vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer Adjustment Co has made several phone calls prior to XXXX. Then a collection account shows up out of the blue on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolution Investments first came to my attention when they filed suit on me in Indiana in early 2024 and failed not only to send me any kind of demand letter or debt verification before filing suit, they also failed to properly serve me which I was only notified about the pending lawsuit thankfully after an unrelated law office advertisement came to my home alerting me on the suit and offering their bankruptcy services, otherwise I would have never been notified and received a default summery judgement in their favor. I was able to write the court just in time and prove that I wasn't served, that I was not only not physically in Indiana at the time they alleged to have serve me but I was also resident of Texas. The courts in Indiana dismissed the case. Then later in the year in 2024 they popped up on my credit report as a debt collection company stating I owed them a debt of {$2200.00} but didn't give any information about the debt what so ever other than their name and the amount they claimed I owed. I disputed the debt with the credit bureaus as an account and or debt I didn't recognize and I won the dispute. XXXX  Days later Absolute Resolutions Investments re-filed the debt on my credit again and again with no further information provided and on the same day of re-filing the debt on my credit, they also again have what looks like filed a civil lawsuit against me, this time in my home county and state of XXXX XXXX, Texas but again without any prior written communication about said debt, a prior demand letter letter of any kind and or without verification or validation of the debt still in any way. I'm currently awaiting to be served and start fighting them in court even though I believe they're violating my rights, so I wanted to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: WV

Complaint narrative:
Remove these ASAP, I HAVE CONTACTED THE COMPANIES WHERE THE INQUIRY ARE SHOWN, THE COMPANY THEN TELLS ME TO CONTACT TRANSUNION AND THEN BACK AND FOURTH

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 2025-02-16 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: TX

Complaint narrative:
I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : XXXX XXXX, balance : {$1800.00} XXXX, balance : {$3200.00} XXXX XXXX XXXX, balance : {$1800.00} These accounts have caused unauthorized hard inquiries and collections, including : XXXX - XXXX XXXX, XXXX Banks - 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 - XX/XX/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 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 This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. 

Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. 

I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have ceased. 
Do not delay. Act now. This matter must be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : XXXX XXXX, balance : {$1800.00} XXXX, balance : {$3200.00} XXXX XXXX XXXX, balance : {$1800.00} These accounts have caused unauthorized hard inquiries and collections, including : XXXX - XXXX XXXX, XXXX Banks - 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 - XX/XX/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 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 This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. 

Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. 

I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have ceased. 
Do not delay. Act now. This matter must be resolved 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 2025-02-16 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: IL

Complaint narrative:
I am submitting this formal request under my rights granted by the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX. My personal information was exposed due to the XXXX data breach, leading to identity theft and fraudulent accounts appearing on my credit report. As a victim of identity theft, I request that you immediately block the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX Co XXXX balance : {$12000.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX Account number : XXXX Fraudulent balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Fraudulent balance : {$570.00} Date discovered : XX/XX/year> Pursuant to the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, I am requesting the permanent removal of these fraudulent accounts from my credit report. Enclosed, you will find my FTC Identity Theft Report ( Report XXXX. XXXX ) as supporting documentation. 

Under XXXX XXXX. XXXX, XXXX is legally required to block the fraudulent information from my credit report within XXXX business days of receiving this request. Additionally, I request written confirmation that these accounts have been removed and that no further collection or reporting of these fraudulent debts will occur. 

Please send a response confirming the removal of these fraudulent accounts at your earliest convenience. Should you require any further documentation, do not hesitate to contact me via the information provided above. 

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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Received a letter asking me to remove my credit report freeze from Comenity Capital Bank, XXXX XXXX XXXX, XXXX OH XXXX. They want me to do this in connection with an application for a XXXX XXXX Credit Card which I did not apply for. Looked at FDIC website and they don't report this bank as existing. Instructions in letter say to call them at XXXX once I have removed the freeze so they can continue processing. I have not and will not remove but hoping to help others not fall into their trap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
Subject : Dispute of Fraudulent Accounts, Hard Inquiries, and Derogatory Marks I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report. I am a victim of identity theft, as detailed in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these items from my credit file. 

