vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX, disputing your claim and requesting validation of the alleged debt. Be advised, this request is not simply for verification of the debt or for proof of my mailing address ; it is a demand for full validation of the debt, requiring complete and competent evidence of your authority to collect on it. This includes, but is not limited to, the following : XXXX. Copies of all contracts, agreements, or assignments bearing my signature and evidencing my obligation to pay this debt. XXXX. Documented evidence of your legal assignment to collect this debt and any proof of the chain of custody if the debt was sold, transferred, or otherwise assigned. XXXX. Proof that the debt remains within the statute of limitations, as I am requesting confirmation that any collection actions on this debt are legally permissible. XXXX. Complete account payment history, including any fees or interest, to justify the balance you claim is owed. The court case XXXX XXXX XXXX XXXX XXXX underscores that debt collection agencies must prove the legitimacy of the debt and their right to collect it. Please ensure you provide all necessary evidence substantiating your claim in line with this precedent. Please be aware : if your office has reported any unvalidated information about this alleged debt to the credit bureaus ( XXXX, XXXX, or XXXX ), such action XXXX be considered fraud under XXXX and XXXX law. Any negative mark associated with this debt, if found on my credit reports, XXXX result in legal action against you and your client for violations of the Fair Credit Reporting Act, the FDCPA, and defamation of character. If the requested documentation is provided, I will require a minimum of 30 days to review and investigate this information thoroughly. All collection activities must cease during this period, and I request that no actions detrimental to my credit be taken. Reporting any unverified debt to a credit repository XXXX lead me to pursue legal counsel for action against inaccurate or misleading information. Notice of Non-Response Requirement : If your office fails to provide the requested validation within XXXX  days of receipt of this letter, you are required to cease collection activities and remove all references to this account from my credit file. Please confirm the deletion of this account with documentation sent to my address above. Thank you for your prompt attention to this matter.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ Sunday, XX/XX/XXXX ] Credit Bureau TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX *Subject : Formal Dispute and Removal of Fraudulent Hard Inquiries ( FCRA 605B ) * To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report, which I believe resulted from fraud or identity theft under the Fair Credit Reporting Act ( FCRA 605B ). I did not authorize these inquiries, nor have I conducted business with these entities : 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 Background - I contacted each company directly, but they confirmed no record of my involvement. 
- I have not applied for credit, loans, or services with these entities in XXXX or any prior period. 
- These inquiries are harming my creditworthiness and may indicate criminal identity theft. 

**Request** : Pursuant to FCRA 605B, I demand the **permanent deletion** of these fraudulent inquiries. Enclosed are : 1. Social Security Number 2. My Phone Number 3. My Email Address **Certification** : I declare under penalty of perjury that the above information is accurate and these inquiries are fraudulent. 

Please investigate and remove these items within 30 days, as required by law. Additionally, place a **fraud alert** on my file and provide written confirmation of the resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] **Enclosures** : - [ XXXX XXXX XXXX XXXX XXXX, TX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ Sunday, XX/XX/XXXX ] Credit Bureau TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX *Subject : Formal Dispute and Removal of Fraudulent Hard Inquiries ( FCRA 605B ) * To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report, which I believe resulted from fraud or identity theft under the Fair Credit Reporting Act ( FCRA 605B ). I did not authorize these inquiries, nor have I conducted business with these entities : 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 Background - I contacted each company directly, but they confirmed no record of my involvement. 
- I have not applied for credit, loans, or services with these entities in XXXX or any prior period. 
- These inquiries are harming my creditworthiness and may indicate criminal identity theft. 

**Request** : Pursuant to FCRA 605B, I demand the **permanent deletion** of these fraudulent inquiries. Enclosed are : 1. Social Security Number 2. My Phone Number 3. My Email Address **Certification** : I declare under penalty of perjury that the above information is accurate and these inquiries are fraudulent. 

Please investigate and remove these items within 30 days, as required by law. Additionally, place a **fraud alert** on my file and provide written confirmation of the resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] **Enclosures** : - [ XXXX XXXX XXXX XXXX XXXX, TX XXXX ]

