vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was served a summons on XX/XX/year> without previous contact with the company. On XX/XX/year> This was sent as an answer to the case the collection company filed. I was never contacted before they filed a case against me, and I do not have any dealings with this company either. I have never worked with them. 

I, XXXX XXXX, hereby respond to the XXXX 's XXXX XXXX regarding the above-referenced matter and agree to paragraphs # XXXX and # XXXX that is listed in the original petition. I deny paragraphs # XXXX, # XXXX and the validity of the alleged debt that is listed in the original petition for the following reasons : Denial of Debt I deny owing the debt to and claimed by XXXX Portfolio Recovery Associates , LLC. The XXXX has failed to provide adequate evidence supporting their claims. 

Request for Validation of Debt I can not agree or disagree with paragraphs # XXXX and # XXXX because there is not enough information. In accordance with the Fair Debt Collection Practices Act, I request verification of the debt with Portfolio Recovery Associates, including the following documentation : XXXX. A complete statement of account reflecting all transactions, payments, and charges leading to the claimed balance. 
XXXX. Proof of the original debt, including the purchase agreement or contract associated with the account. 

Contract of Sale I did not agree to a contract of sale. Please provide my signature on a copy of a contract of sale or any agreement that indicates my legal obligation to pay the claimed debt to Portfolio Recovery Associates , LLC. 

Chain of Assignment XXXX further request documentation showing the chain of assignments for this debt, including : XXXX. Evidence of the transfer of ownership from the original creditor to the Plaintiff, including all relevant assignment agreements. 

Prayer for Relief Until the Plaintiff provides the requested documentation and validation of the alleged debt, I respectfully request that the Court dismiss the claims against me, remove the debt from my credit report and provide any further relief deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-31 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 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:
Not sure why my information was used without my consent. I have disputed it and yet it still showed up. Why did my information got hacked during the data breach??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I was supposed to get paid XX/XX/XXXX, someone from this company went into my payroll and changed my account information and changed my direct deposit information and made it into theirs. I contacted my work and payroll and they gave me information that Money Lion company has done that to my payroll and has access to that information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: TX

Complaint narrative:
I received a letter in the mail from Capital Asset XXXX telling me that I owe {$990.00} for a XXXX debt from XXXX. They provided no validation of this debt nor did they provide the information that gives me the right to dispute this debt. 
Section 16.004 of the Texas Civil Practice and Remedies Code state that the statute of limitations on debt in the state of Texas is four years making this supposed debt past the statute of limitations and a time barred debt. Since this is a time barred debt they are also violating the Fair Credit Reporting Act by continuing to report this debt to the credit bureau. I am filling this complaint to report violations of consumer protection laws, violation of the Fair Credit Reporting Act and for violating the Fair Debt Collection Rules. A debt collection agency is required to validate a debt, which they did not do, required to give me the right to dispute a debt, which they did not do, and can not contact a consumer about a time barred debt. I will also be notifying the Texas Attorney General of this company 's consumer protection law violations. This company is to immediately cease and desist contacting me about an unvalidated debt and a debt which is time barred under law. They also did not give me the option of asking to not be contacted. Since I am a XXXX XXXX XXXX XXXXXXXX military veteran and exempt from the claims of creditors I will be notifying the appropriate federal government agencies who take action against debt collectors who harass military veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-31 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: NJ

Complaint narrative:
Please check the information concerning the experian data breach in attachments

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 2025-03-31 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
XXXX XXXX is showing a 30 day late payment for the month of XXXX. This information is inaccurate. I pay bi-weekly. XXXX payment was made on XX/XX/year> and a payment was made on XX/XX/year>. I spoke with the company and they refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
A credit card from Avant arrived in the mail. I called the customer service number to report the fraud card. They insisted on me providing them with personal information over the phone. I asked for a supervisor and was not connected. I do not know this company, and I tried to report fraud to them. 
I believe someone else applied for the card, but they were not able to steal it from the mail, so I called. I have XXXX other complaints submitted to the CFPB and I think they are all connected to this fraud/scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-03-31 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-03-31 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
XXXX XXXX serviced my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repaid in XX/XX/XXXX, before realizing I had been scammed by the XXXX who arranged the loan and XXXX down its funds while never delivering any of the goods or services listed in the loan document for which the funds were designated. 

Here is a summary of the fraud that was committed against me : In XX/XX/XXXX I entered into a $ XXXX construction contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX secured funding of the project/contract through loans they arranged directly with various lenders. XXXX of these loans was a Retail Installment Contract ( XXXX ) for {$50000.00} with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

To date, XXXX has not delivered any goods or services for which they took payment from XXXX. 

In XX/XX/XXXX, I repaid the XXXX loan ( via XXXX XXXX XXXX to avoid excessively high financing costs and accrued interest that would begin once the promotional period of the loan expired. Unfortunately, it was only after I repaid my loan that I realized I was scammed by XXXX. 

My FOA XXXX contains the Holder Rule notice ; The Holder Rule ( 16 C.F.R. Part 433 ) provides that a consumer lender is subject to all claims and defenses the consumer could assert against the seller or originator, of the loan. 

My legal counsel has advised me that this means that XXXX is liable for the full amount of the {$50000.00} loan, and I have asked that FOA refunds me this amount. 

Through multiple attempts to contact XXXX, I have provided them with irrefutable evidence that XXXX : a ) received 100 % of the XXXX loan proceeds more than two-years ago ; and b ) has failed and refused to perform any of the work set forth in the loan agreement. 

To date, XXXX has completely ignored my complaint/attempts to resolve the issue and I have filed a complaint against them with the CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year> which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year> which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation