vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As of this notice, I demand that you stop all phone calls, letters, or any form of contact with me, including electronic communications.

I do not acknowledge this debt, and I am exercising my rights under the FDCPA to request that you cease all collection activities until you have provided validation of this debt. Furthermore, I have the right to be free from any further harassment, intimidation, or abuse during your collection efforts, as stipulated under 15 U.S.C. 1692d. Any violation of this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
Additionally, you are prohibited from contacting my employer, friends, or family members regarding this alleged debt as outlined in 15 U.S.C. 1692c ( b ), unless such communication is required by law.

If you believe that you have a valid claim regarding this debt, I request that you provide written verification of the debt, including the name of the original creditor and a detailed account statement pursuant to 15 U.S.C. 1692g ( b ). Until you comply with this request, any further collection activity on your part will be considered a violation of the FDCPA.

Be advised that I am keeping thorough records of all correspondence regarding this matter, including copies of letters and records of any phone calls, in case they are needed for any future proceedings. 
Thank you for your attention to this matter. I expect immediate compliance with my cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I am filing this complaint under FCRA XXXX ( XXXX XXXX XXXX ) to request that XXXX XXXX fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 

I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
As proof, I have attached my FTC Identity Theft Report. I expect XXXX to comply with the Fair Credit Reporting Act ( XXXX  ) and immediately block these fraudulent items from my report.

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 2025-03-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened XXXX XXXX XXXX fraudulent account on XX/XX/XXXX XXXX XXXX XXXX fraudulent account opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX as proof from the XXXX 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
[ 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 XXXXXXXX XXXX Subject : Dispute of Incorrect Account Status Reporting Dear Sir/Madam, I am writing to formally dispute the incorrect status of my closed account that has been reported on my credit report. Specifically, I have noticed that my account is showing a XXXX status since XX/XX/XXXX. This status is inaccurate and does not reflect the true standing of my account. 

The account in question was closed, and I have consistently worked to resolve any outstanding balance, yet the XXXX status persists on my credit report. I believe this entry is erroneous, and I request an immediate review and correction of the account status. If this XXXX designation is the result of an administrative error or other miscommunication, I ask that the account be deleted off my credit report to reflect the actual situation of the account. 

As this information is adversely affecting my XXXX XXXX and financial reputation, I request that you kindly investigate and resolve this matter as soon as possible. I would appreciate it if you could provide me with written confirmation that the status of my account has been corrected and that the updated information has been transmitted to the credit bureaus. 

Please find attached a copy of my credit report showing the disputed entry and any other relevant documentation that XXXX assist in the resolution of this issue. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation to process my request, I am happy to provide it. 

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 2025-03-20 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: MD

Complaint narrative:
[ 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 XXXXXXXX XXXX Subject : Dispute of Incorrect Account Status Reporting Dear Sir/Madam, I am writing to formally dispute the incorrect status of my closed account that has been reported on my credit report. Specifically, I have noticed that my account is showing a XXXX status since XX/XX/XXXX. This status is inaccurate and does not reflect the true standing of my account. 

The account in question was closed, and I have consistently worked to resolve any outstanding balance, yet the XXXX status persists on my credit report. I believe this entry is erroneous, and I request an immediate review and correction of the account status. If this XXXX designation is the result of an administrative error or other miscommunication, I ask that the account be deleted off my credit report to reflect the actual situation of the account. 

As this information is adversely affecting my XXXX XXXX and financial reputation, I request that you kindly investigate and resolve this matter as soon as possible. I would appreciate it if you could provide me with written confirmation that the status of my account has been corrected and that the updated information has been transmitted to the credit bureaus. 

Please find attached a copy of my credit report showing the disputed entry and any other relevant documentation that XXXX assist in the resolution of this issue. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation to process my request, I am happy to provide it. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: DE

Complaint narrative:
The company, System Servicing Technologies, has been calling me multiple times a day, every day every week, for unverified debts. They have been calling even after leaving messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT FILE, I HAVE ASKED FOR VALIDATION AND HAVE NOT RECEIVED IT. 

I DO NOT HAVE AN ACCOUNT BEARING MY SIGNATURE WITH XXXX ACCOUNT XXXX XXXX, XXXX  {$550.00}

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 2025-03-20 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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 2025-03-20 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: DISCOVER BANK
State: NY

Complaint narrative:
I recieved a collections on my credit report a couple years ago RANDOMLY! I then call discover bank and tell them this was fraud! Charges were across state borders that I do not go in/have not been to! Discover Bank says that they will remove the charges. The derogatory account get removed, and THEN TODAY THE ACCOUNT COMES BACK and im down XXXX points on all credit scores on all bureas!!!!! PLEASE HELP THIS IS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
XXXX has removed the information from my credit report due to the data breach which my information was exposed and I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA XXXX this information must be blocked within XXXX  days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
They continue use of the name is in violation with the copyright and trademark contract discontinue using the name or legal actions will follow

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint against TD Bank for its failure to refund my checking account balance in a timely manner after the bank unilaterally closed my account. Despite my repeated efforts to resolve this issue, I have not received the promised refund check for my checking account funds. 

XXXX XXXX On XX/XX/year>, TD Bank unilaterally closed my account without receiving any prior notice. 
On the same day, I discovered that my billing address did not match the address on record with the bank. I immediately informed a branch employee of this discrepancy. However, the branch employee was not able to make any change to my account information given my account has been deactivated. 
The branch employee sent an email to the relevant department to address the issue, but to date, I have not received any response. I was also trying to contact the relevant department through phone calls, and I also have not received any response. 
Although I have received a check for my savings account balance, I have not received the refund check for my checking account balance, even after waiting for more than XXXX weeks. 
I have made multiple attempts to follow up with the bank, but I have been unable to reach the department responsible for handling my case. The branch staff has also been unable to provide any support or updates. 

Please review my complaint and assist me in protecting my rights. I am prepared to provide supporting documentation, including bank communications and transaction records, upon request. 

Thank you for your attention and assistance. Please feel free to contact me if further information is needed. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
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 explanation
Consumer complaint received 2025-03-20 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: GA

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 2025-03-20 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: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Research Inc
State: SC

Complaint narrative:
I have received a letter for a XXXX XXXX XXXX XXXX a bill for around {$4000.00} a little less and I did not take out the student loan

Company response to consumer: Closed with explanation