vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MN

Complaint narrative:
I am writing to formally report that I have been a victim of XXXX XXXX. As a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize, open, or approve. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and demanding the immediate investigation, verification, and removal of the following accounts. 

Disputed Accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Collection account. {$490.00} past due as of XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Status : Account charged off. {$650.00} written off. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX and XX/XX/XXXX Status : Paid, Closed. 
( These are also being disputed due to potential identity misuse during student loan applications. ) Request for Immediate Action : Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : I am requesting the blocking and permanent deletion of these accounts from my credit report as they are the result of identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) : I am requesting full debt verification for each of these accounts. Unless you can produce original signed documentation proving I authorized or opened these accounts, they must be deleted.

FCRA 616 ( 15 U.S.C. 1681n ) : Please be advised that if any of these accounts are falsely verified and not removed, I reserve the right to pursue statutory damages of {$1000.00} per violation. 

Included Documentation : Copy of my government-issued ID Proof of current address Identity theft report ( police report and/or FTC Identity Theft Affidavit ) Requested Actions : XXXX. Immediately block and remove all fraudulent accounts and related inquiries. 
XXXX. Provide written verification and documentation for each account if you believe them to be valid. 
XXXX. Notify the original furnishers to cease all reporting of unverified information. 
XXXX. Send me an updated copy of my credit report once the investigation is completed and changes are made. 
XXXX. Provide written confirmation of your actions within XXXX business days of receipt of this letter. 

Failure to take action XXXX result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

Thank you for your prompt attention to this serious 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 2025-04-25 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: MN

Complaint narrative:
I am writing to formally report that I have been a victim of XXXX XXXX. As a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize, open, or approve. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and demanding the immediate investigation, verification, and removal of the following accounts. 

Disputed Accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Collection account. {$490.00} past due as of XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Status : Account charged off. {$650.00} written off. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX and XX/XX/XXXX Status : Paid, Closed. 
( These are also being disputed due to potential identity misuse during student loan applications. ) Request for Immediate Action : Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : I am requesting the blocking and permanent deletion of these accounts from my credit report as they are the result of identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) : I am requesting full debt verification for each of these accounts. Unless you can produce original signed documentation proving I authorized or opened these accounts, they must be deleted.

FCRA 616 ( 15 U.S.C. 1681n ) : Please be advised that if any of these accounts are falsely verified and not removed, I reserve the right to pursue statutory damages of {$1000.00} per violation. 

Included Documentation : Copy of my government-issued ID Proof of current address Identity theft report ( police report and/or FTC Identity Theft Affidavit ) Requested Actions : XXXX. Immediately block and remove all fraudulent accounts and related inquiries. 
XXXX. Provide written verification and documentation for each account if you believe them to be valid. 
XXXX. Notify the original furnishers to cease all reporting of unverified information. 
XXXX. Send me an updated copy of my credit report once the investigation is completed and changes are made. 
XXXX. Provide written confirmation of your actions within XXXX business days of receipt of this letter. 

Failure to take action XXXX result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery made negative reports on on my Credit file for two separate accounts claiming that I have an unpaid Charge-Off amounts for {$700.00} and {$730.00} respectively. 
I reached out to them by mail as per their address and information in my credit file and unfortunately, the mail was returned undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$48000.00} XXXX XXXX  # XXXX XX/XX/year> -- {$5700.00}

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
This company is reporting an invalid rental debt that is affecting my consumer credit reports. I never lived at this location and for over XXXX years this debt has affected my credit. The debt is invalid and no money is owed. This is not a valid debt or rental debt to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. the following alleged collection account is not only listed as having a past due balance of XXXX XXXX. This is violation of the FCRA and is in violation of requisite Metro2 Compliant reporting standards. According to the fair credit Reporting Act I have a right to a completely accurate credit report, and required to remove any information that is not true, verifiable and accurate.

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 2025-04-25 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-04-25 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: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-25 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: GA

Complaint narrative:
I am filing the FTC identity Theft Affidavit to report fraudulent accounts appearing on my consumer credit reports which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of ( XXXX XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA FDCPA laws.

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 2025-04-25 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: MOHELA
State: TX

Complaint narrative:
My personal and financial information was disclosed without my consent, a situation that runs contrary to the protections afforded under the Family Educational Rights and Privacy Act ( FERPA ), which mandates the confidentiality of student records. The unauthorized release of my information breaches your duty to protect it. Considering the gravity of this breach and its impact on my personal and financial privacy, I strongly urge you to completely cancel and forgive my student debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Last year my insurance left California market so I had to find new home insurance company my insurance ended XX/XX/XXXX so I got insurance on XX/XX/XXXX and freedom mortgage thats my lender and I dont have an XXXX  account with them told me that they got insurance for me because they claimed I did not have insurance for a few hours I have explain to them over the phone that there was not overlap so they say they were going to charge me XXXX dollars for that so I agreed to pay that but I just got a XXXX  bill from them of more than XXXX  when they have told me that the issue was resolved when I call they tell me that I dont owe anything and now they included a bill on my mortgage for XXXX when I dont have XXXX  with them and they are never very clear on what they tell me they dont answer the phone they dont give you clear information they confuse you and now they want to charge me for XXXX  when it is very unfair practice and deceiving

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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> COLLECTIONS USA INC XXXX XXXX XXXX Re : Cease Communication and Deletion Request under XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am formally requesting that you immediately cease all communication with me in accordance with my rights under the Fair Debt Collection Practices Act, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. Furthermore, I demand that you delete this account from all credit reporting agencies to which it may have been reported. 

I have reason to believe that this alleged debt is inaccurate, unverifiable, or otherwise not legally enforceable. If you can not provide complete and documented validation of the debtincluding a signed agreement, full accounting, and proof that you have the legal right to collectit must be removed from any credit reporting agency as reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue legal remedies for any continued collection activity or reporting of unverifiable debt. 

This is a final notice. Please consider this my formal request for you to cease all further contact and remove all references to this account from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$930.00}

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 2025-04-25 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$11000.00} XXXX  XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$26000.00} XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
The principal never goes down. I make the payments and they disappear because they don't record them and then they report late payments on my credit report. They take the money from the bank and say they will return it, but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00}

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 explanation
Consumer complaint received 2025-04-25 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-25 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: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or REMOVE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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