vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Alorica Inc.
State: CA

Complaint narrative:
I do not know this company and they are reporting a delinquent account that is greatly affecting my credit score. They update the balance to be higher, they are marking the account as closed and reopening it, they are marking it as " charged off '' and then reopening. I have never used this company for anything, they don't have a website or email. 

Here is a copy of the certified letter I sent to the company. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/year> XXXX XXXX SSTXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO, XXXX ( XXXX ) XXXX Re : Request for Debt Validation - [ Account Number or Reference Number ] Dear Sir/Madam, I am writing to request validation of the debt you claim I owe. Under the **Fair Debt Collection Practices Act ( FDCPA ) **, I request that you provide verification of the debt, including : 1. The **amount of the debt**.

2. The **original creditors name**.

3. Proof that you have the **legal right** to collect this debt. 
4. A breakdown of the debt, including any interest, fees, or charges added. 

Please provide me with this information in writing. Until I receive the requested validation, I do not acknowledge this debt and request that you cease further collection activities. 


Sincerely, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I asked for the company to provide proof of the debt via letter! They never sent it! I currently have XXXX. The accounts were not authorized nor opened by me and I asked them to be removed from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
In light of the recent lawsuit regarding Zelle, I wanted to express my concerns w2ith the company. I've used Zelle numerous times and have reported discrepancies as I've come across them, which sadly has been quite numerous as well. Zelle has neglected to protect and go to bat for their consumers, allowing many problems to go unresolved, some being repeat issues. It's system has left we the consumers vulnerable and open to many a scam, allowing offenders to continue to exploit that same consumer base.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the following debts that have been inaccurately reported on my credit file. These debts are the result of fraudulent activity, and despite my attempts to resolve the matter with the three major credit bureaus, the inaccuracies remain. I am requesting immediate action from the CFPB to enforce compliance under Section 16810 for civil liability regarding the negligence and non-compliance of the credit reporting agencies and collection agencies involved. 

Disputed Accounts and Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed these accounts directly with the credit bureaus, and I have made it clear that these debts are fraudulent. However, these items remain on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), as they have not been corrected or removed in a timely manner. 
Please notify me of your actions at the earliest convenience. Should you need further documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-25 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I sent a letter to XXXX XXXX Synchrony bank in regards to a hardship that i was going through with my husband who sustained XXXX XXXX XXXXXXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on synchrony to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I XXXX XXXX XXXX and have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH SYNCHRONY EVER!

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 2025-02-25 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 reviewed my credit report and noticed these accounts on my report please remove these accounts, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
The company took a write off of the debt and got a tax break for it. Company did not give me the 1099c when they did this. Account was written off in XXXX XXXX. This is fraudulent and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I received several phones calls from someone claiming to be from Experian. 
The name of the person was XXXX XXXX phone is 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 2025-02-25 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.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-25 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: EQUIFAX, INC.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT DISPUTE UNAUTHORIZED REINSERTION OF ACCOUNT ON CREDIT REPORT Account : XXXX XXXXXXXX XXXX XXXX Account # : XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of a previously deleted account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion can not legally reinsert an account unless specific procedures are followed, including : 1. Written notice within five ( 5 ) business days of reinsertion.

2. Certified verification from the data furnisher proving the accounts accuracy.

3. Allowing me the right to dispute again before any adverse reporting continues.

As of today, I have not received any notice of reinsertion from TransUnion, and this account has suddenly reappeared on my report without due process. This is a direct violation of the FCRA, and I demand immediate corrective action.

DEMANDS FOR IMMEDIATE ACTION 1. Provide all supporting documentation proving that the account was properly verified before reinsertion.

2. Remove the reinserted account immediately, as it was previously deemed inaccurate and deleted.

3. Provide a formal written statement confirming the removal and an updated copy of my credit report.

4. Cease any further reporting of this account until the issue is fully resolved.

LEGAL WARNING & NEXT STEPS Failure to comply with federal consumer protection laws will result in : A formal complaint filed with the Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office.

Possible civil litigation for violations of 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligence ), which entitles me to statutory damages, legal fees, and punitive damages. 
An investigation request to all major credit bureaus ( XXXX, XXXX ) to determine if the reinsertion process was handled unlawfully. 

I expect an immediate response within 15 days, as required under the FCRA. If this matter is not resolved promptly, I will escalate my legal options. 

This letter serves as formal notice under the FCRA. Any continued reporting of this account without compliance will be treated as willful misconduct.

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 2025-02-25 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: NJ

Complaint narrative:
Unknown persons are illegally contacting Equifax without my consent and deliberately changing my personal information without my consent. They are bypassing authentication procedures. The Equifax employee on XXXX XXXX XXXX also did not properly reinstate the fraud alert, instead REMOVING it. I had to re add the Equifax fraud alert myself, which put my identity at risk for a number of days in which I would not receive any alerts about fraud and identity theft which I am a victim of. Rude, incompetent and dangerous staff that do not care to investigate fraud.The female employee I spoke to on XXXX XXXX XXXX also refused to acknowledge that the employee deliberately left my credit file exposed without my consent, and claimed that the employee had reinstated the farud alert on XXXX XXXX XXXX  when I was the one who had reinstated it MYSELF. An insult to consumer 's intelligence as well as dangerous business practices facilitating fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
Final demand to Experian : Remove unverified XXXX account or face lawsuit for FCRA violations ( 15 U.S.C. 1681i, 1681e ), daily damages, defamation, and financial harm. 5 days to comply or legal action begins.

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 2025-02-25 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:
Final demand to Experian : Remove unverified XXXX account or face lawsuit for FCRA violations ( 15 U.S.C. 1681i, 1681e ), daily damages, defamation, and financial harm. 5 days to comply or legal action begins.

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 2025-02-25 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:
My identity was stolen and this information was falsely added to 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 2025-02-25 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from report they are hurting my ability to obtain credit. 

The following accounts are additional accounts and their account numbers that are fraudulent and that must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
Since XX/XX/XXXX and I'm asking BHN to resolve my case for unauthorized transaction on my card. My card has been compromised without my permission and BHN are delaying the process to get my funds by requesting things that they supposed to do ( like contact the police ). THIS IS NOT MY JOB. I sent them a proof of address a picture of the card which they ask at the beginning. i hope CFBP to help me recover my money

Company response to consumer: Closed with explanation