vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request and Cease & Desist Notice Dear XXXX XXXX XXXX XXXX  , I am formally requesting validation of the alleged debt associated with Account # XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statements alone are not sufficient evidence of a debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a mere statement does not satisfy the burden of proof. 

Therefore, I request that you provide the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
A detailed accounting of the debt, including all charges, interest, and payments made. 
Proof that the debt remains valid and collectible under applicable laws. 
Additionally, I am invoking my rights under the FDCPA and formally demanding that you cease and desist from all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, letters, or any other form of communication. 

Furthermore, this cease and desist request extends to any communication through consumer reporting agencies. As such, you must remove any entries related to this debt from all consumer reporting agencies immediately. 

If you fail to comply with this request, I will have no choice but to pursue legal action against you to enforce my rights under federal law. 

Please confirm in writing that you have received this request and that you will comply. 

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 non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX Balance : {$0.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. XXXX XXXX XXXX, XXXX, CA, 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 2025-02-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Well, first my information was incorrect on the credit site also my information was expose in the data breach of XXXX and XXXX so Im trying to figure out why is this information with these fraudulent medical bills credit reporting and repose that I never had a car was on there

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 2025-02-20 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: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( XXXX  ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to

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 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
Numerous of times I have asked this company for a response to my debt validation letter. Still nothing its been months but they keep reporting to credit bureau. I dont know what to do this debt dont belong to me I never had sprint before I had t-mobile since I was a kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several accounts and collection items that appear on my credit report but do not belong to me. After reviewing my credit history, I noticed multiple accounts that I do not know of, and I believe there has been a case of identity theft or misattribution. 

The disputed accounts include : XXXX. XXXX - XXXX ( Opened XXXX XXXX, XXXX ) I have no affiliation with this account. 
XXXX. XXXX - XXXX ( CLOSED ) This account never belonged to me. 
XXXX XXXX XXXX XXXX ( Opened XXXX, Balance : {$10000.00} ) REMOVE\ XXXX. XXXX XXXX XXXX ( {$610.00}, Debt Buyer Account ) I do not recognize this debt. 
XXXX. XXXX XXXX XXXX ( Closed XXXX, Collection : {$800.00} ) This does not belong to me. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX, {$94.00} ) and ( XX/XX/XXXX, {$1100.00} ) I have no record of these charges. 

Actions I Have Taken : I have reviewed my credit report and identified these inaccuracies. 
I am formally disputing these items as fraudulent and request an investigation. 
I request the immediate removal of these accounts from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several accounts and collection items that appear on my credit report but do not belong to me. After reviewing my credit history, I noticed multiple accounts that I do not know of, and I believe there has been a case of identity theft or misattribution. 

The disputed accounts include : XXXX. XXXX - XXXX ( Opened XXXX XXXX, XXXX ) I have no affiliation with this account. 
XXXX. XXXX - XXXX ( CLOSED ) This account never belonged to me. 
XXXX XXXX XXXX XXXX ( Opened XXXX, Balance : {$10000.00} ) REMOVE\ XXXX. XXXX XXXX XXXX ( {$610.00}, Debt Buyer Account ) I do not recognize this debt. 
XXXX. XXXX XXXX XXXX ( Closed XXXX, Collection : {$800.00} ) This does not belong to me. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX, {$94.00} ) and ( XX/XX/XXXX, {$1100.00} ) I have no record of these charges. 

Actions I Have Taken : I have reviewed my credit report and identified these inaccuracies. 
I am formally disputing these items as fraudulent and request an investigation. 
I request the immediate removal of these accounts from my credit history.

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 2025-02-20 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: DISCOVER BANK
State: FL

Complaint narrative:
False and/or inaccurate trade line on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
False and/or inaccurate trade line on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 will file a dispute with the relevant credit bureau immediately. I will systematically gather and submit all necessary supporting documents to substantiate my claim. This issue is severely affecting my finances and emotional well-being, which is completely unacceptable. It is imperative that they resolve these discrepancies promptly so I can regain control over 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 2025-02-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Credit Bureau Name [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following incorrect information. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a balance of {$540.00} Inaccuracy : The account is reported as a charge-off with a balance of {$540.00} still due, yet the balance is also noted as written off. A charged-off account should not still reflect a due balance, as charge-offs are categorized as losses by the creditor. This creates an inconsistency that violates FCRA guidelines regarding accurate reporting. 

I request that this error be corrected by either removing the charge-off status if the balance remains or updating the balance to {$0.00} if the charge-off stands. Please provide documentation verifying the accuracy of the reported information. 

Enclosed, I have included a copy of my credit report with the inaccurate information highlighted. If this information can not be verified within 30 days, I request its immediate deletion from my report per FCRA guidelines. 

Please confirm receipt of this dispute and provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1200.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$820.00}, XXXX XXXX Cont Account # : XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$350.00}, XXXX & XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$260.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 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 2025-02-20 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX I was a victim of a scam involving the purchase of XXXX {$500.00} American Express gift cards. I contacted AMEX immediately and advised them of my realization and asked them to cancel the cards before they were to be activated in 24 hours. They refunded only {$500.00} on XX/XX/XXXX but kept {$1000.00} stating they were investigating under following file numbers. 

XXXX. Card ending XXXX XXXX. Card ending XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX, debt collector bought a debt from XXXX other companies, and now demanding that I pay. The problem? I dont owe this {$2000.00}, now {$2600.00}, debt that I have proven I DO NOT OWE!! Now they have caused a dramatic decrease in my credit score due to the fact of sending this erroneous account to the Credit Bureaus. I hope that you will restore my character and demand all this stuff 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 2025-02-20 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: GA

Complaint narrative:
Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Information Pursuant to Section 605B of the FCRA XXXX XXXX XXXX Account # xxxxxxxx XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to dispute fraudulent information on my credit report that has resulted from the recent Equifax data breach. As a victim of this breach, I am requesting the removal of all fraudulent accounts or information listed under my name, in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Under Section 605B, I am entitled to request that any fraudulent information resulting from the breach be removed from my credit report within four days of this dispute. Therefore, I am requesting that you : 1. Immediately remove any fraudulent accounts, inquiries, or other information related to the Equifax breach from my credit report. 
2. Provide written confirmation that these entries have been removed in compliance with the law. 

As required by the FCRA, I ask that you process this dispute within the legally mandated four-day time frame. Please confirm in writing that these changes have been made and provide me with an updated credit report reflecting the correct information. 

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

Sincerely, XXXX XXXX SSC # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief