vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX 

Subject : CREDIT ACCOUNT ONLY BEING REPORTED BY TRANSUNION  Dear Sir/Madam, I am writing to formally dispute the validity of the debt associated with account number, allegedly transferred from the Department of Education to XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. Experian and Equifax have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information. 

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account.

2. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards.

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : 1. Cease all collection activities permanently.

2. Remove this account from my credit reports and all consumer reporting databases.

3. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-03-16 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Debt Recovery Solutions XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Dear Sir/Madam, Re : Debt Validation Request {$460.00} Open Date XX/XX/XXXX I am writing to formally request validation of the debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I am entitled to request that you provide verification of the debt you claim I owe before I am required to take further action regarding this matter. 
Please provide the following documentation : 1. The amount of the debt.

2. The name of the original creditor to whom the debt was originally owed.

3. A detailed statement of the debt, including any charges, fees, and interest that may have been added.

4. Verification that I am legally responsible for this debt, including a copy of the signed contract or agreement that reflects my obligation to pay the debt. 
5. Any judgment or legal documentation regarding the debt ( if applicable ).

6. Proof that you are authorized to collect on this debt, including your relationship with the original creditor.

7. If applicable, the original account number associated with this debt.

Furthermore, as permitted by law under 15 U.S.C. 1692c ( c ), I am also requesting that you cease and desist all collection efforts related to this alleged debt, including but not limited to any communications with me, until you have provided the requested validation. I do not consent to any further contact or collection efforts at this time. 
In accordance with 15 U.S.C. 1692g ( b ), please be advised that during the time this debt is being validated, all collection activities must cease. I also request that you refrain from reporting this alleged debt to any credit bureaus until the validation process is complete, as required by law. 
If you fail to provide the requested validation within 30 days from the date of this letter, you are required by law to cease collection efforts and remove any negative entries associated with this alleged debt from my credit report. Please be advised that any failure to comply with these legal obligations may result in further actions, including but not limited to formal disputes or complaints with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 
Please send your response to the address listed above. I request that you provide the required documentation no later than 30 days from the date of this letter. If you are unable to provide validation, I expect the immediate removal of any derogatory entries related to this alleged debt from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NH

Complaint narrative:
Dear Experian, TransUnion and Equifax. I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of Identity theft and the following entries on my credit report are fraudulent. Account name and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: NH

Complaint narrative:
Dear Experian, TransUnion and Equifax. I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of Identity theft and the following entries on my credit report are fraudulent. Account name and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, 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. This fraudulent, inaccurate, and false information consists of I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Credence RM account opened XX/XX/XXXX account number XXXX, XXXX XXXX with a {$0.00} balance account number XXXX opened XX/XX/XXXX, XXXX XXXX with a {$0.00} opened XX/XX/XXXX account number XXXX, XXXX XXXX balance {$1500.00} date opened XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA $ 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/year> received email about a debt Jefferson capital states they own i sent certified mail requesting purchase agreement/ forward flow agreement the chain of custody agreement and proof that I signed contract with Jefferson capital stating I agree to balance owed. Also request all notices be mailed to address they show and cease all phone and email notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX {$920.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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.
State: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont recognize the address please remove thank you. 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon checking my credit report I seen some inaccurate information which lead me to file an identity theft report with the ftc! The inaccurate information was XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for any of these products, my information was compromised, please remove these inquires from my credit file, thank you in advance, below is the new and old ftc report numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XXXX ) Hard Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The original account number associated with the debt.

3. The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4. Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5. Copies of any signed agreements or contracts establishing my liability for this debt.

6. Proof that the debt is within the applicable statute of limitations.

7. Copies of any judgments obtained against me ( if applicable ).

8. The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective Action to remove or amend be disputed accounts, as experienced in action violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX regarding a creditor National Credit Adjuster related to a debt that is outside of the statute of limitations that should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: CA

Complaint narrative:
Direct express and comerica caused me greater problems in my health by actually accusing myself of being in cahoots with a fraudulent person who with out my knowledge has been fraudulently stealing money from my account. I've gone through all of the proper channels and for nothing because they have shut my case down, closed my file and told me to get screwed by hanging up the phone on me and telling me they're closing because I'm in cahoots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
In Early XXXX, we were notified that our Mortgage loan was transferring from Amerihome Mortgage to XXXX XXXX XXXX XXXX 

We were notified that we are supposed to be receiving an escrow refund from Amerihome in the total of {$2800.00} We never received it, we contact our new Mortgage provider XXXX XXXX XXXX XXXX about it and they contacted us by mail dated on XX/XX/XXXX that they confirmed that check # XXXX was mailed on XX/XX/XXXX in the total of {$2800.00}. We never received it. 

We got in contact with Amerihome on XX/XX/XXXX in which they mentioned that we never gave them the authorization to release our escrow refund. We faxed them the release authorization and still never received it. 

We once again contacted them on XX/XX/XXXX in which they said they would reissue the check, and to this day we still have not received it. They also since then now got rid of our old loan # so now we can not even get in contact with a service representative anymore.

Company response to consumer: Closed with explanation