two of my complaint. I'm attaching the FTC report as this complaint is a result of identity theft. I have several accounts that do not belong on my credit profile. These are three more accounts that are to be block and removed from my account. I'm sending this correspondence in good faith as my rights have been violated.

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 2025-04-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Investigation and Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally request the immediate investigation and removal of several fraudulent accounts that have been reported on my credit file with all three major credit reporting agencies : XXXX*Experian**, **TransUnion**, and **Equifax**. These accounts do not belong to me and appear to be the result of identity theft or fraudulent activity. 

Below are the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$9300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Amount : {$200.00} XXXX. XXXX Receivables Management** - Account Number : XXXX - Amount : {$1600.00} XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX - Amount : {$590.00XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX - Amount : {$1000.00} These accounts are **fraudulent** and were **not authorized by me*XXXX, XXXX XXXX III**. I request that the CFPB immediately investigate these matters and ensure these accounts are **permanently removed** from my credit profile. I am also requesting that all relevant documentation regarding these accounts be forwarded to me, including any supporting evidence that shows how or when these accounts were opened. 

Please confirm receipt of this complaint and notify me of any additional steps I need to take. I am requesting that this be addressed urgently, as these accounts are negatively impacting my credit report and financial well-being. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Investigation and Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally request the immediate investigation and removal of several fraudulent accounts that have been reported on my credit file with all three major credit reporting agencies : XXXX*Experian**, **TransUnion**, and **Equifax**. These accounts do not belong to me and appear to be the result of identity theft or fraudulent activity. 

Below are the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$9300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Amount : {$200.00} XXXX. XXXX Receivables Management** - Account Number : XXXX - Amount : {$1600.00} XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX - Amount : {$590.00XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX - Amount : {$1000.00} These accounts are **fraudulent** and were **not authorized by me*XXXX, XXXX XXXX III**. I request that the CFPB immediately investigate these matters and ensure these accounts are **permanently removed** from my credit profile. I am also requesting that all relevant documentation regarding these accounts be forwarded to me, including any supporting evidence that shows how or when these accounts were opened. 

Please confirm receipt of this complaint and notify me of any additional steps I need to take. I am requesting that this be addressed urgently, as these accounts are negatively impacting my credit report and financial well-being. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
ALL THESE ACCOUNTS WERE NOT VERIFIED CORRCTLY BECAUSE ITS STILL ON MY ACCOUNT ALSO, THEY FAILED TO INFORMED ME OF THE ACTUAL SOURCE OF FURNISHED DATA, I ALSO PROVIDED THE LAST TWO LETTERS I SUBMITTED TO BUREAUS TO FIXED THIS ISSUE, MY REPORTING DATES ISN'T MATCHING THROUGHOUT ALL 3 BUREAUS CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Attempted to use an AmEx prepaid card in order to make purchases at several vendors including XXXX, XXXX, XXXX, XXXX. These vendors are advertised to accept AmEx cards but rejected the pre paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Fraudulent Items on Credit Report Due to TransUnion Data Breach Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are fraudulent as a result of the recent TransUnion data breach. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 



Upon reviewing my credit report, I have identified several accounts and inquiries that I did not authorize. It is my understanding that the TransUnion breach exposed personal data, including mine, which may have led to the fraudulent activity appearing on my credit report. 



Details of Dispute XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts listed below are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were neither opened by me nor do I recognize the associated transactions. I have already filed a fraud report with the appropriate authorities and am working with TransUnion and the other credit bureaus to address these fraudulent entries. 



Given the nature of this breach, I kindly request that the CFPB assist in investigating these fraudulent items and help ensure Proof of validating these accounts with original contracts with wet signature or, their removal from my credit report. I am ready to provide any supporting documentation, such as identity theft reports or correspondence with TransUnion, should that be necessary. 



Thank you for your attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Information contained in my credit report has been shared with creditors and employers without my permission according to FERA section 605B its illegal to report anything on my credit report without my permission please have negative items removed as well as outdated items over 7 years old.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Information contained in my credit report has been shared with creditors and employers without my permission according to FERA section 605B its illegal to report anything on my credit report without my permission please have negative items removed as well as outdated items over 7 years old.

Company response to consumer: Closed with explanation