vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on 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 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: NY

Complaint narrative:
Please investigate XXXX XXXX- XXXX XXXX Services and XXXX XXXX XXXX. 
XXXX XXXX  tried to scam and defraud me. They tried to get me to enter into a subscription service and when I refused, XXXX XXXX lied to the BBB that I agreed to a subscription service. They tried to charge my credit card for products and a subscription service I never agreed to but was unable to. I do not owe XXXX XXXX  any money. I do not have any of their products. I ordered oils and XXXX XX/XX/XXXXproceeded to harass me to agree to a subscription. Please look into this practice. There are tons of complaints on BBB about XXXX XXXX refusing to 'cancel subscription ' that people are saying they never agreed to. 
XXXX XXXX  then sold a non existent debt to XXXX XXXX XXXX. It proceeded to try to harass me for money. I informed XXXX that this is not my debt. I made a complaint against XXXX  on the BBB and uploaded the email proof that I had that I never agreed to a XXXX XXXX subscription. XXXX is a scam collections company. 
XXXX XXXX then proceeded to defraud Omega RMS LLC into a buying a non existent debt. XXXX tried to harass me with a letter that included a return address that is 'Permanently Closed ' on google XXXX I went to the post office to send a certified letter and the XXXX XXXX confirmed that the address is not valid. Please find the fraudulent company and Permanently Closed Address listed below. 
Omega RMS LLC XXXX XXXX XXXX XXXX XXXX FL XXXX Thank you so much for your service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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 2025-02-11 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:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Starting in XXXX I had XXXX  start calling me about unpaid debt for XXXX and Friday XXXX I told them I had no unpaid debt. I went online to run credit on XXXX, XXXX, and XXXX and saw that this was collections for XXXX. The 3 collections included : LVNV FUNDING LLC XXXX XXXX XXXX XXXX {$470.00}, LVNV FUNDING LLC XXXX XXXX XXXX XXXX - {$390.00} and XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$870.00}. These were all companies that I have no recognition of or what the unpaid bills were for. When I logged onto the credit agencies, I also noticed that for previous addresses listed there were 4 TX addresses that I have NEVER lived at or no anyone who does live at these addresses. I filed disputes with XXXX, XXXX, and XXXX that my identity was stolen, and these are fraudulent charges that I do not owe. On Monday XX/XX/XXXX I filed a Police report for identity theft with the XXXX Police Department - Report # is XXXX. XXXX XXXX XXXX XXXX ) sent me a link to attach all screen shots from the 3 credit agencies showing the fraudulent collections as well as the TX addresses XXXX On Tuesday XX/XX/XXXX I contacted XXXX ( spoke with XXXX ID # XXXX ) and notified them that the debt they were trying to collect from me was fraudulent and they started a dispute, again for identity theft - # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OR

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/XXXX regarding inaccurate 30 day late payment on my credit report, and again on XX/XX/XXXX regarding personal information and inquiries that I never authorized. My dispute included all required identifying information, including my full name, address, date of birth, and social security number. I also provided supporting documentation : a copy of my driver 's license, a copy of my social security card, and proof of address, to verify my identity. 

However, instead of conducting the required investigation within the Fair Credit Reporting Act ( FCRA ) 30-day timeline, Experian sent me a letter claiming that my request " does not appear to have been sent directly by or to be authorized by me. '' This response is false and appears to be an attempt to delay or avoid investigating my dispute. 

As a single mother of XXXX and a XXXX XXXX I understand the importance of handling all credit matters in writing to ensure proper documentation and legal protection. I do not have the time to call Experian and sit on hold, only to be given the runaround. Written disputes are the most secure method for consumers to protect their rights under the FCRA and ensure a proper paper trail. Experian is forcing me into an inconvenient and less protected process to avoid its legal obligation to investigate my dispute.

Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Experian is required to investigate disputes unless they determine the dispute is " frivolous or irrelevant. '' However, Experian has not provided any legitimate explanation as to why my dispute would be considered invalid. Instead, they are improperly shifting the burden onto me to call them, despite already having all my identifying information. This is a clear stall tactic and an unfair and deceptive practice under federal law.

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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
Starting in XXXX I had TrueAccord start calling me about unpaid debt for XXXX and Friday XXXX I told them I had no unpaid debt. I went online to run credit on XXXX, XXXX, and XXXX and saw that this was collections for XXXX. The 3 collections included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$390.00} and XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$870.00}. These were all companies that I have no recognition of or what the unpaid bills were for. When I logged onto the credit agencies, I also noticed that for previous addresses listed there were 4 TX addresses that I have NEVER lived at or no anyone who does live at these addresses. I filed disputes with XXXX, XXXX, and XXXX that my identity was stolen, and these are fraudulent charges that I do not owe. On Monday XX/XX/XXXX I filed a Police report for identity theft with the XXXX Police Department - Report # is XXXX. XXXX XXXX XXXX XXXX ) sent me a link to attach all screen shots from the 3 credit agencies showing the fraudulent collections as well as the TX addresses . On Tuesday XX/XX/XXXX I contacted TrueAccord ( spoke with XXXX ID # XXXX ) and notified them that the debt they were trying to collect from me was fraudulent and they started a dispute, again for identity theft - # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
Subject : Identity Theft Report Unauthorized Account with XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized account that has appeared on my credit report under my name. The details of the fraudulent account are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> I did not open or authorize this account, and I am a victim of identity theft. I request that this fraudulent account be immediately removed from my credit report and that all associated inquiries be deleted as well. 

Enclosed, I have attached a copy of my government-issued ID, a police report ( if applicable ), and any supporting documentation to verify my claim. Please investigate this matter and provide written confirmation once the account has been removed. 

I appreciate your prompt attention to this urgent matter. If any additional information is needed, please contact me in writing at the address listed below. 

Sincerely, a 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - BALANCE {$110.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 Incorrect Name - XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX  XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
at XXXX on XXXX I received a call that came up on my caller id as my mother in law XXXX I answered the call and it was Portfolio Recovery Associates I don't know how they did it but they spoofed their number under my mom in law name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelles handling of transaction disputes raises serious concerns, particularly in light of the recent CFPB lawsuit highlighting significant deficiencies in consumer protection. As a frequent user, I have encountered discrepancies that were not adequately investigated by either my financial institution or Zelle, with both parties asserting that recovering lost funds was impossible and tracking transactions was unfeasible. The CFPBs findings indicate a systemic failure to safeguard users, allowing repeat offenders to exploit the platform and leaving consumers vulnerable to fraud. This lack of accountability and transparency is unacceptable and undermines trust in the platforms security. It is imperative that Zelle implements stronger dispute resolution processes, enhances fraud prevention measures, and prioritizes consumer protection to restore confidence in its services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. 

In accordance with the fair credit reporting XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

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