Fraudulent Accounts : The following accounts were opened without my authorization and must be deleted from my credit report : XXXX XXXX XXXX XXXX : {$660.00} Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Amount : {$200.00} Opened : XX/XX/XXXX Fraudulent Hard Inquiries : These inquiries were made without my consent and should be removed immediately XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Marks : The collection account reported by XXXX XXXX XXXX is inaccurate and should be removed. I have not received proper documentation verifying that I owe this debt. XXXX XXXX. XXXX requires furnishers of information to verify its accuracy, and the burden of proof is on the collector. Since they have failed to provide proof, this debt should be deleted immediately. 

Additionally, I invoke XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to demand that all communication from debt collectors regarding these fraudulent accounts cease immediately. 

I request that you : 1. Remove the fraudulent accounts, inquiries, and derogatory marks.

2. Provide written confirmation that these items have been deleted.

3. Investigate and verify the accuracy of the disputed items. 

Failure to correct these inaccuracies within the legally required time frame will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Enclosed are copies of my FTC Identity Theft Report, personal identification, and any other supporting documents. Please conduct this investigation immediately and respond in writing within the timeframe mandated by law. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX without prejudice

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 2025-02-16 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: WV

Complaint narrative:
Remove these ASAP, I HAVE CONTACTED THE COMPANIES WHERE THE INQUIRY ARE SHOWN, THE COMPANY THEN TELLS ME TO CONTACT TRANSUNION AND THEN BACK AND FOURTH

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 2025-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
Receivable Management Systems attempting to charge for medical debt that was handled by insurance. It appears in my claims XX/XX/XXXX and was processed ( accepted ) the XXXX of that month. That was my only visit in recent years. They have called several times and been told to communicate by mail or hung up on ( XXXX XXXX had his identity stolen so there are many debt calls that are not legitimate. ) My parents received communications from them XX/XX/XXXX and XX/XX/XXXX. They should have my address. Not only was it given to them but I moved recently from renting to owning so it is on public record. Contacted the company the debt is owed to and they have no record of it. I have no idea what to do if I cant get in contact with them in writing, especially with being hard of hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CONSUMER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX to whom it XXXX concern at " XXXX XXXX XXXX XXXX XXXX XXXX  the above addressee... 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that withing ( XXXX ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter. 
RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement further more the following laws Experian as of XX/XX/year> is being sued due to not properly investigating accounts and improperly reinserting disputed invalid and unverified information on to consumer reports which I Am included and of these actions. 
in this dispute I Challenge Experian for violations in accordance with The CFPB Sues Experian for Sham investigations of Credit Report Errors XX/XX/year> Experian has not properly been investigating my accounts and reinserting them back onto my consumer report/profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX challenges the XXXX day response time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Challenges investigation protocols XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges reinsertion protocols

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 2025-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CONSUMER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX to whom it may concern at " XXXX XXXX XXXX XXXX XXXX  XXXX the above addressee... 
I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter. 
RESERVATION OF RIGHTS I reserve my right not to be compelled to preform under any contract or commercial agreement that i did not enter into knowingly willingly voluntarily or intentionally and i furthermore do not accept the liability of the compelled benefit of any unrevealed contract or commercial agreement further more the following laws Experian as of XX/XX/year> is being sued due to not properly investigating accounts and improperly reinserting disputed invalid and unverified information on to consumer reports which I Am included and of these actions. 
in this dispute I Challenge Experian for violations in accordance with The CFPB Sues Experian for Sham investigations of Credit Report Errors XX/XX/year> Experian has not properly been investigating my accounts and reinserting them back onto my consumer report/profile XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  challenges the XXXX day response time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges investigation protocols XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Challenges reinsertion protocols

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 2025-02-16 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: LJ Ross Associates
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; LJ Ross & associate/ XXXXXXXX XXXX XXXX XXXXXXXX of {$350.00}. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation