vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Date : * * [ Insert Date ] * * Subject : * * Complaint Regarding Unauthorized Collection Account Reported by TransUnion * * Your Information : * * - * * Name : * * XXXX XXXX - * * Address : * * XXXX XXXX XXXX XXXX IL - * * Phone Number : * * XXXX - * * Email : * * [ Your Email Address ] - * * SSN ( Last 4 ) : * * [ Your Last 4 Digits of SSN ] * * Complaint Details : * * To Whom It May Concern, I am writing to formally submit a complaint regarding an unauthorized collection account reported on my credit report by TransUnion. The account in question is from XXXX XXXX XXXX for XXXX XXXX, which I believe is being reported in error and violates several regulations. 

* * Account Information : * * - * * Creditor : * * XXXX XXXX  - * * Collection Agency : * * XXXX XXXX XXXX - * * Account Status : * * Open - * * Balance : * * {$270.00} - * * Date Opened : * * XX/XX/year> - * * Type : * * Derogatory - * * Remarks : * * Placed for collection # # # Summary of Violations : 1. * * Unauthorized Account * * : I dispute the validity of this collection account, as I have no association with XXXX XXXX. This unauthorized reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

2. * * Inaccurate Reporting * * : The account is reported as " Open '' while being classified as derogatory. This misrepresentation is misleading and violates the FCRA, which mandates accurate reporting of consumer information.

3. * * Lack of Validation * * : I have not received any validation of this debt from XXXX XXXX XXXX, despite my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request such validation. The failure to provide validation is a violation of my rights and further substantiates my claim for deletion.

4. * * Potential Metro 2 Violations * * : The account lacks necessary details such as the Date of Last Activity and Compliance Condition Code, which are essential for accurate reporting. This omission indicates a failure to comply with industry standards for credit reporting.

# # # Requested Resolution : Given these violations, I respectfully request that the CFPB investigate this matter and facilitate the immediate deletion of this unauthorized collection account from my credit report with TransUnion. I also request that XXXX XXXX XXXX provide validation of this debt, as I have the right to know the details of any debt being reported against me.

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

Sincerely, * * XXXX XXXX * * * * Signature ( if sending a hard copy ) * *

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the prompt removal and blocking of the unauthorized accounts listed on my credit report. I did not authorize or open these accounts and am unaware of their origin. In accordance with XXXX XXXX, I formally ask that they be removed within XXXX days. Enclosed are the supporting documents for your careful review. Additionally, the reported information varies across the bureaus and contains several inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
I am sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
XXXX XXXX XXXX * * * * Balance : {$470.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX * * * * BALANCE {$21000.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
XXXX XXXX XXXX * * * * Balance : {$470.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX * * * * BALANCE {$21000.00} XXXX XXXX XXXX XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-05-28 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: IN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was a tenant living in the XXXX XXXX located in XXXXXXXX XXXX The XXXX violated my rights using Fraudulent fraud behavior. This entire situation is Fraudulent MisRepresentation. They Conned, tricked me into signing something with false and deceiving speech and fraudulent promises. 
I left because of this and the collection company XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX They fraudulently reported this on my credit report as a debt. 
This is a contract in Dispute. There is no debt what-so-ever until somebody has a Judgement in their hands that is signed by a judge. XXXX has fraudulently and knowingly put false information on my credit report for the sole intent and purpose of defaming my character. This is XXXX! 
Violation XXXX. They are ordered by the FCRA they must first send a letter notifying a party before moving to other actions, They did not send any notification at all. They just reported this as a debt when actually it is not a debt. This is a contract in dispute. 
violation XXXX. This move is unconstitutional. It is a violation of my XXXX amendment right of due process. 
ProCollect is violating my Constitutional, Civil and Human rights. This is XXXX! 
ProCollect is fraudulently attempting to extort me for money. 
This is XXXX! This is how XXXX debt XXXX such as ProCollect XXXX extort the people. Most people don't know their rights but I know my rights. 
This is not a debt. This is a Contract in dispute and untill XXXX XXXX XXXX get a legal judgement against me in a court of Law, untill that time happens then there is No Debt and they can not show proof of a debt. ProCollect XXXX is a sham! They are a fraudulent debt collection company that scams and defrauds the public.

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 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NV

Complaint narrative:
I have worked 10+ years for a public service sector ( XXXX  ), have provided proof, and still do not have loans forgiven. Also, My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information.The creditor and credit bureau has failed to response closing my dispute! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Act 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 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information.The creditor and credit bureau has failed to response closing my dispute! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Act 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 ) 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.

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 2025-05-28 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: CA

Complaint narrative:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-28 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-05-28 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-05-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a formal complaint against American Express for failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly Sections 605B and 609 ( e ).

I was a victim of identity theft and submitted a complete identity theft report to the credit bureaus and American Express. This included an FTC Identity Theft Report, government-issued ID, Social Security copy , proof of address, affidavit, and a formal 605B request letter. 

Despite this, American Express continues to report a fraudulent account on my credit report and has verified it as accurate to XXXX XXXX XXXX. I also requested account documentation under Section 609 ( e ), and they failed to respond appropriately. 

This account is not mine. It resulted from identity theft and should be blocked from reporting under Section 605B. I am requesting immediate intervention from the CFPB to ensure American Express : 1. Provides all verification documents per 609 ( e ), 2. Stops furnishing inaccurate information, and 3. Informs the credit bureaus to delete the account. 

Their refusal to cooperate is causing continued harm to my credit and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
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 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 2025-05-28 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: TX

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 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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I purchased an on-line class for XXXX university through XXXX XXXX. I entered into a payment arrangement and made my first payment of {$1300.00}. On the day the class was suppose to begin, XXXX XXXX did not send me registration information or class link to begin my class. I sent XXXX XXXX at XXXX XXXX  an email requesting a refund of my monies because the university did not fill their commitment. To-date, I have not received a refund. I filed FOUR separate claims with Citizens Bank in XXXX, PA to refund me my money because of the fraudulent transaction. I called and requested Citizens bank to stop any future withdrawals from my account, but Citizens Refused. I have received four ( 4 ) separate correspondence from Citizens Bank regarding this matter and yet they have REFUSED TO REFUND ME MY MONEY UNDER THE LAW. Im requesting that Citizens Bank be required to follow ALL banking laws and refund me my {$1300.00} that was sent to XXXX XXXX of XXXX XXXX. In addition, XXXX XXXX has a XXXX XXXX XXXX XXXX account that contains {$1300.00} that was transferred into her personal account, in which I believe is my {$1300.00} that I paid anticipating taking the XXXX sustainability course in which was never sent to me. Please stop XXXX XXXX  from fraudulent taking students money and stop fraud at Citizens Bank for refusing to reimburse fraud taking from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-28 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: GA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 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