vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: OK

Complaint narrative:
I am being contacted by a debt collection agency Receivable Management Services LLC regarding a {$500.00} charge related to a car rental from XXXX XXXX. 
This charge was previously disputed through my bank in the United States, and the case was resolved in my favor. XXXX failed to provide any documentation to support the charge during the dispute process, and the funds were returned to me. 
Afterward, I contacted XXXX XXXX and their U.S. headquarters in Florida. I was told that the matter would be looked into, but I never received any follow-up or justification for the charge. 
Despite the dispute resolution in my favor, Receivable Management Services LLC is attempting to collect this amount + fee. I believe this collection attempt is inappropriate, unvalidated, and harmful. I have not received any documentation verifying the debt, and XXXX has not responded to my attempts to clarify the 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 explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I received a 1099-K from Block Inc. for CashApp transactions that I was not involved in. I called CashApp to report that someone had created a fraudulent account using my information and asked that they identify and close the account and correct the form to all XXXX. They did neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

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 2025-04-06 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code XXXX, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. 

Details of the disputed item : Account Name : Radius global solutions Account Number : XXXX Disputed Code : XXXX Date of Entry : XXXX I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue. 

Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

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 2025-04-06 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: KY

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 XXXX 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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX Aspire Credit Card for conducting a hard inquiry on my credit report without proper authorization or clear disclosure.

I received a pre-qualification letter from Aspire, which invited me to check if I was eligible for a credit card offer. I followed up by calling the number provided to find out if I was approved. At no point during this interaction was it clearly communicated that a hard inquiry would be performed on my credit report. 

This lack of transparency is deeply concerning. I did not submit a full credit application or provide explicit consent for a hard inquiry. Had I been informed that checking my eligibility over the phone would result in a hard pull, I would have never proceeded. 

This unauthorized action is a potential violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this inquiry be removed from my credit report immediately, unless XXXX XXXX XXXX XXXX / Aspire can provide clear and verifiable proof that I authorized this inquiry knowingly and in writing. 

Please investigate this matter thoroughly and take appropriate action to protect my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : XXXX. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees. 
XXXX. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred. 

XXXX. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay. 
XXXX. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements. 

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account XXXX XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you. 

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Request for Removal of Reports Due to Data Breach in regards to XXXXExperian I am writing to formally request the removal of any negative reports or records on my credit report that may have resulted from the recent data breaches that occurred at XXXX and Experian. 

As per my legal rights and the impact of the breach, I am entitled to have any affected information removed from my credit report. The breach has compromised my personal data, and I believe any resulting negative information should be excluded in accordance with applicable laws. 

Please provide confirmation that these entries have been removed or let me know if further action is required on my part. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-06 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX and this was a identity theft situation and I have provided police reports also and they are refusing to remove this from my credit profile and proof of reinvestagating. 

15 U.S. Code 1681i : This section provides consumers with the power to dispute inaccurate information that is listed on their credit reports.

15 U.S. Code 1681s-2 : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, including the duty to investigate disputed information.

Revaluation Rules and USC Support : The FCRA, as amended by the Fair and Accurate Credit Transactions Act ( FACTA ), includes provisions for record accuracy and identity theft.

The CFPB has engaged in rulemakings under the Debt Bondage Repair Act and finalized a rule to prohibit consumer reporting agencies from providing consumer reports that contain any negative item of information about a XXXX XXXX XXXX XXXX that resulted from the XXXX  
The CFPB is seeking public comment on a proposed rule regarding identity theft and coerced debt, which is within the statutory authority of the CFPB to define " identity theft ''. 
The FTC enforces federal laws that protect consumers and prevent unfair business practices, including the FCRA 's identity theft rules. 
The FTC 's identity theft resources include advice, guidance, and consumer advice. 
The FTC 's identity theft rules are part of the Fair Credit Reporting Act ( FCRA ).

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 2025-04-05 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: NY

Complaint narrative:
See attachment below in the pdf attached with the pdf report I received a copy of my consumer report and noticed information that isn't supposed to be reported. 
Block and delete the following items : XXXXXXXX XXXX XXXX  line secured with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX Unsecured loan with account XXXX XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX  XXXX  Loan with account XXXX XXXX XXXX XXXX XX/XX/XXXX and a balance of $ XXXX XXXX Credit Card with account # XXXX XXXX XXXX XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX  XXXX XXXX XXXX secured with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX Credit Card XXXX account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

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 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Subject : Ongoing Dispute Ignored XXXX Refuses to Investigate New Information and Is Reporting Inaccurate Balance. 

I am filing a follow-up complaint against Absolute Resolutions Investments , LLC ( XXXX ) for failure to conduct a proper reinvestigation of my dispute. 
I recently contacted ARIs attorney, XXXX and XXXX, XXXX, who quoted me a balance that is {$350.00} higher than what is being reported on my credit report. This is new and material information that XXXX has not previously investigated. 
Instead of addressing this, XXXX sent me a letter on XX/XX/year> calling my dispute frivolous or irrelevant, and claimed they had fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). However, this balance discrepancy is a new issue, and their refusal to investigate it violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which requires data furnishers to conduct a reasonable reinvestigation when a consumer submits new information. Additionally, XXXX has failed to provide verifiable proof of my e-signature for the alleged debt. They only referenced that a contract was e-signed but did not provide an XXXX XXXX, timestamp, IP address, or any verification process as required under the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Furthermore, XXXX falsely claims they are not responsible for how information appears on my credit report. This is incorrect, as furnishers are legally required to report only complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Access lost to your XXXX Bank account It looks like you disconnected your bank account from Experian XXXX and Personal Finances. If you didnt mean to disconnect, you can reconnect now to keep your access. 
Reconnect now Heres what to do Image Sign in to your Experian account. 
XXXX XXXX to your Experian XXXX and XXXX XXXX dashboards. 
XXXX XXXX your XXXX Bank account. 
Reconnect now I did not make this request, Experian emails are harassing and not way to unsubscribe. Experian has blocked me from accessing the account, I have not made this request, a fee is attached to reconnecting the account.

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 2025-04-06 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: AR

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, 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 2025-04-05 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: SC

Complaint narrative:
The following accounts are not mine and must be removed : XXXX. XXXX Account XXXX : XXXX XXXX : Charged off as bad debt Evidence attached. 
XXXX. XXXX Account XXXX XXXX XXXX XXXX : 120 days past due Evidence attached. 
XXXX. XXXX Account XXXX XXXX XXXX XXXX : Charged off as bad debt Evidence attached. 
XXXX. XXXX XXXX Account Number : XXXX Status : Collection account Note : This account has already been removed from XXXX and XXXX. Proof of removal is attached. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection account Evidence attached. 
XXXX. XXXX XXXX** Account Number : XXXX Status : Collection account Evidence attached. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX ** Account Number : XXXX Status : Charged off as bad debt Evidence attached. 
XXXX. XXXX Account XXXX : XXXX XXXX : Charged off as bad debt Evidence attached. 
XXXX. XXXX XXXX XXXX** Account Number : XXXX Status : Charged off as bad debt Evidence attache

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 2025-04-06 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:
XXXX told me I was preapproved and then proceeded to run my credit with XXXX or XXXX different creditors, and proceeded to do the same on the following day without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
Subject : Request for Immediate Action to Remove Inaccurate Information Due to Equifax XXXX XXXX Dear [ Equifax XXXX XXXX XXXX ], I am writing to formally request the immediate removal of inaccurate information from my consumer credit reports in light of the Equifax data breach that compromised my personal information. According to 15 U.S.C. 1681c-2 ( a ), I am eligible to request that accounts connected to identity theft or fraud be blocked from my credit report, and I urge you to act on this within the XXXX business days stipulated by the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the inaccurate reporting on the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ** - Current Status : Closed with no balance no account number XXXX. **Self/Lead Account XXXX : ** - Current Status : Closed on XX/XX/year> - Balance : {$0.00} ( Original Amount : {$530.00} ) - Late Payments : - Equifax has inaccurately reported this account as negative with a XXXX late payment status on multiple occasions, contrary to my actual payment history. 

Under the FCRA, false information that is a result of identity theft must be removed promptly upon dispute. Given that both of these accounts have been flagged with incorrect information stemming from unauthorized access due to the breach, I demand that all negative notations, specifically those indicating late payments, be permanently deleted from my Equifax consumer report. 

Enclosed with this letter are copies of my credit report highlighting the disputed accounts, as well as proof of my identity. Please initiate the required investigation, and take steps to ensure these inaccuracies are rectified promptly within your files and records. 

As mandated by law, I expect a written confirmation once the requested deletions are complete, or an explanation should there be any discrepancies in processing my request. Should you require further information to authenticate my request or confirm the breach-related inaccuracies, please do not hesitate to contact me directly. 

Thank you for your immediate attention to this matter. I look forward to your swift compliance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief