vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), XX/XX/XXXXXXXX ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification. 

The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : XXXX XXXX XXXX XXXX : Personal Credit Card, Account Number : ( private ), Opened on XX/XX/year>. 

These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer XXXX credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer XXXX credit report obtained from Experian, which clearly highlights these erroneous items. 

I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. 

To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the U.S. Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. 

Therefore, pursuant to my rights under the FCRA 605B, I demand that the Experian credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CL Holdings LLC
State: FL

Complaint narrative:
Original company loan not reporting correctly. Credit file sold I to third party with out consent or of my knowledge. Reporting company is not correct reporting debt Data breach reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
This is one of my first attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * * Balance Owed : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$450.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX * Balance Owed : {$530.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1700.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$900.00} XXXX XXXXXXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$9800.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are in complete and not accurate, and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 U.S.C. 1681 ( E ) ( B ). 

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 U.S.C. 1681 : ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681section 602 A, states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ), states : No consumer reporting agency may make any consumer report containing any of the following according to 15 U.S.C. 1681 ( E ) ( B ). You are supposed to assure maximum possible accuracy. The accounts are not accurate according to the Fair Credit Reporting Act. Please delete accounts immediately for violating 15 U.S.C. 1681 ( E ) ( B ), items of information, any other adverse item of information other than records of convictions or crimes which antedates the report by more than 7 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. You are required to do what is right and block the following personal information from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

XXXX XXXX XXXX LAST 4 SSN : XXXX DOB:XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX  XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are in complete and not accurate, and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 U.S.C. 1681 ( E ) ( B ). 

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 U.S.C. 1681 : ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681section 602 A, states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ), states : No consumer reporting agency may make any consumer report containing any of the following according to 15 U.S.C. 1681 ( E ) ( B ). You are supposed to assure maximum possible accuracy. The accounts are not accurate according to the Fair Credit Reporting Act. Please delete accounts immediately for violating 15 U.S.C. 1681 ( E ) ( B ), items of information, any other adverse item of information other than records of convictions or crimes which antedates the report by more than 7 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. You are required to do what is right and block the following personal information from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

XXXX XXXX XXXX LAST 4 SSN : XXXX DOB:XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MS

Complaint narrative:
I have got mail from XXXXXXXX XXXX WHICH XXXX XXXXXXXX SOLD THE DEBIT TO AND WHICH I NEVER GOT ANYTHING FROM THEM AND THEY PUT IT ON MY CREDIT REPORT AND FROM MY UNDERSTANDING ITS BEEN SOLD SINCE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

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 605B 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 2025-04-23 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 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 605B 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 2025-04-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was a victim of identity theft. American Express DISMISSED its complaint/lawsuit against me, but it still shows up as a problem on my credit. 

Secondly, the statute of limitations has expired and American Express can no longer attempt to sue me or collect on the amount that I was never responsible for charging in the first place. 

AMERICAN EXPRESS DISMISSED IT'S LAWSUIT AGAINST ME OVER XXXX YEARS AGO! I CAN NOT GET IT OFF OF MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus.

I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness.

This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law.

Please notify me of the results of your investigation, and I appreciate your time and cooperation 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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I received a debt collection notice that stated I had until XX/XX/year> to respond. 

I emailed a copy of the letter indicating I wanted them to send me the name and address of the original creditor on XX/XX/year> ; and made several follow up requests for the information. 

On XX/XX/year> a process server accessed my property ; however I was not home and was not served. Upon searching the court website I found out they filed a lawsuit against me without ever providing the required proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
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 explanation
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I sent a letter that stated my account contains errors in its reporting, Including inconsistent and unverifiable information such as amounts old and date of last activity on this account. Under The Fair Credit Reporting Act ( FCRA ) I request an investigation and removal of theses accounts if they can not be verified,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
To Whom It May Concern, I write with urgency and constitutional clarity regarding the fraudulent and improperly reported accounts listed under my name, specifically : The XXXX account, And three collection accounts associated with the XXXX XXXX XXXX 
Each of these accounts was opened and reported without my authorization, knowledge, or consent. This constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. These laws are not suggestions. They are statutes written to safeguard consumers from harmespecially from entities that choose to operate with impunity instead of integrity.

Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a dispute and a request for debt validation is submitted, the debt collector must cease collection and provide actual verification of the debtincluding a signed promissory note and itemized statement from the original creditor. I made this request over 60 days ago. As of this writing, neither XXXX nor the XXXX XXXX XXXXXXXXassociated accounts have produced any legally sufficient documentation. The law is clear : if a debt can not be validated, it must not be reported. Yet these accounts remain, unlawfully impacting my consumer report and financial well-being. 

Furthermore, under FCRA 623 ( a ) ( 3 ), data furnishers are required to report accurate and verifiable information. Reporting unverifiable debtsparticularly in the absence of a valid contractis a violation of both FCRA and my fundamental rights.

Let it be known that I have not only disputed these debts, but have done so in good faith, while receiving no lawful response in return. Given the failure to validate within the prescribed legal timeline, I am formally demanding the immediate deletion of all four accounts from my credit report.

If these accounts are not removed forthwith, I reserve the right to seek full legal remedy through federal litigation, including but not limited to damages for negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. 

As the late XXXX XXXX XXXX once said, Where you see wrong or inequality or injustice, speak out, because this is your country. This is your democracy. I am speaking out nownot only for myself, but in the spirit of every consumer who has been mistreated by institutions that should have known better. 

Respectfully, 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 2025-04-23 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation