vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
I noticed a collections account on my credit report from Harris & Harris Ltd. I looked online and found their phone number and called to inquire about the debt on XX/XX/XXXX and was told that the collections account on my credit report was from XXXX XXXX XXXX in the amount of {$620.00} for a cable services dating back to XXXX that I have no knowledge of and did not benefit or authorized anyone to use my identifying information to use for anything at anytime. And of during such period my personal information was involved in several data breaches which I was a victim.The agent at Harris & Harris Ltd. named XXXX transferred my over to a XXXX XXXX rep for XXXX  cable named XXXX. That agent had me to file a FTC Fraud report which I did and was given a Case # XXXX and told me I should hear something back in 10 days. Which I did not. So I called back on XXXX/XXXX/XXXX and spoke with XXXX at Harris & Harris Ltd. Which she said she hadn't heard anything back about the fraudulent account that was appearing on my credit report at which time she gave me a File # XXXX and told me she would check into and seen me an email when the investigation was completed. Which she never did. So she transferred me over to XXXX XXXX XXXX Fraud Dept . where I spoke to XXXX but no update was given and at this time I submitted another FTC Complaint and have not had this fraudulent account removed from my credit file. So on XX/XX/XXXX I submitted a formal dispute to the 3 major credit bureaus and am waiting on their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid and being assured by the collection agency that it was in fact paid. It was my understanding that upon payment, XXXX XXXX XXXX Bank XXXX original creditor, would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XX/XX/XXXXXXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XX/XX/XXXXXXXX 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.

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 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
XXXX set up a fraudulent account in my name at an address of my former ( XXXX  years ago ) residence and is harassing me for payment. I suspect XXXX negligently mailed a promotion to my former address with my personal information so a criminal merely had to fraudulently return the promotion to receive a phone and fraudulent account. I filed a fraudulent claim with XXXX and included the XXXX number provided by the sheriff 's office immediately upon learning of the account on XXXX XX/XX/year>. XXXX did not respond to my fraud claim. I called XXXX on XXXX XX/XX/year> and XXXX XX/XX/year> but did not know the fraudulent phone number or know the account number so was unable to get through XXXX 's automated screening. I received a collection notice on XXXX XX/XX/year>. On XXXX XX/XX/year> I called XXXX to clarify the account number associated with my fraud claim number ( despite them already having name, address, and XXXX XXXX number in the XXXX XXXX XXXX Fraud Claim ) but XXXX insisted that I need to file more documentation of the fraudulent account. I neither created the account nor ordered the phone for which they are attempting to have me pay. I provided the police report and XXXX number so they can look it up with local law enforcement. 
On XXXX XX/XX/year> I received a text message from Transworld Systems Inc linking a threatening letter suggesting that I owe XXXX XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account #. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX Accounts 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 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account #. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon checking my credit report I have noticed unauthorized inquires and addresses on my report. Please remove inquiries and addresses that are stated below. Transunion- XXXX ( Bank ) XX/XX/XXXX Equifax/Transunion addresses- XXXX XXXX XXXX XXXX XXXX NJ XXXX , XXXX XXXX XXXX XXXX Nj XXXX, XXXX XXXX XXXX XXXX NJ XXXX Experian- XXXX XXXX/ XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove all accounts listed above they are fruadulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
Upon checking my credit report I have noticed unauthorized inquires and addresses on my report. Please remove inquiries and addresses that are stated below. Transunion- XXXX ( Bank ) XX/XX/XXXX Equifax/Transunion addresses- XXXX XXXX XXXX XXXX XXXX NJ XXXX , XXXX XXXX XXXX XXXX Nj XXXX, XXXX XXXX XXXX XXXX NJ XXXX Experian- XXXX XXXX/ XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove all accounts listed above they are fruadulent.

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 2025-04-18 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/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactio

n ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from
the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I am writing to report a fraudulent transaction on a Vanilla Gift Card that resulted in a loss of {$260.00}, a significant amount for me, and to request your urgent assistance in recovering my funds and addressing the unfair practices of the card issuer. As a resident of XXXX XXXX, Missouri, I have been trying to resolve this issue since XX/XX/XXXX, but the issuers refusal to explain or assist is unjust and unacceptable. 
Details of the Incident : On XX/XX/XXXX, I activated a Vanilla Gift Card with a balance of {$500.00}. 
I intended to use the card to buy XXXX gifts for my child. I made two authorized purchases on XXXX : XX/XX/XXXX : A baby chair for {$190.00}. 
XX/XX/XXXX : A part for the chair {$31.00} On XX/XX/XXXX, at XXXX XXXX  an unauthorized transaction of {$260.00} was made on a website called hatchetsupply.com. I did not make this purchase, had never heard of this website, and did not share my card details with anyone. This fraudulent transaction drained the remaining balance, ruining my holiday plans and causing significant financial hardship. 
Attempts to Resolve : Since XX/XX/XXXX, I have repeatedly contacted Vanilla Gift Card customer service at XXXX to report the fraud and request a refund. I provided all available details, including the card number and transaction information, and sent multiple emails but received no responses. On XX/XX/XXXX, I checked the status of my case using an XXXX link previously provided by Vanilla and discovered that my case was closed without any prior notification or explanation. During a call to customer service at approximately XXXXXXXX XXXX  on XX/XX/XXXX, I was told the case is closed with no further details. This lack of transparency is deeply unfair, especially given the significant loss of {$260.00}, which is not a small amount for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
received multiple collection emails from SIMM Associates attempting to collect on a debt allegedly owed to XXXX. I have no knowledge of this debt, was never a XXXX customer, and have never signed any agreement or service contract with XXXX. 

Despite my request for validation, XXXX has continued to contact me via email without providing proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I believe this may be a case of mistaken identity, fraud, or an error in their records. 

Under federal law, debt collectors must provide proper documentation proving that I am legally obligated to pay this debt. To date, they have failed to do so.

Company response to consumer: Closed with explanation