vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
XXXX XXXX-I noticed new collection account posted on XXXX XXXX account. Account stated it was opened XXXX of XXXX. No prior contact was made with me regarding this account, and it was not posted to my credit prior. 

XX/XX/XXXX, XXXXI sent a letter requesting debt validation to company. 

XX/XX/XXXX, XXXX No response from debt collector. Second letter requesting debt validation sent. 

XX/XX/XXXX, XXXXDebt collector responded with statement. Statement dated back to XX/XX/XXXX and none of the amount matched the amount that is being reported on credit. 

XX/XX/XXXX, XXXX Third letter sent. Requesting full and proper investigation again. Including copy of dunning letter that is required to be sent under 15 U.S.C. 1692g ( a ) XX/XX/XXXX, XXXX No response from debt collector. 

Pursuant to XXXX XXXX XXXX, I owe no debt, this company violating my consumer right to privacy pursuant to XXXX XXXX XXXX b XXXX. Company has also no permission to report anything using my info pursuant to XXXX XXXX XXXX XXXX. Debt collector failed to provide communication to myself prior to reporting this on my credit report and failed to provide proof that they did when asked. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. After I found item reported on my credit report and requested debt validation debt collector failed to respond to my request within 30 days.

Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : Can not be verified must be deleted from the file of the consumer.

Debt collector failed to furnish original documentation with my wet signature proving I originated this account, so you must delete it.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: A & O Recovery Solutions, LLC
State: NC

Complaint narrative:
Subject : Complaint Regarding Unauthorized Propane Delivery and Regulator Change by XXXX. 
I am submitting a formal complaint regarding unauthorized actions taken by XXXX on my account. Specifically, I did not authorize : 1. Automatic propane delivery = {$220.00} ( Even though I have an issue with the fireplace that is not working at all and didn't have automatic propane delivery! they says it was deliver, didn't see receipt of deliver, didn't get a call on whatever they do. when I called spending hours of hours on the phone waiting and spoke to the customers advocate by the name XXXX, and XXXX supervisor name XXXX and explained what was going they told me, oh there is nothing they can do and I still have to pay the charges that I 'am not aware off. I told them if at least they call me about the propane delivery I'm sure I will decline that delivery, because I was going through financial hardship really tough times since I was a victim of Identity theft and gets so overwhelm and dealing of that issues. Called XXXX multiple times and tried to resolve the issue. 

2. Regulator replacement on my gas tank ( I did called XXXX, and stated the problem that my fireplace hasn't been working around XXXX XXXX Company says will send somebody to check if there is a leak. then told me the first time the problem is in the log inside not the XXXX XXXX. Afterwards I got the uninspected bill for {$590.00} and the statement notice says Regulator Replacement on my gas tank. I didn't authorized to change, and didn't sign anything, or been inform how much it cost of that item. XXXX failed to do that, As a customer I have every right to know and dispute the charges. I called many times the company to resolve the issue with them and they just tell me, there is nothing they can do but only to refund the late fee and service call. And I have to pay the charges amount bill. And now forwarded to debt collection. 
Despite my lack of consent, XXXX proceeded with these services and charged me accordingly. I attempted to resolve this issue directly with the company, but I have not received a satisfactory resolution. 
Details of the Complaint : Company Name : XXXX XXXX XXXX XXXX XXXX 
Date of Unauthorized Service ( s ) : XXXX Amount Charged : {$760.00} Attempts to Resolve : I contacted XXXX multiple times via [ phone/email ] and was informed them.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EXPERIAN data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally report the continued presence of false, outdated, and unauthorized personal information on my credit reports, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to correct these recordsincluding submitting a detailed dispute letter on XX/XX/year>, along with an FTC Identity Theft Report and supporting documentation ( government-issued ID and a utility bill ) the credit bureaus TransUnion, Experian, and Equifax have failed to take corrective action. 

Timeline of Discovery and Efforts to Resolve : XX/XX/year> : I discovered multiple incorrect names and addresses on my credit reports. 

XX/XX/year> : I sent formal written disputes to TransUnion, Experian, and Equifax with documentation verifying my identity and outlining the false information. 

Despite this, the credit reporting agencies have not fulfilled their legal duty to reinvestigate and correct the inaccuracies. 

Specific Demands for Deletion and Correction : I demand that you take the following steps without delay : DELETE ALL Incorrect and Unauthorized Information Names to delete ( including but not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to delete : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX WA, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX RETAIN ONLY THE FOLLOWING ACCURATE AND VERIFIED INFORMATION Full Legal Name : XXXX XXXX XXXX XXXX and Only Valid Address : XXXX XXXXXXXX XXXX  XXXX, CA XXXX Legal Violations : FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a timely and thorough reinvestigation of disputed information.

FCRA 1681s-2 ( a ) : Furnishing information with actual knowledge of errors.

FCRA 1681c ( f ) : Reporting outdated or unverifiable personal data.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally report the continued presence of false, outdated, and unauthorized personal information on my credit reports, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to correct these recordsincluding submitting a detailed dispute letter on XX/XX/year>, along with an FTC Identity Theft Report and supporting documentation ( government-issued ID and a utility bill ) the credit bureaus TransUnion, Experian, and Equifax have failed to take corrective action. 

Timeline of Discovery and Efforts to Resolve : XX/XX/year> : I discovered multiple incorrect names and addresses on my credit reports. 

XX/XX/year> : I sent formal written disputes to TransUnion, Experian, and Equifax with documentation verifying my identity and outlining the false information. 

Despite this, the credit reporting agencies have not fulfilled their legal duty to reinvestigate and correct the inaccuracies. 

Specific Demands for Deletion and Correction : I demand that you take the following steps without delay : DELETE ALL Incorrect and Unauthorized Information Names to delete ( including but not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to delete : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX WA, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX RETAIN ONLY THE FOLLOWING ACCURATE AND VERIFIED INFORMATION Full Legal Name : XXXX XXXX XXXX XXXX and Only Valid Address : XXXX XXXXXXXX XXXX  XXXX, CA XXXX Legal Violations : FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a timely and thorough reinvestigation of disputed information.

FCRA 1681s-2 ( a ) : Furnishing information with actual knowledge of errors.

FCRA 1681c ( f ) : Reporting outdated or unverifiable personal data.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
These inquries and accounts are incorrect, since i do not recognize them, please investigate them and delete them : Inquries : XXXX XXXX XXXXXXXX Accounts : XXXX Acccount number XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
These inquries and accounts are incorrect, since i do not recognize them, please investigate them and delete them : Inquries : XXXX XXXX XXXXXXXX Accounts : XXXX Acccount number XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4500.00}

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 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-12 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: NJ

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-06-12 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-12 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

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