vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Subject : Request for Debt Validation and Denial of Debt Ownership account # Dear Professional Debt Mediation, I am writing in response to your regarding an alleged debt under your collection. I dispute the validity of this debt and do not acknowledge that I owe any money to your agency or the original creditor. 

Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of this debt. Specifically, I am requesting the following information to verify the legitimacy of this alleged debt : Proof that you have the legal right to collect on this debt, including any documentation or assignment of rights from the original creditor.

Please note that under 15 U.S.C. 1692g ( a ), upon receiving my request, you are legally required to cease all collection efforts until you have provided the requested validation.

As stated under 15 U.S.C. 1692e and 15 U.S.C. 1692f, any collection activities must be truthful and fair. I am asserting that I do not owe this debt, and if you can not provide valid proof, I request that you immediately cease all collection efforts, remove any entries related to this debt from my credit report, and refrain from any future attempts to collect on this alleged debt. 

If you can not validate this debt as requested within 30 days, I demand that you stop all collection activities, remove the entry from my credit history, and discontinue any future communication regarding this matter. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
{$500.00} XXXX XXXX XXXX {$340.00} XXXX XXXX {$600.00} XXXX XXXX XXXX  I also have no idea what these are for but after I have left my phone in an XXXX one time my wallet was also attached to my phone case and i have no idea who found it or what they were doing with all of my information but my identity was stolen and it has caused me so many headaches and issues and id like the information from these people as to what it is I owe them for because every time i have submitted a dispute i have asked them for an itemized statement and no one can ever send me any information i have asked them for this is also a car from XXXX XXXX XXXX that was taken out in my name and i have no idea how or why these people were able to get it because my credit was horrible back then!!

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
{$500.00} XXXX XXXX XXXX {$340.00} XXXX XXXX {$600.00} XXXX XXXX XXXX I also have no idea what these are for but after I have left my phone in an XXXX one time my wallet was also attached to my phone case and i have no idea who found it or what they were doing with all of my information but my identity was stolen and it has caused me so many headaches and issues and id like the information from these people as to what it is I owe them for because every time i have submitted a dispute i have asked them for an itemized statement and no one can ever send me any information i have asked them for this is also a car from XXXX XXXX XXXX that was taken out in my name and i have no idea how or why these people were able to get it because my credit was horrible back then!!

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
{$500.00} XXXX XXXX XXXX {$340.00} XXXX XXXX {$600.00} XXXX XXXX XXXX I also have no idea what these are for but after I have left my phone in an XXXX one time my wallet was also attached to my phone case and i have no idea who found it or what they were doing with all of my information but my identity was stolen and it has caused me so many headaches and issues and id like the information from these people as to what it is I owe them for because every time i have submitted a dispute i have asked them for an itemized statement and no one can ever send me any information i have asked them for this is also a car from XXXX XXXX XXXX that was taken out in my name and i have no idea how or why these people were able to get it because my credit was horrible back then!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
I have sent letters to the company and credit bureaus to remove inaccurate account from my reports and they haven't. I do not owe this and this account is not mine.

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 2025-03-19 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: CT

Complaint narrative:
I have sent letters to the company and credit bureaus to remove inaccurate account from my reports and they haven't. I do not owe this and this account is not mine.

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 2025-03-19 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: Nelnet, Inc.
State: AL

Complaint narrative:
Subject : Unauthorized Disclosure of Personal and Financial Information Request for Student Loan Discharge Dear XXXXUS Department of Education , I am writing to formally address a serious breach of my personal and financial information, which was compromised without my authorization. Under the Family Educational Rights and Privacy Act ( FERPA ), my student records, including financial data, are protected, and your institution has a legal obligation to safeguard this information. The unauthorized disclosure of my data constitutes a clear violation of FERPA and a failure to fulfill your duty to protect my privacy. 

As a direct result of this breach, my personal and financial security has been compromised, causing significant distress and potential harm. Given the severity of this violation and the risks associated with the exposure of my information, I am requesting that you take immediate action to cancel and discharge my student loan debt. 

I expect a prompt response to this matter, including confirmation of the actions you will take to remedy this violation. Please consider this letter a formal request for resolution, and I urge you to act without delay. If necessary, I am prepared to escalate this matter to the U.S. Department of Education and other relevant authorities to ensure compliance with FERPA regulations and my rights as a student. 

I appreciate your immediate attention to this critical issue and look forward to your prompt response. Please provide written confirmation of your decision regarding my request at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request mat mis account be removed from 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 non-monetary relief
Consumer complaint received 2025-03-19 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request mat mis account be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDITED

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inqueries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-03-19 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:
Inqueries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
Account/ Reference Number : XXXX I am writing to formally file a complaint against Shepherd Outsourcing LLC for persistent and unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This company has repeatedly contacted me regarding an alleged debt from XXXX XXXX XXXX, despite my multiple requests for proof of the debt and my clear instructions to cease communication if no valid proof could be provided. 

The alleged debt pertains to an account with XXXX XXXX XXXX that was fully paid and removed from my credit report over XXXX years ago. I have provided proof of payment, specifically documentation showing that this bill was settled in full back in XX/XX/year>. Despite this, Shepherd Outsourcing LLC has continued their harassment through repeated calls, letters, and threats of negative credit reporting. 

Violations Committed by Shepherd Outsourcing LLC : Failure to Provide Debt Validation ( 809 of the FDCPA ) The company failed to provide any verification or proof of the alleged debt despite multiple written requests.

Continued Communication After Cease and Desist Request ( 805 ( c ) of the FDCPA ) I explicitly informed them to cease communication if they could not validate the debt, yet they persisted in contacting me.

Harassment and Abuse ( 806 of the FDCPA ) I have received repeated and unwarranted calls, letters, and threats regarding this illegitimate debt, causing undue stress and inconvenience.

Attempting to Collect a Nonexistent Debt ( 807 of the FDCPA - False or Misleading Representations ) The debt in question was paid in full and removed from my credit report over a decade ago.

Unfair Collection Practices ( 808 of the FDCPA ) The continued pursuit of a fully resolved debt constitutes unfair and deceptive practices. 

Violation of the Fair Credit Reporting Act ( FCRA ) If Shepherd Outsourcing LLC has reported this invalid debt to any credit bureaus, they have further violated my rights under the FCRA by failing to ensure accuracy in credit reporting. 

Account/ Reference Number : XXXX XXXX XXXX XXXX XXXX ( account number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
I have maintained credit for nearly four years, with multiple car loans and mortgages, and I have never missed a single payment. If you review my profile, you will see a consistent history of managing multiple monthly expenses responsibly. 

Recently, I noticed fraudulent accounts appearing on my credit report. This accounts does not belong to me. I kindly request that you investigate and remove these accounts from my record. I am currently in the process of applying for a mortgage, and the last thing I want is for banks to see collections in my name for accounts I am not responsible for. 

Thank you for your attention and assistance in resolving this matter.

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 2025-03-19 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:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Account Under Fair Credit Reporting Act Dear TransUnion, I am writing to formally request the removal of an inaccurate account from my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I discovered the following account that I believe to be incorrect or in violation of my rights under the FCRA : Account Name : Credit Acceptance both accounts Reason for Removal : This account does not belong to me Under the FCRA, I am entitled to a credit report that is accurate and reflects the true status of my financial obligations. Section 1681i of the FCRA provides that if an item on my credit report is found to be inaccurate, I have the right to dispute the information, and the credit reporting agency is required to investigate and correct or remove the inaccurate information within 30 days.

As the account in question is either incorrect or outdated, I request that TransUnion immediately investigate this account and remove it from my credit report. In accordance with Section 1681e ( b ) of the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the account can not be verified, it must be deleted from my report. 

I have attached supporting documentation to assist in resolving this issue, including [ list any documents you are attaching, such as payment records, correspondence, or identification verification ]. 

I respectfully request that you update my credit report to reflect the accurate information and provide me with a corrected copy of my credit report once the removal is complete. 

If you fail to remove this inaccurate information, I will pursue my legal rights to enforce compliance with the FCRA, including contacting the Consumer Financial Protection Bureau ( CFPB ) and filing a formal dispute. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transuion 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.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a medical account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another credit card opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-03-19 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate reporting of my Bank of America credit card account on my credit file. This account ( Account XXXX. XXXX ) is listed as Paid in settlement with {$1700.00} written off, yet despite being fully settledand despite a written promise from Bank of America to remove this account once paidthe item remains on my credit report. 

Account Details : Account Name : BANK OF AMERICA Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement ; {$1700.00} written off ( Status updated XX/XX/XXXX ) Credit Limit : {$900.00} Highest Balance : {$1700.00} Responsibility : Individual Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that is incomplete or inaccurate. In addition, 15 U.S.C. 1681s2 mandates that furnishers report only accurate information. Given that Bank of America agreed in writing to remove this account upon settlement, the continued presence of this account on my credit report is not only misleading but also a violation of my rights. 

I have attempted to resolve this matter directly with Bank of America and the credit bureaus ; however, the account remains on my file. I therefore request that the CFPB investigate this matter and ensure that Bank of America complies with both its contractual obligation and the FCRA requirements by removing this paid account from my credit report. 

Please provide a written response detailing the outcome of your investigation. I have attached copies of my settlement agreement, the relevant pages of my credit report highlighting the disputed item, and my identification for your review. 

Thank you for your prompt attention to this matter.

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