vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & DEPT OF ED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CO

Complaint narrative:
I have XXXX accounts that the open dates are wrong XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The acounts are over XXXX XXXX XXXX. I ask for all information from. The credit reporting agencies. And both banks. I received nothing.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XX/XX/year> Dear Sir/ Madam I have discovered the following information recorded against my name in my credit reports the amount of $ {$23000.00} owed to XXXX XXXX XXXX  The following information must be provided to me in writing within 30 days from the date of this letter at the address listed above accordance with XXXX XXXX Civil Code 15 U.S. 1692g ; 1- Detailed list of History of all payment made by me on the account listed.

Provide all of the statements if any showing the owed balance.

2- Signature that I put on a contract to guaranty that I will pay this creditor.

Provide hardcopy of the contract.

3- Has it been any insurance claim filed on this debt?

provide the Creditor insurance Information, Insurer name and policy number.

4- Provide proof of Chain of Title to allow you collect on this debt.

Provide any legal contract between you and the creditor.

If you failed to provide any of the requested information, and you continued to record or claim this debt as valid debt, it will leave me without any option but to demand the removal of such information and file a lawsuit in the XXXX XXXX Federal Court, Southern District of California, against you to claim damages and cost. Thank you. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$210.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$860.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NE

Complaint narrative:
TransUnion Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Account Reporting Discover Account TransUnion Report Number : XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX account on my TransUnion credit report, referenced by report number XXXX. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information. I request that you promptly investigate and correct the following errors regarding this account.

Disputed Information : High Balance Discrepancy The high balance is reported as {$1100.00}, but previous records indicate a high balance of {$1300.00} from XX/XX/XXXX to XX/XX/XXXX. 

Incorrect Dates The date updated is listed as XX/XX/XXXX, which is a future date and should be corrected. 

The date closed is reported as XX/XX/XXXX, yet delinquencies are recorded beyond this date, which is inconsistent and inaccurate. 

Erroneous Payment History 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : 120 days late Since the account was reportedly closed in XX/XX/XXXX, delinquencies beyond this date are invalid and should be removed. 

Credit Limit Inaccuracy The credit limit is reported as {$2000.00} from XX/XX/XXXX to XX/XX/XXXX, which is factually impossible.

Request for Correction : Pursuant to 15 U.S.C. 1681i ( a ), I request that TransUnion : Conduct a reasonable reinvestigation of the disputed items.

Delete or correct the inaccurate information.

Provide written confirmation of the resolution.

Send me an updated copy of my credit report once the changes have been made.

I have enclosed copies of supporting documentation to assist with your investigation. Please update my credit report promptly and provide written confirmation of your findings within the required timeframe. 

If further information is required, please contact me at the information listed above. Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]

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 2025-03-24 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: UT

Complaint narrative:
I am a victim of identity theft. Experian is reporting multiple accounts, addresses, and a XXXX  XXXX bankruptcy that are inaccurate, unauthorized, and directly tied to fraudulent activity. I submitted a written dispute with full identity theft documentation, including FTC reports and a police report, on XX/XX/year> via XXXX XXXX Mail ( Tracking # : XXXX ) to Experians dispute department. 

Despite this, Experian failed to investigate, failed to block fraudulent data as required by 15 U.S.C. 1681c-2, and continues to report false information in violation of the Fair Credit Reporting Act ( FCRA ). These include : Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX False Public Record : XXXX  XXXX Bankruptcy Reference # : XXXX Inaccurate Name and Phone Number : XXXX XXXX, ( XXXX ) XXXX XXXX Addresses Ive never lived at Experian Report # : XXXX ( Dated XX/XX/year> ) Experian is in violation of FCRA 1681e ( b ), 1681i, and 1681c-2, and their continued noncompliance has caused ongoing harm to my credit profile.

I am requesting the CFPB require Experian to : Permanently delete the fraudulent accounts and public record ; Correct all inaccurate personal data ; Provide a full reinvestigation summary and corrected report by mail.

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 2025-03-24 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: MN

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I am disputing a debt that XXXX XXXX claims I owe under a solar equipment lease. ( Contract # XXXX ) The company has breached its contractual obligations ( Section 16 [ b ] of the lease ), rendering the contract invalid. Despite notifying them in writing on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) of the incomplete solar installation and the invalidity of the lease, they continued collection attempts and have now negatively impacted my credit report. 

XXXX filed for Chapter XXXX bankruptcy in XX/XX/XXXX. At that time, they had not completed the solar installation on my property. My lease was inherited by a new company, which goes by " Launch Servicing , LLC '', " XXXX XXXX XXXX, XXXX '' or in some cases still " XXXX XXXX, XXXX ''. However, the new company is treating the lease as active and attempting to collect on it, despite the installation never being completed. 

I sent letters and emails detailing the dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They acknowledged receipt but never addressed the breach or validated the debt as required by FDCPA Section 809 ( b ). 

Despite the dispute, XXXX XXXX reported a negative entry on my credit report. This is in direct conflict with the FDCPA, as they must cease collection activities until the debt is validated.

Legal/Regulatory Violations : FDCPA Section 809 ( b ) : They have not verified the debt but continue collections and negative reporting.

Breach of Contract : Incomplete installation means the contract is void and no payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX, {$69000.00} was withdrawn from XXXX XXXX in XXXX different transactions. No $ was ever sent to XXXX for the cruise resulting in the credit of {$69000.00}. I have spent many hours on the phone trying to get this resolved with Bank of America to no avail. Below is the XXXX XXXX XXXXXXXX recommendation. 

It was a pleasure speaking with you today. As mentioned, here is the referrer for the Consumer Financial Protection Bureau ( CFPB ). The case number is XXXX. If you have any questions or need any further clarification, please do not hesitate to contact us via email or phone. 



Regards, 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 monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against First Advantage for Improper Background Check Reporting To Whom It May Concern, I am filing a formal complaint against First Advantage Background Services Corp. for violating the Fair Credit Reporting Act ( FCRA ) by improperly including outdated and irrelevant information in my background check report, which has resulted in my disqualification from employment. 

Details of the Complaint : I applied for a position with XXXX XXXX XXXX XXXX XXXX XXXX, which required a XXXX background check. 

First Advantage included a federal conviction from XXXX ( XXXX XXXX. XXXX ) in their report, despite it being outside the XXXX reporting scope. 

As a result of this improper reporting, I was marked ineligible for hire. 

First Advantages decision to include this XXXX conviction directly contradicts the employers requested timeframe, causing unfair harm to my employment opportunities. 


Violations of the FCRA : 1. Including information outside the employer 's requested timeframe : The background check was supposed to cover only the past 10 years, but First Advantage reported a 14-year-old federal conviction.


2. Failure to ensure accuracy and relevance : First Advantage is obligated under the FCRA to provide accurate and relevant consumer information, yet they included a conviction that should not have been part of the report.

3. Unfair denial of employment based on outdated information : The inclusion of this outdated record directly caused an adverse action against me, violating my rights under the FCRA. 




Requested Resolution : An immediate investigation into First Advantages reporting practices to determine why outdated information was included.

A correction of my background check report to reflect only the employers requested 10-year timeframe.

Assurances that First Advantage will comply with FCRA regulations and not improperly report outdated convictions in the future. 


Please confirm receipt of this complaint and inform me of the next steps. I can be reached at ( XXXX ) XXXX or XXXX for further discussion. 

Thank you for your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report, these accounts are hurting my ability to obtain credit.

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 2025-03-24 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report, these accounts are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

Green v. XXXX XXXX XXXX. LLC ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized. 

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my credit file to reflect the correct information and delete all incorrect information : Correct Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts to Be Validated and Addressed : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-03-24 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: IL

Complaint narrative:
Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

Green v. XXXX XXXX XXXX. LLC ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized. 

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my credit file to reflect the correct information and delete all incorrect information : Correct Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts to Be Validated and Addressed : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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