vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX XXXX XXXX Professional Debt Mediation opened a collection on my credit report. 

Account XXXX XXXX  The amount is {$4100.00} I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to the alleged company.

15 USC 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. 

Please have this removed from all three bureaus. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Block of information resulting from identity theft. under section 605 B this should be removed within four days. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed.

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 2025-03-09 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account on my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt has been canceled and reported as taxable income on my IRS Form 1099-C, which I received from the creditor. Since the IRS considers this debt as forgiven and settled, it should no longer be reported on my credit report. 
Legal Basis for My Dispute According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since a 1099-C indicates debt cancellation, continuing to report this account with a balance is inaccurate and may be a violation of the law. 
Furthermore, income is not reported on credit reports, and because this debt was canceled and reported as taxable income on my federal tax return, it should not be reflected on my credit report. This inaccurate information must be removed immediately. 
Requested Action I am requesting that you update my credit report as follows : 1. Ensure that no income-related information appears on my credit report, as income is not reported by credit bureaus.

Supporting Documents Enclosed I have enclosed the following documents as proof of the cancellation : Copy of the 1099-C issued by the creditor Deadline for Response Under the FCRA 15 U.S.C. 1681i, you are required to investigate and respond within 30 days. If you fail to correct this inaccurate reporting, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please confirm the correction in writing and send me an updated copy of my credit report reflecting these changes. You may contact me at the information provided above if you need any further details.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This company Luxury Card, Barclays Bank Delaware XXXX XXXX, XXXX XXXX XXXX Charged my cc a {$490.00} subscription, with out notifying me. I never use this card, and they charged me this yearly charge, with out my authorization, then never sent me a bill for the {$490.00} so we I had no idea they were charging me the {$490.00}, and I have no bill, so I had no idea about the {$490.00}. They agreed to credit me the {$490.00} and cancel the card, but they still have damaged my credit report, and i am in the middle of an SBA loan, and they have done significant damage to my credit 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/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

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/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

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

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 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CO

Complaint narrative:
TO : CONSUMER FINANCIAL PROTECTION BUREAU VIKING CLIENT SERVICES , LLC XXXX XXXX Hello, I'm writing AGAIN to dispute the referenced item. I had been dealing with someone at XXXX named XXXX XXXX, and I thought the issue had been resolved. 

There was no damage to the vehicle when I returned it. Despite my repeated requests, no one at XXXX could produce any evidence that it was damaged. 

I returned the vehicle at XXXX on XX/XX/year> to XXXX XXXX. My receipt indicates the time it was returned, the amount of gas in the tank, the miles driven, and no mention of any damage. However, I was contacted XXXX weeks later asking for a credit card payment. I initially thought it was some kind of scam because I had no idea what they were talking about. 

As I've stated repeatedly, I will gladly pay if anyone can show me the video/picture of the damage when I returned the car. The damage to the window would have been easily visible had it been there when the car was returned. XXXX clearly would have multiple videos of the return area, and we know the precise time the vehicle was returned to the airport. This is not an unreasonable request on my part. I'm certain if someone showed up to your office saying you owed them {$600.00}, you would expect some substantial documentation to support their claim. 

I have been playing phone/email tag with XXXX XXXX for over XXXX  months, and he seems to have XXXX interest in resolving the issue. I'm hoping some will make a little effort, and stop wasting my time as well as yours. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC
State: CA

Complaint narrative:
I am reaching out to dispute the validity of the debt reported by your agency and to request immediate validation of the debt, along with the correction of any inaccuracies in credit reports sent to the credit bureaus. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : XXXX Having recently reviewed my credit report, I came across an account allegedly under your collection. After meticulous examination, I have grounds to believe that inaccuracies exist in the debt reporting. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to debt validation. kindly request your agency provide me with the following details : - Verification of the claimed debt amount, with a detailed breakdown of interest, fees, and charges. 
- Copies of documents proving my liability for this debt, such as the signed agreement or contract with the original creditor. 
- Confirmation of your agency 's legal authority to collect this debt on behalf of the original creditor. 
I also request a halt to all collection activities, inclusive of any reporting to credit bureaus, until the requested debt validation is furnished. 
Please acknowledge that the erroneous reporting of this debt is adversely impacting my creditworthiness and causing significant harm. In line with the FCRA, I dispute the accuracy of this debt and urge you to rectify any misleading information reported to the credit bureaus. 
I anticipate your agency to thoroughly investigate the disputed debt and furnish the requested validation within 30 days of receiving this letter. Failure to validate the debt or correct the inaccurate reporting within the specified timeline will prompt me to exercise my rights under the FDCPA and FCRA, pursuing all legal remedies available to safeguard my interests. 
Kindly communicate with me via written correspondence and send all related documents by certified mail with return receipt requested to maintain a documented record of our interactions. 
Your immediate attention to this matter is appreciated. I await a prompt resolution and the restoration of accurate credit reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am writing to formally dispute the conduct of Experian, Equifax, and Transunion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which mandates the proper handling of consumer credit information, and 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon a dispute. 

I have submitted multiple disputes to Experian, Equifax, and Transunion concerning inaccurate information appearing on my credit report, yet they have failed to conduct a thorough investigation as required by law. Instead, I have received boilerplate responses and perfunctory rejections without any substantial review of the evidence I provided. This behavior constitutes a willful violation of the FCRA and demonstrates a blatant disregard for consumer rights.

As per 15 U.S.C. 1681n, I am entitled to pursue legal action against Experian, Equifax, and Transunion for their failure to comply with the FCRA, and I am prepared to escalate this matter by seeking statutory and punitive damages for their reckless and negligent actions. 

To resolve this matter, I demand the following actions : A full and proper reinvestigation of the disputed items.

Immediate deletion of any unverifiable or inaccurate information. 

A detailed report explaining the methods used in their previous investigation. 

Compensation for the harm caused due to their failure to comply with the FCRA. 

If Experian, Equifax, and Transunion do not comply with these demands, I will have no choice but to pursue legal action, including filing a lawsuit for damages and reporting these violations to regulatory agencies. 

Please respond within the legally required timeframe of 30 days, as mandated by the FCRA. Failure to comply will result in further legal recourse.

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 2025-03-09 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:
I am writing to formally dispute the conduct of Experian, Equifax, and Transunion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which mandates the proper handling of consumer credit information, and 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon a dispute. 

I have submitted multiple disputes to Experian, Equifax, and Transunion concerning inaccurate information appearing on my credit report, yet they have failed to conduct a thorough investigation as required by law. Instead, I have received boilerplate responses and perfunctory rejections without any substantial review of the evidence I provided. This behavior constitutes a willful violation of the FCRA and demonstrates a blatant disregard for consumer rights.

As per 15 U.S.C. 1681n, I am entitled to pursue legal action against Experian, Equifax, and Transunion for their failure to comply with the FCRA, and I am prepared to escalate this matter by seeking statutory and punitive damages for their reckless and negligent actions. 

To resolve this matter, I demand the following actions : A full and proper reinvestigation of the disputed items.

Immediate deletion of any unverifiable or inaccurate information. 

A detailed report explaining the methods used in their previous investigation. 

Compensation for the harm caused due to their failure to comply with the FCRA. 

If Experian, Equifax, and Transunion do not comply with these demands, I will have no choice but to pursue legal action, including filing a lawsuit for damages and reporting these violations to regulatory agencies. 

Please respond within the legally required timeframe of 30 days, as mandated by the FCRA. Failure to comply will result in further legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am writing to formally dispute the conduct of Experian, Equifax, and Transunion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which mandates the proper handling of consumer credit information, and 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon a dispute. 

I have submitted multiple disputes to Experian, Equifax, and Transunion concerning inaccurate information appearing on my credit report, yet they have failed to conduct a thorough investigation as required by law. Instead, I have received boilerplate responses and perfunctory rejections without any substantial review of the evidence I provided. This behavior constitutes a willful violation of the FCRA and demonstrates a blatant disregard for consumer rights.

As per 15 U.S.C. 1681n, I am entitled to pursue legal action against Experian, Equifax, and Transunion for their failure to comply with the FCRA, and I am prepared to escalate this matter by seeking statutory and punitive damages for their reckless and negligent actions. 

To resolve this matter, I demand the following actions : A full and proper reinvestigation of the disputed items.

Immediate deletion of any unverifiable or inaccurate information. 

A detailed report explaining the methods used in their previous investigation. 

Compensation for the harm caused due to their failure to comply with the FCRA. 

If Experian, Equifax, and Transunion do not comply with these demands, I will have no choice but to pursue legal action, including filing a lawsuit for damages and reporting these violations to regulatory agencies. 

Please respond within the legally required timeframe of 30 days, as mandated by the FCRA. Failure to comply will result in further legal recourse.

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