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: 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 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 non-monetary relief
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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXX *** Verify Account - XXXX XXXX Code XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was exposed to smoke while on vacation in California and was sick which required medical treatment when I returned home. My trauma was in XXXX and once I was feeling a little better I called XXXX with my concern due to lack of income for that month and the inability to pay my mortgage. I called XXXX on XX/XX/year> and explained the situation to the representative, she was very sincere and we both came up with a payment plan. The plan was to pay {$560.00} on that day which was XX/XX/year> and pay the balance as soon as possible. I agreed to pay the balance on XX/XX/year> with XXXX 's mortgage to be current and I did. I called the representative on XX/XX/year> to verify payments are current and was told I am current. The representative assured me it would not go on my credit report as late. A few weeks later I received an alert and my credit report shows XXXX days late. With that derogatory statement, my XXXX 's credit card was closed immediately by XXXX Bank. I have been with XXXX for five years and my payments were NEVER 30 days late because I am aware of the seriousness of such lateness. If I didn't get sick from the smoke while on vacation in California I wouldn't have lost income and wouldn't have been in that situation. I am just asking for the XXXX days late to be removed. A partial payment was made on XX/XX/year> which is still a payment so I don't understand.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
There has been a transaction placed on my account XX/XX/year> for {$200.00} by a vendor called XXXXXXXX XXXX XXXX that I did not recognize. This out of state company has no consistent business information online and shows up as a day care, a design studio, a tailor and a variety of other sham, XXXX businesses. This is further proof of this being a fradulent transaction. I called to dispute it with Discover less than XXXX hours later due to them sending me an alert saying it may be fraud ( how ironic ). I explained all the reasons and proof that I did not make the charge. They denied the dispute 4 days later. I reopened the dispute over the phone and was told I was supposed to file it as fraud, not as a dispute. I filed a fraud investigation via phone with Discover on XX/XX/year> and almost immediately they responded and said that the fraud investigation was complete and that it was not in my favor. First they gave me a heads up of an usual charge, then I get the run around when trying to dispute the transaction and freeze my card. They did not even provide me with any information regarding why they denied the fraud investigation submission. All they did was replace my card number. I have since moved forward to file a police report ( which is also quite tricky to produce proof when it comes to with fraudent online transactions and involves several jurisdictions ) and a Federal Trade Commission complaint report. I communicated with Discover multiple times since this debacle. It has been clear to me that they haven't actually investigated this fraudlent use of my card and do not have protections in place from this happening again. I did not make this purchase and I should not be responsible for it. It is unfair to be warned of unual activity then be told I'm responsible for it. This is actually quite unusual as I have not had issued with Discover 's customer service ever. Please let me know next steps.

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 — Account information incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
In or about XXXX I received the Military Star credit card from Army, Air Force Exchange service. In XXXX I got behind on payments and they put me on a payment plan of XXXX a month for XXXX owed. I paid XXXX never missing a payment. I now owed XXXX and Army, Air Force Exchange Service counsel the program and now say I owe the original amount of XXXX and they turned it over to a debt collector XXXX XXXX XXXX XXXX XXXX another XXXX to it for their fee. Although I sent Army, Air Force, Exchange proof from my bank statement showing i paid XXXX to them and XXXX, XXXX did an OFFSET from the federal government and took out XXXX from my check knowing i only owed XXXX. This is not fair and is asking that thy give my money back and take this off my credit. They both have my bank statements and clearly see what was paid. Please help, the LAST LETTER IGOT WAS DATED XX/XX/XXXX THANK

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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account has mass fraud on all accounts and on the Dark web.Under my name, address, social security and passwords. 

Their has been no flow agreeent between creditors and me and nothing has been proven by them. 
They refuse to cancel or XXXX  out my accounts due to fraud or make the accounts showing they have been paid as agreed helping my score get higher. 

I want all accounts removed at once or an constitutional lawyer will be hearing from us soon about what has transpired. 
All creditors will liable for fees associated with frauded accounts as well as penalties and interests and The CFPB will name in these lawsuits very soon if nothing is accomplished soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
my information has been compromised i am now XXXX XXXX XXXX and have been suffering from this since i was XXXX at the age of XXXX XXXX XXXX i already had credit debt in my name that i found out through a job program. I haven't changed my name social or any information and im still undergoing this issue because someone in this world has my personal information. XX/XX/XXXX i was born. 
and alot of the credit that is owed shouldve been deleted after all these years thats passed. i can provide birth certificate proving my age .Ive have snap benefits and welfare and some how my information was compromised and benefits were being stolen. Their now trying to say i owe them money because i have benefits in another state which is completely false i live in XXXX new york. even though i am working now and they ended my benefits i believe that XXXX be affecting my credit also. I just recently was taken off my mothers health insurance XX/XX/XXXX i went to the dentist and got serviced on XX/XX/XXXX, XXXX i paid a co pay and fee and XXXX XXXX is trying to charge me for something that shouldve been covered by her insurance dated XXXX 4 days after it was already ended.

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: 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:
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 removeddisputed 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 non-monetary relief
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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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:
I am writing to dispute several fraudulent accounts and inquiries that have been reported on my credit report. These accounts and inquiries are not mine, and I request that they be investigated and removed from my credit file. Below is a detailed list of the fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX, XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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